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

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( 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 number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Your agency is in violation!

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 reporting

In XX/XX/2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contact the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX, at XXXX, as well as the detective with the XXXX Police Department that this w as in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Equifax remove the Charge Off showing under my name with XXXX as well as remove this account and Equifax as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit card was closed without notice ; my payments were being submitted through the XXXX system of my primary bank ; even though the payments were received one day late, they were accepted by the creditor, while assessing late fees which doubled the amount paid. The creditor also stated that the late fees placed my account as " high risk '' and closed it without notice, while still collecting monthly payments, late fees and high interest rates. Their actions have damaged my credit scores with all credit reporting bureaus, and other creditors have followed suit in lowering credit lines, or reducing available credit. The creditor refused to reduce the late fees, even though the payments were submitted within a five day grace period, which the creditor does not acknowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

They took me to court but kept changing the date so I wasnt aware it happened until after the fact. Ive emailed and called portfolio recovery many times to set up a payment plan but they say i need an account number that my name and social security number dont show up in their system. So they keep hitting my credit report for late payments but how can I resolve it if they cant find me in there system and since the debit they are asking for was from a XXXX credit card from 6 years ago how do i know an account number. What am I supposed to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company is some staple policies and reporting late payments based upon the date that they post payments not the date that payments are made and according to loan notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, 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, and I'm including it 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
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. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX 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 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 reporting, credit repair services, or other personal consumer reports

JP Morgan Chase Bank the information you are providing to the consumer reporting agencies is inaccurate and incorrect. This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. Your inaccurate reporting has caused substantial harm to my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to experian credit bureau on and they received the letter onXX/XX/2020. Expressing my concern about me reviewing my credit report and there being inaccurate information on my credit report. They sent me a letter on XX/XX/2020 stating that they will conduct an investigation into the matter, on XX/XX/2020 saying that only one item that I disputed was deleted, they still havent deleted the other item reporting on my credit report from XXXX  XXXX XXXX. 
They have failed to verify the negative item from XXXX XXXX as accurate and they still have not removed the negative item. Nor have they explained how XXXX XXXX XXXX  verified the negative item nor, the methods in which they verified it Im contacting you. So that this matter can be resolved and be done in accordance with the FCRA. Thank you
Product: Student loan

XX/XX/XXXX I have documentation that I met the XXXX required payments for my student loans in XX/XX/XXXX from XXXX  XXXX. My loans were fully transferred to Mohela on XX/XX/XXXX. According to their website within 90 days my loans were to be processed and XXXX. By the end of XXXX my uploaded XXXX had disappeared from their system ( the tracker still indicates XXXX payments met ). I called to discuss this. They indicated it would be more time and I was indeed at the XXXX payments. I called again on XX/XX/XXXX and was told they were " pushing it through '' but it would still be 90 days. I filed an Ombudsman with the education department on this day as well. I received a response on XX/XX/XXXX indicating the XXXX that I had met the XXXX stating : " This, compared with the eligible payment periods of your Direct Loans, yields a qualifying payment count of XXXX toward the required XXXX for XXXX. 
Once MOHELA determines that you have met the requirements for loan forgiveness, XXXX will provide the effective date of discharge so MOHELA can begin the process of discharging your loans. '' I called XXXX again on XX/XX/XXXX at the XXXX business day mark from the day I called in XXXX. They indicated it had been well over the 90 days, but the XXXX was at fault for not certifying the XXXX payments despite the previous email ( above ) from the XXXX indicating that they were waiting for Mohela. I filed another Ombudsman with this documentation as well as the email from the XXXX. I also uploaded the XXXX email to Mohela. I called Mohela again yesterday XX/XX/XXXX to get an update after being on the phone for over an hour, I was again told they were getting a supervisor to " push it through '' as I was way over the 90 days. Before the supervisor was on the line I got pushed back to the main call area and sent to another representative who was in a mentoring process and was unaware of XXXX programming. At this point I requested to directly speak with a supervisor. This supervisor did acknowledge the frustration, but still claimed it was the XXXX. I asked how to contact the XXXX and she stated that the FSA would direct me back to Mohela. This was over XXXX hours on the phone which is a typical time when calling Mohela. 

I currently have several concerns with my loans sitting on my account after meeting requirements of the XXXX program one calendar year ago. 

XXXX. Currently the governor created a program to not tax the amount that is forgiven. Considering I met requirements one year ago, I do not want to pay taxes on this amount if this program were somehow to end when my loans should have been forgiven. I also could not pay that amount. 
XXXX. Payments resume in XXXX. I should not owe payments due to meeting requirements for forgiveness. It was noted that there is a forbearance for this, but I have not noted this to be updated in my Mohela account. 
XXXX. This amount is on my credit report in my debt to income ratio despite the fact that I met requirements one year ago. 

I am seeking any support in this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 reporting or other personal consumer reports

Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX Social Security XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. 
Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX11-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) Account Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX XXXX XXXX Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXXXXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX  XXXX XXXX Date Filed : XXXX XXXX, XXXX Reason : Unverified Account Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Reason : Unverified Account Account Name : XXXX XXXX XXXX XXXX Date Filed : Inquiry : XX/XX/XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : unverified account Account Name : XXXX XXXX XXXX Date Filed : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX XXXX XXXXXXXX Date Filed : Inquiry : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Date Filed : Inquiry : XX/XX/XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX XXXX Filed : XXXX : XXXX XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX. 
XXXX, GA XXXX ( XXXX ) XXXX Reason : unverified account Account Name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Date Filed : XXXX : XXXX. XXXX, XXXX Type of Account : Hard Inquiry Address : XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Reason : unverified account
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for account # XXXX with XXXX XXXX. These late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time through autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. My account was fully paid on time, and autopay was active to ensure consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness and payment history.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, allowing for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 
Summary of Errors on Account The XXXX XXXX account displays several discrepancies across credit bureaus. XXXX incorrectly reports XXXX late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, while Experian and XXXX report XXXX payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite timely payments through autopay. XXXX and XXXX  list a high balance of {$30000.00}, while Experian shows {$0.00}.

Additionally, the " Date Reported '' and " Date of Last Activity '' differ, leading to inconsistencies in account statusXXXX XXXX inaccurately describes the account as " closed or paid account/zero balance, '' while the dispute status remains " not disputed '' despite prior correction requests. These errors collectively misrepresent the account 's payment history, balance, and dispute status. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a federally protected Consumer and I am opting out of any and all Authorization I the Consumer may have given you written, non written, verbal and non verbal per 15 UNITED STATES CODE 6802.

YOU ARE IN VIOLATION OF THE PRIVACY ACT OF 1974.

Equifax is reporting Inaccurate information on my consumer report. This is my 2nd attempt to have the fix the inaccurate information.

YOU ARE NOT IN METERO 2 COMPLIANCE.

YOU ARE IN VIOLATION OF 15 UNITED STATES CODE 1681b PERMISSIBLE PURPOSE. I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ON MY REPORT,
Product: Credit reporting or other personal consumer reports

To my knowledge, I have not signed any documents authorizing XXXX to view my credit history. Therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I requested any documentation bearing my signature if they had any that authorizes them to make inquiries into my credit report. 

They admit they did not have one.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX DOB XX/XX/86. I have been impacted with XXXX  SINCE XXXX! I HAVE BEEN IN CONTAXT WITH TARGET WHEN NOT on XXXX as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for XXXX   AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM XXXX   AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS XXXX POINTS! WHY?! BECAUSE TARGET REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO! 

THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING XXXX  IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR XXXX  ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN! 

I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM XXXX  BECAUSE THESE CARELESS XXXX RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!
Product: Bank account or service

On XXXX/XXXX/15 XXXX fraudulent charges occurred on my checking account in the amounts of {$66.00}, {$70.00}, and {$72.00}. A total of {$210.00}. On XXXX/XXXX/15 I noticed the fraudlent charges and reported the matter to TD bank customer services. I explained that I had never lost or misplaced my debit card and that I had never been to the location in which the fraudulent charges occurred. The TD bank representative took my information and said that an investigation would be initiated and I could expect the money to be refunded within 3-5 business days. On XXXX/XXXX/15, six business days later, I called TD bank again to check on the status of the investigation and the TD bank representative said that the person I had spoken to during the initial call had failed to initiate the investigation and I would have to start the process all over and that it would take 7-10 additional business days to resolve. After providing the information for the second time I asked to speak to a supervisor about the difficulty I was having getting the issue resolved. The TD bank representative stated that I could not speak to a supervisor but that if I left my contact information, a supervisor would call me back within 48 hours. I insisted I wanted to speak to a supervisor and was again told that I could not speak to one. Finally I gave in and left my contact information and asked to have a supervisor call me back as soon as possible. I never received a call from a supervisor or any TD bank representative. 
As of today the issue remains unresolved and no funds have been refunded to my account. 19 business days since my initial call on XXXX/XXXX/15 and 13 business days since the XXXX call. I have however been charged a {$14.00} maintenance fee because my account dropped below {$100.00}, which would not have occurred if the fraudulent charges had not occurred.
Product: Checking or savings account

Wells Fargo Bank is discriminating against denying me credit and an opportunity to open up a checking account because I had a previous checking account with Wells Fargo bank, which the debt was discharged in bankruptcy court under Chapter XXXX on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. The debt I owed to Wells Fargo Bank was discharged under Chapter XXXX bankruptcy. Wells Fargo Bank is discriminating against me because the debt I owed to Wells Fargo Bank was discharged in bankruptcy court. Furthermore, Wells Fargo Bank is discriminating against me because of my race, me being XXXX XXXX ( XXXX ). Wells Fargo Bank is in complete violation of the XXXX Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX