23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Wanted to see if a dispute was resolved but when trying to check submitted my information but the security questions come up they do n't pertain to me example car loan, mortgage loan I had placed a security freeze on my credit in XXXX but these loans are for XXXX XXXX and XXXX should not be. Never heard of any of these companies shown so was unable to dispute information since these questions asked are the only way to file a dispute and according to Equifax my answers do not match what they have on file for me. The credit report sent to me in XXXX does not mention any mortgage or car loans in my name. How can I dispute information if the information does not match. How can this still be happening with a credit freeze that has been in place for 9 years now.
Product: Credit reporting or other personal consumer reports

I sent the company certified letters XX/XX/year>, requested proof under under the laws of UCC 9.505 as well as State XXXX and XXXX statues. They were given 15days to provide proof and they fail to respond. 
Under UCC : 1. 9-506. EFFECT OF ERRORS OR OMISSIONS.

2. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

3. 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

4. 9-613. CONTESTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
Product: Consumer Loan

Wrongful repossession Financial Fruad -Wiring money ( unknown reason ) Toyota Financial Services ( TMCC ) and Lexus of XXXX -Asking for social security number and account number via text / email -Over XXXX dollars of unexplained charges and late fees -Repossession of vehicle with belongings inside, refused to inform me where it is to get my things unless I pay off vehicle -Term changes /mid deal changes after closing - Constant billing / late fee harassment ( unexplained ) - Credit denial so was forced to pay cash towards downpayment No one in the finance department or dealership will help they claim it has nothing to do with them
Product: Mortgage

On or about XX/XX/ we recieved a letter from truist mortage saying that they had bought our loan from plant homes. The letter came a month or so after payment was due never knowing the loan was bought out they said we where a month behind, they sent packets 4 times which we filled out 4 times asking if we could defer the one loan payment until the end of the note and set up direct withdraw and nobody will get back to help us.. its ruining my credit it wasnt proper communicated to us because notification was over a month late. Their failure to communicate with us shouldnt make it a emergancy on our end.. please call
Product: Prepaid card

On Saturday XX/XX/XXXX, I purchased a VISA vanilla gift card from XXXX XXXX with the amount of {$100.00}. I attempted to purchase the pay-per-view fight from XXXX for {$78.00} XXXX the card was declined. On Monday XX/XX/XXXX, I attempted to purchase a transcript from escribers for {$14.00}, the purchase was declined. I immediately called the toll free number on the card and was met with a sales pitch, that I had just won a {$100.00} gift card from XXXX but to receive it I would have to provide them with a credit card or checking account number and be responsible for {$9.00} processing and delivery fee. I declined and told them that I just wanted to activate the gift card, they were so persistent until it became contentious and they would not activate my card unless I agreed to surrendering personal information. I did not. I went online to activate it instead, when I pulled my card up it showed that my attempted purchase to XXXX was pending and it showed two purchases of equal amounts {$38.00} to XXXX XXXX XXXX and XXXX XXXX made right before my eyes. I clicked the icon to report un familiar purchases and it read " there are no purchases to dispute ''. I immediately contacted the call center for the second time and was met with the same sales pitch. I declined and told the operator what had just happened and that I needed to be connected with loss prevention, I was denied unless I agreed to the terms of the promotion. I called back three additional times with the same result. Vanilla refused to activate my gift card because I did not want to surrender personal information. I even asked if the could take the {$9.00} fee from the vanilla card itself, I was told no because it was not activated. I have purchased these cards for years and I have never had to call in and activate it, and certainly not have to surrender information and pay an additional {$9.00}. I believe that it was intentional to block the card to have me call in to activate, they unlock the card the whole while telling me they can't all the while clearing purchases. By the time I get off of the phone the money is already gone.
Product: Checking or savings account

Over the course of the last two years, First Tech has charged me overdraft fees 9 times ( {$33.00} each ), totaling {$290.00}. I never consented to overdraft charges on my account. Regardless, I found that First Tech applied overdraft fees on my account during times when there would've been a positive balance ( the dates of the account credit that would've taken the account to a balance that would've prevented the overdraft, and the overdraft dates shared the same account transaction posting date ). I would like to formally request a refund on the overdraft fees that were applied in these sitations. Additionally, the forms I signed for my account relating to overdraft settings were only supposed to be applied to the savings account, not checking account.
Product: Debt collection

On XX/XX/XXXX I submitted a dispute via XXXX XXXX in regards to an account that had been opened that I was not responsible for : CMNWLTH FIN - XXXX XXXX of XXXX - opened on XXXX XXXX XXXX in the amount of {XXXX}. I moved from XXXXXXXX XXXX  to XXXX XXXX, XXXX in XX/XX/XXXX, of which I was and still am able to prove. On XX/XX/XXXX the investigation was completed and the result was in my favor : XXXX deleted the account on record from my credit report. I went online today to see about what I can do to build my credit and I noticed that a new account has been added in the amount of {$1000.00} so I opened it to see into the details of the account and sure enough it is the same account, except now it's through a *different collection agency and has a **new open date : XXXX XXXX XXXX XXXX XXXX XXXX of XXXX - **opened XXXX XX/XX/XXXX in the amount of {$1000.00}. It is my understanding that this practice is called Re-aging / Re-insertion and is illegal. I have opened a dispute with XXXX XXXX for a 2nd time and I will follow through on that end, but I want to pursue all avenues to clear my name and record and hold these agencies responsible for the negative impact to my Credit Report & Score in addition to the likelihood that I'm not the only victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to buy a car, and the lender is attempting to pull my credit report but they are unable to pull my experian record because it's " Frozen ''. When I log into Experian to manage the freeze, it shows my report is frozen. When I click the button to unfreeze it, it just gives me an error and says to contact Customer Service. 

I've contacted Customer Service three times, who each time tell me the freeze has been lifted, or that there is no freeze, yet all of the lenders are receiving an error that my Experian file is frozen. This creates a very serious problem as Experian doesn't seem to see any freezes, yet nobody can run my credit because Experian is reporting frozen to the lenders. At this point in time, I can not apply for any credit, for anything, and Experian doesn't see any problems on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. I did NOT give written permission to anyone at any time to furnish this information. The following accounts have are in violating my rights. 

XXXX XXXX XXXX - Account. XXXX XXXX XXXX XXXX - Account. XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX - Account. XXXX XXXX  - Account. XXXX, XXXX - Account. XXXX, XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an ID theft report. Please find the required documents to assist in the blocking of the erroneous information that is being posted to my report. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

National recovery agency appeared on my credit reports for a debt that I do n't owe. It was on my credit reports as a bill I supposedly owed to a utility company. I have been fighting this for years as not being mine but still they persist on keeping the information as it is. I have disputed this debt several times as it shows on my reports as disputed. I would like your agency to investigate this matter because this supposed collection is hurting my credit health
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a XXXX 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 Was Made on Time : I made the required payment on time, as reflected by my bank statement. I have attached a copy of my bank statement, showing the payment was made before the due date, yet it was incorrectly marked late. 
No XXXX XXXX Notice : I never received a notification or statement indicating a late payment or any penalty associated with a late fee. This suggests that the payment was not considered late by the creditor at the time. 
XXXX XXXX on Creditors End : The payment delay resulted from a processing error on the creditor 's end, which should not reflect poorly on my credit history. The payment was processed late through no fault of my own. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX, 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
Product: Credit reporting or other personal consumer reports

Chime has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Chime, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where chime has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Chime inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got an email from XXXX XXXX  saying there was a change in my report. So I went and looked and there was a hard inquire from synchrony bank for a paypal extra Mastercard and I didnt apply for any credit card. I called the bank to have them remove it and they wanted my ss number to do it so I didnt want to give it to them and they hong up on me.
Product: Credit reporting

I am filing this complaint because transunion has ignored my request to provided me with the documents that their company has fine that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not veofly these accounts under section 611 ( 5 ) ( A ) of the FCRA thery are required to promptly delete all information which can not be verified * that ihave disputed please resolve ths manner as soon as possible thank you
Product: Checking or savings account

Company : HSBC I responded to mail promotion from HSBC ( copy attached ) promising a {$370.00} welcome deposit for opening a checking account, depositing {$10000.00} in the first 30 days, and maintaining that amount for 90 days. The mailing promised that I would automatically receive the welcome deposit approximately 8 weeks after the 90-day period. 

Timeline : - XX/XX/2019 : Account opened and funded with {$10000.00}. 
- XX/XX/2019 : 90-day period elapses ( balance throughout this period = {$10000.00} ). 
- XX/XX/2019 : This is now 8 weeks after XX/XX/2019 so I expect to receive the {$370.00} welcome deposit shortly. 
- XX/XX/2019 : I first try to contact HSBC at XXXX but am on hold for over 20 minutes  and hang up. 
- XX/XX/2019 : I again call HSBC and speak with someone who confirms I have met the offer conditions and says she will get back to me within 48 hours to advise on when I will receive the {$370.00} welcome deposit - XX/XX/2019 : There has been no follow up from HSBC so I call again and speak with a different person who explains that he will need to submit another inquiry with the marketing team and will call me back no later than the following Monday ( XX/XX/2019 ).  Since the person I am speaking with says he has no authority to resolve my issue, I ask to speak with a manager or directly with someone from the marketing team, but am told that is not possible. 
- XX/XX/2019 : Six days later, there has been no follow up from HSBC so I call again. Again I am told that the person I am speaking has no authority to resolve my issue and they will need to submit another inquiry with the marketing team. They can not provide any timeframe for when to expect the issue to be resolved so I tell them that I have not received the welcome deposit I am owed within two days, I will have to file a complaint with the CFPB and the California banking regulator. 
- XX/XX/2019 : I have still not received the funds I am owed or any follow up from HSBC so I am submitting this complaint. 

