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

in accordance with the FCRA XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy furthermore 15 USC 1681 section 604a 2 call also states, a consumer reporting agency can not furnish an account without my written instructions. Oh, lastly, under 15 USC 1666B and creditor may not treat a payment on a credit card account on an open-ended consumer plan as late and 15 USC 6802 obligation with respect to disclosure of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account isnt mine.
Product: Vehicle loan or lease

I was involved in an accident that resulted in a Total Loss of my XXXX XXXXXXXX Toyota XXXXXXXX. Following the findings of me not being at fault for the accident, Toyota Motor Financial ( TMF ), settled with only my insurance company, XXXX XXXX. They failed to contact the other parties insurance during the process. I had also purchased GAP insurance from TMF in the event it would be needed. Following the settlement on Fair Market Value, TMF only covered approximately {$900.00} with a deficit of over {$3000.00}. The account has since been charged off, however TMF semi annually reopens then closed the account. They have sold the debt previously to third parties that are not able to provide proper documentation when asked.
Product: Debt collection

XXXX XXXX has been putting Negative reports on my credit. I have never been contacted or had any attempt to prove the debt is mine, or advise what the debt is for. There are 2 debts, one from XXXX and one reported this week- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXX that was paid off and closed in XX/XX/XXXX. Experian was still showing this account as open with a balance. On XX/XX/XXXX, I opened a dispute with Experian saying that the mortgage had been paid in full. I provided a letter from my mortgage company saying the same. I asked that the report be updated to closed and paid in full. 

After a month, I received a notice that my dispute had been resolved on XX/XX/XXXX. Instead of updating my account status, Experian deleted the mortgage off my credit report completely and my score dropped a significant amount. I tried to reopen the dispute that day, but Experian has not returned any contact. 

Ive since contacted the mortgage company and they said that they would update through eOSCAR, but I have yet to see anything corrected on my credit report. Experian has been non-responsive and its been extremely frustrating to get in contact with anyone to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to file a complaint against EQUIFAX, a credit reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ). EQUIFAX has reported false personal information and information not related to my legal identity, specifically, my legal name, is incorrect.

The FCRA mandates that credit reporting agencies maintain accurate and complete information about the individuals whose information they report. Under section 607 ( a ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. On XX/XX/2023 ( today ), I obtained a copy of my credit report from EQUIFAX and discovered that my personal information was incorrect. Specifically, my legal name is completely incorrect. This error by EQUIFAX has led to reporting information not related to my legal identity. 

Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), states that credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy of the information they report. Despite this legal obligation, EQUIFAX has been reporting information not related to my legal identity, including credit accounts and delinquencies that do not belong to me, causing harm to my credit score and stifling my financial opportunities. As evidence to my complaint and to verify my identity, I have attached a copy of my government-issued driver 's license. 

As you are aware, 15 U.S.C. 1681g ( a ) ( 1 ), requires that credit reporting agencies provide consumers with access to their credit reports and investigate disputed information within a reasonable period. Furthermore, section 610 ( b ) of the FCRA requires credit reporting agencies to investigate any disputed information and make necessary corrections or deletions. I am therefore appealing to the CFPB to take immediate action and require EQUIFAX to investigate this inaccuracy in my legal name and remove all incorrect personal information and any information related to the incorrect personal information from my credit report. I also request that EQUIFAX conduct a thorough investigation into the accuracy of my credit report and provide me with a copy of the corrected report within 30 days. 

I am looking forward to a prompt resolution of this matter. Please let me know if you require any additional information from me. 

Thank you for your time and attention to this matter. 

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

Listed below are several companies that do not know and did not approve any inquiries to my credit from this companies. I had my credit hit about 7-9 times with hard inquires from random unknown financial institute 's all in a span of a week. I have not tried to contact said banks for these inquiries. 

XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX Deal out of XXXX, OH XXXX Phone # ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and 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 inquiries 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 21 times. XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
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 TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I have sent financials and request for modification to my mortgage co. SPS Several time over the last 2 years. Select Port Folio has been rude and not willing to help me. I want to keep my house. I received a letter from XXXX XXXX XXXX stating that my property will be sold XXXX XXXX, 2016. The property foreclosure letter was received 15 days prior to the property foreclosure sale. See Attachments In Tennessee it is the law notice of property foreclosure sale has to be sent to the Homeowner 30 days prior to the sale They have the paper work to modify my mortgage. Please HELP
Product: Checking or savings account

I sent a payment to my doctor via XXXX XXXX with Navy Federal, some how an account I have not had access to for over a year was charged, and XXXX XXXX said I was committing fraud and wanted a credit card plus fees to correct the problem and I would no longer be able to use XXXX pay with NFCU
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi, I recently had my chase account closed. 
There was a balance of {$77.00} on that card. When I logged onto my app to pay I noticed 3 charges on this account that were not mine. I have disputed them as fraudulent before as my wallet was lost/stolen I have submitted a prior complaint as well and have not heard back from anyone
Product: Credit card or prepaid card

My complaint is regarding the Gap Credit Card through Synchrony Bank. My initial problem began in XXXX of 2022. After paying the credit card statement in full, I subsequently received a bill for the amount I paid, plus a late fee. The sent bank info to Synchrony, including check info from my bank showing the check had been processed. They opened a review of that complaint. In the meantime, I received additional statements with additional late fees. In XXXX, I sent the cut up credit card to synchrony bank with a letter requesting they close my account. It also filed a complaint with the Florida Attorney General XXXX. They have a file of my complaint on record. Shortly after that I received notice from Synchrony that they would look into it. In the meantime more bills with late fees, and recently a new credit card! Yesterday, I received a bill for XXXX stating that the past due amount was {$9.00} and late fee or {$20.00} and interest of {$2.00}. The total bill was {$32.00}. I have not made any purchase at Gap using the synchrony card since XXXX. Their ceaseless billing of late fees and refusal to close my account leave me no choice but to complain again the the Attorney General, The XXXX XXXX XXXX, and now to XX/XX/XXXXI have read online that this billing behavior is not unique to me. I can only infer that leaving this current attempt collecting on a debt that I did not initiate will lead to more late fees on into eternity. I a : at my wits end.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX, XXXX & XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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.
Product: Checking or savings account

My card was stolen I reported it multiple times to the bank they didnt do anything for weeks almost a month later they said they would disputed the charges the bank didnt investigate I sent them the requested information and they let Thieves steal my money and my identity I spent almost 3 hours on the phone with the dispute team and they did nothing to help all they told me was that I would get an email and when I got it to send two forms of Id which I did since then nothing has been done no investigation was made whatsoever and someone is out there spending money like crazy while this bank just lets them rather than file the dispute and investigate properly and protect their customers aka me cus the criminals who robbed and continue to rob me.
Product: Credit reporting or other personal consumer reports

Complaint Against : TransUnion XXXX XXXX XXXX XXXX, Illinois XXXX Complaint ID ( previous CFPB complaint ) : XXXX Certified Mail Tracking No. : XXXX I am filing a formal complaint against TransUnion for failure to correct inaccurate and damaging information on my credit report, which has significantly impacted my financial standing, housing, and mental health. Despite multiple disputes and a pre-arbitration demand, TransUnion has failed to provide adequate verification or evidence supporting the accuracy of the disputed items. 

The following accounts have not been addressed directly or corrected : XXXX XXXX ( Account Number : XXXX ) Incorrect balance and inconsistent payment history. 
XXXX ( Account Number : XXXX ) Discrepancies in balance and payment status, resulting in a negative credit balance. 
XXXX XXXX XXXX ( Account Number : XXXX ) Collection account with inaccuracies in the date of the last payment and balance. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX ) Reported as a charge-off while currently in litigation under case number XXXX. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure the maximum possible accuracy of the information it reports. However, TransUnions verification of these disputed accounts lacks substantial evidence and fails to address the specific inaccuracies I highlighted. The verification response from TransUnion was vague and did not include any documentary proof from the creditors. 

These inaccuracies have caused substantial harm to my financial and personal well-being, including : Denial of credit opportunities critical to securing a larger home and vehicle for my family, mental health issues exacerbated by the ongoing stress of financial instability and credit denials, and financial hardship due to higher interest rates and unfavorable credit terms.
Product: Credit reporting or other personal consumer reports

I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them. I need them to remove the inaccurate info immediately.
Product: Mortgage

Chase sent me a letter that sai the FULL balance was forgiven. The letter said FULL principal balance all fee and anything else. They released the lein and everything! When they report to the credit bureaus they report paid " less than full balance ''? That not what I agreeded to! I agreeded to the FULL balance, the entire lein all fees to be forgiven by them, did not enter into an agreement that settled for " less than full '' balance! Need to be reported that the " full balance '' is paid.
Product: Debt collection

I had an account with XXXX XXXX, I made one purchase, ( around {$130.00} ) paid that purchase in full but was late a few days with the payment. I then paid the late charge ( {$27.00} ) after speaking with the agent on the phone, the would not take a phone payment at that time without further charges so I made the payment myself and asked the agent to close my account, which they did. The payment posted 2-3 days late so they charged me yet another late charge for the late charge payment. The bank agents have been calling me at home, work and even my in-laws house harassing me to pay them for another late charge. ( I told them I would just return the item ). They said I couldn't do that. They have sent me to collections, ruined my credit score all because they wanted me to pay them more money for and item I paid in full for and paid a late charge for. This has been going on for months. Calling every day, then calling my work, saying they are going to turn it over to their attorney 's to sue me. It's just an awful bank and should not be allowed to be able to treat people this way.
Product: Checking or savings account

In XX/XX/2020, Wells Fargo charge me for an overdraft that they claim to have paid for me first off I didn't have any money in my account and I have overdraft protection to avoid this what I don't understand is how is it possible for them to continue to let this happen I have numerous of charges from XXXX  and XXXX from 2 or 3 months ago I want to be reimbursed for those charges ALL of them. Wells Fargo is doing a FRAUDULENT activity they told me that we're only going to go back 60 days from today when I been getting charge way before that I prayed that every WELLS FARGO gets SHUT DOWN!! I'm so tired of them not be punished for their scandalous doings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of credit fraud my identity has been compromised. I don't recognize these inquires please remove from my account. I have a freeze on my report. Please remove these inquires please review the list below. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dispute this XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, XXXX, OR XXXX
Product: Credit card or prepaid card

An XXXX  was purchased using my Chase XXXX account number and my address online from XXXX XXXX for {$1000.00}. We immediately told Chase on issued new cards. I have struggled to get detailed information from Chase as to why they say the charge is valid. The identity thieves used an invalid email address, which I sent documentation to chase. Neither Chase nor XXXX XXXX will give me information as to where the XXXX was shipped, did they thief pick it up in the store, etc. They will not provide me anything to help prove my case that this was not me. If I had more specifics I could file a policy report but I still do not receive.
Product: Credit reporting or other personal consumer reports

To whom this my concern, My name is XXXX XXXX and this is not a third party submitting this complaint.I am being taken advantage of by XXXX, Equifax and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Checking or savings account

PNC should be able to be linked to XXXX. PNC is a phenomenal bank with great structure, but this is something that shouldn't even be a problem. I switched banks due to relocation, but now I can't connect my XXXX account to my PNC bank ... ... ..bummer
Product: Checking or savings account

For the second time in 6 months my account has seen fraudulent activity. The previous times my account had money taken and I was told it appeared my checks were used by a person affiliated bank. My account was closed and a new account was opened and new cards issued. Then this week the same thing happened to my account. The bank lost another {$4200.00}. Again no one in the bank notified me of these fraudulent transactions, I noticed them in my account and contacted the bank. During the call I noticing XXXX  fraudulent checks pending, I asked them to stop the transactions and was told they would allow them to clear as the money in my account was already withdrawn. I was then told since its the weekend it will be another 2 days before the investigation will begin and it will take XXXX before I see any results or repayments. Since this account is used for paying bills I run the risk of over drafting as they did not freeze the account. No one seems willing or able to make this an urgent matter, protect the money still in my account or help me in a way where I am not out XXXX for the next few weeks.
Product: Vehicle loan or lease

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.