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

XXXX, Equifax, and XXXX are reporting inaccurate information on my report. Per Fair Credit Reporting Act all reporting agencies must have the consumer written permission to report on their behalf. I have not given anyone written permission to report anything on my behalf. I am asking that XXXX XXXX XXXX be removed, All inquiries that do not have an open account attached to it, all of the XXXX accounts, all late or missed payments. Per the FCRA the ONLY person that can report accurate information would be the consumer. Any one else providing any information without written consent is defaming the consumer 's character and causing harm. If written proof can not be provided to me that I gave permission for the things to be reported I would like them to be removed immediately ; along with all addresses, employment, and phone numbers for this puts me at risk for identity theft. and I would not like my information to be breached.
Product: Consumer Loan

I 'm trying to resolve my balance with Title Max of Tn in XXXX, TN,. They are refusing to work with me to work out a payment and settlement amount on the debt. They have stated on several occasions that they would repo my vehicle.
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

I'm writing to dispute the fraudelent accounts on my Experian credit report, which I believe violate several provisions of the FAIR CREDIT REPORTING ACT ( FCRA ). An account reported as charge off : XXXXXXXX XXXX XXXX XXXXXXXX, and collect accounts : XXXX XXXX XXXX  {$650.00} XXXX {$240.00}
Product: Debt collection

On XX/XX/2017, this debt for {$80.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit card

Citi has a deceptive practice for notifying customers of past due balances. This practice maximizes fees, while leaving the cardholder with little regulatory recourse. I rarely use the credit card, and had not looked at the account recently. Without my knowledge, a charge of {$29.00} had been made to the account. After the account was 62 days past due, I received an autodial collection call to my cellphone ( which I did not consent to ) alerting me to a potential problem. The total fee accumulation was {$62.00} ( coincidently ). 

So now I have {$62.00} in fees, and possible negative credit bureau reporting over a {$29.00} charge that I did not make. If Citi was concerned enough to make a collection call after all the fees had been assessed ( day 62 ), they could have been fair and made an attempt prior to day 60, when it looked like payment was n't forthcoming. This would have provided me an opportunity to dispute the charge in writing ( per Reg Z ), and avoid the second late fee. The practice is unfair and unnecessarily drives up revenue, while leaving the cardholder with few options. 

To make matters worse, I called the collections rep ( via the number provided by the autodialer ), and she said that I could n't get help with my credit reporting concern unless I wrote to a P.O. Box. She said there was no number. After the conclusion of that call I tried the regular customer service number, and was placed on hold by the system. After ~35 minutes of being on hold, I hung up without the opportunity to speak to an actual person. 

Bottom line, I feel Citi maximized their fees at the expense of the customer, and failed to provide a reasonable means for exploring a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XX/XX/2018 I started to receive notifications that Waypoint Resource, Group XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent Waypoint a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from Waypoint however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, XXXX, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following ; XXXX has ignored the fact that XXXX and the Bankruptcy court stated that they are not reporting this information to them XXXX and equifax has removed the information, XXXX is not abiding by fcra and fdcpa credit laws see attached documents. These accounts are inaccurate and should be removed as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Court. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete inaccurate information. Has affected me for over 5 years. I want to discuss my options as far as suing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I've called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the item listed below still remains on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account below : ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created two different Federal Identification numbers on me. Someone is using my personal information as though I have a business.
Product: Credit card or prepaid card

on XXXX20 someone pretending to be me called Wells Fargo and asked for a new credit card to be sent to a different address then mine. Wells Fargo granted this request and now a stranger ( I believe named XXXX XXXX ) has my credit card in his possession and used it at least 4 times with total charges of around XXXX dollars. Wells Fargo assisted in this extortion of my good credit and I am left to resolve all forthcoming issues on my own. This is totally outrages, No bank can be this stupid, phone and voice recognition ignored, no phone call or text to me which could easily conformed if it was me or not, this is something I must do constantly, so why was my imposter not put through the same procedures that I must go through? So what is Wells Fargo 's responsibility in this matter? As I am left to scramble to cover all my credit information. Wells Fargo as not called me on this matter, they have not apologized to me, they have not express any concern nor have I received a transcript of the phone call from XXXX20 to see what information was used to obtain a credit card in my name.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : XXXX XXXX XX/XX/year> {$6700.00} XXXX XXXX XX/XX/year> {$0.00}
Product: Credit card

I reached out to TDRenovate credit card company to get a settlement offer. I was told they no longer own my account and that XXXX strategies do. I called them and they transferred me to XXXX XXXX XXXX, they informed me the account was closed and zeroed out and they can not access it either. I asked could I have a letter in writing, they told me no. If no ones owns this debt this should be removed and zeroed out on my credit history. It is holding my process on making a larger process
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reopened a closer and charged off account that was closed in 2017 and is now reopened an account that was closed for XXXX XXXX XXXX is also doin the same reopened an account that was charged off and closed in 2017 for XXXX I had 10 accounts closed and charged off in 2017 there were closed and the company 's took a lose got credit up to XXXX and at beg of year they responded a closed account and has dropped my credit they can not reopen analready closed and charged off account and try to collect 2 years late it has screwed my credit up again I want it to stop they already took a lose in those accounts
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was processed on time : I made the payment on time before the due date, but a system error caused the payment to be recorded late. Attached are my bank statements showing the payment was processed prior to the deadline. 
Clerical error by the creditor : After discussing the issue with the creditor, they confirmed that the late payment was due to a clerical error. I have included correspondence from the creditor confirming this mistake. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I called in to the customer service line to as I was not able to send an ACH or wire transfer from my account. After holding for an extensive time the representative and supervisor insisted that I visit a branch. I refuse to visit a branch as I should access online to send a transfer from my account. However after several minutes of going back and forth the supervisors keeps insisting that I use XXXX. This is unacceptable as I should have access to all features online and should not be required to go into any branch to complete my transactions.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act, this creditor ( Santander ) has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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: Vehicle loan or lease

I have been leasing a New Honda CRV XXXX since XX/XX/XXXX. I signed my contract at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The finance company is American Honda Corporation. I have been late on payments due to financial hardships. When I first received to car I was married and working. During the time of my lease I became divorced and unemployed. I still continued to make my payments although they were late. Honda would charge me a {$25.00} late fee which is stated in the contract I signed. I became a XXXX XXXX XXXX in XX/XX/XXXX and recently XXXX  on XX/XX/XXXX. I informed Honda on several times that I was unemployed and a student that's why my payments are always late. They always said we will note the account. In XX/XX/XXXX I missed 3 months of payments they informed me by letter and phone call that there was repossession out for my car. I ask them what I can do to stop the repossession they stated I can pay 2 months and I have to western union the money. I did. The car wasn't repo then. On XX/XX/XXXX I  called to tell them I will make a payment on next Wednesday which XX/XX/XXXX. They agreed. They repossesses my car on XX/XX/XXXX without notice. I only have seven more payments left. They told me the only way I can get the car back is if I buy it for {$21000.00}. I ask is there another option. They said they would have to review another option which was I would have to make my account current and pay all the late fees and have a XXXX balance and the repo fees I agreed I could get that done. they said my account has to be reviewed and they will get back to me in 1 to 3 business days. I got back to Honda and they said I was not eligible for option one due to my late payments. That I will have to buy the vehicle for {$21000.00}. I would have to take out a personal loan and send them a check by XX/XX/XXXX and still pay repo fees. I feel like I had no choice so my mom took out a loan and its not going to clear in time for XX/XX/XXXX. I ask them for more time they gave me until XX/XX/XXXX after I sent them proof of the loan. I ask them for a written agreement stating they gave me until XX/XX/XXXX. They said the can't but they noted the account. That was on XX/XX/XXXX.
Product: Mortgage

Mr. Cooper debited my payment twice on XX/XX/2018. I have been unable to contact anyone at the company to address this.
Product: Payday loan, title loan, personal loan, or advance loan

Unfortunately due to a health emergency and only having one income and barely getting by, I fell for a very high interest ( 299 % ) loan. Within 2 months I now owe XXXX more than the loan itself. After doing research I come to find out it is federally illegal to charge that much interest and Usury Law in Illinois where this company is based out of says any contract over 9 % interest is voided. I am trying to settle with them and they are not having it. With all the research I have done I am willing to take this to court if needed but figured I would reach out here first. They told me a manager will be in touch via phone and I told them I will not be accepting any phone calls. They can contact me via email only. I need help. I have the money to pay off the amount borrowed. Thank you
Product: Credit card or prepaid card

I recently made a payment to capital one ; they have acknowledged receipt of payment, applied and posted the payment to my account ( the payment cleared my account ). However, capital one refuses to make my available balance available. I spoke to a manager, XXXX ID # XXXX XXXX, FL office who stated the following : - '' capital one has a right to place a hold on any customer 's account, at any time, for any reason. '' -When I asked to speak to his manager he said " he is the highest level of management that I'm allowed to speak to '' and " we operate a little differently here at capital one. '' -I requested for capital one to immediately release the hold so I can access my available balance and he said no and there is nothing I can do about it. The manager then told me to read my credit card statement because it is written in the statement that capital one has the right to place holds on any account, at any time for any reason ; I read my most recent credit card statement and nowhere on the statement is this language included. 
Capital one is abusing their financial leverage ; and at a minimum engaging in unethical, immoral and possibly illegal activity especially in the middle of a pandemic which has created immediate unnecessary irreparable harm to me and most likely other capital one customers! I have been a customer for years and never has capital one received, applied and posted my payment yet refuse to make my available balance available, except now in the middle of a pandemic. Therefore, capital one has an established historical operating track record of posting and applying payments then making said balance available ; the new activity is not established and is a new operating procedure which has never historically been enforced, even if it is in writing. Lastly, nowhere on capital one 's website is there a place to submit complaints.