There are numerous other complaints on the CFPB website regarding similar facts so clearly HSBC is engaging in a pattern of behavior -- promising welcome bonuses for opening accounts and then failing to carry through with their promises. In my case, the bank has had ample notice of the issue and time to respond. Their ongoing failure to correct the error amounts to an intentional act to harm a US consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/2021 I called EQUIFAX due to seeing a creditor on my consumer credit report, that should not have been on there. I called EQUIFAX and spoke with one of their representatives and informed them that the account should not be on my report. They informed me they would dispute the account and would send me the results in the mail. I received a letter dated XX/XX/2021 from EQUIFAX stating the account had been removed. Due to this being my consumer credit report, and inaccurate information being added to my report, it is a violation of Title 15 1681e ( b ). EQUIFAX has shown negligence in not proper justifying the information in which they added to my consumer credit report, resulting in damage to my consumer credit score, reputation, as well as character, which is also a violation of Title 15 1692e ( 2 ) ( A ).
Product: Credit reporting

I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do 10 disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : XXXX XXXX XXXX The date XX/XX/XXXX does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state XXXX XXXX The date " XX/XX/XXXX '' does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state XXXX XXXX The date " XX/XX/XXXX '' does not exist A bankruptcy must be reported as a bankruptcy and not as a " XXXX XXXX '' Liability amount " XXXX '' is not valid XXXX is not the correct accurate Court must be listed with the city and state
Product: Bank account or service

Opened a business checking account with Suntrust XXXX 2015. Was notified XXXX XXXX that account had to be closed because they made a business decision to no longer service our industry. XXXX XXXX loans ). 
The bank personnel admitted that the decision was made due to the FEDERAL GOVERNMENT PRESSURE TO NOT CONDUCT BUSINESS WITH A PAYDAY LOAN COMPANIES. ALSO KNOWN AS AN ILLEGAL BACKROOM POLICY NAMED 'OPERATION CHOKEPOINT '!!!!!!! 
WE ARE A SMALL FAMILY OWNED BUSINESS THAT IS BEING CRUICIFIED & CRUSHED DUE TO THIS IGNORANT POLICY!
Product: Credit reporting or other personal consumer reports

Inquiries : XXXX XXXX of XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Also, there are 12 negative items on my credit and those accounts should be included on my bankruptcy chapter XXXX XXXX on XX/XX/XXXX Respectfully,
Product: Debt collection

I request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Given the current economic challenges we face, I can not afford to have incorrect data negatively impacting my credit score. I am aware that you are required to complete your investigation within a thirty-day timeframe, and I will anticipate receiving an updated copy of my credit report reflecting these corrections within thirty ( 30 ) days. XXXXXXXX XXXX XXXXXXXX XXXX. I appreciate your attention to this matter and look forward to a prompt resolution. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX website informs me that my credit card has been permanently closed, written off, and acquired by a third party. SEE ATTACHED DOCUMENTS Yet XXXX  XXXX Reports to XXXX Trsnsunion, and XXXX that the account is written off, currently past due XXXX as of this month, and that XXXX is over XXXX XXXX limit so my credit utilization is 120 % Since XXXX  XXXX no longer OWNS the account, they can not report it as past due as of this month, XX/XX/XXXX, or any month they haven't owned it. Therefore the balance should be XXXX for XXXX  XXXX since they wrote it off and someone else acquired it. And since balance should be XXXX, they can not continue to report it past due as of XX/XX/XXXX, or any month. SEE ATTACHED DOCUMENT WITH THE WAY ALL XXXX XXXX CONTINUE TO REPORT Crdit Bureaus won't even look at it, speak to me on the phone about it, or anything, because they almost instantaneously respond to my dispute that XXXX XXXX has confirmed and they won't they wont even look at my paperwork that says differently THIS ACCOUNT HAS BEEN WRITTEN OFF FOR SINCE XXXX