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

On XX/XX/year>, my credit was run by a company named XXXX without my permission. I have no idea about this company and did not give my consent to this company to run my credit. I called the company asking them to remove this inquiry from my credit report. The lady started asking me for credentials which made me even more uncomfortable. She then said that she would not be able to help me move forward without providing my personal information. I do not trust that company as they have already run my credit without my permission. This is my attempt to get help since the company will not help me without asking for more personal information. I have filed an identity theft report. The FTC number is XXXX.
Product: Credit reporting or other personal consumer reports

My complaint simple and plain. My credt is being affected by unlawful reporting as i pulled my report. i sent the credit reporting agencies a affidavit 2 times to resolve this matter ammicably. since they didn't comply, i need your help CFPB. 15 usc 6802b stance about late payments. non public information can not be published to nonaffiliate third parties withouth my consent. unlesss i was given opportunity before the time that such information is innitialy disclosed to a third party. i was never given that opportunity and the CRA 's a third parties and in violation of that law. congress says ( exclusions ) the term consumer report does not include solely my transaction or experiences between ( me ) the consumer and the person making the report.therfore, late payments can not be included in my credit report. 15 usb 1666b states the timing of payments. the financial agency must send written notices/statement 21 days before the payment due date with information from section 15 usc 1637b . it must be mailed or delivered within 21 days of the payment due date from the consumer. they have never done that. they are all in violation of those laws. how could XXXX Equifax XXXX treat a payment as late without proof that these items were delivered to me the consumer. 15usc 1692k and 1640 civil liabilities {$1000.00} per violation not to exceed {$500000.00}. ive been damaged by them. all 3 of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX a copy of the banks account statement of when the payment hit their account, or remove all late payments from my report. please be reminded as the consumer i'm protected by the privacy act.
Product: Credit reporting or other personal consumer reports

capitol one closed my account in 2022 after i reported unauthorized charges. the {$190.00} was left as unpaid and reported to chexsystems, now i can not open a checking account. XXXX had the balance paid down to {$0.00} then my account was hacked. i called capitol one immediately, this is when account was closed. still t this day someone is trying to make unauthorized charges on this account and its been closed for XXXX  months. i ask this fraud be removed from the XXXX report, and account be credited for all unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive reached out to the credit reporting agencies and have not recieved a response i gave an ample amount of time 15 U.S.C 1681 sec 602 A. states i have the right to privacy 15 U.S.C 1681 sec 604 A states a consumer reporting agency can not furnish a account without written instructions Account was not deleted or modified on my report according to the 15 U.S.C ( 5 ) ( A ) ( i ) 15 U.S.C 1681 s-2 ( a ) a person shall not furnish any info relating to a consumer to any credit reporting agency if they believe some info is inaccurate
Product: Credit reporting or other personal consumer reports

I contacted XXXX and I received a response that my loan is in suppression. 


Upon reviewing the information provided, I have identified inaccuracies in the reported amount owed, which is adversely affecting my credit worthiness. 

I request that you provide evidence supporting the claim that I owe about {$86000.00} to XXXX, as the information currently available is insufficient for me to verify the accuracy of this amount. Furthermore, I believe that this suppression violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to accurate and complete information on their credit reports. I am specifically referring to Section 611 ( a ) ( 1 ) ( A ), which states that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

I kindly request that you conduct a thorough investigation into the discrepancies in the reported amount and provide me with detailed evidence supporting the claimed debt of {$86000.00}. Additionally, please ensure that all information related to my account adheres to the accuracy requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and request that you provide the necessary documentation within 30 days, as stipulated by the FCRA. Failure to comply may result in further action to protect my rights under the law. 

Thank you for your prompt attention to this matter. 

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

Transunion Has reinserted deleted accounts I will be attaching documents. This is a FCRA violation these accounts and inquires must be removed
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I notified XXXX XXXX XXXX of a billing error. XXXX XXXX XXXX proceeded to close my account without resolving the billing error complaint and without providing proof of a complete and thorough investigation pursuant to section 15 USC 1681s-2 ( b ) of the FCRA.

Furthermore XXXX XXXX continues to report a charge off on my credit report and to the credit reporting agencies,. 
According to the IRS a charge-off is consider a certificate of indebtness which means that it is income.

