23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting correctly. Theres a late payment shows on this account name XXXX. Account number : XXXX that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments I am requesting you to investigate this account and delete the late payment immediately
Product: Credit card or prepaid card

I got a Vanilla Gift card Visa with {$200.00} on it, took it out of the packaging to use it at a store and they said it only had {$1.00} on it. The balance had already been used before i took it out of the packaging. I contacted Vanilla immediately they say it was used in California and I live in Massachusetts. I dont understand how this can happen when the card never left my presence and had not even been open yet. I started doing some research online and it appears this has been an ongoing problem with Vanilla. Lots of people had the exact same issue. Seems like a someone is getting the information on the cards before people can use them.
Product: Credit reporting or other personal consumer reports

XXXX has refused to correct data on my credit report after selling my account and being paid in full. They have refused to remove the incorrect data showing that my account was never paid in full. The XXXX account was paid in full through the company they sold the account. After over 13 disputes, XXXX has refused to remove the incorrect data. They also said they would delete the account and never did it.
Product: Student loan

Company is still charging interest on a SAVE loan and requiring monthly payments when it is supposed to be on forbearance due to legal battle Nelnet is my servicer
Product: Debt collection

I noticed that I have an active account on my credit report and I was not made aware of any outstanding balance from creditor or collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has reported false and inaccurate information on my credit report. They have reported this information to  XXXX  and Transunion using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.
Product: Credit reporting

I have om going disputed with Experian cresdit monitoring since XX/XX/XXXX, about company call XXXX XXXX XXXX this is Number XXXX. This finance services work with XXXX ; this company do not have license to operate since XX/XX/XXXX. I got proof letter from XXXX XXXX XXXX XXXX CA department of consumer affair. My case number XXXX and this there phone number XXXX have got a lot of denied credit because of this. The credit bureau taking side XXXX. 
Sent from my iPhone
Product: Credit reporting, credit repair services, or other personal consumer reports

My Social Security number has been used to get credit cards and they do not belong to me. my idenity was stolen and I can't seem to get anyone at XXXX or XXXX to remove the accounts. XXXX has removed the accounts, however the other 2 have not. They keep relling me that they are mine inwhich they are not. Plus I have an FTC report attached to my account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX XXXX I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices, are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX Account has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXXXXXX XXXX is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to CAPITAL ONE BANK USA XXXX for the account number XXXX and notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first hand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Credit reporting or other personal consumer reports

There is a inquiry on my report I didnt do Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41 Date : XXXX XXXX XXXX
Product: Debt collection

XXXX American Express served my old residence and sued me won a judgment for XXXX + interest. This was included in my XXXX in XXXX. When I changed the title from a trust into my name in XXXX a lien went on my house. 

This is illegal for them to try to collect. It is illegal for them to record a lien 5 years after a discharge of a XXXX Bankruptcy. This must be enforced and I will never stop with going after them if they force payment. I had an attorney say they will owe me for a lot for sanctions, penalties and court fees if I take them to court. I will also have them pay for my attorneys. I want them to remove the lien in XXXX XXXX court and remove it from my credit report immediately. 

I may start a class action suit if this doesn't go away with countless others.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. 

Conducting sham investigations that fail to properly address consumer disputes : Improperly reinserting inaccurate information on consumer reports :
Product: Credit card

Barclays has posted my account as delinquent, damaging my credit, while ignoring my repeated attempts to get them to acknowledge and correct their failure to enter correct information on my account showing I never owed a charge from a merchant which I contested and which the merchant withdrew after I filed a XXXX  complaint against them. 
There were two improper charges of {$52.00} made by the merchant, and Barclay sent me notifications on XX/XX/2023 ( Case ending in XXXX ) that I had a provisional credit for the first {$52.00} dispute and another a notification that I had a provisional credit for the second disputed charge of {$52.00} on XX/XX/2023 ( Case ending in XXXX ). 
However, the second charge continued to appear on my subsequent monthly bills despite my telephonic requests and written requests ( my letters to Barclay XX/XX/XXXX and XX/XX/2023. 
This continued even after the merchant advised me in the XXXX  complaint that the charges had been withdrawn. 
Telephone calls to Barclays were inconclusive since none of their representatives was able to speak XXXX without such a heavy accent as to make them unintelligible. 
Barclays has never responded to my letters or given me the results of the " investigation '' the supposedly conducted into the bogus charges of the merchant which were subsequently withdrawn by the merchant who made them. 
Instead, they have continued to seek payment for a charge they were reimbursed for as well as charging me interest and fees on a dispute which was resolved in my favor. 

