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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my KIKOFF LEND - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

illegal credit inquiries since XXXX.24 according to XXXX  : XXXX XXXX XXXX times, XXXX XXXX XXXX XXXX XXXX XXXX times, XXXX XXXX XXXX times, XXXX XXXX XXXX XXXX times, XXXX XXXX XXXX  XXXX time, goldman sachs XXXX XXXX time, XXXX XXXX  XXXX time. XXXX XXXX XXXX  times, XXXX XXXX XXXX XXXX time. this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. XXXX, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXX New York XXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXX you. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason.
Product: Credit reporting or other personal consumer reports

TransUnion failure to adhere to identity theft victims. There are two fraudulent loans by XXXX XXXX XXXX  on my credit file. I have the right to request a block or deletion of these accounts, as a victim of fraud.TransUnion failure to address such a lapse in judgement cause me tremendous financial loss to my family. TransUnion failure to abide by the Federal Trade Commission Report is an internal structural catastrophic misunderstanding of the laws governing credit reporting. Thank you.
Product: Credit reporting or other personal consumer reports

FCRA & 605B ( 15 U.S.C. & 1681c-2 ) I request that Transunion credit reporting agency block this fraudulent account from reporting to my consumer report within 4 business days from receiving this complaint.The XXXXXXXX XXXX account number XXXX is not mine, I have attached a copy of the FTC Identity Theft Criminal Complaint case number XXXX as proof from the US Federal Trade Commission
Product: Debt collection

I have XXXX fraudulent accounts with XXXX XXXX one with a total of {$570.00} and another with a total of {$590.00} Dates opened on XXXX XXXX, 2023 and XXXX XXXX, 2024 and they are both having negative affects on my credit report
Product: Money transfer, virtual currency, or money service

The money source mortgage company withdrew two mortgage payments out of my account consecutively causing me to be overdrafted and without money to buy food I have contacted them numerous times and I keep getting the runaround On the so-called refund of second mortgage payment
Product: Checking or savings account

On XX/XX/XXXX I opened Access Checking Account # XXXX ( last four ) with XXXX XXXXXXXX XXXX at the XXXX, Florida Branch. I presented " Checking & Savings Promo Code '' XXXX in person. The teller confirmed I was eligible for this promotion and assigned it to my account. Please see attached email " Checking Code.PDF ''. 

I completed all requirements of said offer : " Bring the code above to your nearest financial center or apply online and open a new personal checking account with money not currently on deposit at XXXX XXXX or Whitney Bank by XX/XX/XXXX. The promo code is required at account opening. This offer is non-transferable and can not be combined with any other offers, and valid only for the person residing at the address the offer was mailed to. Limit of one new consumer checking-account-related bonus per household per calendar year. Enroll in online banking and select online statements, and make five eligible purchases with your debit card by XX/XX/XXXX. Eligible purchases include those with either a signature or PIN, excludes Online Bill Pay and ATM withdrawals. '' These steps were completed on XX/XX/XXXX ( please see STATEMENT.pdf ). For these steps, I made five purchases of groceries at XXXX. 

The terms state I should receive {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I called XXXX XXXX 's customer service line and spoke with " XXXX '' ( I retain a recording of this conversation ), in which XXXX spoke with the promotion team and confirmed I am to receive the {$300.00} by XX/XX/XXXX, however no ticket is able to be made until the bank has violated its terms of the agreement on XX/XX/XXXX. 

XXXX XXXX then failed to provide me the {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at I continued to not have the funding and I called XXXX XXXX customer service. I spoke with XXXX ( or XXXX? difficult to hear on recording ) ( I maintain a recording of this conversation ). She stated, " They did indicate that you were supposed to receive that by yesterday, they sent an email over to see what was going on with it. We're just waiting on a replay on that email to find out what's going on with the gift card promotion that you were supposed to have deposited into your account. '' XXXX XXXX has not given me the funds owed as of today XX/XX/XXXX ( see current account status.pdf ) and I request the CFPB 's assistance in communicating further with XXXX XXXX regarding the funds owed to me.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card. I had this card since 2017. It is not showing up on my TransUnion credit report or XXXX credit report but it is on XXXX credit report. I have called XXXX and they informed me numerous times that a report was sent out to the credit agencies, showing this account belongs to you and to please add it to your credit report but again this account is still missing from 2 credit reports/agencies. I have also called and sent letters to TransUnion and XXXX letting them know this important information is missing from my credit report but again nothing has been done. I even sent them a statement by mail, from XXXX with my information showing this is my credit card account but still this information is missing from my credit report. It is hurting my credit making my score and credit report inaccurate. I have been sending letters and calling on this matter for 3 years now. Please help me with this problem/matter so all my credit reports can be accurate and look the same.
Product: Credit reporting or other personal consumer reports

I'm lodging a complaint about late payments on my credit record. My review revealed these late payments, and despite sending letters over XXXX  days ago, I've received no response or adequate validation. I'm seeking your help to resolve this quickly and effectively.
Product: Credit reporting or other personal consumer reports

This is my second CFPB compliant regarding my consumer report. I have been a victim of fraud and my personal information was stolen and used for various reasons. According to 15 USC 1681 you are required to investigate these accounts to validate that they even belong to me. Furthermore I contacted the US Bankruptcy Court in regards to any information that they may have shared with a consumer reporting agency and they stated that they do not share information with credit bureaus. The public record you have listed on my credit report shall be promptly deleted or you will face the penalty for violating the FCRA regulations regarding verification and validation. If no one with first hand knowledge of this account can come forward to provide evidence suggesting otherwise I expect my demands to be met. 

The immediate removal of these items due to lack of evidence of indebtedness Bankruptcy - Federal - XXXX XXXX XXXX XXXX has XXXX different accounts listed XXXX XXXX XXXX XXXXXXXX XXXX has XXXX different accounts listed XXXX XXXX XXXX XXXX I know that these accounts are fraudulent and inaccurate I want a full manual investigation.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Honda Finance Corporation showed up on my XXXX credit report. It does not show up on my XXXX or XXXX credit bureau. I have repeatedly ask Honda Finance Corporation to remove this item from my XXXX credit report. The account # Im showing is XXXX account opened date XX/XX/XXXX account was charged off. I have never co-signed with anyone on a car loan. This is not my information I need it removed immediately.
Product: Credit reporting or other personal consumer reports

I'm reaching out again about the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report. Despite my repeated efforts to resolve this, the problem persists. These unauthorized entries have severely impacted my life, causing considerable stress and XXXX. 

I want to emphasize that I never authorized or consented to this information being associated with my name. I've been a victim of identity theft, and these entries are a direct result of that crime.
Product: Credit reporting or other personal consumer reports

I SENT THIS LETTER Subject : Request for Validation and Investigation of Account under FCRA Section 609 Dear XXXX, XXXX, EXPERIAN, I am writing to formally dispute the accuracy of certain information listed on my credit report. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request that you validate the accuracy of the following account ( s ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you provide the following : 3. Copies of any signed agreements or contracts with my signature that verify my responsibility for this account.

4. Documentation detailing the chain of ownership of the debt if applicable.

5. Any additional evidence used to verify the accuracy of this account 's reporting.

If you can not provide this information, I request that the disputed account ( s ) be promptly removed from my credit report under Section 611 of the FCRA.

Please include the results of your investigation, as well as an updated copy of my credit report, to reflect any changes. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity.

I look forward to your response within the 30-day time frame as required by law. If you require additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Bank account or service

Hello I opened a Citi gold checking account with XXXX thank you points promotion. 
After I met all requirement, I sent a message to the Citi bank to confirm the points. 
Citi bank told me that I have to wait 90 days to get points ( which the end day is XXXX XXXX ). I sent another message after 90 days which the checking opened. Then citi bank told me to wait another 30 days. After that, I sent message by XXXX XXXX and the Citi bank told me that I will receive the mail in 3 or 4 days. By XXXX XXXX, I do not receive any response from the Citi bank. 
As a 7 years customer, I really disappoint from Citi bank. 
By CFPB 's help, I hope I can get my XXXX points which the Citi bank already confirmed. 
Thanks for your help.
Product: Credit reporting or other personal consumer reports

It is very concerning what XXXX finance does. I call every day to make sure this doesnt happen and they tell me to send an email and take days and days to respond. 

I was on XXXX forbearance with XXXX lending and during this whole time XXXX protect me with the cares act of reporting XXXX XXXX and XXXX XXXX as delinquent on their mortgage. 

XXXX transfer me to XXXX in XXXX before doing the loss mitigation after coming out of XXXX forbearance. The cares act protect us from lender reporting us delinquent and XXXX knew this look at the letter attached. 

XXXX said they will do the deferment but didnt mentioned that we will have XXXX on escrow shortage that it was going to ballooned the payments. My first payment was due on XXXX - The supervisor told me to send a hardship application and we sent as the attachment shows. She also said during this process ( loss mitigation ) there is no negative reporting on credit bureau because its all originated from my XXXX forbearance. I asked her for a letter and she said all their calls are recorded. 

I sent my hardship application on XX/XX/XXXX. Before my first payment ( they said they take 30 days ) and still nothing but went ahead to report me today as default. 

They told me to send a letter to customer service to make sure they dont report me as the supervisor recommended because it protects me cares act and I did as the attachment shows and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was closed that's still was on my credit report stating potentially negative if the account is closed nothing should be potentially negative nothing should be on my account it should be removed not potentially negative also they have an auto loan on that XXXX  credit report that does not belong to me and I keep telling them that I do not live in Virginia I never lived in Virginia I've never even been through Virginia but all of this stuff was on my credit report why is Experian credit report not matching what the other credit bureau agencies this is a big major concern with nobody giving me answers all inaccurate stuff on Experian they fell into remove all other credit bureaus remove the stuff because it's not me
Product: Credit reporting or other personal consumer reports

Fail to comply with the fair credit act, the law keep the credit report updated on the monthly basis as the law requires Fail to comply with the fair credit act, the law keep the credit report updated on the monthly basis as by law requires, failed to verify my credit card balance failed to verify my credit card balance The law requires my credit card, information and credit card usage to be updated on a monthly basis as the law requires Experian failed to keep my credit card information up-to-date since the first dispute that I found on my student loans in XXXX, XXXX and XX/XX/2023 Requires that I found one dispute. I will not comply with no mail. I never gave you permission to send out my personal information against my will, without my consent that is against the law. 

You dont do what the XXXX you wan na do with consumers credit reports. If I never requested my credit report, you shouldve never sent it out without my consent on my permission as the law requires. 
Do your XXXX job verify this XXXX XXXX or remove it and fax of the fax you can not verify because its not accurate information you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used vehicle online via XXXX, XXXX. On XX/XX/XXXX, XXXX sent a copy of the credit score they used from Experian to determine financing. The score provided by XXXX  was XXXX. I called XXXX the same day to ask why the score they used was lower than the score I was seeing. On XX/XX/XXXX XXXX responded by telling me they use a combination of XXXX Score XXXX and XXXX XXXX. The same day, I ordered my XXXX Score XXXX, which was XXXX, and my XXXX XXXX score, which was XXXX. I then asked both XXXX and XXXX  if they could explain why the XXXX score they were using was so much lower than the scores I was seeing. Neither company gave me an answer that explained such a drastic difference. 

If Credit scores are provided as a guide to help consumers determine their potential financing, then someone should be held accountable for explaining how and why a lender is using a score that is drastically different from the score to which the borrower has access.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. XXXX  XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I  have never heard of. XXXX XXXXcould  have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed  from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
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. in addition, the open dates, date of last activities and much more are also incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly which they have failed to do. 


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

There was no Late Payment made for XX/XX/2018. Creditor XXXX XXXX reversed late payment charge and credited my account. However still reported as late payment for the month XX/XX/2018.
Product: Credit reporting or other personal consumer reports

SBNASELFLNDR, placed a late payment on my credit report. According to the FCRA, specifically 15 USC 1666B There is no law that states a transaction should be reported and it violated privacy and consent laws I would like this removed from my report as per the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has Deleted my whole credit report and when I called they said we are aware of the problem. I was voicing my concerns when the Representative had said, " Well maam the longer you keep me on the phone the longer it will be to fix the problem '' I mean I've Never been so upset with someone in my whole life, Equifax Information Services, LLC. has Deleted my entire payment history showing that my credit score dropped XXXX points. 
Please have them restore my good payment history I am attaching the import I received from my credit monitoring company.
Product: Debt collection

The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXoll Free : XXXX : XXXXE-mail : XXXXXXXXXXXX : XXXX Contact : XXXX Email : XXXXXXXXXXXX XXXX : XXXXXXXXXXXX OfficeXXXX, XXXXToll Free : XXXXEmail : XXXXXXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes XXXX XXXX XXXX XXXX to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to XXXX & XXXX Services. Consumer has no fiduciary, contractual obligation to pay XXXX & XXXX XXXX anything. There is no payment history, nor products, or services that has been rendered to XXXX XXXX XXXX XXXX because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you.
Product: Prepaid card

XX/XX/XXXX : My aunt bought this gift card at XXXX XXXX NY for me XX/XX/XXXX I received the card as a gift for my graduation Days after I tried to use it in several ways, XXXX, XXXX XXXX, XXXX etc I think this is gon na be important Gift card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX