23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to submit a comprehensive formal complaint against XXXX, Experian, and XXXX, collectively for multiple violations of the Fair Credit Reporting Act ( FCRA ) and financial privacy laws. As a consumer, I have identified instances where each of these consumer reporting agencies has failed to uphold their responsibilities under the law, resulting in unauthorized and inaccurate reporting of my credit information and as a consumer, I have never given these credit reporting agencies any authorization or permission to report anything on my report ; they never even asked me to report anything on there in the first place. 

1. Unauthorized Furnishing of Information ( 15 USC 1681 section 604 a section 2 and 15 USC 6801 ) : XXXX, Experian, and XXXX have consistently furnished my private information without my explicit written consent, a direct violation of 15 USC 1681 section 604 a section 2. According to 15 USC 6801, financial institutions, including consumer reporting agencies, must respect the privacy of their customers. The actions of these agencies have failed to meet these statutory obligations.

2. Inaccurate Reporting ( 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e ) : XXXX, Experian, and XXXX 's reporting has been inaccurate, contravening 15 U.S. Code 1681s2 ( A ) ( 1 ) A, which prohibits the furnishing of information to consumer reporting agencies if there is knowledge or reasonable cause to believe the information is inaccurate. Additionally, consumer reporting agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to avoid violations of the FCRA, a duty they have not fulfilled.

3. Adverse Item Reporting Without Consent ( 15 USC 1681C ( a ) ( 5 ) ) : XXXX, Experian, and XXXX have reported adverse items without my explicit consent, violating 15 USC 1681C ( a ) ( 5 ), which restricts the inclusion of adverse information without the consumer 's permission.

4. Civil liability for willful noncompliance ( 15 U.S. Code 1681 ( n ) ) : I have submitted a complaint before to each credit reporting agency listed in this complaint so willful noncompliance can easily be proven as they had a full understanding of the violations after I complained the first time.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


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. 


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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/2018, I called Bank of America about using an access check to pay for my daughter 's baptism reception. I asked the rep, " If I used the check, would I get the points? If not, I will just pay cash ''. The rep got off the line to speak to a supervisor and came back and said yes. It is on a recorded call. When the check went through, the points did not appear. When I called back on or about XX/XX/2018, the rep stated that they previous rep should not have said that, but that they would give the points as a courtesy and honor what they had told me. Again, this is on a recorded call. On XX/XX/2018, I called the bank to ask why the points have not appeared. The rep ( who was not friendly at all ) stated the request was denied. And, the rep denied my request to reverse the {$180.00} transaction fee in exchange for not providing the points. 

I have been a long time customer of the bank and have never been treated this way. I would not have used the check if I had known they would treat me this way. They should be held to honor what they represented to me ( give me the points ) or reverse the transaction fee.
Product: Payday loan, title loan, or personal loan

I recently had my credit information researched by a ID credit protection company and they informed me of the following information. I have never applied for a payday loan. 
Some one has used my name or SSN without my knowledge or approval. I don't understand how this could happen without me being contacted for approval. On XXXX separate occasions. If I had not had my information researched I would have never known. 

Your Social Security number and/or name has been found associated with a new non-credit loan. 

Merchant XXXX : XXXX XXXX XXXX Merchant Location : XXXX XXXX, CA XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX Customer Support : XXXX Fax Number : XXXX Email : XXXX Merchant Phone Number ( XXXX ) XXXX Loan Date : Unknown Loan Amount : {$850.00} Loan Status : Collections Loan Date : Unknown Loan Amount : {$900.00} Loan Status : Collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft my personal information has been in data breeches and my wallet was stolen spring of XXXX. I have reached out to Experian XXXX, XXXX XXXX, and XXXX. none of which can seem to do the right thing and removing accounts, inquires, addresses and names that are FRAUD ON MY REPORT. I AM SUBMITTING ALL SUPPORTING DOCUMENT HERE AS AN ATTACHMENT. THESE AGENCIES LOVE TO SAY THEY CANT IDENTIFY ME OR THERES AN ERROR PLEASE NOTE I HAVE TRACKING NUMBERS FOR THE DOCUMENTS BEING SENT TO THE AGENCIES THAT TOO WILL BE ATTACHED ; consumer reporting agency shall BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( ( 4 ) ) ) business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) I HAVE MANY NAMES, INQUIRES AND XXXX ACCOUNTS THAT DO NOT BELONG TO ME. NAMES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Rabobank NA is hassling me when I call in for help with online banking. 

Today is called my local branch to reset my password was told some very simplistic thing then called the other numbers. Despite trying to reset online and asking for online support I went back home and tried calling again. 

I just get attitude from them. They wo n't help. The girl at me local branch snapped at me. This is some who has been helpful in the past and is suddenly aggressive, not listening, seems very passive aggressive, she is telling me to not raise my voice and they refuse to help me. 

She even said I would n't be able to resolve it at my local branch in XXXX XXXX, CA either. I feel like I wasted my entire morning on these people who are just rude from the get go. They do n't appreciate people and seem to be waiting to set you up with lots of inappropriate questions. The are apprised of account activity and yet I 'm waiting for some help. 

This is very unprofessional and I want to file official complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Equifax credit report, there is a credit inquiry made by XXXX XXXX on XX/XX/18. I never contacted this company for any kind of services. I have called XXXX XXXX, they said that they don't have any accounts opened in my name, so they are not able to further look into this matter. 

I have made a dispute with Equifax on XX/XX/18. After the investigation, they said that " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NE XXXX ''. 

The current situation is, Equifax is pointing to XXXX XXXX, and XXXX XXXX says that they don't have any open account in my name, so they are not able to investigate further. 

I am not sure how XXXX XXXX got my SSN and authorization to have a credit check. 

I am stuck in a situation without any proper closure for this issue.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with the consent of my wife, for whom I have a valid power of attorney conferring the power to enter into promissory notes. Payoff refused to speak with me about the account, including refusing my offer to provide the power of attorney.
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. 

Account Name : XXXX  Acct # XXXX Account Name : XXXX XXXX XXXX XXXX Acct # XXXX Account Name : XXXX Acct # XXXX Account Name : XXXX Acct # XXXX Account Name : XXXX Acct # XXXX Account Name : XXXX XXXX Acct # 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, credit repair services, or other personal consumer reports

Experian is incorrectly reporting In accurate information on my credit report that's causing me serious issues. They are Saying that I'm late on payments for a car that I currently finance ( XXXX XXXXXXXX XXXX ) that is not true at all. They are saying I have a open derogatory with XXXX web bank and they are also saying I owe for credit cards that's been paid off years ago ( XXXX XXXX and XXXX XXXX All these things are saying that it's current but it's really not. The next thing that im gon na file is a lawsuit in court next.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX VIA XXXX  " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX Experian and XXXX, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1 " XXXX XXXX XXXXXXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including XXXX from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

Sincerely, XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Request for Removal of Personal Information Due to Domestic Abuse, Identity Theft, and Safety Concerns. 

Transition, XXXX, Equifax and other reporting agencies. 

I am writing to urgently request the removal of all addresses and phone numbers associated with my credit report due to the following reasons : XXXX XXXX  : As a survivor XXXX XXXX XXXX the presence of my personal information in your records significantly endangers my safety. The XXXX  may use this information to locate me, which places me at imminent risk of further harm. 

Identity Theft : I have been a victim of identity theft, and my personal data being accessible increases the chances of further fraudulent activities that could cause severe financial damage. 

Safety Concerns : The retention of my personal information by XXXX, XXXX, and Equifax and other reporting agencies compromises my safety and privacy. Given the circumstances, it is imperative that my data be removed to prevent any further threats. 

I request that you take immediate action to remove all addresses and phone numbers from my credit report. Please confirm in writing once these details have been successfully removed. 

Thank you for your prompt attention to this critical matter. I appreciate your understanding and cooperation in ensuring my safety and well-being.
Product: Credit card

Last year, I opened a credit card without realizing there was a membership fee associated with it. When I contacted the credit card company at that time, they informed me that it was too late to cancel the card, and I would still be required to pay the fee even if I canceled the card. They advised me that I could opt out of renewing the membership the following year. Today, I noticed that the annual membership fee was posted on my phone app once again, with a due date of XX/XX/XXXX. Upon contacting the company, I initially spoke with XXXX, who explained that while she could cancel the card for me, she could not waive the membership fee, even if I chose not to renew it. Requesting to speak with a supervisor, I was transferred to XXXX, who stated that she was the highest authority I could reach. Despite my explanation of the previous year 's conversation, she reiterated the company 's policy and declined to waive the fee, citing banking regulations. This appears to be a recurring issue where customers have limited options to halt the renewal process and are consequently charged the membership fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, XXXX XXXX, sold my mortgage to their sub servicer company, XXXX. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A XXXX XXXX  representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on Transunion and XXXX  as those reflect the 15 point reduction. XXXX  hasn't updated this yet.
Product: Credit reporting or other personal consumer reports

During the XXXX XXXX I was the victim of identity theft as were many of us. Needless to say I began reaching out via phone and XXXX Mail to XXXX, XXXX, and EQUIFAX. Despite my efforts to protect my identity and my non-public personal information the aforementioned agencies not only allowed my information to be used, misused, and abused but after I reached out there were still a staggering amount of inquiries added to my credit report at an alarming rate and attack the accuracy as I humbly requested they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is not reflecting the correct amount of payments and the balances are not treated as according to law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 USC 1681 Section 602 Section I have the right to privacy.

15 USC 1681 Section 604 A : Section 2 : It also states a consumer reporting agency furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with XXXX   had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XX/XX/XXXX, and became no longer in collection when I made the final payment. This holds true for Equifax. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XX/XX/XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX Charge-off {$770.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave TransUnion permission to report anything on me? I need answers now. Im XXXX XXXX!
Product: Checking or savings account

Opened an account without issue and deposited a certified cashiers check from my previous bank. All was good and clear then Truist decided to flag my account as potentially fraudulent and will not return or allow me access to my legitimate funds. I've been in contact with them with no resolution and no information. They won't tell me why and won't allow me access to my funds they know are legitimate but they certainly accepted it without issue. I now have no way to pay my bills or continue my livelihood due to Truist.