23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I became a Chase Sapphire Reserve Card Member in XX/XX/XXXX. One of the benefits of the card is Priority Pass, which allows cardholders access to airport lounges across the world. To be able to use that benefit Chase requires the cardholder to sign up for priority pass and receive a priority pass card in the mail for use. I originally signed up in XX/XX/XXXX for priority pass. The card did not come in the mail. I called Chase two to three times in XXXX inquiring about getting a priority pass card. Each time they said they would submit the request and get it mailed to me. The card never came. During my last phone call I was told if I did not have my priority pass card, to charge the priority pass lounge fee onto my credit card and Chase on re-reimburse me. I dropped it at that point even though I still had not received the priority pass card. On XX/XX/XXXX I attempted to use a Priority Pass Lounge in XXXX and that lounge only lets people in with the Priority Pass card however would not accept payment for entry. In order to use the benefit of the card, I then called Chase to get my priority pass account number ( the lounge would have accepted that ) and they were unable to provide it. I then asked to speak with a manager. Once connected with a manager they told me they were also unable to get my number, and that Priority Pass is Chase 's vendor so Chase had no control over the benefit and problems with getting me access to the card and/or number. Even though it was Chase 's vendor, I was surprised because the manager took zero responsibility for Chase and blamed the issues with receiving the benefit on Priority Pass. The Manager did say they would put in another request to send out the priority pass card. With all that being said it feels like this benefit that I purchased with the credit card was deceptive/a bait and switch. Chase made it impossible for me to use the benefit I am paying for with the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I tried to unfreeze my credit report on both the XXXX and Equifax websites. I went through many, many hoops. For XXXX I even had my unfreeze pin, but after they verified all of my information, they told me to write a letter. Equifax insisted I receive a call back, when I received the call, a recorded message said I should try another day and hung up. I think they want you to buy another service and not use the freeze/unfreeze feature. I thought it was mandatory for these companies to make it easy for users to freeze and unfreeze your credit file. I was totally successful with XXXX. 

Without unfreezing your account, you can not complete other financial transactions like applying for a new credit card or getting a mortgage. They have you over a barrel.
Product: Credit reporting or other personal consumer reports

EQUIFAX CREDIT BUREAU IS REFUSING TO REMOVE THE FRAUD ALERT PLACED THERE BY THEM AFTER XXXX XXXX OF ME ASKING THEM TO REMOVE THE ALERT,
Product: Mortgage

My XXXX Mortgage is an interest only loan that has adjusted out to {$3000.00} a month this mortgage is with XXXX XXXX Mortgage, Bank of America is the XXXX Mortgage. I owe more on my property than the market valve I need to get my payment on a fixed rate. I do want to keep my home
Product: Debt collection

I recived a phone call from Collection Consulting from XXXX XXXX California. They Have not given me a written notice of rights or the debt to be collected. Also they had my debit card on file and used it as payment without permission or notice.
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not XXXX  % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$210.00}
Product: Bank account or service

Someone requested a replacement card from my bank then stole it from my mailbox activated the card creating a pin and then used it till I discovered it. The bank did. It refund my money stating that even though card was activated from a different phone number they used my personal data like ss # and birthday.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws.

1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., Capital One, Santander, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information.

2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms.

3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation.

Actual damages for the harm caused to my credit standing.

Punitive damages for willful violations of the FCRA.

Recovery of legal fees and costs associated with disputing these inquiries.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the ( living, sentient, breathing, natural man ), submitted a dispute to Experian for inaccurate information being furnished to my consumer report. said corporation is required to maintain " maximum accuracy '' as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). EXPERIAN failed to maintain compliance standards and to maintain reasonable procedures ensuring all information is at " Maximum Accuracy ''. Furthermore, Experian engaged in unfair acts and practices by using their ineffective system and flawed process to report information without first verifying said information. Which is their obligation to exercise their grave responsibilities with fairness, impartiality and respect the consumer 's right to privacy as mandated by the FCRA 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ). In a recent lawsuit brought against Experian by the CFPB ( Case 8:25-cv-00024 ), highlights some of the above mentioned violations and more from Experian. Experian failure to conduct proper investigation and to maintain maximum accuracy has undermine my interest in the banking system and has caused me tremendous stress. I have made several attempts to contact Experian to resolve this issue, but its agents are on a recorded line stating that " The FCRA does not apply to them, they are following their company 's policy ''. This is a false, misleading and deceptive act of practice. Which is a violation 15 U.S.C 1611. Experian has failed to included relevant information in its disputes from consumer to furnisher and fails to fulfill its reasonable obligations. 

Additionally, Experian frequently receives furnisher responses that contain data that is either illogical or facially and internally inconsistent, but it still accepts the furnishers response without further reinvestigation into the dispute. This is a violation of its obligation to conduct itself in a manner that is fair, equitable and to respect the consumers right to privacy as obligated under 15. U.S.C 1681 ( a ) ( 4 ). It was also mentioned in the lawsuit by the CFPB that Experian unilaterally alters information in the XXXX form to make it appear logical and consistent. Experian does not take steps to make sure the information is complete and accurate. 

A dispute about a hard inquiry may assert that the creditor or entity lacked a permissible purpose for accessing the consumer report and therefore the inquiry should not be reflected on the consumer report. For example, the FCRA requires Experian to maintain reasonable procedures to assure maximum possible accuracy of the credit information it reports, and to prevent reinsertion of previously deleted information. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), 1681e ( b ).

I DEMAND IMMEDIATE DELETION OF ALL THE DISPUTE INACCURATE INFORMATION. as Experian has failed to conduct proper investigation and to follow reasonable procedures as it is obligated to do so by the FCRA 15 U.S.C. 1681e ( b ) SEE ATTACHED DOCUMENT. SEE ATTACHED DOCUMENT.
Product: Money transfer, virtual currency, or money service

`Y'all send the cash-out deposit to the wrong account. It was for {$34.00}. I need to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report with another individuals name and All my personal information was sent out without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was bought back by the manufacturer. The account was paid in full. I have a letter from Bank of America saying its paid in full. It is still showing on my credit report as open and Bank of America will not remove it from my credit report. They keep declining my dispute for a paid off and closed loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file and noticed some inquiries from merchants who I have not applied for credit from. I have an open dispute with trans union so they wont allow me to dispute the inquires attached. Please help me with this matter
Product: Checking or savings account

Me and my husband have a joint account in Capital one bank for several years. I have always logged on on the bank site. My husband never created his login. 
On XX/XX/XXXX XXXX, when I logged on, I noticed that {$20000.00} had been transferred to a bank account in Washington state, from our account on XX/XX/22. We had never initiated this transaction, neither did any of us have any account in this bank in Washington state. 

We called the bank on XX/XX/XXXX about it. 
Someone was able to create a new login my husbands name, with new address, telephone and link / transfer funds to a bank in Washington state without any alarm bells going off in the Capital One bank security department. 
We were never notified about it by the bank about it by email, or via phone. 


Since then we have been calling the bank repeatedly about it. 
We were initially told that this fraudulent transaction will be resolved in 1 week but we have not received our money yet.
Product: Credit reporting or other personal consumer reports

My Capital One credit card balance was reported prematurely either by Capital One, or by the CRAs doing self-reporting. The banks have no valid reason to prematurely report credit card balances out of their normal [ once a month ] cycle. Therefore, I am very suspicious of the involvement of the CRAs. 
This complaint is to give Capital One an opportunity to respond appropriately to the matter with any evidence it can provide to clear itself, as I do not believe it was responsible. If it was they will need to deal with my attorney amicably in the matter. 

On the other hand, if the diligent investigation of my attorny finds any of the CRAs utilized their position to retrieve an out-of-cycle balance and then self-report it, there will be severe legal consequences and regulatory provisions. 

I currently do not know who acted to afrfect my balance out of cycle - my score has dropped at all 3 CRAs as a result. This is unacceptable, as I have a habit of paying my balances down to XXXX or near XXXX, prior to them being reported. 
I urge the CFPB to work with me to ferrit out the culprit, as either Capital One or XXXX is being dishonest in the matter. I hope it is not Capital One, as I only recently started a relationship with them that I was tending to grow. 

I am asking the CFPB, when you read this to identify any patterns of banks or CRAs prematurely reporting balances out of cycle, - as a new consumer advocate I plan to agressuvely pursue such behavior, given the impact it can have on a consumer for their score to be impacted unexpectedly. Today consumers are taking advantage of the credit game, acting swiftly to acquire XXXX percfent interest credit and unique offers while they last. Consumer like me do not have the time or inclination to constantly battle with the CRAs as to how they report information. I currently have numerous dispuets open at all 3 CRAs, as I'm acting very rpoactively and ensuring they follw governing law, complying with it, and more expediently instead of utilizing the 60-day window to respond when it suits them. The clock is ticking.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/2024 Letter to remove inaccurate Credit Information To whom it may concern : I see this account has a charge off report on the following item. 
Navy Federal Credit Card # ( XXXX ) This account is reported as A charge off and I have Never received a 1099c cancellation of debt form. Due that this account is inaccurate and needs to be removed. 
Also According to a to LAW 15 U.S. Codes 1681s2 ( a ) ( 1 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This account should be removed now this Account is reported ASAP. 
Once finished
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX  XXXX. XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$80.00} 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I lost my phone and wallet which contained all of my banking cards and information in them, they were then used fraudulently including my pin number. All of these debited and ACH withdrawals and purchases were fraudulent without my knowledge or consent.
Product: Debt collection

3rd party Debt collector is trying to collect wrong amounts on a credit account That I supposedly had. This debt possible could even be past the statue of limitations if I owned this account.
Product: Credit reporting

XXXX has a closed account on my credit report that I have would like removed
Product: Debt collection

In XXXX I received a debt collection response letter for my complaint about the verification of the account. The debt collection response letter has multiple incorrect debt violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to escalate a credit report dispute that I have been unable to resolve with XXXX, Experian, and XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have previously submitted disputes to XXXX, Experian, and XXXX regarding inaccuracies in my credit report, as allowed under the FCRA. 

I initially submitted my disputes on XX/XX/2023, XX/XX/2023, and XX/XX/2023, by certified mail with a return receipt requested. Despite the 30-day requirement for investigation, I have not received a satisfactory resolution to the disputes within the prescribed timeframe. 

The inaccuracies in my credit report pertain to the following : XXXX XXXX XXXX XXXX I noticed you are reporting multiple 30-day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 

XXXX XXXX # XXXX You have previously verified this account as accurate. However, the past due amount is not reporting accurately and must be removed from my report. 

XXXX XXXX XXXXXXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 

XXXX # XXXX The date of the last payment is not reported consistently and/or accurately. Please remove this from my report. 

XXXX XXXX XXXX XXXXXXXX This account can not have a credit limit as there is no agreement between the collection agency and myself. Please remove this inaccurate information. 

XXXX XXXX XXXXXXXX This account can not have a credit limit as there is no agreement between the collection agency and myself. Please remove this inaccurate information. 

I believe that the failure to correct these inaccuracies is in direct violation of the FCRA, which stipulates that credit bureaus must promptly correct or delete any information that is found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ). Additionally, the FCRA requires that a consumer reporting agency conduct a reasonable reinvestigation to determine the accuracy of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

I have enclosed copies of the original dispute letter ( s ), supporting documents, and correspondence with XXXX, Experian, and XXXX for your reference. I am providing this information to demonstrate my good faith effort to resolve these inaccuracies. 

I kindly request that you conduct a thorough review of my dispute and compel XXXX, Experian, and XXXX to correct the inaccuracies as mandated by the FCRA. I also request that any information that can not be verified as accurate be removed from my credit report, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I appreciate your prompt attention to this matter and your assistance in ensuring that my credit report accurately reflects my financial history, as required by the FCRA.

Thank you for your assistance.
Product: Debt collection

I recently checked my credit report and saw a collection from XXXX  by NCA original creditor : XXXXXXXX XXXX XXXX XXXX in the amount of {$740.00} ; this is not my debt and this can be nothing more than Identity Theft/Fraud.
Product: Checking or savings account

On XX/XX/2024, I received a letter from loandepot in XXXX, PA regarding data security incident involving my sensitive personal information. I have no knowledge of this company called loandepot opening any accounts in my name. I was shocked to have received this letter and feel personally violated by this action. I am a victim of identity theft and have frozen XXXX, XXXX and XXXX years ago. I would like to find out what is going on and what accounts have been opened in my name. I would sincerely appreciate anything that your agency can do in helping me to remedy this situation. 

Thanks in advance, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports