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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the financial institution and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Per 15 USC 1681a ( 2 ) ( A ) ( 1 ) reporting transaction history is ILLEGAL. 12 CFR 1022.3 defines IDENTITY THEFT as a fraud committed or attempted using the identifying information of another person without authority. 15 USC 1681o is civil liability for non compliance. I never received a 30 day opt out notice per 12 CFR 1016.7. Nor was I given reasonable opportunity to opt out per 12 CFR 1022.24. I am requesting XXXX, XXXX and TRANSUNION to provide documentation used to determine reporting transactional history was authorized by me the federally protected consumer signed with a wet ink signature. XXXX, XXXX and TRANSUNION have 15 days provide me with name of person spoken to, documentation used and any proof of reporting authorization. This information is being reported and used fraudulently as I have not given authorization or permission to use it especially my non public personal information.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this XXXX The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Willful Noncompliance : Experian didn't properly validate the disputed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

my name is XXXX XXXX XXXX XX/XX/XXXX XXXX l financed a vehicle through ford credit ACT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my vehicle was repossessed. 

XX/XX/XXXX called ford XXXX XXXX at XXXX XXXX  and spoke to XXXX and l had 2 inquiry with XXXX XXXX was copy of. the loan contract and information to reinstate my loan and pick up lot info. 
when l requested the loan contract to be sent to me XXXX was very unwilling to do so which l felt it was un ethical even asked for me to call the DEALER SHIP WHERE l purchased the vehicle. proceeded to tell her can't l get the contract from ford credit the contract from ford credit. XXXX got noticeabley agitated she had me on hold for over 15 min and then said it will be mailed to me. then said now l will interview you on reason for repo. then immediately followed up with the loan WILL NOT BE REINSTATED. l explained to XXXX that bank made an error they sent the payment twice and then retracted twice and didn't give a reason l begged XXXX to to please re consider she said to speak with her supervisor name XXXX. she sent to his extension and l left several voicemail and XXXX has never called me back. l then called and spoke to another redemption team member name menni and she went through the actt info and expressed that it didn't make sense to her why XXXX didn't reinstate the loan it was a uniq situation l also at this point paid through XXXX XXXX. all the past due balance and towing fees to show good faith.l even offered to make a additional downpayment deposit XXXX  again they said XXXX would call me back and the call never happened l ASK THAT ALL MY CALLS BE LISTENED TO. and if possible send me a copy as well of calls and contract. 

also when vehicle was picked up driver left massive tire mark on my whole drive way. now the HOA IS TRYING TO FINE CAUSE OF THE DOINGS OF THE REPO CONTRACTOR l HAVE footage and images of the doings l truly don't understand how this affects a consumers life on they not being resonsive.
Product: Debt collection

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed a balance of {$48000.00} for Arc management group and I do not have knowledge of this account.
Product: Credit reporting or other personal consumer reports

Dear Department, I am writing to dispute a late payment reported by Bank of America on my credit card. I have always paid my credit card debt on time for over 9 years, and this missed payment was due to errors on Bank of Americas part, not mine. 

In XX/XX/year>, I visited the XXXX XXXX, NJ branch to set up automatic payments for my credit card, as I was preparing to travel abroad for three weeks to XXXX and XXXX. Although I attempted to set up auto-pay online, I found the system difficult to navigate. At the branch, the representative assured me auto-pay was successfully set up to cover my monthly gym membership fee of {$21.00}. 

When I returned in XX/XX/year>, I discovered the payment hadnt been processed. I revisited the branch to resolve the issue, but I was unable to get proper assistance. Despite having sufficient funds in my account, the payment was reported as late. I have tried disputing this with Bank of America directly, but they claimed the report was accurate, even though this issue stemmed from their failure to properly set up auto-pay. I can even provide emails and request camera records from the branch to prove my visits. 

I understand the late payment was reported accurately, but it was not my fault, and I request that this be considered in your review. The error was caused by Bank of America, and I have always been diligent in managing my accounts. 

Thank you for your attention and assistance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing an evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlights in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of the investigation. 

This is the account I have marked as XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has allowed companies of various interest to report accounts, amounts, reporting information without FIRST notifying the natural person who is principal for the person XXXX XXXX XXXX. Experian has repeatedly violated the federally protected rights and that of the private rights by allowing incorrect, illegitimate, fraudulent, illegal, unverified, unvalidated, unproveable reporting of accounts. Numerous and repeated objections, disputed accounts with specific instructions for undeniable proof that alleged debts being reported were in fact Lawful and Legal by providing evidence in the forms of wet-ink signatures of purchase agreements, contract agreements, receipts, any and all evidence that a TRUE AND LAWFUL debt was owed. 
NOT ONCE has Experian provided ANY PROOF BY ANY MEANS REQUESTED. NOT ONE shred of proof has been supplied as of this submission of dispute. Experian has consistently demonstrated a natural persons privacy, reputation, financial independence, societal and professional well being is of no importance and consequence to Experian. 
Experian has the arrogant belief that it has somehow the right to administer a persons estate. Experian does not have nor ever been given the right and or permission to administer my estate in any capacity. Nor will it ever!!! Experian is only licensed in Maryland for consumer and credit reporting. Further!!! the continued illegal reporting of information of which Experian HAS NEVER BEEN GRANTED the right, permission to buy, sell and or report my private information. This is IDENTITY THEFT BY EXPERIAN.!!!! CEASE AND DESIST IMMEDIATELY OF THE FOLLOWING ACCOUNTS. XXXX XXXXXXXX XXXX XXXX ACCOUNT # : XXXX / XXXX XXXX ACCOUNT # XXXX / XXXX  ACCOUNT # XXXX  IF NOT REMOVED IN XXXX HOURS OF THIS RECEIPT A MULTI XXXX DOLLAR LAWSUIT IS READY TO BE FILED AGAINST EXPERIAN FOR ITS CONTINUED ILLEGAL IDENTITY THEFT
Product: Mortgage

Over a XXXX month period I made additional payments to my mortgage that were supposed to be applied to principal. 
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXon XX/XX/XXXX I was charged the interest due in XX/XX/XXXX that would have been significantly reduced by the principal payment had it been properly applied. 
on XX/XX/XXXX both payments were applied to principal. 
on XX/XX/XXXX the additional principal was applied as a XX/XX/XXXX payment and I was charged for XX/XX/XXXX 's interest again XXXX days prior to the interest even being due. 
When we discovered this issue we requested a correct to the account. CCO Mortgage has repeated changed the account always placing the XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX principal after all the interest is calculated. 
It is now XXXX and I had an approved automatic payment removed from my Checking account that was lumped in with the XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX principal in an attempt to correct the Mortgage payments. CCO is now claiming my XX/XX/XXXX payment is late even though it is clearly been paid. 

I have XXXX been overcharged for interest. 
They have XXXX attempted to fix the account but even though they are supposedly banking professionals they continually apply principal payments after they calculate interest in a clear attempt to overcharge me. 
Payment History:XX/XX/XXXX - Normal Payment ( Principal, Interest Escrow ) XX/XX/XXXX - Additional Payment of {$5000.00} applied by CCO Mortgage as the XX/XX/XXXX payment. 
XX/XX/XXXX - Normal Payment applied as XXXX - Additional {$5000.00} payment applied as XXXX - Normal XX/XX/XXXX Payment. 
XX/XX/XXXX - Additional {$5000.00} applied as the XXXX payment by CCO Mortgage. 
XX/XX/XXXX - Initial call to correct the account payments. 
XX/XX/XXXX - XX/XX/XXXX Multiple attempts by CCO to correct the payments always charging more and more interest with each attempt to correct because they continually apply the principal payments after they calculate each months interest. 
XX/XX/XXXX - Normal payment taken out of Checking account but applied as Principal. 
XX/XX/XXXX - Called CCO Mortgage with an attempt to fix the missing XX/XX/XXXX payment that was lumped in with the attempts by CCO to correct the account. 
XX/XX/XXXX - Late payment notice issued by CCO Mortgage requesting immediate payment for XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I AM CERTAIN THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  refused to remove hard enquiry on my credit bureas. Attached are their emails screenshots requesting I should complete my application because the had a hard enquiry on my credit not soft pull and from this email screenshots it indicated I did not finish the pre-qualification because they requested for my vehicle documents via email when I had selected I have auto loan. 

