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

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, XXXX XXXX XXXX Definitions : Rules of Construction ( XXXX ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. utilization is an experience created by credit usage. XXXX Equifax and XXXX is reporting Utilization which is an experience created by credit usage. XXXX XXXX XXXX ( a ) ( XXXX ) states any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Equifax XXXX and XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to XXXX XXXX XXXX XXXX Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, Privacy Act of 1974. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of utilization are accurate and my privacy has been violated due to Equifax XXXX and XXXX violated my consumer rights by allowing utilization to report to my consumer report! See attachments below!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Experian, a credit monitoring service. I signed up for a free trial in XX/XX/2021, but was charged {$24.00} per month without my consent. I received free credit monitoring as part of an Experian data breach settlement but this was not applied. As of today, I contacted Experian customer service to request a refund, but they refused to do so. Stating their terms and conditions. I never used the services in fact they had an inaccurate email address the entire time- Ive never received any email either. 

I believe that Experian 's actions are in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Bureau 's regulations. I have attached copies of my communication with Experian, including emails and receipts, to support my claim. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian.p Thank you for your attention to this matter. Please let me know if you require any further information. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX  Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX FCU - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX  Unauthorized inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC XXXX 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 XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company named XXXX  keeps putting on my credit report that I owe them money for card I have never had
Product: Credit card

I reached out to Capital One 's Fraud customer service today ( XXXX XXXX ), and I was told that my account was closed due to " observed activity on your account that is not consistent with our expectations of usage for personal, family or household purposes ''. When I asked for more details, I learned that it was because Capital One was unable to verify my income. 

However, the first time that Capital One requested my 3 most consecutive banking statements, I informed them that my newest bank account ( which I opened in XXXX cause I started my first out-of-college job in XXXX ) was only two months old. This is the account that my direct deposit is linked to. However, the representative that I spoke with on the phone ( XXXX XXXX ) told me that it had to be three consecutive bank statements so I should use another bank account ( despite my other bank account not showing the direct deposit ). As such, I listened to her advice and submitted the other bank statements ( not my recently opened account with the direct deposit ). 

Then, I called today ( XX/XX/XXXX ) to follow up, and I learned that my account was closed due to failed income verification. I explained this situation to the representative, and they said that they couldn't take any more documents cause my account is permanently closed. I'm frustrated because the previous customer service person told me that I would have the chance to submit the new bank statement if the old ones didn't pass verification. Additionally, it's ridiculous that my account was closed without even giving me the chance to prove my income successfully ( new bank statements, offer letter from employer, etc. ). 

Additionally, Capital One won't refund my {$390.00} annual card fee cause I " breached their terms and agreements ''. However, this is ridiculous since they didn't even try to take further steps to verify my income. Since my account was only opened for 4 weeks, Capital One is absolutely scamming my annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a loan through XXXX XXXX XX/XX/XXXX for {$36000.00}. When I initially got the loan, there was a glitch in the system during my first payment month. I was assured the payment was received and I owed nothing until my second payment rolled around. Then, I was informed the payment did not go through and I would need to pay. So they worked out a deal, which ended up hurting me in the long run. They basically tacked the late payment to the end of my loan but on paper it looked as if I was always paying a month behind. I was laid off XXXX while having this loan in XXXX and XXXX for a total of XXXX months. I called and tried to make arrangements with XXXX but the month behind quickly became a problem for me. All the delinquencies on my account are from that timeframe where I was out of work.I wrote the companies XXXX. I was forwarded to XXXX XXXX. She was still not able to get the delinquencies updated although my loan is paid in full. This loan is still negatively impacting my score and I have tried everything to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Checking or savings account

I Received a Loan from the SBA & it was placed into my account at First Horzion Bank in XXXX North Carolina in 2020 the loan was for XXXX I withdrew XXXX for necessities about XXXX hours later after I withdrew the funds my funds was in the negative amount of XXXX I called the bank & spoke with a clerk & the individual explained to me it was a issue with the system & to call back I never got a chance to give them a call back & revive a update due to handling other business ventures. The results of this issue was my account being closed & me owing the first horizon XXXX I was completely oblivious of the action made I called the bank back yesterday & tried to get the XXXX reversed & placed back into my account or receive a check with that amount to place in my new account with XXXX XXXX I was informed by First Horizon bank that they will give me a call on the next business day for a follow up action.
Product: Mortgage

Our monthly mortgage payment increased due to a shortage in the escrow account. To keep our monthly mortgage payment the same as before there was an escrow shortage, we had inquired as to the amount to be paid ( additional escrow amount ) to maintain the same monthly payment ; the service representative undertook some research and gave us a figure which we were assured, that when paid, the monthly mortgage amount due would be the same as it was before the escrow shortage. The shortage was paid in full whilst talking with the service representative. Due to the timing of the payment ( XX/XX/2016 ), the XXXX payment would be a higher amount with the XXXX payment reverting back to the same amount prior to the escrow shortage. Unfortunately, the XXXX mortgage amount due is {$210.00} higher than the amount prior to the escrow shortage. I contacted BBVA Compass and discussed this at length with them and was told that the monthly payment could not be lowered any further even if I made an additional escrow payment to cover any shortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 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 an account without my written instruction.
Product: Vehicle loan or lease

Chrysler Capital initially reported this loan as a repossession although the loan was paid off in full by my car insurance. I disputed this and finally got them to remove the repossession since I was able to prove that insurance classified the vehicle as a total loss and paid the debt in full. Only to have Chrysler Capital update my credit report to show " late payments '' which is incorrect information. The creditor themselves are not able to provide concrete dates for these alleged late payments. Some show 30 days late while others state 60 days late. Additionally the dates ( months ) in which the late payments allegedly occurred are inconsistent across the 3 credit bureaus and overall incorrect.
Product: Money transfer, virtual currency, or money service

I was a victim of scam by someone named XXXX XXXX with a company named XXXX. On XX/XX/year> she told me on XXXX that she was an agent investor and that if I invested {$200.00}, I would receive {$4100.00}. I sent the money through CashApp which was linked to my debit card. I created a CashApp account this day to send and receive the money. I was then told there was an issue and that I needed to send an additional {$150.00} and that the price I would receive would be {$6700.00}. In total I sent {$350.00} to this person and was then demanded to send another {$1100.00} which I did not do. I paid twice for services I never received. After figuring out that it was scam, I didnt know if they could somehow get the information to my debit card through my account, so I deleted the CashApp account. I contacted XXXX XXXX  on XX/XX/year> about this and a claim was opened and the transaction was reversed on that day, and that reversal was reversed again on XX/XX/year> because the charges were technically authorized and because they can not do anything regarding CashApp. I was then told to contact CashApp directly because they would be able to help, which I did twice today on XX/XX/year>. The first advocate that I spoke to told me that the CashApp account I had used for those transactions was not verified so she could not find it, but to create a new account today, have it verified, and contact CashApp again so they could investigate this situation. I did so, and the second time I contacted CashApp after creating this new account, the advocate told me that because the charges were authorized there is nothing they can do and also because the account was closed. I was told to directly contact the merchant who scammed me. XXXX XXXX  and myself have contacted the merchant and they have refused to refund me the money. I understand that the charges were authorized, but I never received any of the services I was promised, and I dont understand why no one can understand the situation I am currently in. I lost {$350.00} to scam, and of course the merchant will refuse to provide a refund or deny scamming me. Please help me. Thank you for your time.
Product: Credit card or prepaid card

Lack of real estate secured loan information Balances on bankcards are too high compared with credit limits Too many inquiries Synchrony Bank told me to reapply due to a supposed computer glitch. Then when I apply again they said my balances with them are too high already which are all XXXX balances. They said I have too many inquiries through them. They are also denying me because I paid cash for my house. 

ID XXXX Manager
Product: Credit card or prepaid card

To whom it XXXX concern, In XXXX of 2021 I received news from Credit Karma that I had a new credit card in the name of XXXX XXXX XXXX XXXX from XXXX XXXX Bank USA. I knew at once I was a victim of identity theft because I do not have a XXXX in my name and I never applied for a Credit Card from XXXX XXXX Bank USA. I contact my local law enforcement and filed a police report with XXXX Police Department in that year as well summited a report to the XXXX XXXX XXXX. I then contact XXXX XXXXXXXX XXXX USA and informed them that this card was fraudulently open and I was a victim of identity theft. 

I was able to get all statements from XXXX XXXXXXXX XXXX USA and found out that the application was made online, the application statements were written in Spanish and many purchases were made at local XXXX in the XXXX area XXXX The credit card was sent to my old current address in XXXX where I used to live in the years of XXXX. The card was opened in the year of 2021 and I was not living in XXXX at that time the card was opened. I was never in physical possession of the card and never received any statements until I knew I was a victim. I went to the XXXX were XXXX of these purchased were made to try to get surveillance tapes. I was told by the manager to contact the police for them to try to get the records for me. The Police filed a report yet still never received any news if this matter was looked into. The XXXX XXXX informed me, We dont have the man power to look into this at this time. 

I have also contacted all Credit Bureau of this identify theft and my name is still showing up as XXXX XXXX XXXX XXXX. They have failed to do their jobs at protecting my identify of this matter when documents were sent to them on this matter. 

Last year I was served from XXXX XXXX XXXX XXXX in XXXX, WA sent me a letter telling me that they were taking me to court if I did not pay off the charge of the card. I went to court to submit my letter to the courts as well as sent my letter to them. I have still not heard from XXXX XXXX XXXX about if they are still taking me to court. 

So here I am waiting for someone to do their jobs
Product: Debt collection

As of XX/XX/2022 per cfpb director XXXX XXXX a law was passed to have medical files under {$500.00} to be deleted. I have contacted all of the credit bureaus in regards to my 4 accounts that I have on my file that qualify to be removed under the new law. I was advised by each bureau that they would put the accounts in dispute and nothing has happened and we have make no progress, thus prompting me to file this complaint. The accounts I am attempting to get removed are as follows : XXXX XXXX XXXX, ACCT # XXXX {$480.00} XXXX XXXX XXXX, ACCT # XXXX {$250.00} XXXX XXXX XXXX, ACCT # XXXX {$180.00} XXXX, ACCT # XXXX {$79.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for Equifax to block and remove these fraudulent accounts immediately from my credit report. I have attached a copy of my police report as well as recent correspondence where Equifax removed these fraudulent accounts. Equifax is violating my rights and I will be suing your company. 


XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX BANK Account # : XXXX
Product: Debt collection

Commenity capital bank has repeatedly contacted my work and family members who are not involved and talked about private information with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against the credit bureaus under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), 15 U.S. Code 1681e ( b ), and 15 U.S. Code 1681i ( 5 ). I have discovered multiple inconsistencies and inaccurate information in my credit reports, which are in violation of my rights as a consumer. 

Under the FCRA, I am entitled to receive a credit report that is 100 % accurate and reflects a true and fair representation of my credit history. However, upon reviewing my credit reports from all three credit bureaus ( XXXX, Experian, and XXXX ), I have identified several inconsistencies and errors that raise serious concerns about the accuracy of the information being reported. 

Specifically, I have identified the following misleading and false accounts : 1. XXXX - XXXX : This account has been reported by all three credit bureaus, and it contains inaccurate and misleading information. I have contacted the debt collector associated with this account and requested proof of the alleged debt, specifically the alleged original application bearing my signature. Despite my repeated requests, the debt collector has failed to provide any such proof, which indicates that they are reporting misleading information. 

2. XXXX - XXXX : Similarly, this account has also been reported by all three credit bureaus, and it contains inaccurate and false information. As with the previous account, I have contacted the debt collector and requested proof of the alleged debt, including the alleged original application bearing my signature. Again, the debt collector has failed to provide any such proof, suggesting that they are reporting false information. 

These inconsistencies and failures to provide requested documentation violate both the FCRA and the FDCPA. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Furthermore, 15 U.S. Code 1681i ( 5 ) requires the credit bureaus to conduct a reasonable reinvestigation upon receiving a consumer dispute. In this case, the credit bureaus have failed to fulfill their obligations under these laws by reporting inaccurate and false accounts without conducting thorough investigations.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against the credit bureaus for their violations of the FCRA, FDCPA, TILA, 15 U.S. Code 1681e ( b ), and 15 U.S. Code 1681i ( 5 ). I also request that the credit bureaus rectify the inaccuracies and false accounts in my credit reports, ensuring that my credit history is accurately reflected.

I appreciate your attention to this matter and trust that you will conduct a thorough investigation to protect my rights as a consumer. Please provide me with any updates or actions taken regarding this complaint.

Thank you for your assistance. 

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

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

with FTC