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

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section XXXX ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. Equifax, XXXX, XXXX XXXX XXXX, and XXXX, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the XXXX policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section XXXX ( a ) ( XXXX ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. Equifax, XXXX, XXXX, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to Equifax, XXXX, XXXX, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law. 

Further, 15 U.S. Code 1681s2 ( A ) ( XXXX ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. Equifax, XXXX XXXX XXXX, XXXX, and XXXX, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had lost the tip of my XXXX and was out of work due to the incident I was not late on payments and I spoke with the manager of XXXX XXXX the next day it happened and told them what was going on they told me to submit proof that I was injured and lost a body part that they would pay the next 3 payments well they arrived 2 days later after documents sent and they said they would handle next 3 payments they than repoed the truck not being late and than charged me for the amount owed they reposed my truck to Florida when they told me everything would be handled
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I believed I had purchased a XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX in XXXX. I signed all the paperwork, made my down payment, secured insurance, and drove off in the car. However, when they submitted my application to the bank, the process became unusually lengthy. During this time, I repeatedly asked if the transaction was legitimate, as it began to feel like a scam. To make matters worse, they charged me more than we had originally agreed upon. 

When the bank did not approve the loan, the dealership ran my credit multiple times without my consent. They then pressured me into signing a new contract but refused to provide me with a copy. Meanwhile, they put me in a rental vehicle, claiming they needed to " fix '' the XXXX. When I returned, they demanded a larger deposit and instructed me to provide inaccurate information to the bank. I refused to lie or engage in fraudulent practices. 

I repeatedly asked for a refund or to return the vehicle, but they refused, stating I was already the registered owner with the DMV and owed them {$10000.00}. At that point, I was unclear about what I was being charged for. I constantly felt uneasy, worried they might repossess the car over this mysterious debt. 

On XX/XX/XXXX, after consulting with the new bank and correcting the inaccurate information, I ultimately decided to return the vehicle. Multiple banks and financial advisors had warned me against continuing business with this dealership. Despite returning the car, I left with no refund, no vehicle, and multiple unauthorized credit inquiries that I never agreed to or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This account was included in my XXXX XXXX XXXX conversion but they have refused to fix the balance on my credit report instead they have continued to report a balance. This has hurt my credit and needs to be rectified.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX. I am a XXXX XXXX XXXX  male. I currently suffer from XXXX XXXX ( XXXX XXXX XXXX   ) and XXXX XXXX ( XXXX XXXX XXXX ). As anyone may know, finding employment with any single XXXX   factor can become an undertakinglet alone having been diagnosed with two. I bring up my XXXX and race simply because I have been taken advantage of by HSBC. I have filed a complaint before and have remained in contact with respective partiesyet after nearly five months there has been no avail. One particular person by the name of XXXX XXXX, has lied on multiple occasions about the succession release of funds to my account. Consequently, my businesses have dwindledthus my source for providing sustenance for my family and myself have vanquished. Moments have become extremely perilous. In fact, I rationalize food and shelter with life saving medication. I have pleaded with XXXX on many occasions to help save my XXXX XXXX XXXX XXXXunfortunately, she continuously refuted. Nevertheless, after many days, weeks, and months without resolveI accord the CFPD once again for guidance and due diligence to bring about a resolute. Again, I know I am XXXX XXXX, XXXX, and disadvantagedbut this is no way a financial instate of this standard should discriminate against the disadvantage. I have reached out to HSBC nearly 200 times during the span of 5 months and each plea has been cascaded with hollow vacant responses.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX  OH XXXX Reference number XXXX Record type Bankruptcy XXXX  XXXXdismissed Court XXXX XXXX XXXX  OH XXXX XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX & XXXX - Original XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX  - XXXX creditor : XXXX XXXXXXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX 
Account number - XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX - XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX Account number - XXXX XXXX  XXXX XXXX - Original creditor : OHIO XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXXXXXX - Original creditor : XXXX XXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX  - Original creditor : XXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15

U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

_____________________________________________ BANKRUPTCY CODES.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452-
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. 

Equifax XXXX XXXX XXXX sent XX/XX/XXXX & XX/XX/XXXX Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/XXXX & XX/XX/XXXX Accounts : XXXX XXXX  XXXX XXXX XXXX ( Late Payment On Closed XXXX & Paid Off Account Only Shows On Equifax Report - Late Payment Forgiveness Letter Sent XX/XX/XXXX, XX/XX/XXXX - Inaccuracy ) XXXX XXXX XXXX ( Late Payments Only Shows On Equifax XXXX XXXX Report - Inaccuracy ) XXXX XXXX XXXX - {$1000.00} XXXX XXXX - {$820.00} XXXX - {$2100.00} XXXX XXXX  - {$3500.00} XXXX XXXX  - {$460.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Several companies listed inquires on my report that I did not personally request. I have contacted XXXX and notified them that I have been a victim of this and got no resolution. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/2018
Product: Prepaid card

The American Express gift card can not be used at online vendors or XXXX XXXX. Declined with no reason given despite the card being advertised to work with these service or refund the balance as cash or check to be actually useable.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I purchased XXXX {$200.00} MasterCard prepaid cards at XXXX. When I tried to use them about 2 weeks later, almost all of the money had been drained from the cards. I contacted the card issuer, U S Bank customer service and was told to submit copies of the receipts and affidavits that I did not use the cards myself. I was told it would take 45 days to get merchant verification and refund my monies. I was sent XXXX new cards. Only XXXX has XXXX on it. Another one has XXXX. When I check the balance on the other ones, I am told that the information ( card number, expiration date ) is not valid. I am now out {$990.00}. The request was made to replace or restore the balance on XX/XX/2016. I have not used any of the replacement cards.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX has violated my rights. 

looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they are supposed not to 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 am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I found that some accounts were mistakenly marked late. There should be no late payment remarks on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support removal I have check my credit report and seen the 3 credit bureaus XXXX, XXXX, EXPERIAN have reported child support on my credit profile without my authorization & I will like this deleted & will sue {$1000.00} for every error on my report if not fixed within 30 days this has stopped me from getting a house and is hindering my life Accounts XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence PLEASE REMOVE ASAP Sincerely XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I wrote a Truist check to " United States Treasury '' for {$4400.00} and mailed to IRS at XXXXXXXX XXXX, which has had millions of dollars stolen from the local post office. My check cashed a week later, as normal with IRS tax payments. On Saturday XX/XX/XXXX, I was notified by IRS that tax bills were resuming and I owed my {$4400.00} plus penalties and interest. I collected a copy of my original check and the cashed check and quickly realized my check had been significantly altered and deposited in the XXXX XXXX XXXX  to the new payee, " XXXX XXXX XXXX  XXXX. On Monday XX/XX/XXXX, I met with Truist Bank and completed the Check Fraud forms required, which were provided by Truist, and was informed that Truist had 90 days to respond to my case ( XXXX ). I called Truist 's Fraud department and was informed that Truist would make repayment, if they do not hear from the XXXX XXXX XXXX within 90 days. On XX/XX/XXXX, ( 83 of 90 days ) I received a notice from Truist that the form they provided for me to initiate the claim was the incorrect form and I needed to complete a " Non-Receipt of Payment Claims '' form and that their 90 days would begin again. I completed the new form on XX/XX/XXXX. XX/XX/XXXX completed the 90 days and it's now XX/XX/XXXX. I've repeatedly called Truist 's Fraud department, and can only speak with customer no-service, with the summary of the 30-60 minute call being, " your case is pending, I'll add notes that you called and if we need information from you we'll call you. ''
Product: Credit card or prepaid card

Approximately, a year ago my mother in law pass away, at which time i became the Administrator her of the state. During that time, i recovered a un cash check from synchrony bank/ chevron credit card. At which time, i made several attempts to have a replacement sent out because the check was a year old. However, synchrony bank keep promising to issue me a replacement over a course of 7 months. All legal documents were submitted to synchrony/ chevron credit.
Product: Credit card

On XX/XX/XXXX I contacted Synchrony Bank because I was trying to access my account online as I do every month to keep track. We opened a credit line for {$5500.00} to buy a piece of equipment for the house. The account was opened XX/XX/XXXX. 

I was not able to access all the information online and it said I had to call the company I called and asked the representative who assisted me why I couldn't check my account online. 

She stated the account had been closed. I asked what happened because we have been making automatic payments on time every month and there is no reason for the account to be closed. 

The representative stated that based on information they received from XXXX, they decided to close the account. This makes no sense to me because 1- i am not applying for new credit with them 2- I am not late on my payments in this account XXXX They are not authorized to check my credit if I am not applying for new credit with them As of today, This account is showing in the credit bureau as closed with a balance.
Product: Credit reporting

I applied to the XXXX XXXX XXXX credit card and was denied based on information was obtained from Experian credit reporting agency. 
I tried to obtain a copy of my report and was denied, I tried to talk to a live person, but Experian do not have that as an option. 
I have the right to know what information on my report, and Experian has the obligation to give that information. 
If Experian do not have a live person to respond to customer concerns, they should not be in position of being a credit reporting agency. 
it is like getting one side of the story. 
denial letter reference number XXXX, XXXX2015www.experian.compo.XXXX, XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself  ). I d isputed it on Transunion Dispute and reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company,  XXXX , and told customer service that the charge on that account was fraudulen t (   XXXX  charge for  XXXX   ),  so she turned off the account and anyone authorized users, and marked the transactions as fraudulent.