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

Their are two fraudulent inquiry 's in my credit report with Equifax from XXXX XXXX and XXXX. These inquiry i did not request or approve. Police report and dispute was file and no action has been taken to remove from credit report. Please assist with the removal of these two inquiry
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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I have been dealing with this nonsense since XX/XX/2020. XXXX fraudulently charged my account for the amount of {$130.00} ( or whatever XXXX times 2 is ) I have proven to my bank BOA through photos from shipping company, photos taken within my HIGHLY secured building signed by management and dated, reports from police, Postal Inspector mail identity theft reports and Postal Inspector crime reports, reports with the XXXX XXXX XXXX and the fact I have a name XXXX XXXX of which there are over 19 email correspondence with that they know they have fraudulently charged me. They know they are illegally holding my money but they absolutely refuse to give me my money unless I drop all charges against them. Which I will not do and it is illegal for them to even demand that.
Product: Debt collection

I have received a debt collection letter for a toll violation for a vehicle that I owned in XXXXXX/XX/2018. The violation is listed as occurring on XX/XX/2018 and the license plate number is XXXX and I do have that license plate registered to an existing vehicle and in XXXX it was licensed to another vehicle that I owned. 

The license plate and vehicle have a valid XXXX registered to that plate and vehicle combination. The vehicle indicated did travel through Maryland on XX/XX/2018 through the tunnel in XXXX MD via the XXXX lane. 

It is not my fault that the state 's equipment failed to detect my transponder, and the proper course of action would have been to confirm that the vehicle is registered for XXXX but Maryland and XXXX XXXX XXXX appear to be conspiring to operate a grotesque revenue enhancement scheme to the detriment of lawful XXXX holders.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Vehicle loan or lease

On XX/XX/2019 a demand was sent to pay {$2500.00} after a nissan XXXX was taken at the end of a lease. This information is on my credit record and needs to be removed or my attorney has advised me he will file suit against Nissan Motor Acceptance Corporation. The funny thing is the nissan dealer who leased the auto has since sold me 2 more autos and assured me this would be taken care. This will be my last effort with Nissan before suit is filed.
Product: Mortgage

On   XXXX   XXXX   I notified  U.S.  Bank regarding a change in my insurance coverage. After a very unpleasant conversation with her, she was very rude ... and hung up on me. I called back supposedly spoke to a Supervisor who assured me the information was in the system even read back to me the name and date due of the new policy. I filed a complaint against the person who originally hung up on me, that was filtered and I was told would need to provide more information through a signed in account with them which I was NOT willing to do. Fast forward to today, a month later, I got an email stating my insurance was never paid and past due. So I called back and I was very upset, because I had already notified them a month prior and now I was on the verge of being unprotected and and at potential risk. I received the same rude customer service I had received prior so apparently this is a pattern with them and the same run around from the person on the phone claiming they did n't know, they never knew, never notified, never received a bill, etc. etc. Funny thing is I had called and talked to the insurance company prior to and they stated they sent  2 invoices one  original and  one  past due. Now I needed to AGAIN do their work for them while the whole time they hold my monies for these types of payments. When I asked for the monies to be stopped and I would just pay myself the person laughed and said I do n't have that authority because of the " type '' of loan I have. He also stated that they would only make one payment per year and this is why it was n't paid????
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me
Product: Credit reporting

all fraudulent 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/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of the credit reporting agencies to remove adverse information from my credit report despite my status as a survivor of human XXXX, and my previous submission of the necessary documentation in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

As a survivor of human XXXX, I am protected under FCRA Section 605C, which mandates that credit bureaus block and remove adverse credit information related to fraudulent accounts or debts incurred as a result of my XXXX  situation. On [ date ( XXXX ) of previous submissions ], I mailed the required documents, including proof of my XXXX  status and identification of the fraudulent accounts. However, despite complying with all the requirements, the credit bureaus have failed to take the necessary action to block and remove this information from my report. 

The continued presence of these inaccuracies is causing significant harm to my financial recovery, and it violates my rights under FCRA Section 605C. I am requesting the CFPBs immediate intervention to ensure that the credit bureaus comply with their legal obligations and remove the adverse information from my credit report.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below :XX/XX/2018- 30 DAYS LATE XX/XX/2018 - 60 DAYS LATE XX/XX/2018 - 90 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

I have a small limit Old Navy credit card from synchrony Bank. On XX/XX/19 I was sent a letter that, because my credit score dropped a few points, they closed my account. The balance was XXXX, and there had never been a late or minimum payment on the account. 

My complaint is the unfair penalization of closing my account, further lowering my credit score, when I never had a late payment or any other issues paying this account, or any other credit cards. Also requiring me to take yet ANOTHER hit to my credit score if I ever wish to apply again. 

How is this practice even legal?
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 Account Type Balance Date Opened Collection {$380.00} collection bureau of a has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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: Mortgage

Shellpoint Mortgage Servicing has failed to properly credit my account with received payments. There are outstanding issues regarding the allocation of remaining Trustee payments and the monthly mortgage statement balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that Credit Bureaus must look into this matter as required to do so under the FCRA. If CREDIT BUREAUS do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please fix these Accounts from my report : XXXX  XXXX XXXX Balance Owed : {$1.00}, XXXX XXXX  XXXX XXXX Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As has happened many times before when requesting all three credit reports through XXXX XXXX XXXX, I might get one or two reports before the process goes off the rails. Today a report was received only from the first one I picked, XXXX. When it came to the next report, the URL XXXX XXXX XXXX showed ERR_CACHE_MISS. Going back to the first website failed to return me to where I could pick another reporting agency, it sent me back to where I had to put in all my information again. After doing that : XXXX results : We're sorry, for your protection we are unable to deliver an XXXX  Free Annual Credit Report over the Internet.

Experian results : A condition exists that prevents Experian from being able to accept your request at this time.

It's pretty clear that the latter two companies already registered my request for the reports even though they failed to actually provide those results.
Product: Credit reporting or other personal consumer reports

Both XXXX and LVNV Funding are reporting false information on my credit report. According to their records I have a charged off account with XXXX XXXX XXXXXXXX XXXX as of XX/XX/2023. I did not have an account with XXXX XXXX at that time and have not had an account with the company in quite a while. These XXXX companies have failed to provide me with an itemized list of what these charges they are claiming I owe are for nor have they provided me information in relation to how I owe this alleged debt as I have not held an account with that company during that time. I would like to see the final bill in my name with the address I was residing at the time this so called money was owed. Also please provide proof that comenity bank XXXX XXXX has sold this alleged debt to this company.
Product: Debt collection

After reviewing my consumer reports, I noticed this account NCB Management Service Inc. I have not received any goods or service from this company : nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and DOB. As I know that only a contract/signed agreement between NCB Management Service Inc. and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company or any agreement. 

I continue to receive emails and phone calls from this debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about DISCOVER BANK. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX on XX/XX/2024, XXXX XXXX XXXX on XX/XX/2024 & XXXX XXXX  on XX/XX/2024 Needs to be deleted from my consumer report immediately. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and delete these items from my report. It is my understanding that you will verify these items with the relevant creditor. If the creditor can not verify the information, please remove it. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter. 
Furthermore, I kindly ask that you send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has accessed my credit report in the past six months of any corrections made. 
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX XXXX XXXX  because my paid-off auto loan isn't showing up on my credit reports from XXXX, Experian, and XXXX. The loan, which I paid off in XX/XX/year>, is completely missing from all three reports.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX. Account # : XXXX XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan

I barrowed {$800.00} dollars, they said there would be a one time service fee of {$400.00}. They took out {$2400.00}, and none of that has gone to the loan amount. They recently changed their name from XXXX to BigPicture Loans. The information they sent me this month shows they are charging 758.833 % interest. I had my bank stop the automatic withdrawals. They expect me to pay {$6200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report multiple credit inquires that were not recognized and still remain on credit report.