23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX - Has violated my rights XXXX  XXXX -Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights XXXX XXXXXXXX XXXX - {$0.00} - Date Opened XX/XX/XXXX -Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX - Has violated my rights XXXX XXXX Has violated my rights XXXX XXXXXXXX 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 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: Credit card or prepaid card

On XX/XX/XXXX, I went to get my hair highlighted at XXXX XXXX. I asked for blonde highlights   on my natural brown hair. Bottom line, they turned out orange. I was charged {$110.00}. Granted, I left without getting blown dry because I had to be at work. The hairdresser ran a half hour behind my appointment time, which I understand things happen, but it was a rushed job and highlights/ color on long hair can not be rushed. Anyway, the front of my hair looked blonde and pretty, however, the back of it was all orange. I had not noticed that until I got home after work that day. I called the Salon to reschedule another appointment to get it fixed. I went back on XX/XX/XXXXand was charged another {$60.00}. It still was orangey. I ended up going to a different salon ( XXXX XXXX XXXX  XXXX XXXX ) on XX/XX/XXXX and spending another {$130.00}. After not one, but TWO hair stylists  at XXXX took a very good look at my hair, they found pieces that were bleeding, unevenly distributed highlights, color tone that was off and as mentioned, a ton of orange pieces. I was told I had a good 8 hours of work needed to fix my hair!! HSBC is giving me a hard time disputing BOTH charges. They reversed the {$60.00}, but not the initial charge of {$110.00}. Obviously I was not happy with the results because I went to a different salon so why am I still being charged?? I have tried to attach a letter from HSBC refusing to credit the {$110.00}, and I also have a letter from XXXX   explaining why it should be credited and the amount of work needed to fix it, however I am having problems uploading it on here. I will definitely mail both documents in to be reviewed. 
Thank you.
Product: Credit reporting or other personal consumer reports

Alleged Derogatory Late payments, Charge Offs and Utilization deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and / or civil rights, making you liable up on my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least {$1000.00} + per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information obtained from Experian My former address has wrong dates
Product: Debt collection

This is a monthly rental we signed contact for 1 year. When the contract was over I called the owner first time 35 days before end of contract and then twice 30 days which is required per terms of contract. I spoke with the owner and he was/is still very mad because my truck left ruts in his freshly paved parking lot. And he told me where to park. The owner of course said I never called him about leaving when I called 3 times o my to get his voicemail every time he also claims we left stain on concrete floor? We did no such thing
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX : {$4400.00} XXXXXXXX XXXX  XXXX XXXX : {$5700.00}
Product: Credit card or prepaid card

I have received two notifications from two different credit card companies, denying credit cards to a XXXX XXXX at my address. One is for Chase and the other is XXXX. There has never been anyone at my address by that name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

In XXXX of 2019 my wife XXXX and I purchased a XXXX XXXX XXXX and also opted in for the extended warranty. Within two weeks we decided to cancel the extended warranty which was within the timeframe to do so and filled out the paperwork with the dealer. In XXXX we had seen no credit applied to our loan and contacted the dealer. We found out that the extended warranty was still active and that no action had been taken. We complained to the dealer who contacted XXXX XXXX XXXX to find out what the hold up was. Now it's XXXX and when we checked back on this the extended warranty is still active and no refund has been issued. The full price for the extended warranty is {$3800.00} which is what we are due to be refunded, unfortunately these depreciate over time which means that this warranty is worth less now than it was when we cancelled it. We would like the full refund due.
Product: Debt collection

I received a debit collection letter from Jefferson Capital Systems LLC on behalf of XXXX for XXXX on XX/XX/XXXX. 

I called XX/XX/XXXX to find out more information as I do not have an outstanding debit. 

I provided the JCS reference number on the sheet, my name, and then the customer service rep asked me for the last four of my social security number. I refused and he stated it is apart of the verification process, I refused and he proceeded to ask me to confirm my social and I hung up the line. 

Jefferson Capital Systems LLC XXXX # XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor has not updated the information nor has provided proof, or documentation in regards to any late payments. They have not supplied this information and they must delete the alleged payments on my credit report. 

Under 15 USC 1666b, Timing of Payments, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. Also 15 USC 1681e - compliance procedures, which clearly states maximum possible accuracy.
Product: Bank account or service

Recently Key Bank acquired many of the facilities and accounts of 1st Niagara Bank. In communications from both 1st Niagara and Key Bank, customers were told that no change would take place, that we would continue with the same accounts : the account numbers would remain the same, we could use our 1st Niagara Checks, etc. We were also told that we could continue to use our ATM cards and ATM passwords. 
I am XXXX of those 1st Niagara customers that was " sold '' to Key Bank. Other than some initial problems getting Internet access to my accounts, things seemed to be going OK. Yesterday I received my XXXX statement for my checking account. On that statement I noted a {$1.00} fee for a " KEYMONEY ATM CARD FEE ''. I e-mailed the bank about this and was informed that this was because I did not have a Key Bank Debt card ( which Key bank apparently has designated as " their '' ATM card ). So unless I get a Debt card ( which I prefer not to do as such cards do not have the consumer protections that credit cards do ) I will have to pay a monthly fee to access my account via an ATM The bank also told me that this fee was disclosed in a XXXX page Consumer Disclosure Booklet. So apparently earlier statements to the effect that we 1st Niagara customers could continue as usual were not truthful. 
As a minimum, Key bank should continue to honor the 1st Niagara ATM cards with no additional fees.
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent information on my report. Company was notified via priority mail & sent copies of the FTC report listing these inquiries as fraudulent, yet they still continue to furnish the fraudulent information. This is a direct violation of USC 1681 & USC 1666. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, 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 XXXX Balance : {$310.00}, XXXX XXXX XXXXXXXX Balance : {$130.00}, XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> I have been sending letters to Equifax to remove hard inquiries on my credit report coming from XXXX XXXX and XXXX that I have not authorized. I have also utilized the services of the Consumer Financial Protection Bureau ( CFPB ) to help me resolve this. All attempts have been unsuccessful. Most recently there is yet another hard inquiry on my credit file from XXXX XXXX XXXX. I have called XXXX XXXX and XXXX to report this as fraudulent. As a result, XXXX XXXX and XXXX sent updated information to the credit reporting agencies for them to remove those accounts from my credit file ( I have attached proof of this ). I have spent money sending Equifax certified mail with a copy of those letters to show proof and yet Equifax does not remove the hard inquiries. I do not have any accounts and have never requested any credit from XXXX XXXX or XXXX and the proof is here once again to immediately remove those hard inquiries from my file. 
Equifax has significantly held me back from pursuing my goals of purchasing a house because they keep lowering my score and adding hard inquiries that do not belong to me. I had to immediately put a freeze on my Equifax credit file because of this. Attached I have included the letters from XXXX XXXX and XXXX, receipts of certified mail, the hard inquiries showing on my Equifax credit file, and the credit score that Equifax has for me which has completely affected me unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unverified items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I am filing a complaint under FCRA and Fair credit and billing act. I would like to see full validation and what the company right to collect on these accounts. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on myXXXX XXXXredit reports : XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX
Product: Debt collection

I have submitted three complaints XXXX, XXXX, XXXX and collector response was not a resolve to the issue to remove this debt from all credit bureaus. The collector stated it would remove once investigation was done and results were provided which is not needed. The collector has been aware of the fact by certified mail that the XXXX at XXXX were in litigation over this matter and has received dispute letters, court documents, and final decision then filed this fraudulent debt to all credit bureaus knowingly. No investigation is needed because the lakes at crossbridge has never provided collector with any valid information to support debt and since it was in litigation it should have never been filed originally anyway. This debt should be removed from credit reports immediately and is defamation of character as well as fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Information is Attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try & try over the for years to get the the credit bureaus to remove stuff from my credit report but they refuse.I see things such as XXXX XXXX # XXXX & XXXX # XXXX & XXXX XXXX again # 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
Product: Credit reporting or other personal consumer reports

In accordance with the the FCRA XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer report in agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may NOT treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've had an account open with Conns Credit Co since XX/XX/XXXX that is showing as delinquent since XX/XX/XXXX as delinquent. However, there has never been a missed payment on the account. 

The company acknowledges an accounting error, and after months and months of contacting them to rectify it, nothing has occurred. They have exhaustive notes in my file of the situation and repeated calls as well. 

I am still paying on the account and are not reflecting those payments. 

The account is inaccurately reporting to show a balance of {$2800.00} and are offering a settlement offer of {$1200.00} as if the account is charged off.
Product: Credit card

On XX/XX/XXXX, I received four emails notifying me that my American Express cards were being canceled. No explanation was provided in the email. I had to call AMEX for an explanation letter. I received a letter dated XX/XX/XXXX, suggesting that my accounts were closed due to abuse of billing errors. I never abused the billing error process. When I contacted AMEX regarding billing errors via phone or chat online, I had the assistance of representatives aiding me with filing a dispute for the vendor to pay. My account was credited at times when I only wanted the vendor to credit the account through an investigation. AMEX can review the online chats and telephone conversations. 

On XX/XX/XXXX, I received a letter apologizing to me for failing to dispute a charge. The charge was credited to my account along with interest and other credit adjustments.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, XXXX and XXXX. Specifically, all entities have failed to add a notice of dispute to my credit file, despite my submission of certified disputes in XXXX and XX/XX/XXXX. 



