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

On XX/XX/23 I contacted Mercedes Benz financial and spoke with a Level 3 representative and requested a payment extension for my XXXX payment which was due on XX/XX/23. On that day I paid {$160.00} to cover the extension fee required to process the extension and gave the representative all information requested from me. When the call ended, I received a receipt for my payment and was told by the representative that my extension was processed. I logged into my account on XX/XX/23 to find out that my extension was never processed. I called customer service again and spoke with a new representative who told me that my extension was never processed by the first representative. She said that I needed to sign a form, and I advised her that no form was sent to me to complete regarding the extension and I was not informed that a form was needed. She initiated the process to have the form resent to me on XX/XX/23. I received the necessary form on XX/XX/23 completed it and returned it the same day. I completed everything required of me by the first representative to process my extension, but due to his lack of follow-through, my XXXX payment was reported 30 days late to the credit bureau in XXXX. I do not feel that I should be penalized because he did not do his job. I am requesting that my credit report be corrected and the late payment be removed from all three bureaus. I have contacted Mercedes Benz as well through their complaint process and this was not resolved.
Product: Credit card or prepaid card

I woke up on XX/XX/2021 to see that my BOA credit card has multiple charges of online orders from XXXX. I logged into my walmart account and discovered that multiple charges for online gift cards were fraudulently made on my account. 
On XXXX XXXX, 2021, I notified BOA XXXX Bank of America XXXX by filling an online dispute that I did not make the charges and need my card cancelled immediately ( Please see attached document to see that complaint was made on time ). By XX/XX/XXXX, I got a notification from BOA that the fraud claim has been resolved ( See attached document Document ). 
XXXX also sent me a notification that their fraud department discovered that activities on my account relating to the gift card were deemed fraudulent and cancelled. Later, I discovered that XXXX did not do their due diligence and cancel all the cards. 
I was surprised to get a notification from BOA on XXXX and XXXX of XX/XX/2021 that they got notification from XXXX that I did receive the gift cards and the charges were been reinstated. 
I contacted Bank of America and XXXX. On XX/XX/XXXX, I spoke with a representative from XXXX called XXXX who said the cards were shipped to my home from the local store and that I received the cards. I told her that this is not true as we did not receive any card and my online account ( please see attachment ) showed that XXXX did not ship the cards as it currently shows delayed. XXXX then notified the fraud unit of XXXX and said they will get back to me within 48 hours. 
XXXX got back to me on XX/XX/2021 and indicated that they I did receive the cards. The lady then went on to explain to me that scammers probably got my email password and then reset my XXXX account ( this did not happen as my email password change is 2 step authentication that includes a code that comes to my cell phone. Also, my XXXX password was never changed ). She indicated that the scammers probably deleted the email after downloading the card as the cards were delivered by email. I told her that XXXX told me that based on the information in the system, it was shipped to my home. She said the latest information is that it was delivered to my email address. I also reiterated to her that my online account showed that its being delayed and its being shipped to store. Regardless, she said I have the gift cards and there is nothing they can do. Shortly after discussing with her, an email from XXXX came in indicating an order fulfillment for a {$100.00} gift card from XX/XX/XXXX ( see attached email ). 
Overall, my online account showed that the cards were not delivered and I reported it in time for them to cancel the cards but they did not. I reported to Bank of America in a timely fashion and the XXXX liability protection per the card agreement/contract is not being honored as BOA is insisting I pay {$1000.00} ( the cost of 10 cards that were not cancelled by XXXX even though XXXX system picked up the transaction as fraudulent )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXXXXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX account XXXX finance on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy. 

In accordance with the fair credit reporting act XXXX account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX # XXXX ( XXXX 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.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX XXXX 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 as 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: Debt collection

I don't no who Jefferson capital  XXXX is that has nothing to do with me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account ( XXXX ), XXXX account # XXXX, XXXX XXXX account type other ( collection ), XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXXXXXX account # XXXX, violates 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 : States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Synchrony Bank updated its payment system recently and my payment card defaulted to an old closed account and when I resubmitted, it did the same thing. I had ample funds in my account to cover any payment. It was only when I went to process a third time that I saw the bank account was defaulting to the closed account. 

