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

Pursuant to the laws set forth below, you : XXXX, TRANSUNION, and XXXX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : XXXX, TRANSUNION, and XXXX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 

Pursuant to : 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( 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. 
DocuSign Envelope ID : XXXX Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. 
( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Pursuant to the laws set forth ; I DID NOT GIVE YOU : XXXX, XXXX, AND TRANSUNION, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. I AM NOW SEEKING REMEDY FOR YOUR VIOLATIONS. IF WE ARE UNABLE TO AGREE ON THE REMEDIES SET FORTH I WILL SEEK JAIL TIME VIA FEDERAL COURTS FOR THESE VIOLATIONS. 

THESE VIOLATIONS.
Product: Credit reporting or other personal consumer reports

I recently applied for and was offered a job ( XX/XX/2024 ). The company that hired me, XXXX XXXX, has pushed my start date because of inaccurate information on my XXXX credit report. After nearly two weeks trying to obtain my report and attempting to speak with customer service about the supposed discrepancy with my Social Security Number, I was informed today ( XXXX ) that Capital One provided an incorrect SSN to XXXX. 

My wife and I previously spent months, from XXXX through XX/XX/2024, dealing with an unwarranted freeze that Capital One placed on our joint credit card immediately after we opened the account. They claimed that they were unable to verify my identity, even after I provided multiple copies ( by fax and postal mail ) of my Social Security card, Pennsylvania state ID, and green card. They never contacted us about the status of their inquiry -- instead, my wife had to call multiple times over those months just to ask about the status of the inquiry. We were never informed when the inquiry ended and our account was available for use again, nor were we informed that they provided an incorrect SSN to the credit agencies. 

This inaccuracy has now prevented me from starting a job that I have been offered. Without a resolution, I'm unsure of whether this job offer will expire.
Product: Credit card

At the beginning of XX/XX/XXXX, I received notification from Experian about an account that was added to my credit report as 60 days late. Upon speaking with Experian, I was informed that XXXX was reporting me two months late for an account ending in XXXX with a balance of {$7400.00}. 

I immediately contacted XXXX to find out more information about the account and was told : 1 ) The account was opened in XX/XX/XXXX XXXX ) The account was closed by XXXX for suspected fraud 3 ) There were no attempts to communicate about the account since XX/XX/XXXX. 
4 ) A fraud packet would be sent to me to sign and send back. 

I advised XXXX that a former employee was responsible for opening the account without my knowledge and that the former employee was currently incarcerated. I also advised XXXX that I was willing to pay for the balance owed, however the account was not utilized by me. 

I also informed the credit bureaus that the account was a fraudulent account and requested a dispute process to begin. Experian almost immediately removed the account from my credit report, however on XX/XX/XXXX it was placed back on my credit file as verified. 

I contacted XXXX again on XX/XX/XXXX to find out the status of the case as I have not received any documentation from XXXX as promised. A representative from XXXX let me know that XXXX determined the account as valid because there were payments made on the account from an account that was in my name and from a business account that I am the manager on. I advised the representative that there were multiple payments made from accounts at XXXX that were in my name and multiple disputes were filed with XXXX regarding other credit accounts where payments were made without my consent or knowledge. XXXX representative informed me that I did not send the requested documentation in to substantiate the case and as a result, they determined the account to be valid. 

However, I contacted Experian again and it was told to me that XXXX did receive the documentation as the bureaus sent it directly to them with the fraud dispute. XXXX received the FTC Affidavit and ignored it, told the bureaus that the account was valid and misrepresented the facts about having the documents to me. Their justification for verifying the account was based on them not receiving documentaiton however the credit bureaus sent the documents to them directly so they had them the entire time. 

I then spoke to another representative at XXXX who allowed me to make payment on the account to keep the account from reporting more late payments on my credit report, however I am not liable for the account..
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gotten access to my personal information, and it is wrecking my life and my credit.
Product: Money transfer, virtual currency, or money service

Someone got into my cash app account and sent themselves {$1000.00}. I requested a refund from that user that I do not recognize or have previous payment transactions with and he declined it. This was over Cashapp.
Product: Credit reporting or other personal consumer reports

The report is in regards to the company Affirm. 
Affirm falsely reports to your credit that you do not pay within the given time frame which is incorrect and false information. To clarify, as stated on their website while a charge is in the dispute process you are NOT allowed to make any sort of payments towards your balance. You can not make any payments until the dispute is fully resolved, which takes up to 60 days. This information is also stated via emails that the company Affirm emails over to you. However they still report to your credit that you failed to make payments while still NOT allowing you to make any payments whatsoever until 60 days are up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian via phone on XX/XX/XXXX called a rep by the name XXXX at ( XXXX ) XXXX regarding incorrect information on my report concerning XXXX XXXX XXXX. I left a message for XXXX and as of today I received no call back or response. 