I would be happy to provide copies of the referenced documents but the CFPB upload restrcts uploads to 10MB and they all exceed the limit.
Product: Money transfer, virtual currency, or money service

I have a lot of previous transactions with the Application and I have never had any problems before. This time I transferred huge a amount and sent it to a bank in the XXXX but never received it. 2 transactions failed also because the customer service told me to try again and still did not receive it. Now lost bigger amount and it was for my moms medication.
Product: Mortgage

On XXXX XX/XX/XXXX I purchased a house on XXXX XXXX XXXX, XXXX XXXX, VT XXXX. At the time my mortgage company was XXXX XXXX which bout XXXX XXXX and assumed the XXXX XXXX name ) the previous owners were XXXX and XXXX XXXX and there mortgage company was XXXX XXXX Bank ( which was bought by Bank of America in XXXX ) and they didn't discharge the mortgage with the Town of XXXX, VT. I'm currently in the middle of trying to sell my house and the buyers title search company discovered the error. Initially I was told the when Bank of America acquired XXXX XXXX that part of the accounts were acquired by XXXX XXXX which wasn't true. I'm currently out almost {$10000.00} dollars trying to correct this error. I need some assistance in getting Bank of America to discharge this mortgage so I can continue with the closing. I currently live in XXXX Texas and trying to support two house holds.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance to the Fair Credit Reporting act, XXXX, EQUIFAX, AND XXXX ARE IN VIOLATION OF Section 1681, 1681b ( c ), 1681 ( C ) 1681S ( 2 ), While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX Inquiries : XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX XXXX inquiry XX/XX/2021 Equifax inquiries : XXXX XXXX inquiry XX/XX/2021 XXXX XXXX inquiry XX/XX/2021 XXXX XXXX inquiry XX/XX/2021 XXXX inquieres : XXXX inquiry XX/XX/2021 XXXX XXXX XXXX XXXX, EQUIFAX, AND XXXX ARE IN VIOLATION OF I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you XXXX, XXXX and Equifax permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$80.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Account : XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX has also violated my rights. 

I've also looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance Sincerely, XXXX XXXX XXXX DOBXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDXXXX, Experian, and XXXX Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto insurance paid off the vehicle. And XXXX does not remove it from my report.
Product: Credit reporting or other personal consumer reports

I contacted DeptOfEd/XXXX ( XXXX directly XXXX and asked them to correct information reporting on Equifax report . Report states I was late in XX/XX/XXXX. However, XXXX has not been the account holder in XXXX. How can they report a single late payment for XX/XX/XXXX? 

Additionally - government mandates during XXXX prevented ANY late payments from reporting between XXXX for eligible student loans. My loans were eligible. 

Account was closed due to transfer. XXXX is at {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account listed on my credit report, called XXXX XXXX XXXX XXXX, which date was opened on XX/XX/2018. I have disputed this fraudulent account with Experian and they have not removed this account from my credit report and Experian and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against Experian and XXXX XXXX XXXX XXXX for not removing this fraudulent item from my credit report and not being in compliant with the FCRA. I have attached a police report and affidavit which I already reported to credit bureau already and they have some kind of way verified it accurate and it is not my account.
Product: Debt collection

XXXX XXXX XXXX XXXX has been a thorn in my side for many, many years. Their staff & collecting agencies don't know what they are doing, how to run insurances, nor are they properly trained, and their medical practices & procedures go against common medical laws, bordering on medical negligence e.i. life threatening & damaging. It's NOT my fault they refuse to or maybe they just don't know how to run/bill the insurance properly, so I shouldn't have to pay for their wanton thoughtlessness. 
Now, I have 3 types of insurance, and XXXX XXXX has ALL OF Them on file.. XXXX, XXXX and something called Qualified Medical Beneficiary ( QMB ) Program. I will attatch those pictures of the insurances and cards with this to prove it, and it has the dates of coverage on it, so they can't lie and say I wasn't covered or they didn't know either.. But my Children 's information is none of your businesses, therefore I will XXXX them out.. 
XXXX pays about 80 % of everything, XXXX takes care of the rest, and if by some XXXX XXXX chance something else, like a co-pay, deductible, or a coinsurance is owed, XXXX takes care of that little problem. 
So, with those facts in mind, in my conclusion : There is no way on God 's Green Earth do I owe them ANYTHING, period. Now take this off of my credit report, running my credit scores down, ASAP!!!