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

On XX/XX/XXXX, I reached out to Experian to dispute inquiries on my credit report as there are XXXX that I did not recognize nor did I authorize. I was sent to the fraud department where I was answered by a representative named XXXX. I began to tell XXXX about these inquiries that I did not recognize them and that I did not authorize them, and XXXX proceeded to check into the first inquiry - XXXX XXXX  who ran my credit twice on or around XX/XX/XXXX. I proceeded to inform XXXX that I did not know why this inquiry was on my credit and that I did not authorize it. XXXX told me that he could not do anything because it was possible that a dealer ran my credit with the purchase of my car. I informed XXXX that was not possible because when I purchased my car in ( XX/XX/XXXX ) I went in with a pre-approval from XXXX  XXXX and because I bought it from XXXX, there was no running of the credit as this was not allowed since I had financing. XXXX then stated it was hypothetically possible that the XXXX XXXX  allowed XXXX  and another XXXX companies to run my credit ( Although XXXX of the companies XXXX XXXX - ran my credit in XXXX, well before I bought a car ). I told XXXX this and he said he can't do anything because its likely related. I told him they are not related to my purchase and I did not authorize it and XXXX said he won't do anything to assist. 

I then asked XXXX about the remainder and he just said they are all " probably '' related, even though I keep stating that these were not authorized nor known and are not related to my capital XXXX account. 

I asked XXXX for his agent ID and he stated there is no employee number and he's only giving me his first name. I then asked for a supervisor and he told me XXXX wasn't available but they'd call me back within a day. I asked for the supervisors name he said he's not giving it out to me. 

XXXX pretty much told me that even if I didn't authorize it, that there's nothing he could do, even though he only presented it all as hypothetically possible. 

The inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a formal request for an investigation on XX/XX/2022, in which they received the letters on the following dates : XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX  Equifax XX/XX/2022 I never received written and actual proof of verification with a hard wet signature NOR did I receive a response at all. I sent in a 30 Day notification letter on XX/XX/XXXX, in which they received on the following dates : XXXX XX/XX/2022 XXXX XX/XX/2022 Equifax XX/XX/2022 According the FCRA, these items should be deleted. I am expecting the attached accounts be deleted for non-verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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: Credit reporting or other personal consumer reports

I recently noticed some hard inquiries on my credit report that I did not recognize. I contacted the credit bureau to report this issue. They advised me to reach out to each company involved and request a letter confirming that I reported the incident. Once I obtain this letter, I will need to return to the credit bureau and provide it, along with a dispute stating that the inquiry is inaccurate or unauthorized. This means it was not the result of any credit application I initiated, which will allow them to remove the hard inquiry from my credit report. I called the relevant company to discuss the issue, and they suggested I send a formal request. However, I have not yet received a response.
Product: Debt collection

They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is Hunter Warfield , Inc located at XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed some Hard Inquireies that I dont recognize. 

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

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

The debt was reported to my Credit report with a start date three years after I paid the debt. I tried to get the account removed from my credit report. The collection company states that the dates are correct and this is a valet dept.I did not receive a written notice with an opportunity to depute the dept.
Product: Money transfer, virtual currency, or money service

PNC won't allow me to transfer money to XXXX, a verified investment platform with large scale credibility.
Product: Credit reporting or other personal consumer reports

Disputed inaccurate charges on credit report from XXXX XXXX
Product: Checking or savings account

I mobile deposited a check XX/XX/2023 and a 10 day hold was placed on it. I have worked for the same company for over a yr. during which time i receive a paycheck every 2 weeks and deposit it, with no issue. I have had my account for at least 10 years with a positive and solid balance and never had any issues. I have had a few overdrafts, but this is a PAID service that is offered by the bank, this is not a penalizing issue, this is a servce i PAY for, for which the bank is happy to take my overdraft fees. The reason given for holding my check for 10 days ( an entire pay cycle ) is that i have had overdrafts on my account. This is not a relevant reason to hold my deposit, the check is good, i have deposited at least 25 identical checks with NO ( XXXX ) issues with them. My account is beyond good standing and has been so for at least 10 years, which should be a non-issue as well, the check is good, it should be available in a day. No other factor besides the check being " good '' should factor into holding my deposit. me using a PAY service should not hamper my ability to access funds from my account, unless my account would still be negative AFTER the deposit, which is not the case here, i will be positive over {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Document submission for complaints : XXXX # XXXX, TRANSUNION # XXXX, XXXX # XXXX.
Product: Vehicle loan or lease

XXXX XXXX with purchased out of state in Arizona from Kia dealer to be registered with XXXX  where I reside on XX/XX/XXXX. Kia made a mistake on original title registration with wrong middle name spelling with XXXX  DMV. I dont know if this is the fault of Kia Finance or Kia Dealer but it resides with Kia regardless. This further delay for Kia to receive updated title from Arizona. I had to call Kia Finance to trigger a state to state transfer. The request was not processed properly multiple times at which point I had to call in 11 times totaling 144 minutes. I have yet to get the title sent to Texas DMV. Texas DMV requires registration of car within 30 days of purchase or there will be fines levied on the owner for every 30 days elapsed. Currently it's been over 6 weeks or so and closing on the 2nd layer of fines assuming I get the title prior to the XXXX of XXXX. I have spoken to countless supervisors but each and every time I call, I get a different status, different excuse and different next steps of which some are not executed. The total fines levied on this transaction has now exceeded the total interest to be paid on the life of the Car Loan. Have I known how troublesome this was going to be, I would have just paid for the car in cash.
Product: Vehicle loan or lease

I have a Mercedes benz XXXX convertible. The convertible top got damaged and my insurance is will to pay XXXX $ to get it replaced. The only problem is the part is on back order.

It has been more than a month. Mercedes dont have ETA. They are not able to give me ETA. They dont wan na give me a new car. They dont wan na stop my payments.

Simply I am paying for a car that is not in my possession with no promises when they get it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on my XXXX XXXX that I had these inquiries made when I never wrote to these companies to pull my consumer report. Not only was my credit card ( social security number ) used without my written consent, for the extension of an yopen ended credit account, it was done fraudulently under a name that did not match my credit card and an address that was not real. I never received a right of recission. ( 15 USC 1635 ) let alone a finance charge which is necessary pursuant to federal law 15 USC 1605. to make things worse, this fraudulent activity wont end here, im sure they will send some sort of statements claiming I, The original creditor, owe a debt. Well, I want to make it very clear that i willl not pay that alleged debt. It makes no sense to pay money that my credit card originated. right? This headache has caused me mental harm because the Consumer reporting agencies XXXX XXXX AND TRANSUNION gave out sensitive informationg that they never had permission to. pursuant to federal statute, FCRA, my livelihood and reputation depends on the information and data that the aforementioned consumer reporting agencies harbor. Well, having those hard inquiries and extensions of credit under a mispelled name and also address that isnt even real has now caused me significant damage. my reputation and credibility have been damaged to a point where i must seek professional emotional and mental help. I will attach the FTC affidavit that was filled out. which took me more time to do off of their negligence. 

I filed the FTC report, i have now complained to the CFPB and I have my affidavit of truth with a whole lot of federal consumer right laws that have been violated. This will be the only opportunity that I will give XXXX XXXX and transunion to make it right and I invoke my specified remedy of {$5000.00} to be paid by each consumer reporting agency XXXX TRANSUNION AND XXXX, totaling {$15000.00} to be mailed out by XX/XX/2021 to the Consumer, I in Fact that you will see in the FTC affidavit that will be atttached. 

If a swift response isnt made on their end, I will continue with my affidavit of truth, citing over {$100000.00} woth of federal violations they willfully broke and my beautiful exhibits and I will notarize it and send it to the Attorney General and the XXXX and will take legal action.
Product: Checking or savings account

On XX/XX/XXXX I tried to use my debit card and it was declined due to insufficient funds. This was very odd to me as I knew what the balance in my account was. I left the store and while I was in my car I contacted USAA and stated that there was a charge for {$4500.00} on my account and I did not authorize it. XXXX XXXX told me that by Friday the XXXX the funds would be returned to my account. I stated this needed to happen as my payroll was set to be deposited and I also had bills coming out! The limit on my card is not even {$4500.00} so the card should have declined. my account is now over {$3800.00} in the negative! I called USAA on Friday as I did not see it returned and I was told there was a letter on my USAA app ( I checked and I did not ) Still nothing as of today XX/XX/2020. I was told that because my debit card had a chip on it there was nothing I could do! I did not choose to have a chip ( it was mandated ) On XX/XX/2020 I ordered a new card as I had left my purse in XXXX and when I went back for it it was gone!
Product: Credit reporting

Credit bureau must provide physical verification of original signed contract, according to FCRA 609 ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

The accounts are listed below. 
DEPT OF ED / XXXX - {$5900.00} DEPT OF ED / XXXX {$3300.00} DEPT OF ED / XXXX {$2800.00} DEPT OF ED / XXXX - {$2700.00} DEPT OF ED / XXXX - {$2500.00} DEPT OF ED / XXXX - {$2300.00} DEPT OF ED / XXXX - {$1400.00} US DEPT OF EDUCATION XXXX {$910.00}
Product: Checking or savings account

I received a letter from the Bank of the West that they would close my account with NO explanation and reasons.
Product: Debt collection

This debt was settled by XXXX XXXX in XXXX, Mi. on XX/XX/XXXX between XXXX and XXXX XXXX XXXX in Michigan and my attorney XXXX XXXX. After I moved to California in XXXX the debt collection was turned over to Resurgent. The Consent Judgement states I would pay {$1000.00} total to settle this account. I'm sure I have paid more than that. I have been dealing with Resurgent for the past 3 years trying to get them to abide by the XXXX XXXX. I finally received a letter from them dated XX/XX/XXXX stating they would accept a total payment for {$370.00}, they laid out the payment plan which stated the last payment would be XX/XX/XXXX. I'm still getting automatic debits from my account. I sent them a detailed letter via USPS Priority Mail ( I do have signature confirmation they received it ) last XX/XX/XXXX asking for an accounting of what I have paid and if I had satisfied the {$370.00}. I never heard from them. I want them to abide by the Consent Judgement and stop taking payments from my checking account. And release me from any and all liability.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due tXXXX XXXX  XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and Equifax. 

XXXX XXXX  {$8000.00} XXXX XXXX {$8700.00} XXXX XXXX XXXX. {$790.00} XXXX XXXX XXXX {$8000.00} XXXX XXXX {$4600.00XXXX XXXX XXXX XXXX {$790.00}
Product: Money transfer, virtual currency, or money service

On multiple occasions I was either charged the incorrect amount, denied access to a live teller/agent, had fraudulent charges and was unable to resolve in a timely fashion.
Product: Prepaid card

For two weeks I have no access to my account They have removed my active card and put an expired card on file so I have no access to my funds. Plus I had {$330.00} in my account they removed it and my balance was {$0.00} the next day it went to {$32.00} then to {$12.00} now it 's is back to {$32.00} my {$300.00} is still missing and my direct deposit was sent today I have the money in the account and no way to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate my consumer rights and is committing fraud by reporting inaccurate and unverified bankruptcy. The court has said they did not verify this inaccurate information and I demanded XXXX XXXX remove the inaccurate and unverified information they were furnishing to all CRAs. Experian 's willful noncompliance is causing unnecessary anguish and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law firm keeps spaming me with robocalls i talked to a a representative and asked to be put on the no call list yet i keep getting calls everyday today is XXXX  XXXX 2020 and it started on XX/XX/XXXX amd hasnot stoped id like to get to take them to court for disobeying my privacy act
Product: Credit card or prepaid card

Citibank falsely claimed in a response to CFPB complaint number : XXXX, advising the {$15.00} statement promotional credit that was acknowledged in the Citibank response letter to the CFPB, claiming that I qualified for the promotion. The letter stated it would simply post to my account in " 1 to 2 billing cycles ''. Well, 2 billing cycles have occurred, which are XX/XX/2021 and XX/XX/2021.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX Account number : XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : 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 XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

I have a mortgage serviced by NewRez and the payments are set up for automatic payments from a checking account. This has been in place for years with no issues processing my payment every month. On or about XXXX of 2022 the automatic payment did not process because New Rez said my checking account was 'Frozen ' but they did not notify me. I did not hear from them and when looking at my account history in XXXX noticed the payment was not debited. New Rez reported my payment XXXX days late. I contacted them and they could not explain why my payment did not process. I contacted them again and they finally explained their system showed my checking account as 'Frozen ' and that my bank would have to supply them a letter of explanation and they could correct the issue. I have supplied New Rez this bank letter several times now and they still have not removed the late payment reporting or the late fee they assessed. My bank letter states the account was never 'Frozen ' and so this was not my fault. As soon as I learned the payments were not made, I paid them, and I also had to reestablish the automatic payment service.
Product: Checking or savings account

Chase Bank made some deposits totaling about {$300.00} into my account. These were done by mistake. So they alerted me about 2 weeks later that {$500.00} some odd dollars would be withdrawn from my account, which it was. I understand the {$300.00} going back to them but the {$200.00} that they took is MY money. Ive been fighting this for 3 weeks now. Ive made numerous phone calls, spoken with at least 6 people, have been hung up on 3 times. My car insurance will be cancelled tomorrow because Chase wont send my {$200.00} back. Please help. I dont know what to do at this point.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Bank of America has illegally added a credit card account and living address to my credit report in violation of the FCRA. I do not have a credit card with this company, nor am I a authorized user. 

It was explain to me that it was a different social security to this account. I never had a card with this company under this account.