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

I recently obtained copies of my consumer reports from the credit reporting agencies ( Experian, XXXX XXXX, and XXXX ) to discover that your company 's information continues to be reported in a manner that violates the Fair Credit Reporting Act ( FCRA ). As previously communicated in past notices, I have raised concerns about one or more potential violations in the past, emphasizing the importance of complying with consumer rights and FCRA regulations. Specifically, I am referring to the closed accounts associated with the following : XXXX. XXXX XXXX Account # XXXX. Upon reviewing my credit reports, I have noticed that your bank is reporting my experiences with your company in a manner that raises significant concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). The specific matter of concern pertains to the categorization of my line of credit with your company as " utilization '' and the categorization of my payment history / status with your company as transactions, on my consumer reports. It is my firm belief, supported by the relevant legal provisions, that your company is unlawfully reporting this information on my consumer reports. I would like to draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which states : " 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The law is unequivocal in its statement that information pertaining to transactions or experiences between the consumer ( myself ) and the person ( XXXX XXXX  ), making the report, should not be included on consumer credit reports. Utilization is inherently an experience with the line of credit extended between the consumer ( myself ) and your company,, which qualifies it as an experience that should not be reported on my consumer credit reports. Payment history or status is inherently transactions, between the consumer ( myself ) and the person ( XXXX XXXX XXXX which qualifies it as information that should not be reported on my consumer credit reports! By reporting this transaction on all of my consumer reports, XXXX XXXX  appears to be in clear violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed credit card on my EXPERIAN credit report with late payments that are negatively affecting my XXXX XXXX. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with Experian, but have not been successful. I really need and would appreciate some help.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 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 XXXX 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: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX  Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for 10 years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have once again provided the information regarding the account in question XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Acct # : XXXX Open Date : XX/XX/XXXX INQUIRIES XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I dont recognize this account. I did not authorize it and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to Equifax, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Mortgage

I have had a mortgage with Regions Mortgage for approximately 30 years with the mortgage being refinanced. I have always paid the taxes and insurance for this property. On XX/XX/XXXX, Regions Mortgage sent {$2700.00} to XXXX XXXX ( Indiana ) to pay delinquent taxes. The first letter I received from them indicated that the property taxes were for XXXX. When I contacted them and sent them information to show that the property taxes were paid in full on the property on XX/XX/XXXX ( with no back taxes owed ), they changed their story and sent another letter indicating that the payment was for XX/XX/XXXX. Those taxes were paid on XX/XX/XXXX so this amount was credited to the XX/XX/XXXX taxes. Regions Mortgage is treating this as a loan and demanding payment. This has caused my credit score to go down and I am not getting resolution even though I began the process to get resolution on XX/XX/XXXX - almost XXXX month after everything had already been paid in full. Regions Mortgage is telling me that they need to research all of this and can not tell me when this will be straightened out.
Product: Consumer Loan

A collection agency is contacting my Mother, a XXXX year old with health issues. She told them i do not live there yet they continue to call. On one call they told her to relay the message if i do not contact them before XXXX they would be filing a complaint against me. First of all to tell a non spouse that any action is going to be taking against me is against the FDCPA. They were vague as to why a complaint would be filed which frightened her even more to death to the point when she was trying to give me the message she was unable to find the correct words which happens when she is stressed or flustered. They have one opportunity to leave a message after that the number should have been ceased and never called again yet they have made at least XXXX calls to her. This is a debt I am disputing as over the course of 3 years they continued to take the payment out on the wrong date causing me insufficient funds monthly.
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

The accounts below are more than 7 years old and should be deleted. 

XXXX Reported : XXXX. XXXX, 2024 {$1600.00} Needs Attention XXXX  Reported : XXXX XXXX, 2024 {$3100.00} Closed
Product: Payday loan, title loan, personal loan, or advance loan

I originally got a title loan for a little over $ XXXX, then after paying it down they contacted me stating I was eligible to get more money and I gullibly agreed. Now I owe them close to $ XXXX and I notice most of the monthly payment goes towards interest fees. I feel that if I was never contacted by OneMain to redo the original loan I wouldnt be in so much debt. I used my XXXX as collateral and its not even worth $ XXXX owed on this loan. I feel they used predatory lending practices as they have in the past can someone help me find alternatives. Thanks
Product: Credit reporting

I have sent sign receipt requested to a collection agency, AND to Transunion with valid proof that the collection agency has XXXX proof of the negative case on my credit report, Transunion will not take it off. I sent them Certified mail the information with proof and they will not take it off, and will not let me contact them. XXXX and XXXX complied. I want justice against them! All XXXX has is a FAKE Bill ... XXXX? They are XXXX fully out of compliance with all the legal entities, I was NEVER contacted for a response to my demand letter from XXXX, they just sent the fake XXXX bill to transunion, not me ... That 's how I found out whom they sent it to ... ILLEGAL IN ITSELF! They were FORCED to meet my demand letter and never complied, now they have broken the laws. I have PROOF XXXX XXXX of XXXX XXXX singed and receievd my demand letter. I have not had a response as of today 5 weeks too late, please get on this ... respectfully XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report which includes several inquiries that I did not authorize and the credit bureaus should not have released my report to these companies and doing so without my permission is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Carrington mortgage added XXXX 90 days late on XXXX and XX/XX/XXXX. During this time I was on forbearance that started on XX/XX/XXXX with deferred payments until XX/XX/XXXX. Before I started on forbearance the agent from Carrington stated that during my forbearance period I do not have to make a payment and that I should shot see any late negative impact on my credit report. I have since sold my home in XXXX and this is preventing me from buying another home. I called Carrington mortgage to have them fix this with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXX GA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX Dispute Department po box XXXX XXXX, TX XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Department XXXX XXXX  XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Report Number : XXXX ) To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit report issued by XXXX XXXX XX/XX/XXXX, with report number XXXX. Upon reviewing my report, I noticed a significant error related to my Discover Bank account ( Account Number ending in XXXX ). 

Specific Inaccuracy : The report states that the account was charged off with a past-due amount of {$9100.00} as of XX/XX/XXXX. However, the balance history section indicates a {$0.00} balance consistently from XX/XX/XXXX through XX/XX/XXXX. This inconsistency suggests an error in the reported status of the account. 

Given this contradiction, I kindly request that you : Reinvestigate this account information with Discover Bank. 
Correct the status of the account if the {$0.00} balance is accurate, or provide supporting documentation validating the charge-off and past-due status. 
Update my credit report accordingly and send me a corrected copy. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the inaccurate information for your reference. 

I would appreciate your prompt attention to this matter and a response within 30 days of receiving this letter. Should you need any further information to complete the investigation, please contact me directly at the phone number or email listed above. 

Thank you for addressing this issue promptly. 

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

I previously had a freeze on my Experian account, which I lifted on a few months ago. Today, I tried to re-freeze my account. I wasn't able to online, and it didn't tell me what's preventing this new freeze. I did recently move, but I tried my new address, new address plus providing my old address, and old address alone -- none worked. I also tried either having Experian provide me a PIN, or having me supply one -- those also didn't work. I was able to freeze my credit with the other two credit reporting agencies without a problem ( a real freeze, not their proprietary lock services ).
Product: Vehicle loan or lease

Sent a Notice to dispute letter on XXXX to Exeter Finance for debt validation and to report to the credit bureaus that this was in dispute. Company sent back the retail installment contract on XXXX, which my understanding that is not a valid way to validate debt. I asked for a ledger, a copy of the original contract binding both parties, as well as verification for the claim. This was the second time asking for this information. I sent another letter on XX/XX/ requesting the same documents and stated how they kept calling me harassing me about a debt that was not properly verified and to up my insurance. Again another letter was sent back from the company on XXXX  sending the same retail installment contract and not fulfilling what was asked of them in the 1st letter. They then sent me statements and proceeded to send a repossession letter on XX/XX/. I sent an Affidavit back to them to sign on XXXX  and if they do not sign they are to fulfill the invoice I sent with it.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card

My Citi Thank you card ( reported 2 months ago ) does not reflect the true balance of the actual amount I owe. I have confirmed this with City. Please find the attached which will be mail to the office of the president. As it appears Citi likes to work at a glacial pace, I will be submitting the following which I have generated today. Having just spoken to XXXX in disputes, she did in fact say that the activities are more accurate than the PDF statements and that the PDF statements are sometimes 3 months behind with credits. 

I am attaching the activity spend of XX/XX/XXXX and XX/XX/XXXX. Reflecting a true balance {$4200.00}. 

Furthermore, I am attaching the PDF bank statements that show the discrepancy. LET THERE BE NO CONFUSION, THIS IS NOT A REVISIT INTO DISPUTES, FRAUD OR ANY SUCH MATTER BUT AN AUDIT OF WHAT WAS CHARGED AND CREDITED. 
FYI. ALL MY OTHER CITI CARDS PDF STATEMENTS MATCH THE ACTIVITIES REPORT. JUST FRUSTRATED I HAVE BEEN OVERPAYING NEARLY $ XXXX, OF CHARGES THAT WERE NOT MINE.
Product: Credit card or prepaid card

I overpaid my Kohls account by {$2700.00}. I contacted them to refund my account on XX/XX/XXXX. They assured me that it would take 10-14 days. I called back on XX/XX/XXXX and they told me that it should be to me by XX/XX/XXXX. I have not received anythind and I still show a credit of {$2700.00} on my account. Please help me, this shouldn't take this oong
Product: Vehicle loan or lease

On XX/XX/2021, I spoke with agent XXXX agent IF XXXX requesting my payment to be extended due to an extenuating circumstance. I was recently in a car accident and I wont be able to drive. They denied my request and I escalated up the channels through Chase Auto Finace and they still denied my request. I need my payment to be extended for 1 or 2 months due to financial hardship and I would like your assistance to make it happen.
Product: Credit reporting

CFPB Complaint Experian XX/XX/2016 Reference Credit XXXX Bank XXXX. XXXX Credit Card XXXX XXXX XXXX XXXX Why does this account continue to be reported under furnisher XXXX XXXX Bank and not XXXX XXXX Bank, NA? 
Attached is my Experian Reports Experian report number XXXX dated XX/XX/2016 results of an Experian investigation show XXXX furnishers for the same account XXXX And XXXX Experian report XXXX dated XX/XX/2016 Furnisher reporting for same account XXXX Would n't the correct furnisher for this IIN or BIN number be XXXX? 
Could you please look into this? 
Thank you in advance for your time in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX, Transunion, XXXX XXXX this is willful defamation. Infringement on my 4th Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have sent certified mailings to credit bureaus demanding compensation from them due to the Civil Liability, the defamation and willful intent to infringement of my 4th amendment rights to be secure in my papers, which Have been fraudulent obtained and retained, without my consent. The deceptive, false claims made by business who are in collusion with these third party credit bureau who continually are buying and monetizing off my public information. I have sent demand letters to XXXX, transunion, and XXXX.
Product: Credit card

I contacted my credit card company to get on a plan to pay off some outstanding debt on a closed card. We agreed on a {$15.00} min monthly payment down from {$25.00}, but interest is still being charged, meaning that I can only pay less than {$10.00} a month altogether. Is their anything I can do to stop the interest from piling up?
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0} *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***
Product: Debt or credit management

I utilized Lexington Law Credit services high monthly fees and too much manual labor for services paid didnt see much credit results
Product: Credit card

On XX/XX/year>, reauested a credit balance refund. Despite the elapse of 7 business days, as outlined by law, credit balance has not been removed and funds pertaining thereto have not been received.