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

As a consumer protected under the Fair Credit Reporting Act ( FCRA ) as per 15 USC 1681, it is imperative to highlight certain violations that warrant immediate attention. The FCRA, in 15 USC 1681 section 602 ( a ), emphasizes the necessity for consumer reporting agencies like XXXX and XXXX to exercise their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. 

I, as the consumer, assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which stipulates the Congress 's policy for financial institutions, including ( Furnisher of information to credit agencies ), to uphold an affirmative and continuing obligation to respect customer privacy and protect the security of nonpublic personal information. 

Referring to 15 USC 1681 section 604 ( a ) ( 2 ), it is explicit that any consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the consumer. XXXX, XXXX, and ( Furnisher of information to credit agencies ) do not possess my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information, and all such consent is hereby revoked. 

In accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise a nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) has failed to provide an explanation of how I can exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from making any consumer report containing adverse items of information without explicit authorization. This account, reported as an adverse item without my permission, is in direct violation of this provision.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is mandated that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Regrettably, XXXX and XXXX are not upholding this requirement. 

Additionally, 15 U.S. Code 1681e necessitates that every consumer reporting agency maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. XXXX and XXXX are currently failing to adhere to these standards. 

In compliance with 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services. Furthermore, I insist that XXXX ACCOUNT NUMBER : XXXX, XXXX XXXX ACCOUNT NUMBER : XXXX, XXXX ACCOUNT NUMBER : XXXX, and XXXX ACCOUNT NUMBER : XXXX be promptly deleted from my credit report, as they are deemed fraudulent under 15 U.S. Code 1681c. I intend to pursue litigation seeking {$1000.00} per violation of the FCRA.

These concerns require immediate rectification and acknowledgment to prevent further legal actions.
Product: Credit reporting

I called transunion regarding inquires that were n't on my report in XX/XX/XXXX and XX/XX/XXXX, I checked my report iin XX/XX/XXXX and XX/XX/XXXX only to see things that were deleted then inserted and the years and dates had changed, I was n't given any type of information regarding the interments, I called to question them they stated there was nothing they could do being that the accounts of the inquires did n't state they were during the glitch yet they do know previously they didnt appear but because they are on there and documented they cant be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I been asking the companys to help me remove stuff I got my information stolen from me I would call to see whats going on and they would tell me not enough information on the account or the information I have doesnt Match or they sold my information to a 3rd party
Product: Student loan

XX/XX/XXXX payment is listed as in forbearance due to billing problems on MOHELA 's part. A call to MOHELA was made in XX/XX/XXXX regarding this issue and they assured me it would not affect my loan and would be remedied. I called them today, XX/XX/XXXX, as I noticed XX/XX/XXXX was still listed as in forbearance and will not count toward PSLF forgiveness. My payments are due to be forgiven in XX/XX/XXXX. They are refusing to correct it even though they acknowledge it is incorrectly listed. They refuse to give an estimate on correction. Employment status has not changed and they say they don't know if I was employed as a teacher for just XXXX. After XXXX hours on hold with MOHELA they were unwilling to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX bank/credit card inquiry XX/XX/2023. This needs to be deleted off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original loan was made in Oregon as a 2nd Mortgage. In XXXX the house went to short sale. The credit company Real Time Solutions apparently purchased the debt and is miss-reporting as making payments on the account thereby attempting to show it is not passed the statute of limitations. 


This account is well passed the statue of limitations and no payment have been made to this account since XXXX, but the credit agency is falsifying their report to appear that payments were made sooner. 


1 ) Real Time Solutions is not the original owner of the debt.

2 ) Real Estate Loan past the statue of limitations 3 ) Real Time Solutions is misreporting financial information based on payments that have been made to this account. None have since XXXX. 

I have disputed this through XXXX  but the credit agency again misreported the information. 

Report # : XXXX XXXX Mon - Fri : XXXX - XXXX CST Sat - Sun : XXXX - XXXX CST Reason and details Next Reason and details Next General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name REAL TIME RESOLUTIONS Account Number XXXX Account Type Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$28000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$83000.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$420.00} Original Balance {$63000.00} Highest Balance {$0.00} Terms 30 Years
Product: Credit card or prepaid card

This is the 3rd time someone has used my card with Capital One Bank. With the first experience everything went smoothly but the second, they have refused to help all I receive was a letter stating your claim has been denied. I said this is ridiculous but I dont have the money to hire an attorney so I said let me call them again. They then said they dont find any error and I should contact the merchant. I refuse to because I know when I used my card and every transaction I do I can account for ( that was in XX/XX/2021 ). Yesterday, Im home, I know I had to move most of my money out because of fear that itll happen again and my bank will refuse to give me my money back. I have an upcoming storage payment where I previously transferred some money and left {$110.00} in the account and {$200.00} in savings only to see that someone has gotten a hold of my card again and this time there are 3 charges of {$30.00}, contacted my bank and agin the excuses started to pour in. This is unacceptable and I was told that theyre not going to pay my storage charge of {$110.00} when it comes in for processing. This is unacceptable and again I was told to contact the merchant and I attempted to but the number provided does not accept incoming calls. Now what?? Im out of $ XXXX.
Product: Debt collection

I had XXXX  phone service years ago which I cancelled XXXX  kept billing me then charged me late fees on amonts I didnt owe them. This company tried to collect the dept i didnt owe. then put the amount on my credit report {$87.00}. I had this false information removed from my credit report in the year XXXX. In XX/XX/XXXX ENHANCED RECOVERY CO opened a new account for the same amount without ever contacting me and in XX/XX/XXXX put it on my credit report again. 
ENHANCED RECOVERY CO is commiting fraud and a violation of the law. 

Company : ENHANCED RECOVERY CO L Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$87.00}
Product: Money transfer, virtual currency, or money service

Declation of International human Rights Violation I have letter from   XXXX   XXXX   senior vice president, Address to my old address. Like, I stated in my first complaint that American Express discriminated me because of my nationality and American Express knew I had money in the Bank. I had business from  XXXX ,  XXXX ,  XXXX  as   XXXX   XXXX  . and now I received my latest information for my credit.
1.  XXXX - XXXX  FAIR 2.  XXXX   XXXX -GOOD 3.  XXXX   XXXX  VERY GOOD When  XXXX  and  XXXX  made a major mistake intentionally. for put the wrong four digit number on my social security including my wife. both this companies above had copies of my social security. I also send them the discovered of violation of the loan agreement with the   XXXX   XXXX   XXXX  .
 XXXX 
I am requesting the CFPB the Director for emergency legal assistance to assist me to transfer my money in to the   XXXX   XXXX   XXXX   account. this is involved wrong doing with in t he Financial Entity an d American Express, including the   XXXX   Credit agency to covered up the illegal activity within their own office. I never reach  XXXX  score before and I now discovered, I had very good score, according to the score I had with  XXXX . I fax few hours ago to have the Director of CFPB to help in this matter urgently please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I wish to bring to your attention the violations committed by the following accounts, which have infringed upon my federally protected consumer rights to privacy and confidentiality as stated in 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681, Section 602 A, I maintain the right to privacy, which has been compromised in this situation. Furthermore, according to Section 604 A, Section 2 of the same statute, a consumer reporting agency is prohibited from furnishing any account without my explicit written instructions.

Additionally, in accordance with 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is explicitly stated that no consumer reporting agency is permitted to include certain types of information in a consumer report. This includes any adverse item of information, except for records of crime convictions that occurred more than seven years prior to the report. 

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish inaccurate information relating to a consumer to any consumer reporting agency, provided they are aware of the inaccuracy or have reasonable cause to believe so. 

I trust that you will address these violations promptly and take appropriate actions to rectify the situation. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian closed another complaint with another absurd explanation that has nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - XX/XX/2018 - XX/XX/2018 and XX/XX/2018, Capital one has made inquiry 's on my credit thats wasn't authorized by me and it's affecting my credit and making financial losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX  : {$63000.00} ; XXXX XXXX XXXX XXXX : {$370000.00} ; XXXXXXXX XXXX XXXX XXXX  : - ; XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield has inaccuracies in the acct balance owed and the dates that the account was reported as well as the dates the account was last active. one credit report has the balance listed as {$1000.00} and the other two has it listed as {$1000.00} I can't owe two different amounts. It's reported as being opened on XX/XX/2020 and XX/XX/2020 which isn't possible. The debt was sold to Hunter Harfield and I no longer owe it.

15 us.code 1681e ( b ) Accuracy of report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Vehicle loan or lease

I used Carvanas auto loan calculator which said I would receive a rate of 10 % for a car loan. Once I went through the process and submitted documents the rate went up to 18.69 %. Nearly double that of the advertised rate I was given. I purchased a vehicle through them previously and had to refinance because they had done the same thing then. I offered to put nearly 25 % of the price of the vehicle as down payment and they only wanted to lower the rate to 17 %! This is shameful and needs to stop.
Product: Credit reporting or other personal consumer reports

Credit acceptance Highest balance XXXX XXXX Account number This account was opened fraudulently and according to 15c U.S. code & 1681 c-2 must be removed in four days according to the fair credit reporting act.
Product: Credit reporting

This is what I have written to Equifax and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections 1681 and 609 as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to Equifax : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :
Product: Credit reporting or other personal consumer reports

This is my 3rd request for written documentation showing my signature on a XXXX form that gives my written premission to obtain these accounts. The credit agency did not follow through with the provided information, instead they sent a letter saying the account was verified as accuarate but failed to say what method was used to verify these accounts as accuarate. Which now the credit agency has violate the terms and law of 15 US code 1681 which is accurancy and fairness. The information provided by mail from Credit reporting agency does not show ACCURACY or FAIRNESS investigation and is a direct violation which therefore must be deleted within 4 days or I will be forced to file civil and hold the credit reporting agency in violation of my consumer rights. Please remove the following accounts as I had stated before, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, please follow and don't continue to violate my right as a consumer and remove the accounts as states in 15 us code 1681c-2
Product: Credit reporting or other personal consumer reports

I recently noticed 2 accounts on my credit report that are reporting innaccurately. They need to be removed immediately. These items also were never verified with me so they should have never been furnished to my consumer report.
Product: Checking or savings account

On XX/XX/2023 my Capital One card was used at several stores in the XXXX, Louisiana area coming to a total of {$2400.00}. This total includes charges from XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX, etc. Capital One instructed me to dispute the transactions as they posted so that total was reported in 4 different claims. One of the claims was originally disputed ( later reversed ) however I was told to wait 10 business days for the decision on the 3 other disputes. After calling Capital One several times within the 10 days, an employee informed me that the rest of the claims were declined. I have proof that I was at work while these transactions were made and did not approve them. Capital One claims that the transactions match a pattern however I have never spent {$1000.00} at one XXXX in separate transactions ( that I contacted XXXX and found out were gift card purchases which is a common scheme in XXXX XXXX ). I am truly appalled that my first and only bank would not even bother investigating transactions that I did not make. Its absurd and needs to be investigated.
Product: Debt collection

I was formally a long term and loyal customer of Wells Fargo Bank XXXX. I had both personal and XXXX checking and XXXX account. 
I have had issues with customer support online and on phone. They would leave me on hold for hours, and transfer me to the wrong department etc. They declined my ppp loan even though I was qualified, and when another local bank approved me, I systematically closed every account. Ensuring they were all in good standing and I owed nothing. I recorded them stating as much via phone calls with them. Because I wanted to be done with them, and have no further dealings. 

Several months later I get a letter saying they were mistaken that I did in fact owe on a business credit card. But I have the letter saying my security deposit for my secured card was returned due to me not owing a balance. 

Even the letter clearly states that they made a mistake. I do not owe them. I proof that I close that account without a balance, and I will not pay, for their mistake.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting correctly. I had seven late payments on an account that I know in fact was in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.This account has not been on late on payments.I 've attached a copy of my report for this complaint on the following date ( XXXX, XXXX, 2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt attention.
Product: Credit reporting or other personal consumer reports

I attempted to log in to my Equifax account and was sent an old email address that is no longer on my account with the company. Because I do not have access to the old email address, I was unable to log into my account. When I called the company after numerous attempts to reset my password, I was told I needed to send in additional documents. I tried to explain they have an older email that they sent to me in the last couple of days. When prior they were using my new email ( XXXX ) and I get information from the company into that email address. 
I was on the phone and trying to sign into the account but unable to. It is my belief, due to the older email I have been blocked from my credit report and I need the file unfrozen so I can try to refinance my mortgage for home improvement and pay off some debts. I spoke with several people but still couldn't reset the password and gain access to my credit report. I tried to reset the password on the company website but was unable to gain access. A week ago I didn't have this problem.