23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My identity was stolen while I was stationed at XXXX XXXX, XXXX, in the United States XXXX. 
An individual residing at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX opened an account with XXXX using my SSN. I contacted XXXX and informed them that I did not live at this address and that I currently resided in XXXX not XXXX. They told me they would remove the credit inquiry from my credit report after I submitted the police report to them. 

I faxed them the police report and also submitted a dispute with Equifax about this inquiry, but about 6 months later the inquiry is still on my credit report. Equifax is also reporting this incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX which puts me at further at risk for identity theft. 

I would like Equifax to remove this incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and remove the credit inquiry from XXXX dated XXXX/XXXX/2014 from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The American Express account that shows on my credit report is my mothers account and she has removed me as a user several times. I uploaded a chat session that shows there are no cards in my name and verified that I am not a user but they refuse to remove the account from my report. I have tried 4 separate times and they just keep updating to the current date and not removing it. My mother XXXX XXXX has asked for documentation that I am not on the account or a user of the account and they stated they can not provide documentation other than the chat attached as he is not a user or on the account to remove so there is nothing to provide.
Product: Checking or savings account

NAVY FEDERAL LOCKED MY ACCOUNT AND WILL NOT UNLOCK IT UNLESS I STEP INTO A BRANCH. I WORK VERY LONG HOURS AND MY ONLY DAY OFF IS SUNDAY. 

THEY LOCKED ME OUT OF MY ONLINE ACCOUNT AND BLOCKED ALL MY DEBIT CARDS, SO I HAVE NO ACCESS TO MY MONEY! 

THEY SAID THEY WILL UNLOCK MY ACCOUNT IF I FAX IN MY DRIVERS LISCENCE AND SIGN MY SIGNATURE 5 TIMES. ( I HAVE HAD A XXXX SINCE OPENING THIS ACCOUNT AND MY FUNCTIONS ARE WORKING A BIT DIFFERENTLY )
Product: Credit reporting or other personal consumer reports

I have submitted over XXXX different letters to Transunion, XXXX, and XXXX to correct the information on my credit report. I have also included my ID, Social Security card and also Proof of Address. They have responded by saying they wanted to make sure it's me. I have verified multiple times and my credit report is still not fixed with accurate information. Please DELETE the inaccurate information from my credit report.
Product: Debt collection

I formally requested that BRCLYSBANKDE provide accurate information regarding the account associated with my credit report. Additionally, I demanded a 1099-C form to report the alleged debt forgiveness to the IRS. Despite my efforts, BRCLYSBANKDE failed to provide the requested information and instead continued to report inaccurate information on my credit report, further damaging my credit reputation. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., and Florida State Statutes, including but not limited to : - Florida Statute 501.006 : Credit reporting agencies ; reasonable procedures to assure accuracy - Florida Statute 501.007 : Credit reporting agencies ; disclosure of credit reports- Florida Statute 559.72 : Civil liability for false or inaccurate information I demand that you take immediate action to correct my credit report and remove the disputed information. within the statutory timeframe 15 days for initial disputes.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - CAP ONE AUTO XXXX To Whom it may concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the reporting concerning the account CAP ONE AUTO XXXX on my credit report. Upon careful examination, it has come to my attention that there are egregious violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. Consequently, I am demanding immediate action to address and rectify these issues. 

Specifically, I hereby formally request a thorough debt validation, encompassing the following details : Original Contract : Furnish a comprehensive copy of the original contract between the purported creditor and myself pertaining to the account CAP ONE AUTO XXXX. 

Original Creditor : Clearly disclose the name and contact details of the original creditor linked to this account. 

Original Open Date : Provide the precise date on which the account CAP ONE AUTO XXXX was initially established. 

Date of Last Payment : Specify the exact date of the most recent payment made in connection to this account. 

Date Account Was Closed : Indicate the date on which the account CAP ONE AUTO XXXX was officially closed. 

I am fully cognizant of my rights under the FCRA, and it is evident that XXXX has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to uphold my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, please ensure that any amendments made to my credit report are promptly reflected.
Product: Credit reporting or other personal consumer reports

15 of the United States Code, Section 1681b, specifically addresses permissible purposes for obtaining consumer reports under the Fair Credit Reporting Act ( FCRA ). Subsections ( a ) and ( c ) outline important provisions related to accessing and using consumer credit information. Here 's a breakdown of each subsection : Subsection ( a ) of 15 USC 1681b : This subsection delineates the permissible purposes for which a consumer report may be obtained by a third party. Permissible purposes include : For use in connection with a credit transaction initiated by the consumer. 
Review or collection of an account of the consumer. 
Employment purposes, including evaluation for employment, promotion, reassignment, or retention. 
Underwriting insurance. 
Government license or benefit determination. 
Legitimate business needs in connection with a business transaction initiated by the consumer. 
Subsection ( a ) serves to establish guidelines for the lawful acquisition and utilization of consumer reports, emphasizing the importance of appropriate and authorized access to such sensitive information.