From date of the email asking i should pick where I stopped showed i need completed their loan application and should not have hard enquiry on my credit report. 

They lied to cfpb in their letter. I never finished their application when the sent an email requesting for my car documents when i had selected option i have auto loan and it was hard pull not soft pull.
Product: Debt collection

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX XXXX XXXXXXXX reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX XXXX  ACCOUNT XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Barclay 's Luxury Card offered a generous 0 % APR and zero fees, including waiving the {$990.00} annual fee, for XXXX military, for the duration of their XXXX. I, and many others I know, took advantage of this offer. My credit limit was steadily increased, unsolicited, and coupled with the 0 % interest, this encouraged carrying an ever-increasing balance. Now, a year later, Barclay 's is telling everyone they 've changed the policy and will now be charging the {$990.00} annual fee. For those of us who ran up balances for things like home repairs, it leaves us having to either find a way to quickly pay off large balances or pay the {$990.00} fee. This was deceptive of Barclay 's and feels like a predatory bait-and-switch scam to lure XXXX, if not XXXX, of servicemembers to be on the hook for recurring {$990.00} annual fees.
Product: Credit reporting or other personal consumer reports

These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit decision was based, " in whole or in part '' on a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to equifax asking them to verify that items on my report were being reported correctly on my credit profile and if not to please update in a timely manner. On XX/XX/2021 I sent a follow up letting asking again to verfiy items were still being reported correct and no response from equifax. XX/XX/2021 I sent a follow up message to equifax asking them to delete the following account because todate they are still being report inaccuratly on my credit profile. According to FCRA Section 611 : States " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate. Equifax failed to do so and are in violation of my FCRA rights. I am asking that they delete the following accounts since they are still being report inaccuratly. XXXX XXXX XXXX XXXX
Product: Credit card

The amount under dispute is {$280.00} on XX/XX/2024 from XXXX, XXXX XXXX XXXX. Both XXXX and Discover  are telling me that the charge is NOT fraudulent and that I am responsible for the purchase. Responsible for a purchase I never authorized. I opened two investigations with Discover from XXXX to XXXX, as well as XXXX to XXXX of 2024. They told me XXXX XXXX  was able to provide proof that I made the purchase. Meanwhile, XXXX and XXXX XXXX, on the other hand, are not able to find the information.
Product: Credit card or prepaid card

I used my Chase sapphire reserve card and associated points to book a trip for my family a couple of weeks ago. I was forced to rebook/change my return flight and contacted the Chase travel agent to assist me with changing my booking. After approximately six hours of being on the phone, and being call dropped several times, I was told that I could get a flight the following day. XXXX  travel agent informed me that I would pay approximately {$450.00} for a new flight return for myself, my wife, and lap infant. A confirmation email was sent to me and money was taking from my credit card. The next day upon check-in, the airline agent informed me that all the booking was made a ticket was not actually issued. Given the difficulties of traveling with a baby, I was forced to buy a new return ticket the following day directly through the airline. Upon returning from my trip, I contacted Chase travel to inform them that they took money without actually giving me a ticket on a plane flight. After several hours with a supervisor, I was given a very minimal point reimbursement. This was not enough to even cover the costs accrued to book the new flight. I was told that they would investigate this again and I would get a call back. It is now three days since that conversation and I have not heard back from anyone. I fully expect a refund of the booked flight that was made that did not have an associated ticket. Additionally, I asked if there was anything that can be done about the additional night I had to stay on my trip and the cost associated with that ( hotel, taxi, food ). Chase travel company is very unreliable and difficult to get a hold of. After multiple hours on the phone with call dropped they are unable to return my calls or resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to a previous complaint ( XXXX ) regarding XXXX XXXX, Equifax responded and said that XXXX XXXX was no longer reporting on my Equifax report. However, XXXX XXXX is still showing on my Equifax report.