23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I need to report TRANSUNION for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have disputed inquiries on my credit report that I did not authorize and they do not belong to me. I have a fraud alert on my file due to someone else applying for credit and using my social to obtain credit. Experian has refused to delete or investigate the unauthorized inquiries. Per the FCRA a consumer has the right to dispute inaccurate or unauthorized information reflected on their credit file. The below inquiries are related to fraud and need to be removed. CERTIFIED CREDIT REPORT-, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX The above inquiries need to be removed. I have contacted the companies and they have no record or application that belongs to me so they are not able to assist in removing these inquiries.
Product: Bank account or service

I opened my citibank account on XX/XX/XXXX. I deposited XXXX on XX/XX/XXXX. 
I dd n't like citibank experience and decided to close my account. So I pulled my money on XXXX/XXXX/XXXX and deposited into my XXXX XXXX XXXX account using mobile deposit. It was posted on XX/XX/XXXX. Then I closed my citibank account. On XX/XX/XXXX it was returned. Now that my citibank is already closed, that money was not deposited into citibank. Both banks suggest me to contact other bank and noone is for sure about what happened to my XXXX money. Please help me
Product: Credit reporting or other personal consumer reports

I am writing to address some concerns pertaining to my private information and its sharing by consumer reporting agencies, specifically XXXX, XXXX, and XXXX. As a consumer, it is essential that my rights are upheld as stated under the Fair Credit Reporting Act 15 USC 1681 section 602 a. This act emphasizes the need for fairness, impartiality, and respect for the consumer 's right to privacy.

Furthermore, according to 15 USC 6801, it is the policy of Congress that financial institutions have an obligation to respect customer privacy and safeguard their nonpublic personal information. As a financial institution defined under this provision, ( Furnisher of information to credit agencies ) must adhere to these principles.

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies are only permitted to furnish consumer reports based on the written instructions of the respective consumer. I have neither provided consent to ( Furnisher of information to credit agencies ) nor XXXX, XXXX, and XXXX to share my information. Any previous consent, whether explicit or implicit, is hereby revoked. 

Moreover, according to 15 USC 6802b c, a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties without informing the consumer of their nondisclosure options. I was never given the opportunity to exercise this right. 

I would also like to draw attention to the fact that 15 USC 1681C a 5 prohibits consumer reporting agencies from including certain adverse items of information in consumer reports, specifically those that antedate the report by more than seven years. It is evident that an adverse item is being reported without my permission, which constitutes a violation of the law.

Additionally, 15 USC 1681s 2 a 1 a states that it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, XXXX, and XXXX must ensure the accuracy of the information they provide. 

According to 15 USC 1681e, consumer reporting agencies are required to establish reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes outlined in section 1681b. It is clear that XXXX, XXXX, and XXXX are not meeting these expectations. 

Lastly, in accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of the reporting services of all three companies ( XXXX, XXXX, and XXXX ). 

I hope that these issues are addressed promptly and that my rights as a consumer are fully recognized and protected. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I got my tax return into my venmo account which was about XXXX dollars. I went to XXXX XXXX  and opened up a new checking account and added it to My venmo to transfer my remaining balance and they suspended my account for suspicious activity and told me I needed to provide documentation to verify my identity. I sent my driver liscence and a deposit slip for my bank since it was brand new and had no deposit history. On XX/XX/XXXX I requested the deposit info from the bank directly and uploaded it. They then tried to inform me they can not verify I have direct access to the account and will not give me my money. They can call chase directly and verify.
Product: Credit reporting

LexisNexis has been reporting inaccurate information that actually belongs to someone else under my name. I have reached out to them several ways. I inquired about the error, but never received an answer. They only corrected the information and sent an updated report. The damage was already done because insurance companies have been charging me based on their reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ID : XXXX Date of Birth : XXXXXXXX  SSN : XXXX ID Type : Drivers License ID # : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX Early Warnings Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following that appears on my Early Warning Consumers Services consumer report. I have NEVER opened or use the following account numbers : Bank Name : XXXXXXXX XXXX XXXX 
Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank Name : XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. I am a victim of identity theft, and I don't recognize these accounts in my report. I am requesting the following information be deleted from my early warnings report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

i am not delinquent on anything at nationstar. nationstar added this document to my account and it feels like they are XXXX with me again now in a different fashion. i do n't know what to make of this document. i pay my full mortgage payment each month and i have no clue how i can be delinquent on anything in my account from nationstar. it seems like every time i think my account is settled and going good nationstar gets sneaky and extorts more and more money out of me. nationstar is full of scammers! what does this document mean????
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent informations in my credit report. I did not open these accounts. 

Fraudulent Charges to My Landline Phone Account Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$260.00} Fraudulent Personal or Business Loan Company or Organization XXXX XXXX XXXX  Account Number : XXXX Date fraud began:XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$290.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date fraud began:XXXX  Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$1500.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account Number XXXX XXXX Date fraud began:XXXX  Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$13000.00} Fraudulent Auto Loan or Lease Company or Organization XXXX XXXX XXXX  Account Number XXXX XXXX Date fraud beganXXXX  Date that I discovered itXXXX Total fraudulent amount : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 As a consumer by law this account must be deleted immediately 6. FDCPA Section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report.

7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.

8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

9. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

10. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

A TitleMax employee is sharing all my loan information, address and phone number to my estranged family members which happen to be very good friends and or family of said TitleMax employee. I have screenshots of my sister in law telling me about having knowledge of my loan, late payment, loan information and my address. They have broken my privacy protections.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/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. These accounts. [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ] are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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. 
Check the attachments below.
Product: Vehicle loan or lease

My name is XXXX XXXX. Last year XXXX XXXX, XXXX I purchased a lease from XXXX of XXXX, FL. I was asked by the cars salesman to pay him cash for my car payment so he could give me a discount. The cars salesman named XXXX XXXX, pocketed the money I was giving for my car payment. I paid him every month. I have text messages between him and myself of me giving him payment as proof. He never paid the car payment until XXXX XXXX. The reason why he paid it was because a repo man came to my job and tried to reposes the car. He paid the back payments from XXXX to bring me back up to date. He took another {$460.00} from me and never paid the car payment. I called VW and they fired him because of this. I am now behind my payments again because he took that {$460.00} from ( ( which is all on record via text ). I am now trapped in a XXXX year lease for a car payment of {$440.00}. I was promised by the salesman after a year of the lease I could bring the car back in and swap it out for a newer lease or to buy a new car. I only did this to bring my credit up. My credit is now XXXX. I am stuck in a car payment that is so high I am working a second full time job to make up for the car payment. VW will not help me get out of the lease or bring the car payment down. I 've spoken to VW credit and I 've spoken to the XXXX ( XXXX XXXX XXXX at VW of XXXX, where the incident happened. I ca n't afford a lawyer and I am really trying to seek some justice. I want to be put back into a more affordable car. I am so unhappy with the way VW handled this situation. I am a single person asking for help. They are a XXXX dollar company that can afford to help me out in this situation. Please contact me so we can figure out how to come to a resolution. Please XXXX XXXX XXXX reference number XXXX Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major agencies XXXX, XXXX, and Transunion have added incorrect items to my credit report. I have been a victim of several breaches such as XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, just to name a few. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries shall be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following address shall be removed below XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXX XXXX # XXXX, Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company.1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]
Product: Payday loan, title loan, or personal loan

I took out a loan with Credit Central located at XXXX XXXX XXXX XXXX, XXXX Alabama, XXXX in XXXX of 2017. My payment date is due on the XXXX of every month. I get paid once a month between the XXXX - XXXX and i always pay them when i get paid. On the XXXX of every month and and least 3 - 4 times a week they start calling me and harassing me wanting to know when they can expect a payment. I tell them they will get paid between the XXXX- XXXX everytime they call again at least 3-4 times a week. I always mail them a payment but they never send me a receipt. I ask them to mail me a receipt but they never send one. They tell me they are not obligated to send a receipt unless i mail them a stamped self addressed envelope. i am according to my records 2 payments away from having them payed off. I plan on sending a payment on XXXX. I need help with the uncalled for harassing phone calls every month.
Thank You
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$22000.00}.
Product: Checking or savings account

My account statement for XX/XX/XXXX has a 3-week gap without any reported transactions from XX/XX/XXXX to XX/XX/XXXX. 