Subsection ( c ) of 15 USC 1681b : This subsection imposes restrictions on the use of consumer reports obtained for employment purposes, specifically regarding adverse actions based on information contained within such reports.

Before taking adverse action based on information from a consumer report obtained for employment purposes, the user must provide the consumer with : A copy of the consumer report.

A summary of consumer rights under the FCRA.

Notification of the adverse action to be taken.

Subsection ( c ) aims to safeguard the rights of consumers by ensuring transparency and accountability in the employment screening process, enabling individuals to address inaccuracies or discrepancies in their consumer reports.

In summary, Sections 1681b ( a ) and ( c ) of Title 15 delineate the permissible purposes for accessing consumer reports and impose requirements on users to adhere to legal guidelines and provide necessary disclosures to consumers, respectively. These provisions are integral to promoting fair and responsible practices in consumer credit reporting and employment screening. 


XXXX / XXXX
Product: Credit card

On XX/XX/XXXX, my accounts payable department notified me that a canceled company credit card in my name was accruing finance charges and late fees. They said that Compass would deal only with the account holder and that I had to call personally. I called and spoke to a CSR who verified that the charges were resulting from a {$2.00} charge that had grown to {$65.00} by the time of the statement date ( XX/XX/XXXX ). It appears that it 's been growing at the rate of about {$20.00} per month. 
Apparently, the {$2.00} began as a " rewards '' check sent to our company for using the credit card. Naturally, accounts receivable cashed the check along with all the other checks we receive from customers each month. Subsequently, Compass rescinded the check ( we 're not really sure why and do n't understand their reason ), which then generated a charge of {$2.00} on a credit card that was verified to have been closed and inactive. Because of this, we were n't monitoring the account closely. When the amount rose to {$65.00} on a closed account, it caught our attention and this was how we learned about the reversal of the rewards check. 
I asked the CSR for a supervisor who verified the narrative, but said she was unable to reverse the charges. I told her that this business practice ( sending a minuscule Rewards Check, rescinding the check, converting to a liability, and then accruing disproportionately large penalties ) was liable to entrap most businesses and their consumer employees. She decided to conduct some research and get back to me several days later. When she said that there was nothing she could do other than sympathize, I told her that I was going to file a complaint with the state regulator. Amazingly, she suddenly found the ability to reverse the bogus charges and close the account. I 'm filing this complaint today because I believe that they are using a predatory business practice that intentionally defrauds customers, deflects them when they complain, and only relents when threatened with a complaint to the regulator. Since most business customers will never catch such tiny amounts and most consumer employees do not have the time or wherewithal to pursue this discrepancy, the likely result is that they will generate a windfall of revenue with relatively low risk of apprehension.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit agencies XXXX XXXX Credco a.k.a. CREDCO, XXXX XXXX, XXXX XXXX, XXXX   obtained my credit report on ten different occasions without my verbal or written consent and claimed they had " permissible purpose '' and that it outweighed my verbal or written consent. I never received a written request from anyone asking to pull my credit nor did I receive a letter or phone call informing me that they had pulled my credit and for what reason ( s ). To date I have no received any info or updates about my disputes/requests for info. My Credit was pulled on : CREDCO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX *All ten of these credit pulls were HARD INQUIRIES and have cost me several points on my overall XXXX and XXXX credit scores. These 3 companies violated all types of FCRA laws, rules and regulations as my credit files were frozen during the times these credit inquiries were made and acted on by the 2 bureaus and credit companies. My credit reports were frozen during the following dates for all 3 bureaus : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX - XXXX SERVICE ACCOUNT # XXXX ACCOUNT NAME : XXXX - XXXX SERVICE ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Greetings, it has came to my attention that some inquiries were placed on my credit report without my consent and this violated my consumer rights according to the fair credit reporting.The following inquiries are not authorized by me nor do I have anything to do with them.please kindly remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance Owed : {$430.00}
Product: Vehicle loan or lease

Credit acceptance is the company They are willingly knowingly violating my consumer credit transaction rights all charges are not included and they never disclose this with me at agreement remaining balance {$15000.00} agreement was established in XX/XX/2019 total of XXXX roughly.. Try calling them several times keep getting hung up on talk to a lady wants and she said she didnt know anything about my contract because she wasnt there.. They except truth in lending so I shouldnt have to pay a down payment and I paid a {$1500.00} down payment on XX/XX/2019 I was never told our disclose any of that information about the down payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I mailed in a certified letter through the US Postal service challenging a collection that was placed on my credit file XX/XX/XXXX by XXXX collection in the amount of {$17000.00} due to an auto repo which occurred around XXXX of XXXX. Upon further investigation and research through XXXX in which I entered the vehicle ID number, I found that the XXXX XXXX XXXX  which was already in a great running condition at the time held the retail value of {$14.00}, XXXX was resold by the original lender at an auction in the XXXX XXXX area. and they failed to send me a notice of deficiency. According to the law, misrepresenting the amount of the debt or its judicial status are violations of the FCRA. The sale price must be applied to the balance of the loan. 
In my dispute letter, I clearly expressed how important a reasonable human investigation was in this matter and requested a full disclosure and every piece of information gathered during their previous investigation. The FCRA rule 611 ( a ) ( 6 ) ( B ( iii ) which states, a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shell be provided to the consumer by the reporting agency. My rights were blatantly violated by this credit reporting agency in this process, Their incompetence destroy lives and they should not be in the people business. I have received nothing but a generic computerized response letter from them stating that the account had been verified with no further proof of reasonable human investigation. completely violating my right to receive proper information on my credit file.
Product: Credit reporting or other personal consumer reports

I have been working to clean up my credit with the help of XXXX XXXX and XXXX XXXX on multiple collection companies that have reported on my credit report. None of these are mine to my knowledge and it seems may have been multiple reported from the same debt. There is a credit collection company named XXXX XXXX XXXX that is on my credit report in the amoun of {$5300.00}, XXXX Funding {$3900.00}, Midland Credit Management {$3100.00} and {$1600.00}. As to my knowledge these are not my debts and I have repeatedly requested through those services listed above and directly with XXXX and XXXX to send me proof of this debt. XXXX XXXX submitted in XX/XX/year> and XX/XX/year>, and I have continued through XXXX XXXX and the credit bureaus as well. No response from any of the collection companies listed. I do not want to contact these company directly and give any personal information to them without any knowledge of what this is in fear of more fraudulent activities. I do not want to give any social security info or personal info to them because I do not know who they are. Everytime I have disputed online the only thing that changes on my credit report says " customer disputed, account verified '' but never any correspondence showing the proof of debt belonging to me. I am requesting these all to be removed as soon as possible, due to the fact they have not responded in the 30 days required by law with proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this letter reaches, In XXXX of XXXX I purchased a car from XXXX XXXX and financed through XXXX. On XX/XX/XXXX a 11:30XXXX myself and a friend were in a hit and run accident in XXXX XXXX PA XXXX The car was deemed a total lost, XXXX was notified and XXXX insurance sent a check to XXXX for {$17000.00}. On XX/XX/XXXX I went to apply for a car loan and was told that XXXX put {$23000.00}. I called XXXX and spoke with XXXX ID XXXX, who was very rude. She cut me off mid story and talked over me stating that the account was 120 days past due and is a charge off that will stay on my credit for 7-10 years. I asked why and how I had such a large charge off on my account and that it was preventing from getting a new vehicle. I asked her if they could fix the mistake and she stated that there is nothing they can do since the car is charge off. When I asked her why the account was listed incorrectly if they received a check, she did not have an answer. I also asked why my gap insurance was not applied to the balance as I was advised by farmers that it would be. I did not have any information for the gap insurance since it was in the car. I asked XXXX for the gap insurance phone number she states that she did not have it but eventually gave me the name. I dont think its fair that a charge off for such a high amount was put onto my credit report incorrectly. This mistake has prevented me from getting a new car and resulted in me spending thousands for a rental car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- XX/XX/XXXX I have notified original creditors and collection agencies regarding my Identity Theft and have not been able to get items blocked or requested validation of debt from original creditors as something with my signature ; all companies involved was provided with my Driver 's license and Social Security Card which they updated the information to my current address and said the account was valid even though I supplied a police report and Identity Theft report. 

XX/XX/XXXX -Experian refused to block the Identified accounts on several request and in stead placed a statement ( Account Information disputed by consumer ( Meets requirement of Fair Credit Reporting ACT ) with no deletion or verification from the company as requested even though the accounts are from the Identity Theft ; Experian did not investigate nor request documents from the creditor only says its valid.
Product: Checking or savings account

i opened a account around a month ago and they froze my account and told me i need to come down to the bank with 2 forms of ID i don't live near the bank and they won't let me verify it any other way so i want to close the account as i have money in it. they won't let me close it or do anything until i come down
Product: Mortgage

I have been trying to work with Nations Direct to resolve my foreclosure issue but they refuse to cooperate and provide me the documents I need to apply for mortgage relief. I recieved a loan mod and they refused to take my payments, now I'm trying to apply for mortgage relief and they won't provide me with a mortgage statement and escrow payoff to apply even though I requested it in writing over 2 weeks ago. Now they scheduled a sale date even though I have a loan modification packet pending and mortgage relief pending. My counselor said this is dual tracking and illegal. I want them to send my counselor the documents requested and stop the sale so I can apply for mortgage relief and/or loan modification. they are so difficult to work with and I have been in and out of the hospital with medical issues. They refuse to work with my HUD counselor to save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to access an y credit score information regarding my credit account with Experian I get an error message after answerin g the verification questions repeatedly I even tried to access my annual credit report online and on experians website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   a ccounts are positively reporting with them so I know I have a file but every time I try to access my experian score on  freecreditscore o r on experian or   XXXX   scorecard I get locked out I need to be able to access my free experia n fico score I have similar problems with   XXXX    however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my   XXXX   XXXX   since we have reported that with the credit companies and an official change of address so I do  n't understand what is locking me out