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

" Your agency is in violation!

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$1300.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXX - XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to card issuers and Experian and unfortunately the dispute results have tons of details without value or proper explanation or resolution. meaning more misinformation than actual information. The questions I have are. 

1. When credit reporting is monthly ( Also Note-customers registered on credit Bureau sites get daily updates ) . Why would a 0 % APR for XXXX balance have to consider the total balances. I need the current score not the future score. 

2. Credit card issuers are reporting the balances inaccurately. The unfair part is credit card companies who attract customers with rewards and cash back forget the fact that once a customer accumulates cash back over time, that amount has to be considered to get a net balance. 

3. Reporting delinquencies on $ % basis is more accurate than # of delinquencies. 

4. Who and how often is the data integrity validated? credit reporting agencies do have inconsistencies. 

5. Finally, the models must reflect most recent micro and macroeconomics, inflation, GDP, price index, unemployment, climate risk. Why is there is disparity on consumers, who are the fundamental elements of driving the GDP but are treated unfairly by only considering what is profitable to big credit issuers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I transferred a line from a separate XXXX account, to my XXXX account. At the time, XXXX explained that a temporary account needed to be created in order to make the transfer. 

A month, later, I received a bill for the temporary account that XXXX created. After a dozen phone calls and 5 trips to different XXXX stores over the course of a month, someone at XXXX finally said that the issue had been " resolved. '' In XXXX of XXXX, a collections agency reported delinquency on my credit report. XXXX  did not resolve the problem, and send the amount to a collections agency. After more calls to XXXX, they again said it had been resolved. 

I was, at the time, pursuing a refinance that would have saved me thousands of dollars. This delinquency on my report stopped those efforts immediately, as my credit no longer supported these rates. 

However, XXXX seems uninterested in ensuring that this is permanently removed from my credit report. I have made dozens of efforts to resolve this in good faith with XXXXXXXX to no effect.
Product: Checking or savings account

I was charged excessive amount of overdraft fees. This was not made completely clear to me opening my account. It was so bad. The only way for me to continue paying bills. I was forced to retract my direct deposit. They would not allow me to close account. I was forced to allow them to max out their fees. Then report to my credit.
Product: Mortgage

Attention Cfpb complaint XXXX I just filed a complaint and I forgot to add to my note that I am waiting for my social security benifit to come through as you Know how government offices work they are late and take too long I also am in contact with office of XXXX XXXX XXXX XXXX and they are on my XXXX case This was addition to the complaint I just filed
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX BANK ACCOUNT # XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

I have had a mortgage with bank of America since XXXX the pymt is due on the first but I have a 15 day grace period. However, about a week to 10 days before my grace period is up they charge an extra {$6.00} for me to make the payment on line. this was not in ther terms of my initial loan agreement and I do n't see how they can charge that since I 'm not past due. I would like all these fees I 've paid refunded to me and I 'd like to know how to inquire about a class action law suit.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies have placed accounts that were never to be or are incorrect on balance and contract. XXXX XXXX has no agreement with me also under UCC 3-104, 31 USC 5118 , 12 USC 1431 , 18 USC 8 . 
The XXXX Accounts are XXXX. XXXX XXXX- ( auto ) XXXX or relevant. 
XXXX. XXXX XXXX - XXXX ( AUTO ) XXXX. XXXX XXXX - XXXX XXXX ( REVOLVING )
Product: Credit reporting or other personal consumer reports

I have an open complaint against XXXX XXXX and TransUnion. Both have received the complaint. TransUnion reached out and told me it was not their problem and that they could do nothing to fix their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Product: Debt collection

XXXX I never had an account with them XXXX XXXX I reported my card lost and to close the account and they did n't and that I do n't know what Transworld system is and it was open XX/XX/2012 I have no idea on what all this is on my credit the only thing that should be on my credit is really nothing everything 's up to date except I 'm behind on one of my credit cards to my credit cards but those are getting paid next month and that 's XXXX and XXXX XXXX those XXXX credit cards are getting paid next month but other than that I should n't have anything else on my credit somebody is using my credit out there and it 's going on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS AFFECTED IN WITH THE EQUIFAX BREACH. MY INFORMATION WAS COMPROMISED. MY NAME, HOME ADDRESS, DOB, SSN, EMAIL ADDRESS, PHONE NUMBER, CREDIT CARD AND DEBIT CARD INFORMATION, ALSO MY IRS ONLINE ACCOUNT WAS ATTEMPTED TO BE ACCESSED ON XX/XX/XXXX, ACCOUNT WAS LOCKED DUE TO UNSUCCESSFUL ATTEMPTS ( 3 ). I HAVE HAD TO CLOSE DEBIT/CREDIT CARDS DUE TO UNAUTHORIZED CHARGES. I MAILED EQUIFAX A LETTER WITH FTC REPORT ETC 42 DAYS AGO AND JUST LAST WEEK ON XX/XX/XXXX I RECEIVED A LETTER FROM EQUIFAX ADVISING THAT I WAS COMPROMISED AND MY CREDIT CARDS WERE ACCESSED ETC. I FEEL IF I DID NOT SEND THAT LETTER THEY WOULD HAVE TAKEN THEIR TIME TO SEND ME THE LETTER ADVISING OF MY INFORMATION BEING COMPROMISED.
Product: Payday loan, title loan, or personal loan

I received a {$1700.00} loan against my car. I told the rep I only get {$200.00} in child support and am NOT working! He said that he would make sure the payment was {$100.00} a month or less! I was told to electronically sign the screen, which I did, and that he would get my rate! He said he did but refused to give me any paperwork! He said it's all done electronically and that I could view it online. I've called over and over and still don't have access. I'm now being told my payment is over XXXX a month,!!! This has to be illegal!!!!
Product: Credit reporting or other personal consumer reports

Hi XXXX, I just checking my credit report and I saw this XXXX  XXXX BANKRUPTCY still showing up my credit report. I was told this inaccurate account shall delete from my credit report and I want to delete this bankruptcy as agreed by LAW.
Product: Mortgage

We applied for a HELOC Line of credit. We were approved for XXXX. We were told that in order to accept the loan, they would have to roll our car debt into the loan so we did. We were also told by XXXX that we could LOCK IN OUR INTEREST AT AROUND 9 %. He gave us a quote of a XXXX a month payment without locking in the interest rate which could go up. He also quoted a monthly payment of XXXX a month with the cost of locking in the interest rate so we decided to take the XXXX a month payment. 

Our first payment was XXXX. However! When we received our second payment, it was XXXX when we called. We were told that the interest rate had gone up. We told them that we were paying XXXX a month because we were told by XXXX that our interest rate was locked in at XXXX  %. Our interest rate is now XXXX % and was NEVER LOCKED IN. I called XXXX and asked him what happened. He told me that HE NEVER TOLD ME THAT!! HE WAS LYING!!! The reason that we moved forward on the HELOC with Pen Fed is because Pen Fed quoted us a XXXX a month payment with a LOCKED-IN RATE OF 9 %. Now they are telling us that our payment is going to rise and it would cost us XXXX dollars a month if we wanted to LOCK IT IN at XXXX % THEY ARE VERY DECEIVING. Our XXXX XXXX is now XXXX and rising... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Called me at XXXX XXXX  Tuesday morning XX/XX/XXXX. Called me and told me that he had been bringing this up. Told me that I was the 3rd person that he had talked to. He also said that his other teammates are having the same experience as well. He said that this is becoming a trend. He encouraged me to escalate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED WERE NOT AUTHORIZED AND DO NOT BELONG TO ME XXXXXXXX XXXX XXXX - XX/XX/2017 XXXX XXXX X3 - XXXX XXXX ANDXX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XX/XX/2017
Product: Debt collection

Upon checking my credit report there is an account that has been placed in collection on my report that I have no idea what it is. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2018 {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account does not belong to me and the only Bureau this is reporting to in XXXX.
Product: Debt collection

Firm Name / Account # Amount Reason for Dispute Ally Financial {$3500.00} XXXX Merchant is unable to locate this. Account / Account has been closed I have called several times and spoken to ( 7 ) seven departments who were all unable to locate this account. I feel like this is a violation of the FCRA and I have reported this to the CFPB. 

Please see below for the call log and contacts for who I spoke to on XX/XX/2024. 

XX/XX/2024 Spoke with XXXX and XXXX @ XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2024 - Spoke with XXXX ( Manager ) in the Bankruptcy Dept. 
( XXXX ) XXXX XX/XX/2024 XXXX XXXX Call was transferred 2 Time XX/XX/2024 XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO HAVE THE FRAUDULENT ACCOUNTS REMOVED/BLOCKED FROM MY CREDIT REPORT. I HAVE ALSO FILED A POLICE REPORT, I HAVE REACHED OUT THE CREDITORS WHO ISSUED THE FRAUDULENT ACCOUNTS. THE CHARGES ARE NOT MINE, THE ACCOUNTS ARE NO MINE, I AM VICTIM MY KIDS ARE A VICTIM BECAUSE WE NEED TO MOVE NO ONE WILL RENT US A HOUSE, HOW FAIR IS THAT???????
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, Account # XXXX and XXXX Account XXXX XXXX have violated my rights. 15 U.S.C.1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

**Constitutional Statement Regarding Identity Theft** [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX MO, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX XXXX ] [ Collection Agency : Santander consumer U ] [ XXXX XXXX XXXX, XXXX, TX XXXX XXXX [ XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Subject : Notice of Identity Theft Account of XXXX XXXX To Whom It May Concern, I am writing to formally address a matter of identity theft concerning an account allegedly associated with the name XXXX XXXX. I wish to assert my rights under the Fair Debt Collection Practices Act and related laws. 

Please be advised that I have no knowledge of nor responsibility for any debts purportedly owed by XXXX XXXX. I firmly believe that my personal information has been misused without my consent, and I am taking this matter seriously. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you provide me with all documentation related to this account, including any signatures or agreements that supposedly link me to this debt. Additionally, I demand that you cease all collection activities related to this account until this matter is resolved. 

I have also taken steps to protect my identity and will be reporting this incident to the appropriate authorities, including the Federal Trade Commission ( FTC ) and my local law enforcement agency. 

Please send all future correspondence regarding this matter to my address listed above. I appreciate your prompt attention to this serious issue and expect a written response within 30 days. 

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

Prestige Financial Services is reporting 3 inaccurate late payments XXXX XXXX XX/XX/2018 to my XX/XX/XXXX credit report. Ive disputed the inaccurate information with Bank statement to XX/XX/XXXX no luck they wont delete them even wit my bank statements showing I made the payments. Ive reached out to Prestige Financial Services numerous times with no luck getting this issue resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reach out to XXXX as well as equfiax concerning the negative items effecting my credit report since i filed first on XX/XX/2018 and next on XX/XX/2018, and they have not responded and has violated the FCRA by not doing so within 30 days.
Product: Credit reporting or other personal consumer reports

My Identity has been compromised and used to open several fraudulent accounts without my knowledge or consent. I was incarcerated when these accounts were open. These accounts have been placed on all three major credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that Experian has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ; -  XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  - XXXX /  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  XXXX
Product: Mortgage

On or around XX/XX/XXXX, I received an email from my credit monitoring service that a delinquency was reported by the mortgage company on my credit score. I called the mortgage company and the agent at that time told me that the payments were made and that she was going to put in a request to customer service to research why the payments were not applied to my account and that it would take approximately 3 days to correct the issue. 

Around or on XX/XX/XXXX, I was reviewing my bank transactions and saw that the XX/XX/XXXX mortgage payment was returned. I immediately called the mortgage company again. The agent on this conversation was able to see that my payments were in suspense because the escrow portion of the payment had increased by approximately {$90.00}. The agent noted that my new mailing address was incorrectly entered into the computer system and this was most likely why I never received notice that my payment was changing. I told the agent at this point that when we end the call I was going to send in {$2700.00} for the XX/XX/XXXX payment and to make up the shortages on the XXXX and XX/XX/XXXX payments. I also at this point asked to speak to a supervisor, the agent informed me that she would put in a request for a supervisor to call me which could take up to 48 hours. I never received a call. 

On or around XX/XX/XXXX, after not receiving a call back from a supervisor, I called the mortgage company again to ensure the issue was resolved. This agent said that the reason my account was not cleared up was because my XXXX, XXXX, and XX/XX/XXXX payments were returned by the mortgage company. While still on the line with the agent, I reviewed my bank records from XXXX through XXXX and the only payment that was returned was the XX/XX/XXXX payment. The have 2 payments of {$2300.00} that have not been applied which would clear up this issue. 

On or around XX/XX/XXXX, I called again to the mortgage company. The agent on this call said that she was going to see if she could get a supervisor to join the call so we could get this issues corrected. When she returned, she stated that her supervisor informed her they were already researching the issue and to reverse the delinquency reports on my credit and that I would received a call the following week since it was a holiday weekend. 

On or around XX/XX/XXXX after not receiving a call as promised from my XX/XX/XXXX conversation, I call in yet again. On this call I simply asked to speak to a supervisor and was told they would have to request a call back which could take up to 2 days. I never received a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Product: Consumer Loan

I took out a title loan on one of my vehicles. I was in an urgent situation and needed the money right away. I borrowed money on the title of my XXXX for around {$3600.00} in XX/XX/2015. 
Due to a domestic dispute, the vehicle was sold to a 3rd party right out from under me. Because the vehicle had a tracking device on it, I was able to get the car back. I was charged almost {$780.00} in repossession fees to recover the vehicle, and was told by XXXX that they would not tell me where to recover the vehicle until I paid it. I paid it immediately and was told where to go to recover the vehicle. I was also required to pay an additional {$140.00} to an auto storage company before they physically release the vehicle back to me. After I recovered the vehicle, XXXX put a repossession on my credit report and when I asked them to remove it, they said they would but to date, the repo remains on my credit report. 
I noticed that the balance on the loan was not going down so I requested a loan payment history. I noticed that there were additional fees added to my loan balance, including doubled repossession fees that were added to my bill. My wife went in to make a payment and inquire about the additional fees, noticing that the balance was going up and was the same after almost 15 months. My wife spoke to a man named XXXX, who assured her he would review the payment ledger and call her back the following week. That call never came. Altogether, I believe there are additional fees of approximately {$1100.00} that are being extorted from me. The interest rate was 96 % at the beginning of the loan and was reduced to 60 %. I have attached a copy of my latest monthly statement which does not reflect the interest rate on the statement. I am trying to pay the loan off by adding additional money to the regular payment, but I believe the balance of the account should be no more than {$2300.00}. I would like the CFPB to look in to these unlawful lending practices and help me get away from this dis-honest loan sharking company. I went into this loan with my eyes open and I take responsibility for that, but I draw the line at extortion. I do not owe these additional fees and if I am forced to pay them, I want it on the record. I have attached the loan payment history for your review and have marked with highlight the additional fees that I believe are illegal. 

I would like this company to be advised that they are not allowed to extort unlawful fees and for them to be required to reduce the loan balance by the amount of the additional fees they padded on to my account. Here is a link to show how many unhappy customers they have and their unethical consumer practices. 
XXXX