23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX XXXXXXXX currently administrated via Barclays. I have auto payment of my full statement balance set up for past several months, paid 1st of the month. On XX/XX/XXXX, my statement balance of {$4500.00} autopay was initiated, and successfully/confirmed processed by my bank on XX/XX/XXXX, first business day after XX/XX/XXXX. Barclays then processed the auto payment AGAIN, on XX/XX/XXXX ( not authorized, not imitated by me, the customer ) for another {$4500.00}. This overdrew my checking account from a different bank, to which my auto payment draws from, and, because I have overdraft protection on that checking account, it completely drained my linked savings account as wellso I was completely wiped out, financially, of all liquid funds from my primary banking institution. 

I contacted Barclays and they said they were investigating. That led me to speak to a supervisor, who noted that XXXX XXXX was aware and researching the issue, which was known to be widespread. I called my checking/savings account bank to put a stop payment against Barclays for XXXX charges and they noted they have been receiving calls all day from impacted customers. Researching online, Barclays appears to have done something similar in XXXX and perhaps again circa XXXX. 

I have had credit cards for 30 years and have never experienced anything like thisthe bank itself was who I wanted to report as having committed fraudulent activity on my account. They can say it was a technical glitch but that is not acceptable for repeat behavior by a massive banking enterprise ( or anyone! ) How many millions of dollars did they temporarily steal or rob people of access to? How many peripheral fees will customers have to incur and get stuck with as a result of another such mistake? How much time will consumers have to spend trying to talk to Barclays and their own financial institutions to recover those fees and be made whole again? 

Barclays should come with a warning label for potential customers to be made aware of. Occasionally we may pay ourselves twice using your money. In my case, and the case of approximately XXXX million+ customers, our Gap cards were moved from XXXXXXXX XXXX to Barclays through no choice of our own, so we got stuck with this company which seems to have issues handling money properlyand if you cant rely on a bank to do that one thing rightthey should not be permitted to operate as a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company- Midland Credit Management continuously opens and closes the account adjusting the amount by {$1.00}. This in turn has been damaging my credit report as it shows accounts opening and closing quickly. I have tried to reach out to the numerous times. They insist it is not their doing. When I talked to the credit bureaus they directed me back to Midland Credit Management as the bureaus insisted that they were unable to do such a thing and they only reflect what information the creditor is giving.
Product: Credit reporting

Experian is posting data on my credit report that is outside of the statue of limitations in the State of Ohio. 
Account : XXXX XXXX Date opened : XXXX/XXXX/XXXX Today 's date : XXXX/XXXX/XXXX Statue of limitations in Ohio : 7 years Time reported : 8 years and 22 days
Product: Credit card or prepaid card

I believe Synchrony bank conducts business in a predatory manner. When they offer deferred interest and demand that you receive statements online in order to qualify, it's easier to miss the due date. I incurred {$4100.00} in interest on a XXXX purchase. Yes, that's 41 % of my initial purchase. I made my payments on time each month and paid more than the minimum required but I'm a senior and in the process of retiring and moving my files were not easily accessible. I thought I had a 24 months interest free period when it was actually 18 months. Since I've had credit with Synchrony in the past and always paid on time, I called to ask for a reduction of the interest - they denied me. Their interest rate on my new balance is {$200.00} per month, with the deferred interest added back on. This means if I kept making {$300.00} payments it would take more that two years to pay off the rest of the balance and they would have collected more than 100 % interest on a {$10000.00} purchase. This seems excessively greedy and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX2021 I sent a letter out over 30 days ago stating that I was in violation of my rights as a federally protected consumer in pursuant to U.S Code 1681a ( 2 ) ( B ). These credit reporting agencies are also in violation of 1681b ( 2 ) which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with the written instructions of the consumer to whom it relates ''. I, XXXX XXXX, did not give these credit reporting agencies any written consent to report anything on my consumer report, no consent is considered identity theft and also violates my right of privacy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am filing this complaint against TransUnion, XXXX, and XXXX for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX mortgage account ( # XXXX ). Despite submitting two prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Discrepancies : Last Verified : Only appears in TransUnion. 
Last Day of Activity : Different dates across TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
Closed Date : Reported only by TransUnion as XX/XX/XXXX ; missing in XXXX and XXXX. 
Account Rating : Listed as " Closed '' in TransUnion, but " Paid '' in XXXX and XXXX. 
Account Status : Reported as " Closed '' across all bureaus.

