23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX  XXXX XXXX Account XXXX XXXXAmount XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXXXXXX XXXX XXXX/ Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # XXXX
Product: Money transfer, virtual currency, or money service

I bought a visa card with XXXX dollars on it when I needed more than that I bought another one with XXXX dollars on it. And it didn't say anywhere that you can't use 2 cards so i waisted my money and i don't know how to get a refund that i want.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit hits on my credit from Capital One, XXXX and XXXX Bank XXXX XXXX 

ALL NOT ME. 

PLEASE HELP ASAP
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the continued inaccurate reporting of an account that I have previously disputed with both the credit reporting agencies and the furnisher, yet the issue remains unresolved. 
I am disputing the accuracy of an account with XXXXXXXX XXXX  being reported on my consumer file. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I have the right to challenge false, misleading, and inaccurate information on my credit profile. The FCRA explicitly states furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. 

I have contacted the entity reporting this debt multiple times, requesting verification, including proof of ownership and legal standing to collect. Despite my repeated requests, they have failed to provide any documentation demonstrating their authority over the alleged obligation. Their continued failure to respond appropriately raises concerns about the legitimacy of their claim. 

Additionally, I have reviewed the companys XXXX report, which suggests that the debt in question may have been securitized. If this is the case, the original creditor is no longer the true owner. Without proper documentation proving their right to collect, the reporting of this account is inaccurate and misleading. 

I have attached copies of my correspondence with this company, including references to their own financial disclosures, which further cast doubt on the validity of the reported debt. Given their failure to provide the required verification, I formally request that this account be permanently removed from my consumer file immediately. 

If the account is not removed, I request that you provide verifiable documentation proving the entitys legal standing to furnish this information.
Product: Debt collection

Please provide proof of ownership validation of debt correction of credit reporting documentation showing that youre agency has the legal right to collect a debt, including proof of transfer or sale of the debt, a full validation of the debt including itemized statement and the original creditors information a copy of your state license, including the license number they gave you right to collect Any debt in my state according to the 15 USC 1681 2 ( a ) ( i ). A charge of is considered income by the IRS and any critter that put a charge off on the credit report shouldve sent a 1099C farm a charge of any income should not be reported on a credit report, which is illegal XXXX set by Congress any transactions and experiences should not be reported on the credit report. Please remove this item.
Product: Consumer Loan

In XXXX we bought a XXXX Mercedes-XXXX ( Vin XXXX ) .And in exchange we put our XXXX XXXX XXXX on trade for this vehicle. The vehicle ( XXXX ) had so many problems, needless to say the car was not worth it. We talked to the company about exchanging it for something else or maybe getting it fixed but they did n't want to help us out at all period. Supposedly after we had already bought it and had for a week they told us that the vehicle that they had sold us was not even part of the company that it belonged to the XXXX and he was selling it there. So since they did n't want to help us in any way we decided to surrender the vehicle back to them, but now we got a letter from Santander Consumer Bank that the XXXX went into auction but we still have to pay and outrageous total of {$15000.00}. We are looking at this as we should not have to pay it because we surrendered the vehicle due to the lack of no help from the car company ( XXXX in XXXX Mississippi ) or the bank ( Santander Consumer Bank ) and also because we had traded in our vehicle as well. All we need is a solution for this problem or some help on what we can do with this situation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the 15-day grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's 15-day grace period. As such, this account should not have been reported as 30 days late. 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX XXXX PA, XXXX BANK OF AMERICA XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : I have new information provided to Bank of America including new police reports and actual culprit who stole my bank card and used it fraudulently and without my permission. Police Report : DC # XXXX DC # XXXX This is my first dispute. 
I am writing to dispute a debit in the amount of {$7300.00} on my account. The open claim ID number regarding this dispute is : XXXX. 

This particular gas station where these charges occurred is a gas station that I have used before because its close to my home. I recall several times I attempted to use my debit card at the pump and the charge didnt process. I recall this happening on several occasions and I instead used another credit card to pay for my gas. 

However, since XX/XX/XXXX thru XX/XX/XXXX I have noticed that there have been charges that I didnt authorize, have no knowledge of and didnt perform on my account. I have informed the representative when I opened my claim about my concerns about a skimming device being in place at this gas station. I also informed the representative that have had several instances where I was prompted to reset my password on the mobile app as well as alerts being sent to my spam folder about charges on my account. 

After reviewing of my account statements in detail and depth I am disputing the following charges to my account : XX/XX/XXXX - {$200.00} ; {$110.00} XX/XX/XXXX - {$260.00} XX/XX/XXXX {$90.00} XX/XX/XXXX - {$86.00} ; {$140.00} XX/XX/XXXX - {$260.00} XX/XX/XXXX - {$280.00} ; {$200.00} XX/XX/XXXX - {$170.00} ; {$180.00} ; {$200.00} XX/XX/XXXX - {$300.00} XX/XX/XXXX - {$250.00} ; {$120.00} XX/XX/XXXX - {$180.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$110.00} ; {$140.00} ; {$98.00} ; {$220.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$100.00} ; {$250.00} ; {$70.00} ; {$100.00} ; {$220.00} XX/XX/XXXX - {$120.00} ; {$240.00} ; {$100.00} ; {$100.00} XX/XX/XXXX - {$110.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$250.00} ; {$160.00} ; {$190.00} ; {$160.00} ; {$100.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$87.00} ; {$90.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$96.00} ; {$52.00} ; {$84.00} ; {$69.00} ; XXXX ; {$20.00} ; {$72.00} I am requesting that the fraudulent charges be corrected and refunded to my account as well as any any finance charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
The following is my police report number : DC # XXXX, supporting my efforts to help resolve and take appropriate legal actions regarding the unauthorized use, and charges presented on my account for the above listed charges.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Federal Law overrides any company policy. 


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. 

I have attached a copy of my Experian credit report. For XXXX. Per Experian my XXXX XXXX XXXX XXXX payments were on time however my XXXX payment is reported as 90 days late. This is inaccurate information. If the months before and after XXXX are reported as on time, it would not be accurate or possible for XXXX to be considered reported 90 days late.
Product: Vehicle loan or lease

I am reaching out today to speak out against the Atrocities that BETHPAGE FEDERAL CREDIT UNION has put me through and that no other consumer shall. 

I applied last XXXX ( XXXX ) for a used automobile loan. 

They voided my approved loan of 6.6 % despite me following up with all necessary criteria. 
Try to get me to run my credit again Then say theyll work with first pull and then try to Jack the rate on me despite me already getting approved. 

Ever since then they have been double charging me on automatic payments I requested this to be stopped XXXX so far They do not care. 

They tripled my interest rate after failing to tell me Im receiving title and need to go to XXXX. 

No issue I still paid every time on time They even lost my money for XX/XX/XXXX payment which I made in branch as I do with all payments after this whole double charge fiasco and tried double charging on XX/XX/XXXX. 


I go into branch for XXXX payment the XXXX and it says a late fee is pending for the XXXX. 

I have requested the card not be charged but yet they continuously charge it in attempt to make extra {$25.00} every time I had voiced my concerns and BETHPAGE FEDERAL CREDIT UNION has terminated my account. They sent me a survey on how I feel and I let them know,
Product: Credit reporting, credit repair services, or other personal consumer reports

between XX/XX/2018 and today synchrony bank has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. 

Fraud Alert. This account does not belong to you. 
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Axxess Financial Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account number : # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Dear Axxess Financial I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and there are inaccuracies on my credit reports. I have filed numerous FTC and IRS affidavits due to my information being used fraudulently. XXXX, Equifax, and XXXX are violating my rights by furnishing this data on my consumer reports. 
In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. 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 didn't give XXXX, XXXX or Equifax written consent to report the inaccuracies that are currently on my credit report. 

Also in accordance to the FCRA, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation.

Lastly 15 U.S. Code 1681c-2- Block of information resulting from identity theft 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, not later than 4 business days after the date of receipt by such agency
Product: Debt collection

It Started with getting a bill for XXXX XXXX XXXX XX/XX/XXXX, that I did not order. Then another bill in XXXX for another month, So since I didn't order this service, I ignored their threats for collecting the money. They sent me letters of disconnection which I also ignored as to not ordering the service and of course not using it, didn't care. I then got letters from a Collection agency XXXX XXXX, in XX/XX/XXXX, stating that they were trying to collect for a past due amount of {$240.00} for XXXX XXXX I never Signed a contract or any kind of agreement with XXXX XXXX, either, giving them absolutely no permission to any of my personal information as well, of course showing illegal actions by them. I then found out that they reported their collections to all three of my credit reports. I then disputed all three of them. XXXX and XXXX both investigated and ruled in my favor and immediately removed that terrible blemish from my reports completely. XXXX on the other hand Has not removed this blemish and its not good for my report. XXXX XXXX XXXX 's actions are illegal, for the simple fact that I never signed anything making a contract between them and myself and also in no way shape or form gave them permission to due anything in a collection manner with me. So after calling TU they told me to file a report with you and send them a copy, file another dispute ( done ) and then they would remove it from my reports.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i made no credit application with these companies ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX placed collection on my credit report, removed it, and then placed it back in without properly notifying me. XXXX and Equifax should have sent me a letter notifying me that this was placed back on my report.
Product: Credit reporting or other personal consumer reports

In XXXX  0f 2023, my wife and I went on a cruise. We left out of XXXX to XXXX and then to the cruise. Upon returning, albeit months later, we discovered that someone stole mail from our old apartment and created fake identities to open up fraudulent accounts in my name. The accounts were opened at XXXX  ( XXXX XXXX  ) and Kohl 's ( Capital One ). My credit dropped from the XXXX to under XXXX and I immediately filed disputes with XXXX, XXXX and XXXX, all on XXXX XXXX 2023, with the expectation they would be removed. I was shocked to receive confirmations from the credit bureaus saying that both companies validated the accounts. I called XXXX and was transfered to an identity theft specialist. They told me that I should have chose " Identity Theft '' instead of " Account not Mine '' and walked me through how to refile this and how to file a report with XXXX  and a police report. My wife and I went to the stores where the accounts were opened and spoke to employees at both who verified that it was theft, then filed an official report through www.identitytheft.gov and filed a police report. We also froze my credit at all 3 bureaus and locked all future credit and added statements to the reports. However, despite it being nearly 9 months later and after speaking with the companies, XXXX, XXXX and XXXX, the accounts are still reported as late and the banks are telling us that we need to pay. We can not buy a new house or get a new lease on our car because of this. When someone slips through the cracks of these big agencies, their lives can be negatively impacted and be forced to deal with financial implications that are beyond their control, and they are not held accountable. I ask that someone gets us the help that we deserve and take it upon themselves to correct this incredible error.
Product: Credit card

account was used under my name and wells fargo seems to be unwilling to get it taken care of ... charged me fees and made me make payments ... also continue to report to credit bureaus ... i 'm even wondering if I even applied for it after all the information that has come to light ... they will not asset or even listen.. they need to be investigated and find millions I know Im not the only XXXX to be singled out for them to be able to bill fees and take advantage