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

15 U.S. Code 1681- Congressional findings and statement of purpose 1

) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Made a deposit XX/XX/2020 {$420.00} Funds are still on hold as of XX/XX/2020 Bank refuses to lift the hold.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, are in violation! I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law Equifax and XXXX are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

I tried applying for the PayPal Cashback Mastercard on XX/XX/2023 and twice on XX/XX/2023. All three applications were denied and I was given a reason of " unable to access your credit bureau file due to a freeze '' by letter while all three bureau files were unfrozen at the time of application.
Product: Mortgage

I had hail damage to my roof to due a hail storm. I have been trying to get a check endorsed by the Cornerstone Mortgage for 2 week. They are forcing me to wait on an inspection and now that the inspection is complete they want me to wait another 5 business days to have the check endorsed and returned. The work has been completed and the contractor has been waiting on payment for almost 3 weeks. They refuse to escalate the issue and are frankly not worried about the timeliness of their customer 's payments to their contractors.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS ANOTHER FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORTS THAT NEED TO BE REMOVED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 XXXXXXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to inform you that my wallet was lost or stolen and my identity XXXX have been compromised. I believe it is linked to an incident that occurred several years ago at the airport in XXXX XXXX around XX/XX/year> I lost my wallet and luggage at the airport. My wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity fraud. I have taken steps to protect my identity, such as filing a police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity. 
Thank you for your attention to this matter I am willing to prosecute.
Product: Debt collection

Received a notice today from XXXX  with a " account number '' and a request to settle a debt of $ XXXX for $ XXXX. Alleged debt is from XXXX. I have never received a required VOD notice under the FDCPA, XXXX XXXX letter gives you no options to dispute the debt and their tactics are very deceptive and abusive. On the back of the alleged account statement in fine print is the following notice " The law limits how long you can be sued on a debt. Because of the age of your debt USI Solutions Inc can not sue you for it and this debt can not be reported to any credit reporting agency. XXXX XXXX, XXXX can not sue you on this debt and XXXX XXXX, XXXX can not report this debt to any credit reporting agency. '' This notice is clearly a UDAAP violation. Also I have no idea who USI Solutions is and again have never received a VOD notice. Recommend the Bureau send this to Enforcement and bring an action against both companies. Also recommend the Bureau  continue their work on Reg. F, which will help fix these predatory tactics. Finally XXXX and USI Solutions ( whoever they are ) must cease and desist all communications with me as I do not owe this debt, do not know this debt and do not know these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit agencies refuse to remove an account that over 7 years old,  also the court documentation has been submitted that the case was dismissed
Product: Credit card

On XX/XX/21 I made my scheduled {$30.00} payment to Synchrony Bank/ Carecredit XXXX It was confirmed by my bank XXXX XXXX that the amount was drafted and successfully paid out. Carecredit sent me notice on XXXX the payment returned as insufficient funds and that was not correct. I submitted multiple proofs that the funds were received on their end and even got a manager that confirmed they received my payment. They closed my CareCredit account anyways and said there were somehow 2 payments made that day but I never authorized 2. They have not been able to give me evidence of 2 payments and one being returned.
Product: Vehicle loan or lease

Auto lease was purchased by BMO from Bank of the West. As I attempted to make my normal monthly payments, BMO was unable to locate our ( co owner is XXXX XXXX ) account. After I tried through the automated system which was our normal monthly practice, I was unsuccessful as the system couldnt locate the account. I had called customer service. They couldnt locate our account and said they would look into this and have someone get back to me, even asking if Im sure the account is with BMO. This was in XXXX. My last payment to Bank of the West was XXXX. After a couple weeks at no return call from BMO, I reached out again. I got the same response from customer service and again, waiting for someone to call me back. Another couple weeks go by and now we need to escalate this because we dont want any dings on our credit. This time I called several different numbers with BMO and asked for higher ups to help get us some answers and was referred to the collections department who was able to locate our account but why was it in Collections? After speaking a few times with someone the collections department we finally got a PO to mail an actual check to, since BMO is not set up to service lease accounts and we couldnt make our payments online or over the phone. So we started sending checks but continued to ask that the situation with our account get fixed as we had no way to track our account or even follow up to verify our payments were being credited, properly. After many unanswered attempts to contact the only person in the company that seemed to be able to find our account ( the COLLECTIONS department ), I was frustrated that our calls and emails were not being answered any more and no way to track our payments and our credit scores have both plummeted. I am running out of room to continue this but the summary is. Our payments were not credited. Our account has been charged off and sent to recovery. Credit scores lost over XXXX points. Still not resolved.
Product: Debt collection

This company calls me multiple times a day using different phone numbers. This has be going on since XX/XX/year> and still continues to this present day.
Product: Consumer Loan

I am currently looking to purchase a new truck. I am very interested in a XXXX XXXX pickup. So while I was researching XXXX trucks, I applied for an auto loan clicking on the " Apply for Credit '' link from XXXX which lead to Chrysler Capital. On the Chrysler Capital website, words were stated that made me believe that I could get approved for a loan by submitting my information. I have always thought that after an auto financier approved me for a loan they would disclose all of the terms of the loan. After submitting my application, I received a " pre-approval '' of {$58000.00}. However, nowhere on the document did it state the APR or Length of XXXX. I called Chrysler Capital and was told that this was information that the dealer would disclose to me. Why is that??? I applied with Chrysler Capital. I feel that Chrysler Capital and the Dealer are in collusion to charge me an excess amount of interest on my loan, and pressure me into buying undesired financial products. I truly feel that I was taken advantage of here. Chrysler Capital asked me to submit my personal and private information by luring me with their offering of loan approval. But after said loan approval, Chrysler Capital is refusing to fully disclosing the terms of said loan. 

I will advise everyone to avoid Chrysler Capital and apply to a full disclosure bank for your auto financing.
Product: Credit reporting or other personal consumer reports

I want hard inquiries deleted off my transunion credit report. I did not give anyone permissible purpose to run my credit reports, can you be so kind to remove them from credit report. EVERY INQUIRY THAT IS NOT TIED TO AN ACCOUNT WAS NOT AUTHORIZED BY ME, I DID NOT SIGN FOR THEM! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing for a Chapter XXXX bankruptcy pro se on XX/XX/XXXX, I consulted with a bankruptcy attorney, XXXX XXXX of XXXX, NH, to help me. I was advised it would not be in my best interest to proceed with the bankruptcy, and I should immediately file a motion to dismiss the petition. On XX/XX/XXXX, Attorney XXXX filed a Motion to Dismiss, and Chief Bankruptcy Judge XXXX XXXX XXXX granted the Motion on the same day. During this time, I continued to pay my monthly bill to Synchrony Bank/XXXX 's from my own personal checking account. Needless to say, the various credit bureaus began reporting the bankruptcy petition and I soon noticed the information being posted from Synchrony Bank/XXXX 's was incorrect. After repeated attempts to show I am not in bankruptcy and that all scheduled monthly payments to them were being made, Synchrony Bank has made little or no effort to send the correct information to the credit bureaus. Now it appears my account may have been sent to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Checking or savings account

On XX/XX/2024 I went to Chase Bank to open my XXXX  bank account and met with banker, XXXX XXXX at Chase location : XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX XXXX asked for XXXX forms of ID 's which I was able to provide my Social Security Card and my Identification Card. 

However, when XXXX input my SSN into the system another name came up that had a bank account already with my number. I was told I was unable to open a bank account because of this. I asked for information on this person, how long the account had been opened and if we could close the account, since I had proof that the SSN belonged to me but I was unsuccessful. I was told to make a report with the police, identity theft and with Consumer Finance.

These are the steps that I'm currently taking.

I'm shocked that someone could open a bank account with my SSN when they need XXXX forms of ID. I'm even more shocked that I had proof of my identity and I couldn't close this persons account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Good morning ; I have noticed identity theft someone with my same name used my information to a company I never herd of SCHEER , GREEN & BURKE CO. L.P.A and I am letting them know that I have identy theft and to not use my Information in my credit report. I contact the credit Berau to let them know that they can not or they are not allow to report something that is false to any credit berau without my consent I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and having negative item in there. damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putting in there. I am scare that they will keep using my information more things please need help. is fraud what this company is doing by using my private information to report someone elses debt. I never signed or did any contract I demand that they proof a signature with my name on it and stop harrassing me sending mail or calling me. I asked them please to stop because I will have to take them to court for failing to comply with federal law. I cant open a mail is not mine so please do not use my information to report anything without a wet signature of mine.
Product: Consumer Loan

I had a car loan with consumer portfolio services I got behind on the payments and talked to them about it. They told me that they would work with me and I could defer 1 payment so we did that I thought, they never deferred the payment. I thought it was done. XX/XX/2016 they repossessed my car.I had a lot of personal things in the car. THey would not and still will not tell me where my personal belongings are. I have called email left messages no response.I call get voice mail they call back at a time I specifically tell them I will not be available and leave messages like I wasted their time having them call me. I have a list that was sent to them several times of everything in the car and no response I 'm sure my things are long gone by now but there was personal mail with personal info on it too. I think they should replace my things and if they are gone compensate me for my belongings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't move forward with my life with these unverified accounts. Something needs to be done.