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

In XXXX with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 
Account name XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Individual Charge Card, Soft Inquiries by : 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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My Truist account was closed and I am unable to open an account with them or any other financial institution. I replied to a job offer a a XXXX XXXX  and they sent me fake checks insisting that they were real and I would be working for their company. However, this company has been producing fake check with my name printed on them. I would like to explain this was not to my knowledge or the bank tellers knowledge when I deposited the checks. I had no one explain to me what should be done. I was simply looking for a side job for a car. I am currently employed in a XXXX XXXX XXXX as an XXXX XXXX and work full time and am in need of a place to exchange money.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Credit Acceptance transferred the XXXX XXXX into their name as a repossession. However, prior to that Credit Acceptance accepted payment and returned the vehicle. Thereafter, Credit Acceptance refused to reissue a new title making the vehicle unable to be registered. No further payments were made and Credit Acceptance refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the Sheriffs Office was notified and an abandoned vehicle report was filed. Credit Acceptance was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXX of XXXX. However, Credit Acceptance continues, and for the last seven years, reports the vehicle 180 days late. Purposely, harming my credit.
Product: Credit card

Synchrony bank card ( carecredit ) website is chronically unavailable. Usually it takes several tries to get logged in to pay bill, but today, I was continually rerouted to different screen. 
After 35 minutes of attempting unsuccessfully to log in, I called Synchrony, to make credit card payment over phone, giving operator the amount I wished to pay and debit card information. I told her that the online login, as typical, was down. She informed me that the website was fine - that there was no problem with website. 
As we talked, I checked my checking account, which stated that she had taken out a different amount than requested ( I gave her correct amount twice ). She then blamed me for her putting in the wrong amount because, when I called, I was " upset '' about the website and she was distracted because she was trying to " calm me down. '' She informed me that she would void the payment and put in the requested amount. However, I told her since the incorrect amount had already been removed from my checking account, I would wait until the voided payment was credited to make the corrected payment ( typically several days ). I told her this explicitly and my reason for not putting the correct amount through today. 
Directly contradicting my request, she went ahead and processed the correct amount so my checking account is now shows a double charge. Given the context of the conversation, I believe that the first debit she made was a genuine mistake but that she put the second XXXX through deliberately. It is true that I was very upset by the time I called Carecredit ( not profane, not personal, not threatening, but upset ) but I do not believe this justifies taking money out of my checking account without my permission. 
I am making this complaint ( 1 ) because the creditcare website is chronically malfunctioning ( 2 ) customers calling in payments after fiddling with website for 35 minutes should not be told to " calm down '' and that the website is fine ( supervisor later acknowledged that login on care credit is spotty XXXX users ) ( 3 ) the operator made a second charge to my debit card despite my direction NOT to make a second charge.
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card # 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, credit repair services, or other personal consumer reports

These are not my accounts nor did I authorize these companies to pull my credit. Please remove them.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXXXXXX - XXXX - {$4300.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX 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 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 that are reported 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. 


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 reporting or other personal consumer reports

The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail. 
THD/CBNA : The information on this account has not been certified to meet any reporting standards, and is therefore unreliable. I demand that any incorrect, incomplete, or unsupported material be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Acct # XXXX has violated my rights. 

Also acct has wrong information showing having my last name as XXXX XXXX which is incorrect and also wrong move out date showing. I have disputed this many times. Please help me 15. USC Section 602A state I have the right to privacy.

15. USC Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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  15 USC 1681 Section 602 A- States I have the right to privacy .

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX **** XXXX XXXX XX/XX/year>
Product: Mortgage

XXXX # XXXX I am being charged late fees and my payments show as not received on my statement. I have made all of my payments and Fay refuses to correct it every time I call.
Product: Checking or savings account

I had ordered from a company called XXXX feet. I had XXXX transactions that equal {$180.00}! It takes a while for us to get the product so we had to wait a couple months. The owner of the company stopped sending refunds for the product and did not give us the merchandise! She has flat said she will make sure we dont! I have sent emails to Arvest bank of me not getting a refund or product and whats going on and they will not give me my money back because they said its passed 120 days old! I waited because she said thats when the product would be in and it never came! She scammed people out of thousands of dollars! XXXX should be getting my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a payment on my XXXX card. On XX/XX/XXXX I paid the balance in full prior to the XX/XX/XXXX statement date. On XX/XX/XXXX XXXX incorrectly, negligently applied a {$7.00} Interest charge to my account. According to my records it was paid off to XXXX because it was. Adding insult to injury I contracted XXXX the end of XX/XX/XXXX through XX/XX/XXXX ( hospitalized 2 times ) I am only advising of that because I wasnt even in the position to monitor this. So I couldnt have stopped what XXXX was about to do to me. They reported me 30 days late to all credit bureaus, they decreased my available credit line. This has majorly and unfairly damaged my credit. I spoke with 3 reps at XXXX the first one immediately removed the now {$9.00} interest fee. I then spoke to a rep who was wonderful she apologized profusely and acknowledged the incorrect reporting, but an apology can not fix this fast enough for me to be able to trade my car in. XXXX reps, although acknowledging the mistake, can not resolve it today nor can they advise a time frame. I have a XXXX XXXX XXXX XXXXXXXX I am an American with a XXXX. I am 100 % XXXX on SSD I have limited income and I have worked so hard to keep my credit up, to build it so I could buy a new car and XXXX single handedly ruined this. Although this is being escalated within the bank there is no resolution for repair. I have had help handling this, but what about other XXXX people who dont have help who wouldnt have realized this, this shouldnt have happened to me and I am submitting this in hopes I can even help this from happening to one more person. They charged interest that wasnt owed, they reported me 30 days late and possibly 60 ( they arent sure if that will hit yet ) and they lowered my available credit affecting my credit card usage. Thanks for taking the time to read this.
Product: Debt collection

I have been contacted numerous times at my place of work from a debt company - they call themselves ARSI. They call from the number XXXX. They do not include any information in their message about what debt is owed. To my knowledge I have no outstanding debt ; I have excellent credit and pay all of my bills on time. 

They have been calling me for several months, and during that time have sent no formal letter in the mail detailing why I am being contacted.
Product: Credit reporting or other personal consumer reports

Opened a account with XXXX XXXX XXXX  via XXXX XXXX they issued XXXX credit limit in XXXX. By XXXX my credit limit had increased to XXXX, I never had a late payment and paid more than minimum payment each month. The bank started decreasing my credit line each month which made it appear that I was more than 30 % utilization rate. each month that I continued to pay they decreased my credit amount. I am know back down to XXXX and I was not given any real explanation for the decrease. However I can not use the card any longer because each payment that I make they bank keeps lowering my credit limit to match the owed debt. Bad business putting me at risk for not forming other relationships with substantial credit limits.
Product: Credit reporting or other personal consumer reports

Lexington Law charged me a monthly fee to repair my credit and nothing was done.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 any purpose.
Product: Credit card

In early XXXX of 2024 I accepted a promotional offer from Citibank to open an account and receive XXXX bonus miles with XXXX XXXX, after spending {$3500.00} on purchases by XX/XX/year>. They gave me a {$1500.00} credit limit, which barely gives me enough time to spend {$3500.00} by XX/XX/XXXX. I requested a credit limit increase and they declined. My first statement closed on XX/XX/XXXX and I paid it in full on XX/XX/XXXX, so I could start charging purchases to the card again towards the {$3500.00} requirement. For some reason my available balance is still only {$40.00}, even though I paid it in full 2 days ago, and the money has already cleared my bank. I called Citibank today to ask them what is going on. They told me there is a hold on my payment until XX/XX/XXXX, which is absurd! I have never had a credit card company do this before! Now I have only between XX/XX/XXXX and XX/XX/XXXX to spend another {$1500.00}, to stay on track for the {$3500.00} requirement. It really does look like Citi is trying to limit my spending so I don't qualify for the bonus miles offer. I have excellent credit, and I have never had a credit card offer me less than {$10000.00} limit. I have several expenses coming up, which I won't be able to put on this card because the limit is so low. I have to plan strategically which expenses can go on this card, so nothing gets declined. I want Citi to release my balance immediately, so I can start using the card again. I also want them to increase my credit limit to at least {$3000.00}, so I can charge my upcoming travel expenses to the card and make sure I qualify for the bonus miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands