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

On XX/XX/2024 I pulled my credit report and noticed that there is multiple fraudulent accounts listed on my credit profile. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  these accounts do not belong to me. I have never signed any documents agreeing to have my information shared with these companies. According to 15 USC 1692g ( a ) I was suppose to be notified regarding the furnishing of these alleged debts however I never was which resulted in these accounts being listed fraudulently. I have filed a FTC report along with providing my photo Id I want these items investigated immediately because I am in the process of becoming a homeowner and these items are causing sever damage to my creditworthiness. If any proof can be provided then it must have my wet ink signature on a legally binding contract otherwise I believe that it can be fabricated by the culprit who stole my identity to open these accounts.
Product: Credit card

THIS IS GOING TO BE A VERY SERIOUS COMPLAINT AND ONE THAT WARRANTS IMMEDIATE INVESTIGATION LEADING TO AN APOLOGY AND PENALTIES AND PUNITIVE DAMAGES REWARDED TO ME. 

MY COMPLAINT IS THAT BANK OF AMERICA IS PARTAKING IN DISCRIMINATORY PRACTICES AGAINST ME. I DID NOT REPORT THE FIRST INSTANCE OF THIS ABOUT A YEAR AGO, BUT NOW THAT IT IS OCCURRING AGAIN, I FEEL COMPELLED TO REPORT THE ABUSE NOW. 

THE FIRST INSTANCE OF DISCRIMINATION OCCURRED ABOUT A YEAR AGO IN THE XXXX, XXXX, AZ BRANCH. I WAS MAKING A DEPOSIT FOR MY DAD, WHO IS XXXX, XXXX  XXXX AND UNABLE TO COME TO THE BRANCH. I WAS MAKING IDLE CONVERSATION WITH A FELLOW CUSTOMER WHILE IN LINE FOR AN EXTENDED AMOUNT OF TIME. HE EVENTUALLY GOT FRUSTRATED AND LEFT. 

I THEN STARTED TO MAKE CONVERSATION WITH A MAN IN FRONT OF ME. I JUST ASKED HIM IF HE HAD A COMPLICATED TRANSACTION THAT WOULD TAKE A LOT OF TIME. ( I WAS THINKING OF LEAVING AND COMING BACK ANOTHER TIME ). HE LOOKED ME OVER AND BECAME VERY RUDE. HE ACTUALLY STARTED ABUSING ME VERBALLY. I TOOK OFFENSE TO THAT AND DEFENDED MYSELF. THAT ESCALATED HIS ATTACK AND HE STARTED TO BECOME PHYSICAL. 

I DIDNT WANT A CONFRONTATION SO I RETREATED TO ANOTHER AREA IN THE BANK AND STOOD BEHIND A BANK ASSOCIATE. I EXPLAINED WHAT WAS DEVELOPING. THEY TRIED TO CALM HIM DOWN. TURNS OUT HE IS XXXX AND I AM XXXX. HE SENSED THAT AND WAS SO EVIL TO ME. AFTER ABOUT 15 MINUTES OF HARASSMENT FROM THIS PERP, I WAS TOLD TO LEAVE AND WAS FORBIDDEN TO EVER COME BACK TO THIS BRANCH. THE PERP HAD NO RESTRICTIONS PLACED ON HIM. 

THATS DISCRIMINATION. 

NOW ABOUT A YEAR LATER BOFA GOES AHEAD AND LOWERS MY CREDIT CARD LIMIT BY OVER 30 %. MY BALANCE IS {$0.00}. MY ACCOUNT IS A FEW YEARS OLD AND WHEN I DID HAVE A BALANCE IT WAS MAINTAINED IN AN EXCELLENT MANNER. I AM XXXX, XXXX AND ON SOCIAL  SECURITY  INCOME. I HAVE EXCELLENT CREDIT RATING WITH OVER 15 CREDIT CARDS. NEVER ANY LATE PAYMENTS AND LESS THAN 10 % UTILIZATION. THERE IS NO JUSTIFICATION FOR MY LIMIT TO BE LOWERED. I HAVE BEEN AN IDEAL CUSTOMER WITH SUPERB HANDLING OF THIS ACCOUNT. 

WHEN I CONTACTED THEM TO CORRECT THIS, THEY WERE VERY RUDE AND UNHELPFUL. THEY DID TELL ME THAT IT WAS LOWERED DUE TO " INACTIVITY '' AND " HIGH '' UTILIZATION IN ALL ACCOUNTS. 

MY CARD WAS INACTIVE BECAUSE THEY DIDNT OFFER ME ANY PROMOTIONS OR ANYTHING BENEFICIAL TO ME ( LIKE 0 % APR, BALANCE TRANSFER, PURCHASE PROMOS, ETC ) HOW CAN I BE PENALIZED FOR NOT USING THE CARD WHEN THE BANK DOESNT OFFER ANY MEANINGFUL DEALS, WHICH I AM GETTING AT OTHER BANKS RIGHT NOW? 

ALSO, I DONT THINK 10 % UTILIZATION IS HIGH. IN FACT, THE INDUSTRY, INCLUDING THE CREDIT BUREAUS DOESNT THINK 10 % IS HIGH, THEY ACTUALLY THINK ITS EXCELLENT. 

THE ONLY CONCLUSION THAT ONE CAN MAKE IS THAT IF I WAS PENALIZED WITH NO JUSTIFICATION THEN THE REASON FOR THIS ACTION IS DISCRIMINATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to access my credit report through XXXX. However, when I needed to dispute some erroneous items on my report through Experian they are unable to validate my identify. They had me complete an online form and submit evidence and I've received no confirmation and no response. So I tried again and this time they tell me to call their 877 number to validate my information and they don't have a single option in their IVR menus that will allow me to speak with a person. Within the IVR I tried to pay for a report from them hoping it would allow me to speak to a person or clear up whatever information isn't matching and they took my credit card information but didn't send me any confirmations through email or even tell me the order was successful. So I reached out to them on XXXX and received even less assistance after them asking me for information so they could locate my profile. They are denying me access to my credit details and the ability to correct items of error on my report. Which is denying me ability to purchase a vehicle.
Product: Checking or savings account

My debit card was skimmed a few weeks ago. The perpetrator used my card to withdraw money by using the cashback from XXXX XXXX times and the ATM. The total amount withdrawn sums up to roughly {$8600.00}. I filed numerous claims to Chase regarding all of unauthorized transactions. I also filed a report to the XXXX Police Department. 

All of the claims resulted in denial, due to the fact that the debit was in my possession and that the card and pin number was used. I have evidence proving that I was not at the location at the time the debit card was illegally used. I also have a rare history of using my debit card to withdraw money from the ATM and have NEVER used it at a XXXX location. I did not shop at a XXXX using my debit and my credit card as well. 

I also did not receive any fraud alerts of these repetitive transactions that occurred. Yet, Chase is not considering any of the above.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated, my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 section 602 A ... ... .. states the right of privacy 15 USC 1681 section 604 A section 2 ... ... .... States a consumer reporting agency can not furnish accounts without my written instructions. 15 USC1666B ... ... ... ..A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late or any other purpose. ALL RIGHTS RESERVED
Product: Student loan

The problem I am having, is I pay every month but my balance and monthly payments aren't going down. These are student private loans, and because of their % rates & late fees, i'm not going to get these paid off. There should be better practices with these high interest rates and late fees, especially when you are making my monthly payments. 
Here is an example of the interest rates, late fees, and the monthly payments I've made in the last two years. Navient has too many hidden rates and fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Under Section 16.81.o Failure to Provide 1099 Form Dear XXXX, I am writing to formally dispute the accuracy of information on my credit report, as provided by XXXX XXXX XXXX XXXXXXXX XXXX charged-off debt. This information is inaccurate and does not comply with legal requirements, as I never received the required 1099-C form for this charged-off debt. This omission renders the reporting of this account invalid and negligent. 

This inaccuracy has caused me significant harm, including : Denial of credit due to the reporting of this charged-off debt. 
A negative impact on my credit score, which has affected my financial opportunities. 
Request for Resolution I am requesting that XXXX take the following actions : Conduct an investigation into the accuracy of the reported information. 
Remove the inaccurate account from my credit report promptly, as it fails to meet legal compliance standards. 
Notice of Intent Should you fail to resolve this matter adequately, I will consider taking further action, including seeking damages for negligence and non-compliance under Section 16.81.o. 

I trust this matter will receive your immediate attention. Please confirm receipt of this letter and provide an update on the status of my dispute within 15 days. 

Thank you for your cooperation. 

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

I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. I have contacted the companies and the actions were initiated without any proof of the companies reporting. The inquiries are not factual since I never authorized them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested XXXX XXXX servicing to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.
Product: Checking or savings account

MY ACCOUNT WERE CLOSED WITH NO EXPLINATION. 

I HAVE THAT Bank of America ACCOUNT FOR MORE THAN 14 YEARS. I CALLED AND THEY DONT WANT TO TELL ME WHY!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SXXXX 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

In XXXX of XXXX, my car went missing from a parking stall. It was a XXXX XXXX. I assumed that the car was towed because I was in a tow parking spot, in which I did not have the money to pay them so I did not think twice about trying to figure out where it went. A few years later i found out that my car was taken by XXXX XXXX XXXX, which is a pay day loan place for cars. I explained to the representative that I never got a pay day loan on my car and requested documentation on the car that showed where I got my car from. The lien on the car was for rougly {$3000.00} and and they wrote off XXXX and is still reporting a balance of XXXX. All of which I do not owe because I never took a lien out on my car.
Product: Credit reporting or other personal consumer reports

Complaint Details : I am filing a formal complaint against XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( a ) ) due to inaccurate, misleading, and contradictory reporting on my credit report. Despite my previous disputes, the company has failed to correct these errors, which have negatively impacted my credit score and financial standing.

1. Inaccurate Balance Reporting XXXX XXXX has reported a balance of {$13000.00} on my credit report for an account that was charged off and closed on XX/XX/XXXX. However : My vehicle was repossessed on XX/XX/XXXX and sold at auction on XX/XX/XXXX, which should have resulted in an updated balance. 
The current balance should reflect a post-repossession charge-off, not an active loan. 
If the debt was transferred to a collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ), the account should be properly updated as a collection, not an open loan. 

2. Contradictory and Misleading Payment History XXXX Financials reporting is inconsistent : My report states I made 22 % of payments on time, but nearly every month since XXXX is marked as latethis is contradictory and misleading. 
The report falsely states that my last payment was made on XX/XX/XXXX, even though the account was closed in XXXX. This inconsistency suggests falsified data and violates the FCRAs accuracy requirements. 

XXXX. Failure to Properly Verify Disputed Information Under 15 U.S.C. 1681i, XXXX XXXX is required to properly investigate and verify any disputed information. However : I have disputed these errors with the credit bureaus ( XXXX, XXXX, and XXXX ), yet XXXX XXXX failed to correct or verify the information. 
Instead of providing proper documentation, they continue to report inaccurate balances, payment history, and account status. 

4. Misrepresentation of Loan Terms My original loan term was 48 months, but the account was closed prematurely in less than two years due to repossession. 
If the vehicle was sold at auction, the remaining balance should have been adjusted accordingly, yet this adjustment was not made. 

Desired Resolution : I am requesting that XXXX XXXX and the credit bureaus immediately correct these errors by : Updating the account balance to reflect the correct amount post-repossession and charge-off. 
Correcting or removing the inaccurate late payment history. 
Providing proper documentation verifying the accuracy of the reported information. 
Removing the derogatory status if the account was improperly reported. 

If XXXX XXXX does not resolve this matter promptly, I will pursue additional legal action under the Fair Credit Reporting Act ( FCRA ) and consider filing a lawsuit for willful or negligent violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report. I did not authorize this inquiry, and I am requesting its removal. 

Details of the Unauthorized Inquiry : XXXX XXXX XXXX CITIBANK NA., BEST BUY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Scheduled to Remain Until : XX/XX/XXXX I did not apply for credit with this institution, nor did I XXXX permission for this inquiry. Under the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries should be removed from my credit report. 

Please investigate this matter and provide confirmation of the removal. If this inquiry was the result of fraudulent activity, I am prepared to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. Please confirm in writing once this inquiry has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ONLY responded with the info and history of the charge off. Equifax DID NOT address the complaint and remove the Paid in Full charge from the credit report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Infiniti Financial Services for Violations of the Fair Credit Reporting Act Dear Consumer, Financial Protection Bureau, I am writing to formally lodge a complaint against Infiniti Financial Services regarding multiple late payments reported on my account, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). 

In accordance with 15 U.S.C. 1681 Section 602, I assert that my right to privacy has been compromised. Specifically, under 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing information about me without my explicit written consent. However, I have not provided such consent for the reporting of these late payments. 

The details of my complaint are as follows : DATES : Any late payments reported since XX/XX/year>. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Infiniti Financial Services corrects the inaccuracies in their reporting. Additionally, I would like to receive confirmation of your receipt of this complaint and any updates regarding the status of your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Pursuant to CFPB Complaint XXXX, Santander charged off the last two payments of a 36 month auto loan opened in XX/XX/XXXX, that I had requested the company to respond to regarding their predatory 13 % interest rate. They were in the courts and news at the time for predatory practices, which made me examine more closely how much profit was being skimmed from the loan. Instead of responding to my request - they never initiated collection - but instead sent men who harassed me, followed me to and from work and home, and not once tried to speak to me or repossess the car which was always visible and easily accessible. 