I attempted to contact Synchrony Bank and became frustrated as their phone tree and wait times are exceptionally long. When I finally reached a person I explained that their system was billing incorrectly and I had confirmation numbers and bank records to back up what I was saying. The agents just kept repeating that since there was returned payments the account was automatically closed and offered no recourse to a higher level without additional long wait times which seemed intended to discourage rather than resolve. There was no attempt to understand or accept that there could be an error on their behalf. I see from other recent complaints that my experience is not an exception and there was probably harm done to a broad swath of people with their unilateral decision to close a certain class of accounts which may well be in good standing due to a systemic error on Synchrony Bank 's behalf. 

What is more egregious is that after processing my payment which was twice the minimum amount due, and charging me a {$30.00} late fee, they closed my account which had never been late the following day. I have still not received any formal communication from Synchrony Bank and my attempts to have my account reinstated have been met with unhelpful rote citation of company policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have right to privacy.

15 USC 1681 section 604 A section 2 : It also states on a consumer rights furnished account without my written instructions.

15 USC 1666B a credit may not treat a payment on a credit card and open-end consumer credit plan as late for any purpose.
Product: Debt collection

Debt collection CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX No info provided to verify debt. Item place on credit report on XXXX with out my knowledge. Disputed with collection the credit bureau. Account stillto not verified
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Sec. 604. 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. 

I also do not have a contract with the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not provide me with the original application, I also asked for a wet-ink signature under the penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have a right to privacy.

They're reporting inaccurate information without my consent.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Student loan

I was wowed and tricked into attending this school by unfair practices the recruiters made. They painted this picture of state of the art equipment and other " bells and whistles '' the school allegedly had. Once there I was told I needed loans to pay for tuition. Initially I did n't qualify for these private loans. The financial aid advisor told me " do n't worry we 'll find a way '' this " way '' came at the cost of private loans through a company called XXXX now XXXX XXXX XXXX. I am now in debt XXXX dollars and ca n't afford to make payments. This loan in my eyes was textbook predatory lending. I was mislead and not informed of what the end costs would be and now I am very behind and overwhelmed with this lender. What can I do? Is there any relief?
Product: Debt collection

I was not contacted by the company NATIONAL CREDIT ADJUSTERS about this collection that was recently added to my credit report for {$470.00} This account was removed from my credit earlier this year due to incorrect reporting from a different debt collector. This account is also past the statue of limitations in Nevada. The data on this account is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit report and noticed a charge - off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that was charged - off in XX/XX/XXXX that is continuing to show a charge - off status every month since, and I never received a 1099 - C from this account. According to the Fair Credit Reporting Act 15 U.S.C. 1681- e [ b ] - Maximum Possible Accuracy, and 15 U.S.C . - 1681- g. With this account being charged- off and reporting every month since XX/XX/XXXX is an error, because a charge- off should be reported as income on my 1099-c not debt on my credit report.
Product: Credit reporting 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 : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00}
Product: Money transfer, virtual currency, or money service

My phone was taken and transactions was made to a recipient that I never sent money to. They emptied my account through XXXX XXXX. I contacted XXXX  customer service, XXXX XXXX customer service and my bank regions. Ive yet to hear back from anyone yet.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and discovered inconsistencies and inaccurate late payment reports on my accounts with XXXX  XXXX, XXXX XXXX, and XXXX XXXX ( XXXX XXXX  ) across the three major credit bureaus : Experian, XXXX, and XXXX. These inaccuracies have negatively impacted my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). I have previously requested these corrections in other manners to no avail. 

The specific issues are as follows : Inconsistent Reporting of Late Payments : My XXXX  XXXX account shows 90, 60, and 30-day late payments on XXXX. This discrepancy is a violation of FCRA 623, which requires accurate and uniform reporting across all credit bureaus. Thus should be removed Failure to Update Charge-off Status : My XXXX XXXX  and XXXX XXXX ( XXXX XXXX  ) accounts were charged off, but the status has not been updated correctly. If the accounts have been settled or paid, the credit bureaus are required to reflect that, but this has not occurred. This is in violation of FCRA 623, which mandates creditors to report up-to-date and accurate information. 

Inaccurate or Unverified Late Payments : The late payments reported on my XXXX XXXX  account are inaccurate, as I had previously disputed the charge-off and related late payments. The credit bureaus have not properly verified this information, violating FCRA 611, which gives consumers the right to dispute inaccurate information and mandates credit bureaus to verify or remove disputed information within 30 days. 

Failure to Resolve Dispute : My XXXX XXXX ( XXXX XXXX  ) account was marked as " dispute resolved, customer disagrees, '' but the credit report still reflects a charge-off with no proper resolution. This indicates that the dispute was not handled fairly, as required by FCRA 611. 

Multiple Hard Inquiries : My XXXX report shows multiple hard inquiries within a short period. These inquiries were unauthorized, this would be a violation of FCRA 604, which restricts the permissible reasons for hard inquiries.
Product: Mortgage

I have applied and been approved through XXXX XXXX for XXXX under XXXX. The agency approved my relief on XX/XX/22 and sent an " I '' file to Mr. Cooper at that time. Mr. Cooper has not processed claiming that it may take 2-3 months to process! During such time they are accruing interest at a rate of {$1000.00} monthly that will be charged to the XXXX XXXX. In my opinion this is stealing from the federal government. 
I have been on the phone with many, many reps from XXXX XXXXMr. Cooper over the past months. I get nothing but the runaround, unable to speak to the XXXX XXXX or any individual in a supervisory position. 
I understand that this company has over 2,500 complaints against them and quit obviously should be fined heavily or lose their license to do business. 
My wife and I are retired. This has created a tremendous amount of stress on us both. XXXX was very difficult for us losing our jobs for 2+ years. Most recently I had XXXX and was nearly hospitalized. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and XXXX ma submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the fraudulent accounts and information off of my Credit report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). I need you to please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2700.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to remove the disputed items that resulted due to identity theft. So please comply with the law.
Product: Debt collection

After a detailed review of my recent credit report, I found multiple accounts that I believe were added without my consent and are incorrect.
Product: Checking or savings account

Chime is the company they're backed by stride bank I believe and they took my money. {$500.00} then locked my account and they won't let me back into it I've tried to call in at least 20 times. I've received no reply from anybody at chime. Only automated confirmation or emails
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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

since XXXX, these companies have been pulling my credit putting hard inquiries on my credit without my authorization. 

According to my most recent credit report, the companies are currently reporting to the three credit bureaus that I had applied for credit with their organizations. I do not recall granting them authorization to review my credit report. If so, they should provide signed documents signed by me where i authorized them to do so. 

Otherwise, they have to remove it as soon as possible. 

These inquiries have affected my credit dramatically. since XXXX, i've been sending dispute letters to them through the bureaus ; i've contacted them by phone, but still they haven't taken any action. 

These companies have requested a copy of my report without my consent. 

These are the following UNAUTHORIZED AND INACCURATE credit inquiries ( Validation is needed ASAP ) : XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX   TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX Auto Financing Chase Bank Usa, N. A TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos. 

Chase Bank Usa, N. A TANGIBLE PROOF NEEDED ASAP Inquiry from XX/XX/XXXX National Credit Card Cos.
Product: Credit reporting or other personal consumer reports

Kindly investigate these items in accordance with the Fair Credit Reporting Act ( FCRA ) and remove or correct them as necessary. I have attached a copy of my credit report with the disputed entries highlighted, along with supporting documentation to assist in your review. 

I appreciate your prompt attention to this matter and request a written response with the results of your investigation within 30 days, as outlined by the FCRA. If any item is not removed, please provide the name and contact information of the entity that confirmed its accuracy. 

Late Payment : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Account : XXXX XXXX XXXX XXXX Personal Info : Employers : XXXX XXXX XXXXXXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

on. for 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 XXXX XXXX XXXX XXXX Last reported XX/XX/2022 {$8900.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.