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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate.

I am putting you on notice that all Late payments being furnished on my consumer report is illegal.

According to 15 USC 1666b. Timing of 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. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave Equifax written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a XXXX offense.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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 : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX this accounts is being reported inaccurately.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX 4 hard inquiries were made without my authorization by XXXX XXXX XXXX XXXX XXXX  TX. When speaking with the business, sales manager XXXX told me the only thing he could do is apologize. I tried calling each of those companies listed above and there is no option to speak to a representative to dispute these hard inquiries and the option to do it over the phone through an automated system does not work. I have reported the business with XXXX. I want these hard inquiries removed from all of my credit reports since they were made without my authorization. I plan on taking legal action against the business.
Product: Credit reporting or other personal consumer reports

I recently noticed a hard inquiry on my credit report made by XXXX XXXX XXXX. The inquiry may have reduced my credit score substantially. I had no idea why the inquiry was made so I contacted XXXX XXXX XXXX. They said it was due to an application for a XXXX XXXX XXXX which they had denied for lack of additional information requested from the applicant. I, myself had never filed any application for a credit card through XXXX XXXX XXXX. I assured XXXX XXXX XXXX  that the application was not done by me and was fraudulent. I requested they remove the inquiry made against my credit report and they agreed it appeared fraudulent being done online and the applicant not being able to supply the additional information requested by XXXX XXXX XXXX. They assured me their inquiry on my credit would be deleted and a fraud investigation would be undertaken and any decrease in my credit score would be reversed. They also asked me to file a victims report with the XXXX credit bureaus, XXXX, XXXX and Equifax but I had trouble finding the right documents to file at the XXXX credit bureaus so I am requesting CFPB help me in making the complaint in filing a victims report of fraud with the XXXX credit bureaus as requested by XXXX XXXX XXXX. The inquiry by XXXX XXXX XXXX  was done on XXXX XXXX, 2024. The application was attempted fraud by persons unknown at this time and not filed by me, XXXX XXXX. The XXXX XXXX XXXX  associate was very helpful in explaining to me why a credit inquiry was done at which time I assured her, the application for a credit card she just revealed to me was not done by me and indeed fraud. I was told the undertaken investigation and its results would be shared with the credit bureaus and me and XXXX XXXX XXXX  would immediately withdrawal their inquiry which very possibly had reduced my credit score as much as XXXX points. I am filing this complaint as requested by XXXX XXXX XXXX  as a victims report of fraud to be forwarded to the XXXX major credit bureaus. Thank you, XXXX XXXX XXXX : original complaint # XXXX
Product: Credit reporting or other personal consumer reports

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 disputed this with all 3 credit bureaus for almost 3 years now informing them that I do not owe this debt and they continue to report it when it is not accurate. I have provided them proof from the courts as they were dismissed and they are still reporting this. I have attached court records for XXXX account numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports from XXXX, and XXXX show a car repossession listed as an account that originated with Santander and has a {$0.00} balance due. The original lender was Santander and the account was sold to XXXX. XXXX XXXX This report and collection information is inaccurate and incomplete because : The amount stated in the collection is incorrect, and the balance is inaccurate. The lender sold the Vehicle at auction, the Vehicle had Gap insurance, therefore Santander was paid for the difference between the sold price and the remaining due at the time of voluntary surrender. Santander did not report the amount it sold for, and never disclosed the amount to me, they were paid by the GAP insurance company the difference between the selling price and the balance on the account. The original account has been adjusted to a {$0.00} balance. However, Santander sold that account to XXXX XXXX XXXX for the amount of {$11000.00} While XXXX found the error after I reported the issue in 2022, and removed the account from their credit report, XXXX XXXX XXXX are continuing efforts to collect on a debt that has been paid in full and reporting the delinquency to XXXX, and XXXX XXXX reporting agencies. This violation of FCRA laws has impacted my credit score for years.
Product: Credit reporting or other personal consumer reports

I have not gave this company TD AUTO FINANCE ( Finance ) permission to pull my credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to correct late open accounts on my credit report. Despite my persistent efforts, these inaccuracies remain unresolved, causing significant distress and financial consequences. I first initiated disputes regarding these late open accounts. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments and account closure records. Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of these inaccuracies on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit report to verify the accuracy of the late open accounts in question. An investigation into the origins and validity of these accounts, including the verification of my claims regarding the correct opening and closure dates. XXXX correction and removal of these late open accounts from my credit report if they are found to be inaccurate. An explanation for the prolonged delay in resolving these disputes and the steps being taken to expedite the correction process. Written confirmation of the actions taken to rectify these inaccuracies and a specific timeline for their completion. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve these matters to my satisfaction. I am asking for your assistance to correct the late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$17000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$230.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$710.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$410.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$990.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX XXXX {$380.00}.
Product: Debt collection

SWC stated, SWC will honor Ms. XXXX cease and desist request and will no longer contact her regarding this matter. But they are still indirectly communicating with XXXX regarding my consumer report without my consent. Thats another violation. Not to mention, they said they would honor my cease and desist request, which included my remedy for the damages. I have yet to receive or hear anything. Ive sent emails to XXXX regarding this matter but SWC are refusing to honor my cease and desist entirely. Again, you can not pick and choose what to honor from it. I demand monetary relief for the injuries and I will not stop until I am relieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 's : 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 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 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 have 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: Credit reporting, credit repair services, or other personal consumer reports

I already filed a claim with XXXX and XXXX as my credit report is incorrect. They responded that after contacting the provider their information is correct. 
The problem is in an account that I had with XXXX XXXX XXXX. This account was never late and it was paid before the term. Final payment was made on XX/XX/XXXX and since then the balance is {$0.00}. XXXX closed the account ( as it was fully paid ) on XX/XX/XXXX. The Paid Status in the Credit Reports show : XXXX XXXX XXXX XXXX XXXX XXXX Even though the above information, they are informing and insisting to the credit bureaus that I was delayed 30 days on XX/XX/XXXX, 60 days on XX/XX/XXXX, 90 days on XX/XX/XXXX and 120 days on XX/XX/XXXX, when according to XXXX XXXX itself the account was fully paid on XX/XX/XXXX and closed on the same month. How the XXXX I can be late on XXXX, XXXX, XXXX and XX/XX/XXXX when they know that the account was fully paid on XX/XX/XXXX? It is a shame and a lack of respect that they continue insisting with the Credit Bureaus that I was late when they perfectly know that I was not! Certainly they are affecting my XXXX XXXX that was always impeccable.
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. 

# XXXX XXXX  : # XXXX XXXX  # XXXX XXXX  XXXX, # 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 card or prepaid card

Contract with Citibank XXXX XXXX ( XXXX ) Credit Cards : XXXX XXXX Card Credit Card No.- XXXX, and Citibank Visa Credit Card No.- XXXX, Present A Claim Due to Serious Illness, I was Hospitalized, Respectfully Request Protection for Serious Illness and Coverage of the XXXX ( XXXX ) Credit Cards, Citibank XXXX bank I did not process the Request before the insurer XXXX XXXX XXXX, Given so much Arbitrariness File before the Insurer XXXX XXXX XXXX The Respectful Request for Coverage and Protection of the XXXX ( XXXX ) Credit Cards, The Insurer Only Covered XXXX Card that it Owns : Citibank Visa Credit Card No.- XXXX , did not want to Arbitrarily Cover the XXXX  Credit Card XXXX XXXX Card N.- XXXX, Arguing more Document Demands, I have been pursuing XXXX ( XXXX ) XXXX ( XXXX ) collection houses, Again I have requested Citibank XXXX and to the insurer Definitely cover the XXXX card but argue a number of Excuses, to make matters worse they report that they sold the XXXX XXXX Card Credit Card No.- XXXX, to XXXX XXXX
Product: Mortgage

Myself ( borrower ) and closing attorney have called and emailed multiple times to no avail. The phone tree runs you around in circles and anyone that we actually do get on the phone has no idea how to generate the individual release on a multi-collateral loan. Closing is supposed to be today and I ( once again ) tried to get this today. We are going on 2 weeks and I am suffering undue financial hardship because of this delay. 

Western Alliance Bank XXXX # XXXX
Product: Credit card or prepaid card

Sam 's credit card. Card is in both my name and my spouse. We have {$900.00} on current cash back balance as of statement closing date of XX/XX/2020. Regretfully my husband passed away on XX/XX/2020. The credit card is in both of our names ; same credit number with both our names. I called XXXX from my statement from Synchrony Bank on XX/XX/2020 to cancel my late husband 's card only his, so that no one else could use it. I was told by Synchrony Rep that my card would be cancelled too since we had the same number and to go to Sam 's in person to get a new number/card. He failed to tell me by doing this I would lose our cash bonus points that we accrued. Then on XX/XX/2020 I went to Sam 's Club store in XXXX XXXX, FL and speak to Supervisor to let her know that my husband passed away so I could obtain a new card issued to me so I would have a different credit card number. She then told me when she pulled up my account that Synchrony Bank took away our bonus money. She told to me to contact Synchrony Bank directly for which I did on XX/XX/2020. They told me the bonus $ was only in my husband 's name and I wasn't privy to it. I asked to speak to a supervisor and CSR told me they were all busy. This is terrible. I endure the loss of my husband and now Synchrony is keeping our money. We only opened and used this card for the bonus dollars. 99 % of the charges came from my personal shopping not my late husbands '.
Product: Vehicle loan or lease

Request for Refund of Unauthorized Debit Dear Sir/Madam, l am writing to request a refund of {$1100.00}, which was erroneously debited from my bank account on XXXX separate dates, XXXX on XX/XX/XXXX, in the amount of {$590.00} and the other on XX/XX/XXXX, for the same amount, as detailed in the bank statement attached herewith. 

These debits occurred after I had already paid off the vehicle financing in full, as detailed below. 

Financing Details : Account Number : XXXX Vehicle Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The full amount of the financing was settled on XX/XX/XXXX, as agreed and documented. The subsequent debt is unjustified, and I kindly request that this matter be addressed promptly and the full amount returned. 

I kindly request that the amount be refunded directly to the debited account or sent by check to my address. I have enclosed copies of the loan settlement receipt and the record of unauthorized debits to facilitate the resolution of this m a t t e r. 
/ await your urgent response to resolve this issue. If necessary, I am available to provide any additional information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
They're not accurate not even close. Please delete/remove the following : 1XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXX XXXX XXXXXXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL BANKRUPTCY reported was fraud. 

Bankruptcy : XXXX XXXX Filed on XX/XX/2019 Reference XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX will be filing form 211 Treasury OMB firms to audit consumer account. XXXX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.