In retaliation, every six months, Santander reports erroneous late payments to XXXX, causing a 25-40 point drop in my credit score. The loan is closed and has been since XX/XX/XXXX. Currently, the XXXX and XXXX payments of XXXX have been reported as of last week by Santander as delinquent. I saw the change in XXXX XXXX, checked the Santander closed account, and yet more payments were now showing up as delinquent. I immediately filed a dispute with XXXX, however can we stop this predatory reprisal. It impacts my credit and takes time to resolve. Since their pattern of abuse and fraud is recognizable, can you help me have them remove erroneous late payments that have long since been charged off with account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter ( Tracking number : XXXX ) dated XX/XX/2021 was sent to TransUnion showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 50 days have elapsed since this deletion request was filed with TransUnion. Again, on XX/XX/2021, a second letter was sent to TransUnion demanding that they comply with the deletion request as mandated by the Federal Regulations ( FCRA section 609e, 611, 623 ). 

TransUnion has continued with the unlawful reporting of inaccurate information that has resulted in the loss of employment, business opportunity, denial of credit, and loss of financial standing. To this very day, TransUnion has failed to provide a proper investigation as mandated by FCRA and court rulings that require a proper investigation with supporting evidence. TransUnions act of unlawful and inaccurate information reporting continues to go on unabated with full knowledge of their willful and negligent conduct that undermines my credit as a consumer. 

I hereby request the involvement of CFPBs assistance in ensuring that TransUnion complies with the regulations outlined by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I disputed XXXX transactions with chase bank for XXXX separate XXXX XXXX  unauthorized charges, my claims were denied, chase bank told me that they're not responsible for XXXX XXXX  unauthorized charges because they can't recover the funds, so chase bank held me liable for the XXXX XXXX transactions. I never had a XXXX XXXX account nor did I give anyone permission to use my card on XXXX XXXX  chase bank is in violation of regulation XXXX, Chase bank did not perform a correct investigation into this matter. 


" See Financial Institution FAQ # 4. The CFPB says that while XXXX XXXX is a financial institution, the depository financial institution ( you ) " chase '' is still considered a financial institution for the purpose of the definition since the charge debited an account at your institution. 

Also see Unauthorized EFT FAQ # 11. It specifically states you have an obligation to investigate when a non-bank XXXX provider initiates a debit to your customer 's account. '' I am requesting a monetary relief for these unauthorized charges in the amount of the total fraudulent charges, I am also requesting an additional {$1000.00} for chase being in violation of Regulation XXXX and violating my consumer rights.
Product: Mortgage

To whom it may concern, Thanks in advance for your help with this.

I have a mortgage with SunTrust Bank and have entered the Covid-19 forbearance program in XXXX of XXXX. In XXXX of XXXX I've inquired about the possibilities of exiting forbearance and it was recommended to me to do an application for a loan modification. I received the paperwork for my loan modification midXXXX and e-mailed it back within 2 days of receiving it. A few days later I spoke to a representative that made me aware of a missing document, which I then submitted on XX/XX/XXXX via email. On XX/XX/XXXX a representative confirmed with me via phone call that they've received everything they needed and were processing my application. 

A few weeks later a representative told me that they would extend my forbearance to give the application a little more time to be processed. Since then I've been following up every 2 weeks with them via phone and have been repeatedly told to just wait and that the application is still processing. 

I still haven't received any paperwork outlining my trial payments or any other details regarding my loan modification. My most recent phone call with them was on XX/XX/XXXX and the representative reached out to the processing department via email to try to speed things up. 

Any help with this would be really appreciated and I would be very grateful if this whole process could come to an end at some point soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 TransUnion Credit Report showing XXXX days past due..THIS IS INCORRECT..payment was due on XX/XX/XXXX, I paid on XX/XX/XXXX,. Just XXXX days past the due date ... XXXX incorrectly reporting me to TransUnion..I AM REQUESTING REVISION TO MY CREDIT REPORT AT ONCE!!! I HAVE NEVER BEEN XXXX DAYS LATE EVER!!! 

FURTHERMORE ... THIS IS THE XXXX TIME THIS HAS HAPPENENED IN RECENT MONTHS ... I want to be COMPENSATED for the damage imma monetary credit to my account
Product: Payday loan, title loan, personal loan, or advance loan

The interest rate is 490 % which is higher than allowed for a {$900.00} loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXX XXXX account was CHARGED OFF on XX/XX/XXXX on XXXX, XXXX XXXX, XXXX and Experian XXXX of XXXX. XXXX XXXX continues to report it as a charge off/ collection status open, with discrepancies between each of the credit bureaus. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX  deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX XXXX  has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.