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

I purchased a vehicle through XXXXXXXX XXXX, the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very XXXX and was and still am in the XXXX.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XXXX XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX the ceo, the vp and several other executives..XXXX XXXX is owned by XXXX and I reached out to them also, the ceo at Bridgecrest ( financial ) and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that Bridgecrest, XXXX XXXX XXXXXXXX XXXX have committed..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Credit Report Dispute under 15 U.S.C. 1681 ( e ) To Whom It May Concern, I am writing to formally dispute the accuracy of the information listed on my credit report, as per the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. Specifically, I have identified the following inaccuracies that I believe require correction : 1. Account Name : U S DEPT OF ED XXXX  Partial Account Number : XXXX o Date Reported : XX/XX/XXXX,, XXXX o Nature of Dispute : Identity Theft. I believe this account was opened fraudulently in my name without my authorization. 
As per the Fair Credit Reporting Act, I request that you conduct a thorough investigation into this matter and update my credit report accordingly. Under 15 U.S.C. 1681 ( e ), credit reporting agencies are required to investigate disputes within 30 days of receiving a dispute notification. 
To assist in resolving this issue, I am attaching the following documents : Please see attached Data Breach supporting documents. 
I respectfully request that you remove or correct this fraudulent information on my credit report immediately. Please provide me with the results of your investigation in writing and include any actions you have taken to resolve this matter. 
Thank you for your prompt attention to this dispute. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, and I also didn't authorize these credit inquiries. My name is also incorrect and is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXX Bank SS Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXl Account # XXXX {$350.00} XXXX  Account # XXXX {$2800.00} XXXX XXXX XXXX # XXXX {$25000.00} UNKNOWN INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Debt collection

This is my XXXX submission. This is not an issue for the FTC. It is a violation of the FCRA Section 623 ( a ) ( 1 ) ( a ). I settled this debt with Rushmore for my XXXX card. I disputed it with the credit bureaus..they sent the dispute to XXXX XXXX and they simply applied the settlement to the balance and left a balance on my credit file. This is willful negligence of compliance with the Fair Credit Reporting Act. CFPB is an entity that enforces these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I recently received a bill from Macys that showed a statement balance that was over {$900.00} more than what I had already been paying on auto pay. After noticing the charge, I pulled up my Macys account and looked at some of my recent purchases. Upon reviewing my purchases. I noticed that there were three charges for womens items that I did not purchase. I am a man who who wears extra large clothing. If I have ever purchased any womens items, they have been for my mother, who wears a large or medium. 

The clothing that was purchased on the card were extra small and small womens clothing. When I reached out to XXXX and let them know that there were fraudulent charges on my account that I did not recognize ever I thought they would be able to help clear them. I have tried to get those charges removed from my account twice now and both attempts have been denied with Macys stating that Ive benefited from those purchases. I guarantee you I did not benefit from those purchases of womens clothing that neither I or anyone I know is wearing or using.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experain Information Solutions , Inc and XXXX XXXX XXXX XXXX have recklessly failed to follow reasonable procedures to ensure the accurate reporting of my credit under the FCRA Notice on the XXXX XXXX XXXX, XXXX wrong information as to # 2 ( You have too many delinquent or derogatory accounts ) only. 

In addition, I contacted both agencies ( Experian and XXXX XXXX ) in regards to the recent reporting of my credit report. I attempted to get credit with XXXX XXXX and XXXX  XXXX XXXX. Both creditors reported back the following on or about XX/XX/2021 1. Balance on your accounts is too high 2. You have too many delinquent or derogatory accounts and ; 3. The total of all balances on bankcard or revolving accounts is too high.

This information would be totally old and incorrect. I have no balances on any of my revolving accounts and havent had any for more than 60 days.

Misreporting such information after being made aware willfully and/or negligent violates Section 1681 e ( b ) of the FCRA. Such action of delayed or failure to update reporting files in a timely matter also violates Section 1681 I of the FCRA. 

I was denied a mortgage and housing rental due to the negative and incorrect information provided by these two agencies. The information being reported to creditors is old and outdated by at least six ( 6 ) to eight ( 8 ) months. 

I am demanding that they correct the information within my report and provide me written notice that it has been corrected in writing.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late ( XX/XX/2019 ) and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. I already talk to my bank and they told me to make a claim to credit agencies for incorrect information. 

For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX XXXXXXXX. 

I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

Under the code 15 usc 166b I have to be notified 21 days prior for a late payment to be reported late. I was charged a late payment fee and a late payment was illegally reported on my credit report. I would like them to abide by the law and remove the late payment off my credit. I have asked to be sent FULL accounting and have not received FULL accounting.
Product: Credit reporting or other personal consumer reports

I have 2 fraudulent inquires with BMO HARRIS bank and XXXX XXXX  that are reporting to my credit profile. I believe I am a victim of identity theft. On XXXX XXXX XXXX, someone applied for two credit cards in my name that I did not authorize. To be clear those inquires are with BMO HARRIS and XXXXXXXX XXXX. I know for a fact it is fraudulent because the information attached to the inquiry is incorrect. The address and the phone number are both incorrect!! This is negatively affecting my credit score because I am trying to get a new car and new house and banks see these new fraudulent inquiries reporting to my credit profile which can get me denied. I need these fraudulent inquires removed immediately. It is illegal to report false information to my credit report!! Please contact me back as soon as possible with these inquiries removed off my credit report!! Thank you!! My email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/. I received a notification via the XXXX XXXX stating that my credit report was obtained. 

I did not give these companies the authorization to run my credit. 

These inquiries are going to have a HUGE NEGATIVE impact on my credit score. 

I need these companies to tell me why they ran hard inquiries on my credit. 

Who gave you the authorization to run my credit?
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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.

This company 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: Credit reporting or other personal consumer reports

someone is using my social security to apply credit card, i had a lot of inquiries, i would like to delete it
Product: Debt collection

Collector called my cell after being told not communicate via mail only, calls to my cell number incur charges. Collector refused company name even after being made aware of FDCPA violation. Reluctantly, I provided my information and was given her company name. I advised collector at that time of violation for calling my cell phone as well as refusal to provide company name and that two collectors from same company calling me simultaneously on 2 seperate accounts. Also, company is aware of payments being made on account with legal proceedings. Collector responded with she can do whatever she wants and I need to pay. She was rude and holds no value to laws set to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 602 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

The account has been paid in full. It keeps coming back.
Product: Checking or savings account

my bank account with capital one has been frozen since XX/XX/XXXX, they froze it for a reason they still won't share with me. they sent me a check for my checking account but still won't send me my check for my savings, that has over {$23000.00} in it. They have not let me get any access to my money and it has almost been a month. They keep saying they don't know when they'll have it by. It is absurd! That is my hard-earned money from my job and I need it NOW.
Product: Checking or savings account

I've had a checking and savings at Wells Fargo for over 22 years. I've never bounced a check or gone overdraft that I can remember. XXXX yo I'm XXXX I have no driver 's license and I XXXX miles from the nearest wells fargo. I do a lot of my shopping on line for those reasons. Probably 80 percent of my shopping is on line. Recently I got laidboff my supplemental job and realized I wouldn't be able to make my loan payment that is set up to be deducted from my savings on auto withdraw. So I called Wells Fargo and explained my situation. I ask wells fargo to stop the payment till i could figure things out.The very next day I went to my one banking sight to check my account and I'm suddenly {$1100.00} over drawn in my savings. So I called Wells Fargo and ask them how this is possible. They explained to me that Los prevention put a strong hold on my account and my XXXX XXXX XXXX got returned. I thought that was odd cause that check had come in three days prior to this situation in fact I had already withdrawn the money and paid bills with it. They transfered me to loss prevention. The guy working in loss prevention said I do to much online shopping with high risk websites and that they were going to close my accounts. Sense then they have denied several disputed transactions and they have went back and changed some of them that were already approved to denial I am now {$1600.00} over drawn. I've had to pay friends several XXXX dollars to give me rides to XXXX so I could open newvaccounts and change my profile at social security. My car is getting repossessed cause this set me back so far I couldn't make the payment. I'm being charged extra rent for being late. I feel that wells fargo singled me out cause they found out I lost my job. To me that is discrimination.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX The wrong status is being reported LATE PAYMENTS BEING REPORTED XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Validate Account XXXX XXXX XXXX Transunion : XXXX The wrong status is being reported REPORTED LATE ON TRANS UNION BUREAU
Product: Credit reporting or other personal consumer reports

I have been attempting to resolve issues with the three major credit bureausXXXX, TransUnion, and XXXX over 3 years. During this time, they have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to update or correct information on my credit report. Despite providing the required documentation, including identification and other requested documents, they have repeatedly failed to process my information properly. 

Instead of resolving these issues, the credit bureaus have sent multiple letters containing stall tactics and excuses for not addressing the situation. I have complied with their requests and sent the necessary documents numerous times, but my efforts have not led to any meaningful resolution. 

Given the ongoing failure of the credit bureaus to follow the law and rectify the errors, I am left with no other option but to contact the Attorney Generals office to file a formal complaint and seek further action to enforce my rights under the FCRA.
Product: Checking or savings account

There is a fraudulent charge on my debit card from XXXX for {$950.00} on XX/XX/XXXX in Arizona. I called Regions Bank to have the transaction disputed. The claim keeps getting denied because they say it was a contactless authorized purchase. The card has never left my possession. I dont use e-wallets or have recurring charges on this account. All purchases on this account have only been made in Florida, specifically in XXXX and XXXX. There are no out-of-state charges on this account and I have not traveled out of Florida since the pandemic XXXX in XXXX. 
The bank can not give me any information on the TMII. They can not tell me what was purchased, or if a pin or signature was used. They told me they could not give me the information they used to determine this case. 
You can not escalate the call for any additional help. They can not give out information on corporate address, manager/supervisor names, departments, or even the phone numbers they are transferring you to before you get disconnected. 
I did not make this purchase. I want my money credited to my account.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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, 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 reporting or other personal consumer reports

"

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B sinc e I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"