According to 15 USC 1681 ( c ) it is illegal to report a consumer 's transaction history, and must be removed. 
XXXX XXXX continues to increase the balance and past due amount in violation of 12 CFR 1026.13 ( 2 ), 12 CFR 1026.13 ( 3 ). 
XXXX XXXX is violating the privacy act of 1974 by disclosing my consumer record to a person, or to another agency without my written request and without my prior written consent 5 U.S.C. 552a ( b ). 
XXXX XXXX is violating 15 U.S. Code 1681 ( a ) by reporting inaccurate information,
Product: Checking or savings account

I have a charge for a {$130.00} overdraft fees which after speaking with 4 customer service reps, spending approximately 2 hours? and received an email each providing different versions of versions of why it was charged. Their first claim my account went negative due to 4 charges on the XXXX, however posted balances are positive after each transaction. Another agent said it was due to charges on the XXXX, XXXX, and XXXX however my posted transactions and ending balance from all of the records I can see do not show a negative amount. There were 2 charges ( {$17.00} & {$11.00} ) that occurred on the XXXX that did result in a total of - {$29.00} at the end of the day. While I am not excited about a {$34.00} transaction, I might have conceded to a total of {$68.00} in fees, except their email shows thar no fees were charged for these transactions. I shouldn't have a single charge for fees of {$130.00}. There is nothing available to me to verify any information for any dates other than the email that they sent which only referred to the transactions taking place on the XXXX with no fees assessed. Two supervisors refused to reverse any charges and I will not agree to pay fees for transactions that ( according to all of the records in their system ) did not happen. By that I mean other than the XXXX, there was sufficient funds for all transactions. Having one charge for a {$130.00} with absolutely no explanation is poor business at the very least. In my last conversation I informed the agent I would repay the negative total of {$29.00} but I am not paying a {$130.00} in fees that I can not verify and have gotten nothing but inconsistent information on.
Product: Vehicle loan or lease

I financed a motor home through M & T Bank and have made every payment!! 

The first thing I noticed with this lender 's business practices was how obsolete their installment loan department is ; they only have fax machines and a horrible computerized answering machine that takes forever to reach anyone, and they keep cutting you off. It generally takes 1 to 3 hours of phone waiting to discuss any issues with them. I have been on hold for over 45 minutes before. No online email presence unless they are selling you something or spamming you. It is very difficult for the consumer to communicate with the installment loan department. 

The second thing I noticed was even if the payment was made timely my records ), it appeared the payment would not be posted for several days resulting in late payment fees. Due to traveling around the country in a motor home, I did not find it financially feasible to correct these issues, which I really should have.

Lately, I find the lender claims no payment was made in XX/XX/XXXX, which my online banking records indicate was paid ( discrepancy found researching tax records ). No notification was given to me, and late charge fees have been applied to this account since then ( without my knowledge ). Upon searching back for tax records, I discover the charges and contacted the lender 's installment loan department. I was rudely told that this was my fault because I did not update my phone number ( cell # ) and address, yet I received a email statement from them every month. I could have been notified through that email address instead of being pumped to open additional accounts! I have found ( with a magnifying glass ) the small print that states the late fees only after being informed of their location on the statement. In contacting them, I was informed that I needed to pay all the churned late fees as well as the missing payment I have already made once, and they would then check into it. 