Payment Status : Reported as " Late 60 Days '' across all bureaus.

Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected.

15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected.

Impact of Errors : These inaccuracies have caused undue harm to my creditworthiness, including potential denial of credit opportunities and higher interest rates. 
Desired Resolution : Immediate removal of the late payment notations ( XXXX and XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from TransUnion, XXXX, and XXXX verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Just notified on XXXX XXXX, 2017 that the company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ran a hard credit inquiry. 

I did not authorize it. 

I cancelled their contract over 4 years ago and have no intention of using them ever again. 

I believe they are trying to find a way to charge one of my credit accounts. 

I want that inquiry removed from my credit report immediately.
Product: Credit reporting

I recently investigated my credit history because every I apply to get one I 'm denied for the following reasons : -derogatory public records or collection filed -Insufficient length of credict history -Proportion of revolving balances to revolving credit limits is too high -Recent derogatory public record of collection -Number of recent inquires on consumer report My question are What does this mean? 
How can I fix all this so I can cleanly build my credit? 
How to prevent this affecting me.? 
Why I get a pending account in collection and I was never notified of this amount?
Product: Vehicle loan or lease

Ford Motor Credit tells you that your payment is due on the XXXX of the month and you have 15 days before it is considered late. So, the XXXX of month is 15 days later. However, when you call to pay them, they wait 2 days to process your payment. Payment must be made Monday - Friday before XXXXXXXX XXXX. and payments made on the XXXX, XXXX and XXXX are not posted until 2 days later. Then they charge you late fees even though they received the payment before the XXXX of the month. And they report you to credit bureau for late fees.
Product: Checking or savings account

First National Bank of Omaha Customer service was contacted in XX/XX/2024 to resolve a past due amount on a previous account. I was referred to their debt collector on record at the time I believe was named ( XXXX ). XXXX and i agreed to a settlement offer to bring account to a XXXX balance and report to chex systems for removal. To date this debt is still listed on XXXX XXXX with the same negative balance and error. I've contacted XXXX 's customer service several times and they refuse to take responsibility for this continuous error and refuse to provide me with documentation on letterhead via email stating this in error and that my account is settled. They also blatantly refused to contact XXXX XXXX on my behalf to further assist me. This negative action has led to me being denied opening a checking account within the last 30 days. When I presented this to the customer service representative her attitude and her tone was nonchalant and she could care less as a matter of fact which was depicted in the way she spoke. I further asked for a Supervisor whom came on the phone and further validated her subordinates behavior with the same behavior.
Product: Debt or credit management

I never gave consent for neither party to pull a inquiry Hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lease to own automotive
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries do not belong to me. 

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

I am a victim of identity theft I have 2 fraudulent accounts from XXXX XXXX XXXX on my credit profile that need to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership the other day for the third time, they said they were going to do one hard inquiries but all of these popped up on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Inquiries
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX has transfer an account to XXXX XXXX XXXX XXXX XXXX after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$350.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 

Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j
Product: Debt collection

I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the amount of suit on the summons is listed as XXXX. I hung up and called again and was given different information. I was told I could make a payment of {$400.00} and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually owe and I 'm getting different information from different people. When I said I was unemployed they just sat on the phone in silence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX - XX/XX/year> I NEVER gave permission for this company to run my credit. I contacted the company and they still havent done anything about it or removed the inquiry from my credit report.
Product: Debt collection

I am repeatedly receiving phone calls from this company regarding an alleged collection account. 

I have never done business with this company and have never shared my personal identifying information with this company. 

Obtaining and using my personal identifying information without my express written permission is a form of identity theft. Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - a person commits identity theft when he or she knowingly : uses any personal identifying information or personal identification document of another for the purpose of gaining access to any record of the actions taken, communications made or received, or activities or transactions of that person, without the prior express permission of that person.
Product: Credit reporting or other personal consumer reports

I am reaching out to report fraudulent personal information linked to my identity. Accounts and transactions have been wrongfully attributed to me, leading to significant XXXX I am a victim of identity theft and have reported this incident. Its crucial to address this promptly, as it has negatively affected my finances and reputation. I kindly request your assistance in removing all fraudulent information from my credit report and conducting a thorough investigation. I am ready to provide any necessary evidence and may pursue legal action to protect my rights. Thank you for your prompt attention to this urgent matter.
Product: Checking or savings account

I cashed my brothers XXXX check and my child support check and chase said that I wasnt supposed to deposit someone elses check into my account. I didnt think it was a problem but chase called the bank, my brothers job and they wanted a phone number on him too, the number I provided they said the number was not registered to him. Then chase just closed my account and took all my money. I would like to escalate this problem please I dont think it was fair especially during the holiday.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with the CFPB about XXXX reporting a fraudulent Bankruptcy on my consumer report. They are also the same companies who report this information to XXXX, XXXX, and Equifax. They claimed that I filed a XXXX XXXX on XX/XX/XXXX and it was discharged XX/XX/XXXX out of XXXX, NC. So I filed another complaint showing them that I had never lived in XXXX until XXXX of XXXX so I don't know who that person was they're claiming me to be. So on XX/XX/XXXX, I filed another complaint explaining this was not my bankruptcy and you reporting false information about me. Well, it came to light that the bankruptcy they were reporting was indeed not mine it belonged to a XXXX XXXX and this was verified by XXXX  who XXXX has an account to pull information which and it to consumer reports which is illegal because of the following under the FCRA. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( A ) 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

So as it states in the law by Congress I have a right to privacy and you need my written consent to furnish anything about me on my consumer report which they definitely did not have. Once XXXX realized they were wrong they removed the bankruptcy from my consumer report and told me to file a dispute with the other CRA XXXX, Equifax, and XXXX to get the bankruptcy removed. I have done so and the only one to remove the erroneous information was XXXX ; Equifax and XXXX both claimed to have verified said information. 

Equifax claims it used XXXX to verify the information on multiple disputes but how can that be when I have provided proof to them that it was erroneous and it needs to be removed immediately. 

XXXX reports that they verified it with the courts which is false reporting because the courts don't report to the CRA 's and I have provided proof from the courts that they don't. I have also contacted XXXX which is an electronic court document system that doesn't report either and the only way to access the information is to pay for an account. 

Lastly, the CFPB is supposed to look over these cases prior to sending them to the companies and they have failed on numerous occasions. I have consistently provided proof that what the CRA 's is doing is wrong and should be punished. The law is the law and it the XXXX 's are not bigger than Congress.
Product: Credit reporting or other personal consumer reports

my personal data has been compromised. I have contacted XXXX, Equifax and XXXX but no resolution has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive found several errors on my credit report that I've disputed several times with no change to my credit reports. It's my understanding that as a contracted data furnisher, youre legally required to only report AUD cerified completely accurate information according to the FCRA and reporting inaccurate incomplete information across the credit reporting agencies is a violation. 

SantanderConsumer USA Account # XXXX Santander Consumer USA Please be advised this is my Third WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify and validate that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
I'm not accepting a statement of this account being verified and validated, but would need validation verification. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

want to inform you that I have become of identity theft due to the Equifax Data Breach. These inquiries are also result of the crime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1682a ( q ) ( 3 ) and Revised Statues of Missouri ( RSMo ) 570.223. Experian is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Product: Credit reporting or other personal consumer reports

I am upset that this company has put and HARD INQUIRY on my credit report & denied my application.And that alone in DISCRIMINATION and them denying me my own credit.That I applied forThis left my report in a default type of way and it is redline activityPlease make them remove this now.This has mentally cause me distress.