The FCRA, under Section 611 ( a ) ( XXXX ), requires credit reporting agencies and furnishers to add a notice of dispute to a consumers credit file when a consumer disputes the accuracy of information. This obligation applies to both TransUnion XXXX XXXX, as a credit reporting agency, and XXXX, as the furnisher of information. 



Timeline of Events : XXXX. XX/XX/XXXX : I sent a certified dispute letter to TransUnion and XXXX Credit Card disputing the accuracy of information on my credit file. XXXX XXXX. XX/XX/XXXX : I sent a follow-up certified dispute to ensure receipt and acknowledgment of my previous request. XXXX XXXX. XX/XX/XXXX : Upon reviewing my credit file, I found that neither TransUnion, XXXX, nor XXXX  Credit Card had added a notice of dispute to the information in question. 



Violations : TransUnion & XXXX : Failure to update my credit file with the required notice of dispute as mandated under the FCRA. 

XXXX : Failure to report the information as disputed to TransUnion after being formally notified of the dispute. 



Impact : The lack of a notice of dispute misrepresents the status of my credit information and has caused harm to my financial reputation. Additionally, it undermines my ability to resolve inaccuracies within my credit report in a fair and timely manner.
Product: Bank account or service

My CITIBANK Checking Account is consistently showing systematic daily posting of debit card transactions in a descending order after they are pending for 3-5 business days. Transactions are re-ordered with the largest coming out first, then gradually the smaller ones last. This practice has been making it extremely difficult to balance my account and avoid overdraft fees. This happened before with XXXX XXXX XXXX. I asked XXXX supervisors in the customer service department, and they refused to answer my question as to why this pattern has taken place every day for at least the most recent 6 months of my transaction history. I suspect this practice has taken place since the inception of my checking account with CITIBANK. The bank also withholds my deposit funds for far too long.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I called Synchrony Bank today to try to resolve this issue. I asked to speak with a XXXX XXXXXXXX. I am being required to make a much larger minimum payment than usual because of the transaction dates of when my payments were processed. 

I purchased a XXXX XXXX bed and accessories on XX/XX/XXXX. The bed was not in stock and delivered until XX/XX/XXXX. My first payment was due on XX/XX/XXXX. A payment was made on XX/XX/XXXX. Since then I have consistently made monthly payments and on several months I have made multiple payments in a month. Some in upwards of {$1000.00}. I was told by the sales associate that as long as I made at least the minimum per month I would not be charged any fees. That has not been the case. I have read through the fine print on my statement and I do see that a minimum payment must be made by the due date but I have not been able to find where a payment must be made after a certain date to count for the next month. I find it shameful that because my XXXX payment that was made during a particular month was processed on the XXXX instead of the XXXX that it would not count as a payment for the next month. I precisely made an additional payment after receiving a paycheck so I could remain ahead so I would not incur any late fees. Payment dates include XX/XX/XXXX for a XXXX payment and then a payment on XX/XX/XXXX for XXXX. Instead I was charged {$41.00} for essentially being XXXX day early. The XXXX payment was due on XX/XX/XXXX. I made a payment for XXXX on XX/XX/XXXX. Simply because I was XXXX  day early XXXX month I was considered late every month thereafter. It is extremely challenging to make sure that the mail is delivered and that they process payments specifically on the correct day. It shouldnt be so difficult for consumers to understand these billing practices. Billion dollar companies like Synchrony shouldnt be allowed to use such deceptive practices. If I would have only made the average minimum payment of {$180.00} per month that amount equals to {$2100.00} in 12 months. I have made over {$4000.00} in payments in the last XXXX  months with no further purchases. It is unreal to me why companies like Synchrony choose to treat consumers this way. Truly confusing and unfair to the average consumer!!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation to dispute information on credit report, leaving inaccurate information unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian. alleging systemic issues such as failing to forward consumer provided evidence. These failures align with my experience, where Experian has neither corrected nor removed.
Product: Debt collection

I owned a credit card from XXXX XXXX XXXX that I defaulted on. The account was closed by XXXX on XXXX XXXX, XXXX. Since then, I have been steadily contacted to the point of harassment by Main Street Acquisition Corp, represented by XXXX XXXX XXXX. XX/XX/XXXX, I was served with court papers to which I responded noting their lack of proof of the debt as well as my inability to pay. Over the ensuing three years, I 've been asked to produce documents relating to the debt that XXXX would 've provided them if they 'd bought the debt. Furthermore, there is no record on my credit report of XXXX selling the debt to Main Street. They have now obtained a court date for this case. As the debt is now five years old, I am sure this is inappropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank XXXX XXXX XXXX reporting to my credit accounts My identity was stolen in 2020. I filed a report with the police in XXXX XXXX, GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report a collection account as fraud. The company did no investigation and sided with the debt collector. With no proof debt was owed or it was me that made the charge.