In the forty plus years as a real estate appraiser observing the predatory practices of lenders, I have never seen a lender as unscrupulous as this one. Please advise as to what records you need from me to verify my claim. All of my bills are paid through XXXX   's bill pay, and those records are available for  verification, but how much of it do you need? From XXXX to XXXX? Is there a way to be more specific, that's a lot of paper and a really big file to upload?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had got a car from XXXX XXXX XXXX and the company that handles the loan is XXXX, firstly the interest rate given on the car was outrageously high and I didnt know was Illegal at the time but I do now, secondly the lot refused to fix things going wrong with the car that in writing they were responsible for fixing so I turned the car in and told them theyre not holding up there end of the commitment so Im giving them the car back. XXXX has been hitting and reporting incorrect information ever since, they wrote the debt off as a bad debt/ charge off as new many times. It was originally written off as a bad debt in XXXX of XXXX, and that I Voluntarily surrendered it in XXXX of XXXX which doesnt even make sense, they also refused to let my return the car and make payment or do a settlement and just instantly wrote it off as a bad debt, since then it has hit my credit negatively multiple times ever since, I called this XXXX of XXXX to see if we could do a settlement on the account and they agreed to it, I paid {$1200.00} to reconcile the debt, they then put it on my credit as a new charge off didnt add any remarks as to it being settled and paid and now its stating I have to wait another 6 years for it to come off of my credit report, I made the XXXX payment in XXXX of XXXX and it states it was written off again as a new bad debt which isnt accurate and to do so they changed my previous payment history to match their story and cause me and my credit more harm. XXXX has hit my credit and cause me unnecessary harm to be malicious which is against the law. Also XXXX is a fraudulent company their corporate number is a disconnected number that doesnt work and also if you try and call their main office it goes straight to voice mail. The only working number is to make payments and they have refused to help me. I have reported this to all of the the credit bureaus, Experian, XXXX and XXXX but of course XXXX is reporting FALSE information back to them so my credit keeps getting hit over and over again from disputes which is also not allowed. Im currently a loan originator so I now have knowledge of all the federal laws that are be broken on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto dealer XXXX XXXX ran credit through multiple banks without my authorization. I told the sales representative specifically that I did not want my credit ran through multiple banks and the representative ran it through the banks : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there is an inquiry from XXXXXXXX XXXX and XXXX XXXX that I did not authorize and have no knowledge about, which are fraudulent. Contacted the Credit Bureaus and they did not want to assist me in any of these accounts. These inquiries were UNAUTHORIZED. I did not sign a form allowing them to run a blanket credit check nor did I give them verbal authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years now I have been investigating my credit report. Companies such as Experian, XXXX and XXXX, have been committing fraud, identify theft and long term racketeering along side of banks and third party companies they are using as shark debt collection agencies. 

i have suffered much emotion and mental damage and distress due to this ongoing disproportionate and disgusting behavior. 

These financial institutions breached their fiduciary duty to protect my nonpublic personal information by withholding a known fact!! 

XXXX states i was suppose to receive an explanation as to how I can opt out of all information reporting negative information. 

Late payments/Charge offs = R.I.C.O among federal laws these companies have collectively and knowing kept doing are the following 18 USC 1341 -Frauds and swindles 18 USC 1344 - Bank Fraud 16 CFR 1681 ( CRIME ) 15 CFR 1681c-1 ( FCRA )
Product: Debt collection

I actually have multiple issues with a debt buyer who has bought 3 very old accounts of mine, the agency has left messages threatening to turn information over to the police, and to meet me on the courthouse steps. However, my biggest issue is them reporting false information to the credit bureaus. They have bought old debt that was under dispute and have listed it as a recent delinquency. I have contacted all three agencies to dispute the dates and all three have informed me that XXXX XXXX XXXX is showing it as new debt and delinquency. XXXX XXXX refuses to correct it and says they are allowed to do this to force me to pay.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX Bank  increased my XXXX credit card from {$2600.00} to {$8000.00}. One week later, XXXX Bank reduced credit from {$8000.00} to {$2600.00} without any legitimate justification. 

My balance was already at {$2500.00}. Now I have a 97 % high credit utilization because XXXX Bank maxed out my credit limit by reducing my credit line from {$8000.00} to {$2600.00}. 

As a result, this has caused my credit score has dropped over XXXX points on XXXX, XXXX, and Transunion credit bureaus. My account is in good standing. I have no delinquencies. Please force or advise XXXX, XXXX, and Transunion to give me back my XXXX points ( or more ) that was a result of my 97 % high credit card utilization ( based on XXXX Bank XXXX Credit card ). 

Although a bank has a right to lower/increase credit, lowering my credit negatively impacted my credit score on XXXX, XXXX, and Transunion. My credit score shouldn't have decreased when my account was in good standing.
Product: Mortgage