According to records and XXXX XXXX XXXX customer service the account went delinquent with no interaction XXXX. XXXX has is reported on my report that it went delinquent XX/XX/XXXX which incorrect according to the customer service notes which is an error.As a result of the incorrect information this account should've feel off my credit report this month of XX/XX/XXXX being the account is XXXX XXXX XXXX.
Product: Mortgage

Had insurance through escrow but they started adding fees on saying I needed to pay insurance through them. They raised my mortgage pmts to double and I can not afford that.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to ongoing errors and violations in the reporting of my AMEX account ending in XXXX. I have been disputing these inaccuracies for over five months with both AMEX and the credit reporting agencies, yet no corrections have been made. These errors are causing severe damage to my credit score and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The account Start Date and Last Reported Date are shown as XX/XX/year>XXXX  and XX/XX/year>. These are future dates and are impossible, violating the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ). 
Inconsistent Account Status : The account reflects a {$0.00} balance and is marked as Closed/Paid, yet it is still reported as Negative. This contradiction unfairly damages my credit profile. 
Failure to Correct Disputed Information : Despite multiple disputes over the past five months, AMEX has failed to correct these inaccuracies within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This constitutes a failure to fulfill their legal duty to ensure the accuracy of the information they furnish. 
My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file. 
Have disputed information investigated and corrected within 30 days. 
Hold furnishers accountable for reporting inaccurate information ( Section 623 ). 
AMEX 's failure to correct these errors is a clear violation of my rights and has caused me significant harm.
Product: Vehicle loan or lease

I purchased a used vehicle in XX/XX/2022. I mistakenly thought my first payment to Westlake Financial was in XXXX, however, it was due XX/XX/2022. Without any telephone, e-mail, text messages or regular postal service communication they repossessed the vehicle within ten days past the due date. I not ever given any opportunity to quickly rectify this before they took such drastic actions.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment on Credit Report - Reference : XXXX  XXXX XXXXXXXX XXXX  Loan # XXXX To Whom It May Concern, I am writing to formally dispute a late payment that has been reported on my credit report, specifically referring to the Fair Credit Reporting Act ( FCRA ). This late payment, as reported by XXXX, was allegedly associated with my account with XXXX XXXX XXXX XXXX, and it is having a detrimental impact on my creditworthiness. 

On XX/XX/2023, I diligently mailed my mortgage payment check in the amount of {$1000.00} to Bank XXXX XXXX Mortgage, which was due on XX/XX/2023. The payment was dispatched through the United States Postal Service ( XXXX ). On XX/XX/2023, I proactively contacted Bank XXXX XXXX Mortgage to confirm the receipt of my payment. During this conversation, the representative acknowledged that my payment had indeed been received ; however, they failed to mention any processing delays or the length of time it would take for the payment to be reflected on my account. 
My assumption was that, given the confirmation of receipt, the payment would be promptly credited to my account. Moreover, XXXX XXXX XXXX XXXX XXXXs payment instructions explicitly state, " To ensure your payment is credited on the date of receipt ... '' which led me to believe that any delay in processing was not my responsibility but theirs. 

In accordance with the information provided, my check should have reached XXXX XXXX XXXX XXXX  's mailbox no later than XXXX, XX/XX/2023. The discrepancy arises from the fact that the 30-day late mark on my credit report was applied due to the payment 's processing date, not its actual receipt. 

In an effort to resolve this matter, I have previously requested documented proof from XXXX XXXX XXXX XXXX regarding the date of receipt of my payment. Regrettably, my request was met with refusal, and they have failed to provide any such evidence. 

By reporting inaccurate credit information, XXXX XXXX XXXX XXXX appears to be in violation of the Fair Credit Reporting Act, which is intended to ensure the accuracy of credit reports. It is apparent that the late payment notation is unfounded and damaging my creditworthiness. This situation has already resulted in tangible financial losses for me. 

In light of these circumstances, I respectfully request that the credit bureau promptly conducts an investigation into this dispute and, if found in my favor, removes the late payment from my credit report. Failure to do so would not only constitute a violation of the FCRA but also prompt me to consider legal action to protect my rights and seek redress for the damages inflicted upon me due to the unprovable, unvalidated, and inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I have Bankruptcy reporting on my credit that does not belong to me and is not attached under my name and ssn, I would like them deleted from my credit profile immediately due to my rights fcra. I will include documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled 5 accounts 2 XXXX 1 XXXX XXXX 1 XXXX XXXX 1 XXXX XXXX I continue to submit information to Experian online. Along with documents of settlements and payment being received on XX/XX/2019. The if information has not been removed from my credit report. 

Also. The XXXX XXXX Card Account belongs to XXXX. My initials are XXXX.. The has an account in which they sold to XXXX XXXX XXXX. They are saying {$4000.00} was written off & I still owe {$1800.00} the Amount owed continues to increase. I dont understand how this is possible. XXXX XXXX XXXX  can not be reached. XXXX removed the account but Experian is not attempting to investigate even though I provided information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MB FIN SVCS XXXX Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I received a letter from this company saying that they closed my two credit cards accounts because the payments for these accounts wasnt being processed by my financial institution that was in XX/XX/year>! I was only contacted by mail once by them stating my accounts were closed for nonpayment!! No phone calls never made by them to me to see what the problem was!! I had to check with my financial institution to see what was going after the letter came into my mail box and found out that my financial institution update changed my account number so the payments wasnt processed because of bad numbers!! I contacted the company in XX/XX/XXXX and they was rude to me then after asking for a supervisor and then hang up on me. I called the company back on XXXX XXXX and I was contacted to the fraud department to a lady name XXXX number XXXX she told me to bring up my payments on both of my accounts and they would reopen the account after the payment was processed and I had to call them back and I greed to this I made payments on the XX/XX/XXXX and a payment XXXX of XXXX and I called them back on the XXXX of XX/XX/year> to have them reopen!! Then I was pasted around to three people and the last one was a supervisor and she told me that the accounts are permanently closed and that they will not reopen the accounts at all and I requested her to write these accounts off or reopen them and I would pay them off if they wouldnt reopen them I wouldnt pay another payment to them to write them off and she became very angry and tried to blame me for something that I didnt have any control of!!
Product: Credit card

I accepted an airport offer from American Express in XX/XX/XXXX to earn XXXX bonus miles and a {$50.00} statement credit if I made qualifying purchases within the first three months. I did so, paid my bill in full promptly - but never got the promised miles or credit. The reason? I held the card in XX/XX/XXXX ( which, of course, I do not even remember ). Sneaky marketing. Exhausting to read through all the fine print. Alot of wasted time on my part trying to pursue an offer I could never really get.
Product: Credit card

On XX/XX/2024, I discovered fraudulent activity on my credit report involving accounts purportedly associated with JPMCB Card Chase Bank. These accounts were opened without my knowledge or consent, indicating potential identity theft. 

Upon noticing these discrepancies, I immediately took action by contacting the credit reporting agency to dispute the fraudulent accounts. I provided detailed information regarding the accounts in question, including their names, account numbers, and associated dates. 

Furthermore, I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ) to address this issue. I have provided supporting documentation, such as an identity theft report from FTC.GOV, to substantiate my claim of identity theft and request the removal of these fraudulent accounts from my credit report. 

Despite my efforts, the fraudulent accounts remain on my credit report, adversely affecting my creditworthiness and financial standing. As a consumer, I am entitled to accurate reporting of information on my credit file, as mandated by relevant sections of the United States Code, Title 15. 

I seek a swift resolution to this matter and request the immediate removal of the fraudulent accounts from my credit report in accordance with the FCRA and applicable federal regulations. 

Thank you for your attention to this urgent matter. I look forward to a prompt and satisfactory resolution.
Product: Vehicle loan or lease

the account was open XX/XX/XXXX the original amount {$13.00}, XXXX this account is supposed to be charged off on XX/XX/XXXX the lender was only to us me a creditor at the time causing my credit score drop. if you can please remove lender from my credit.
Product: Vehicle loan or lease

Re Hyundai Finance. I returned my lease car at end of lease. I was given the final amount owed to complete the lease end. I paid {$1300.00} by credit card XX/XX/2020. Later I was informed by letter an adjustment was made to my account and created a refund due me in the amount of {$650.00}. 

I have called Hyundai Finance 8 times to obtain my refund. The customer service agrees Im owed a refund but its handled by payment processing department. However each time Im told they cant transfer me to that department and had no phone number to reach the department. Further they deny request to speak with a supervisor stating Supervisors dont take calls. 

Can you help me get the money owed to me? I appreciate your help, thank you XXXX
Product: Student loan

Under the Covid-19 relief program for student loans, interest was to be waived for a certain period of time. When I called my servicer, they said even though i have Federal Stafford loans, which is what I applied for and received, the actual funds were provided by outside investors to the Federal Government. I didn't apply for, nor receive private loans, except for one small Grad Plus loan. All other loans are Federal loans. How can a borrower be penalized for the source of funds of his or her Federal loans? None of that was disclosed to me at time of application for my Federal loans. I would like all my interest waived for my Federal loans for the specified period of government relief. I only ask for what the relief program dictates ... .nothing more or nothing less
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  XXXX XXXX : {$0.00}