I submitted a complaint to the CFPB earlier about reporting gaps in the XX/XX/XXXX and XX/XX/XXXX Statements for the same account. Gaps : XX/XX/XXXX to XXXX, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX to XX/XX/XXXX. 

I have also noticed a pattern of unrecognized transactions usually around the XXXX of every month, which I have not reported to the CFPB as I have been able to resolve them directly with the bank. In retrospect, these transactions are likely just a part of the bigger problem at the bank, It seems that the bank is having to eliminate certain transactions that occur around the XXXX of every month from affecting my account balance and thereby eliminating their requirement to report these transactions on statements keeping me unaware of their occurrence. Back-to-Back Debit transactions for the Incoming Credit transactions are no longer sufficient to hide the banks theft or at the least the facilitation thereof of my income.
Product: Checking or savings account

On XX/XX/year> I received a call from TD Bank to verify that I opened a bank account with them. I informed them I had not. They told me they would flag and close the account. The call was from XXXX with the TD Bank emerging fraud line.
Product: Money transfer, virtual currency, or money service

On XXXX I was in XXXX from the XXXX to the XXXX XXXX, in XXXX county Ga. I let my XXXX  ( XXXX and XXXX ) here at home, only had my XXXX with me that police took when I was in XXXX, a person that I know for 10 years was staying in my home and he was the one that took the money and my XXXX XXXX with all my info, he changes passwords and make emails aliases and took money from the XXXX account {$19000.00} dollars first he took on the XX/XX/XXXX $ XXXX $ XXXX-and XX/XX/XXXX {$4000.00} and the XX/XX/XXXX {$5000.00}, on XX/XX/XXXX {$5000.00}. 
For a total of {$19000.00}. 
Mycousing bond me out so when he know this he just took all his things and leave my home so I can not notice nothing but I came back home at XXXX and inmidiatly try to call XXXX but nobody answered then I call my bank because my debit card was linked to XXXX and they can took the last 2transactions of {$5000.00}, it was pending so she pass me with the dispute department I explain all this and they dispute the $ XXXX.but said he has to connect me with fraud department, and in here they freezes my account and debit card at next day I went to the branch and personally talk with the manager open a new account has to open a new email just for my Mobil app of the bank, and run XXXX XXXX, by the way at this point my a XXXX XXXX was complete erraise and hidden on the basement were this person was living I use my XXXX to search for the XXXX and both was loose or stolen then I only rod the XXXX I exchange passwords and all XXXX accounts all this was a lot to the point that I went to buy another phone and now the bank does not want to get involve and apply the chargers of XXXX with a XXXX excuse that I use that account on that time to-pay XXXX but that is an automatic charge so they take that like proof that I use the account I have XXXX for 3 years well that why decide not to add my money to my accct. And no dispute the charges .Now XXXX wants to charge me and the manager of the branch was especific on that I do not have to call XXXX he said because they are linked to us. He was a very helpful person he fill all the documents attached here, but the problem is with dispute even that they make me change my accounts they denied all dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is not mines. I have attached complaint sent to company and attorney general of Florida. 


XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson capital keeps reporting a balance on my credit reports that I have told them is not my account they are saying its a XXXX account which I never opened. It was disputed with both XXXX and XXXX and it was removed after a dispute. Now they have added it back as a new account to both reports. I have had the same cell service for 10 years I have never opened a XXXX account.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated with Navy Federal Credit Union for their lack of responsiveness and transparency regarding my requests for specific documents. On XX/XX/2024, Navy Federal Credit Union received a detailed written request ( USPS tracking number XXXX ) seeking copies of the information they are reporting to consumer credit agencies about me. They acknowledged receipt of my letter but failed to provide the requested documents, simply stating that they had investigated my claim and found the information they reported to be accurate. Dissatisfied with their response, they received a second letter on XX/XX/2024 ( USPS tracking number XXXX ), yet I have still not received any response from them whatsoever. Their failure to provide the requested documentation violates the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit reporting agencies, upon request, provide consumers with all relevant information about their accounts being reported. This lack of action and accountability from Navy Federal is not only frustrating but also potentially damaging to my credit standing and financial health.