23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, a fact that I have presented to Equifax Credit Reporting Agency. According to FCRA 605.b when a consumer presents a claim along with documentation from a law enforcement entity the credit reporting agency should place a block or remove the account from the credit report permanently. Equifax didt remove for the following accounts : XXXX XXXX - XXXXand XXXX/XXXX XXXX - XXXX, yet over 60 days later re-entered these same accounts on to my report with out validation and provacation from me. The latter is a violation of not only the aforementioned FCRA legal code, it also violates sect. 611 and 624.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX. Account # : XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report and saw Items I am unaware of where they came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I already filled an FTC complaint and attached it on this complaint. I demand these items removed on my report since this is clearly a violation of my rights Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 %
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX opened-XX/XX/2018 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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

So I saw an ad that they could lower my interest rate. Gave them my information, and they put 2 hard inquiries on my report. One from XXXX XXXX XXXX and another XXXX XXXX. I try calling XXXX XXXX  and they say to call the banks and then the banks say to call XXXX XXXX. Then XXXX XXXX said to call Transunion. Transunion said to call XXXX XXXX and I explained to them I have and they advised I call you guys. 

This the second complaint, the last one had expired. But I did try and call again and nothing. 
Left a voicemail to the lady that had responded to the complaint, but I dont really think itll go very far based off past experiences.
Product: Payday loan, title loan, or personal loan

Hello, I have a MoneyLion Plus membership. I am charged {$9.00} to hold this plus membership which is fine. 

When I first opened the account and took out a {$500.00} loan it was a mandatory committment to invest in an investment account. After a few months moneylion changed their rules and an investment account was NO LONGER a requirement to have a PLUS account. 

I have {$150.00} in this investment account that I would like to take out and have deposited back to my XXXX XXXX XXXX Savings Account. 

Calls to Moneylion are fruitless because the person on the phone always says its a requirement to have this investment account because I have a PLUS loan BUT this is no longer a requirement for this account and essentially my money is being held hostage. 

I just want my {$150.00} set free and sent back to my XXXX XXXX XXXX account ending in XXXX
Product: Credit card or prepaid card

I have a Capitol One Visa account ( ending in XXXX ) which I pay in full with monthly automatic payments from my Capitol One 360 checking account. On XX/XX/2018, I paid the pending XXXX amount due ( {$6900.00} ) because I knew I wanted to make another charge which would take me over my limit ; I also paid an additional {$1.00} which I had charged. A few days later I noticed the Visa account showed the XXXX amount due as still scheduled for payment. 
So I called Capitol One Visa at XXXX ; I reached a young man who blithely insisted Capitol One Visa would never take money from my checking account if it had already been paid. He insisted there was nothing I could do to get that algorhithmically-generated amount deleted, but dont worry! 
On XX/XX/XXXX I find an email telling me Capitol One is taking the money. On-line, I, indeed, see that Capitol One has withdrawn {$6900.00} from my checking account -- although I had paid that amount on XX/XX/XXXX. 
At the same phone number multiple first-name only " supervisors '' tell me it will take five days to refund my money. And they say nothing about interest which they owe me on either the amount I paid XX/XX/XXXX or on the amount they removed in a microsecond on XX/XX/XXXX. I ended up talking with a XXXX. She insisted Capitol One Visa procedures can not be over-ridden. 
So, Capitol One Visa gets use of my {$6900.00} from XX/XX/XXXX through XX/XX/XXXX, then gets use of another {$6900.00} from XX/XX/XXXX through probably XX/XX/XXXX. And I don't earn any interest which would have accrued had Capitol One Visa handled the financial transactions correctly. 
There are computer programming failures here as well as training issues for employees who answer phones and give information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX committed fraud and created overdrafts by hiding true balances and re ordering transactions -- - and was sued and they lost -- - court order states these debts created by the fraud not supposed to exist -- - after years of fighting credit bureau of XXXX now this XXXX thing is now from bc services -- - origionally did give credit bureau of XXXX the court order but they still continued now sold it knowing court says debt not exist and this is past statute of limitations and letter has nothing about the past limitations and starts off as return top part with payment on it making people think it just now created and owe no matter what -- - these collection agencies never give up even knowing court says debt not allowed to exist -- - account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX and XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in to be removed. 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. XXXX, XXXX XXXX, and XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
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 XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account Number:XXXX  Account Name : XXXX  : : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : 1 Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX  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

Response has not been received for investigation that yoo received on XX/XX/22 Tracking number XXXX XXXX This has been over 40 days and deletion is now required. No proof that I owe this was supplied to me and must be in this timeframe. Signature and contract must be supplied upon request to verify debt and nothing has been provided.
Product: Debt collection

Direct Recovery Services contacted and left voicemails for me on my mother 's number. There, it identified my name, my account number, the name of this business, and the fact that I owe money. This is not the first time they have done this. I have no clue what these people are after, because they've never written me anything explaining what debt they're allegedly trying to collect, nor have they informed me of my right to dispute. They keep calling nearby individuals, including my Mom, Dad, and brother at this point, and now they've left voicemails, despite me having told them to stop when they first tried.
Product: Checking or savings account

On XX/XX/XXXX I got a text message saying that the email on my account has changed and if it was not me give them a call. So I call them as soon as I seem the text ( within minutes of receiving it ) the employee that was on the line told me the bank was closed Sunday and there was nothing they could do till Monday. While I was on the phone with him I started receiving notifications about large transaction coming out of my account I asked him if they could atleast lock my account to avoid these transactions. He responded with no that they would have to let them go through and couldn't do anything to stop more from coming through until the next day and then I'll have to report them as unauthorized transactions to get my money backbecause again the bank is closed on Sunday. The next day I call them back they change my email back and phone number so I cam access my account by then every dollar I had in my checking and savings account was completely gone ( around {$720.00} ) I then told them I wanted to report these as unauthorized transactions then they started giving me different reasons why they are not liable for these transactions and I can not get my money back. I asked them to tell me where to find that under their legal cardholder agreement and when I read to them the parts they tried to point out and showed how that would not apply to this situation they would then hangup on me. I've called multiple times and have gotten multiple different answers on why they are not liable for these unauthorized transactions with the end of the call almost always being hung up while I was trying to get more I formation. I have filed a police report on some of these transactions where I've been able to locate the city they were done in.the company that this was through was XXXX/payfare.
Product: Student loan

The XXXX school that I went to is being sued by the government for being fraudulent
Product: Credit reporting or other personal consumer reports

I have attached the letters that I sent to XXXX and they have illegally denied my requests stating that it was a third party. I created and sent these letters myself. Please see attached letter that was mailed to me from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX XXXX {$860.00} DEPTEDXXXX XXXX {$5100.00} DEPTEDXXXX XXXX {$5000.00} XXXX XXXX {$410.00} XXXX XXXX  XXXX {$780.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX {$2000.00} XXXX XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX XXXX ) am in receipt of a letter received on XX/XX/2021 from XXXX XXXX XXXX. 

Per the letter it states the following Please be advised we have been unable to obtain the verification in the timeline required at this time. Therefore, we have requested the account be deleted from any consumer reporting agency files to which we have submitted information.

Letter uploaded.

It has been 88 days and yet the alleged debt and derogatory remarks remain on all three credit bureaus. See attached.
Product: Credit reporting or other personal consumer reports

I received a decision in my XX/XX/XXXX XXXX late dispute, attached. CFPB Case Number XXXX Chrysler Capital concluded that the reason for being reported late is that a late fee was taken out of the regular monthly payment of {$530.00}. 

Late fees have been on my account starting in XX/XX/XXXX. And those late fees were carried over, month after month, for 2 years with no attempt to deduct them from my regular monthly payment. Then in XX/XX/XXXX you decided to take the late fee out of my payment. The Chrysler Capital monthly statements are attached showing the late fees being carried over month after month for years! 

I never received any notification that in XXXX they arbitrarily decided to collect the late fee. 

It was reasonable for me to assume that the late fees would be carried over and then collected at the end of the lease. 

Why would you carry over the late fees for 2 years and then take it out with no warning. 

I was calling Chrysler Capital every month for past 6 months to extend my lease. They told me every month that my account was fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX pulled my credit report without my authorization. My credit card account was also closed on XX/XX/XXXX due to inactivity. However, I used my card on XX/XX/XXXX prior to it being closed. I called the bank to address this discrepancy. Since it was less than a 30 day gap and because it was their error they would reactivate my account by XX/XX/XXXX and a replacement credit card would be issued because my card expired on XXXX/XXXX/XXXX. In this conversation I specifically asked how my credit report would be affected. They stated that my credit would not be affected in any way. I was told that everything on my account would remain the same with the original open date.
Product: Mortgage

UNAUTHORIZED THIRD-PARTY ACCOUNT ACCESS AND CONDUCT CONCERNS Bank of America has been providing my home loan mortgage account information to unauthorized third parties for years. During this time, XXXX the mortgage and service records associated with and related to my home loan mortgage account, the borrower Home Loan Modification Status iportal, the MHA HAMP, and the MHA HAMP TPP process have been mishandled, destroyed, withheld, and otherwise altered to my detriment. This conduct has been intentional on the part of Bank of America and is designed and implemented to coerce and harass through the use and employment of poor and deceptive practices as a matter of standard policy in and during the ordinary course of business with the intention to defraud borrowers of their home while violating written agreements including, but not limited to, the Deed of Trust. 
While Bank of America may hide behind the built-in, go to, standby, default excuse of individual representatives misconduct and their lack of knowledge and skills during and throughout any modification, workout, and loss mitigation processes, Bank of America has no excuses for allowing such conduct to continue and such open disregard for the various and applicable laws, regulations, guidelines, timelines, agreements and their own stated policies, procedures, and code of ethics ( assuming those ethics are in line with those regulated and governed by state and federal laws ). 
I have uploaded XXXX documents submitted with this complaint. I will submit at least XXXX additional documents to the CFPB under this complaint number once assigned later this date.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5700.00} XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX  XX/XX/XXXX