I have disputed the claim that I missed ( 2 ) two payments back in XX/XX/XXXX to PHH Loan Servicing and they continue to to tell me that I missed the payments. When I discussed thoroughly my payment history which showed no missed payments ; they insisted they are right. I have proven documentation that no payments were missed but yet they are reporting me late and insisting I bring the account up to date now in XX/XX/XXXX. I asked why was this not brought up then, and they respond by reading a script with no answer. This is a foreign operated company who has little information about our laws, state laws, real estate laws, your loan and so forth. But yet has the power to discredit you by the means of your home investment. I have asked for a review and proof of missing payments ; and they send me a copy of the pay history so small I believe it would be a less than 6 font! Since I already had the information to prove other wise ; they failed to acknowledge and insist they are right ( even when I went over the payment history line for line ). I have tried to reach the company by the listed address in NJ, but only get a response from the over seas division of operation who has no clue as to what to do. All they want to do when calling is set up appointment dates to kick the can down the road. This is a major problem, I feel like I am being extorted for my house! I have looked into multiple ways of dealing with this issue and taking advantage of all that's available to me.
Product: Debt collection

I have XXXX sent via USPS certified mail requests to verify this debt and the company has not responded with any information to verify it. I had no dealings with this company they are trying to collect for. They also have refused to show proof licensing in my state, proof they own the debt, any detailed information on what the money is for, or how they come up with their calculations, copies of signatures showing I purchased any item, any payment history on alleged debt. They first replied they did not understand what I was asking for. After the XXXX certified letter, they said I did not submit sufficient information to investigate my dispute. This collection agency is the one who has come after me, left bad credit reporting, and for a company I never have done business with - the collection agency should have information to see what this debt is for, after all I do not have any further information, as I had no dealings with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to request a credit report due to I have information on my credit report that is fraud. 
I have not received a free credit report that I requested from the credit bureau that I have written for with no return as of date and its been over 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, THE THIEF OPENED A FRAUDULENT ACCOUNT AND THEY MAINTAINED THE ACCOUNT WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT AND ARE NOT MINE. I HAVE NO IDEA WHO THE THIEF IS, I UNDERSTAND THAT XXXX  IS A BIG COMPANY BUT ITS NOT FAIR FOR ME TO BE A VICTIM AND HAVE A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS IS DISCRIMINATION AGAINST A VICTIM OF AN IDENTITY THEFT, I AM TRYING TO EXPLAIN TO THE BUREAUS AND TO THE XXXX  CARD THAT SOMEONE STOLE MY INFORMATION AND THEY FRAUDULENTLY OPENED THIS ACCOUNT.
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  XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

Company is called XXXX XXXX XXXX. They have called claiming I opened credit cards in XXXX that were paid on until XXXX. They called on multiple occasions claiming XXXX different credi cards but with the same amount owed and the same claim of them being opened in XXXX and paid on until XXXX. XXXX claim was a XXXX XXXX, the other a XXXX. I never had a XXXX XXXX card until XXXX, which I currently have and my payments are made on time every month. I have never had a XXXX card. My credit has been monitored for the last XXXX yrs as I have been trying to rebuild. These claimes have never been on my credit report. I had bad credit at the time this company is claiming these accounts were opened. They also claim my XXXX who was in prison at the time are on the accounts. These are completely false claims. There are multiple statements on reddit from people claiming this company is harassing them on false debts as well. They have minimal information like the last XXXX of my social, threatened me with wage garnishment from a job I haven't worked at since XXXX. I have worked very hard to rebuild my credit and my life and I will not be threatened with false debt by scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This incident is regarding a purchase made at XXXX in the XXXX XXXX in XXXX, CA around on XX/XX/2020 around XXXX. Upon making my purchase the cashier asked me if I was interested in opening a store credit card to get 20 % off and I politely decline. She asked if I was interested in promotional offers and coupons and asked to see my drivers license. I agree and she takes my information down and asks me to answer the questions on the pad. I clarify, this isnt for a store card, right? She says no. As Im putting in my social and income, I get concerned and state that I would like to just do a traditional credit card purchase with no promotions or coupons and she cancels the transaction. Around 4 hours later, I receive an alert from XXXX that Macys did a hard inquiry credit pull and my score decreased 6 points. I return to Macys that same day around 4 hours later explain to the manager ( XXXX XXXX ) what happened and she explains that I should have received a different receipt but will contact me after looking into the problem. Today, on XXXX XXXX I hear back from the same manager and is informed that she essentially does not know how that happened. I explain that on my XXXX account, Macys is the listed company to who pulled it and I did not give anyone any authorization to pull my credit. I feel as if my problem was not fixed and my credit was unethically and illegally attained. I did not authorize that credit transaction. 

The purchase was in the amount of {$210.00} for a XXXX XXXX handbag.