23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Tried ton purchase a car at local dealership and was told they could n't get any report from agencies, no number is being reported. I called XXXX and they said it is reporting. I have tried to get home equity loan and was told the same thing. XXXX says no reason for that so why ca n't anyone access a credit number. Experian had told me all my credit was old, which is true but what should that have to do with my credit history. XXXX has told me there are no negative items on my report. I have a charge account with XXXX which has been active since 2003 and Experian said it was n't reporting properly because my birth date needed to be updated? This account according to them is reporting as no status. It 's the only active account I have had for several years and it is not reporting properly. Experian says it 's XXXX 's fault but XXXX has told me that have updated to credit agencies. I ca n't get credit even though my credit has always been very ggod. THIS IS NOT FAIR. credit reporting agencies are prohibiting me from getting credit by not providing any credit history while at the same time saying they are. I do n't know where the disconnect is but it needs to be resolved I need your help
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XXXX regarding when my account would be reported late to the XXXX they told me if I didn't make my payment by XXXX of XXXX by XXXX it would report as XXXX XXXX late. 

However I check my credit it was already reported late on my credit I wasn't able to refinance my car due too XXXX XXXX incorrect information showing on my credit report which XXXX didn't adherence to FCRA by report inaccurate information to the XXXX THAT cause a decline for reporting negative information
Product: Credit card or prepaid card

XXXX XXXX XXXXCardmember services (see attachment)Above company received my dispute on or about X/X/2017 (XXXX).XXXX advised she would pursue the dispute and at the end of 90 days sent a letter (attached) indicating I requested "to cancel the dispute as you no longer dispute the transaction" which is absolutely false.Upon discussion with XXXX I learned her actions were grossly negligent and had no intention of pursuing  the dispute.XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report regarding XXXX and CREDCO/XXXX. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information.

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately.

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX and CREDCO/XXXX. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Denied XXXX times for apartment rentals for credit. I file XXXX XX/XX/2023. XXXX XXXX ( loan company appears XXXX times on my report when it's the same loan that I file in XXXX. This account should appear one time. I will like them remove from my XXXX account
Product: Credit reporting or other personal consumer reports

I recently discovered that XXXX XXXX XXXX accounts, listed as being opened in XXXX and XXXX, have been added to my credit report. I didnt open or authorize these accounts, and I believe theyre the result of identity theft. Both are listed as Collection/Charge-Off, which is inaccurate and causing harm to my financial reputation. 

I am requesting that these accounts be deleted from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers have the right to dispute and block information that results from identity theft. Additionally, under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation of disputes and remove unverifiable information.

I also request that you provide any documentation or evidence you used to verify these accounts, such as signed agreements or proof of ownership. If such evidence can not be provided, I respectfully demand that these accounts be removed entirely from my credit report, as outlined under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Cancelled wireless account XXXX with XXXX well within their early termination period. Account has since gone to collections. Have contacted XXXX as well as collection agency requesting a debt validation letter which both parties refuse to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX  {$250.00} 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 Never Later Please remove the Late Payment the Account is closed
Product: Checking or savings account

On XX/XX/2023, some fraudster XXXX ' withdrew {$800.00} from my checking account using my debit card. I have no idea how they got my debit card details and I have NEVER been a customer of this shady online gambling site. I don't know why XXXX is allowed to do transactions on stolen debit cards - shouldn't they have to request customer identification to ensure the customer is at least of age and are who they say they are? Moreover, USAA notified me- is this fraud? So I said - yes - what is this charge and who are these people? Nonetheless, they let the {$800.00} be deducted from my account causing a check I wrote to my 401K replacing a hardship loan that is time-sensitive to be bounced. I called USAA MULTIPLE TIMES begging them- please do not bounce this check- this is just because of this fraud - they said they wouldn't on several recorded calls and THEY JUST BOUNCED IT ANYWAY. I am so so so sick of the way they are now treating veterans and their families. I have been up all night super upset that they caused all this drama. Also, when they know this {$800.00} is fraud, why do they have to wait for it to post and then do an investigation before replacing the $ - had this fraud not happened, the check would not have bounced. Why can't they do a provisional credit right away or at least prevent any 'bounced checks ' while they resolve? They claim they have a zero-liability policy for fraud - well they caused me a serious problem. I don't know if I can get the funds now to honor the payback of the loan which will hit my 401K AND cause me a penalty - all because of this fraud that is not my fault. I am disgusted that this is how they do business. They let a computer just bounce checks when they know that money was fraudulently taken from my account- I had to spend all day on this fraud situation. Then, when I got notice the check was presented, I sent cash via XXXX from another account to cover the difference - yet USAA still bounced the check - even though I spent like 2 hours on the phone with various people who told me ON RECORDED LINES that USAA would honor the check. I also got no sleep and am now just sitting here crying because they are wrecking me financially by causing me to have a 401K tax penalty because I could not return the loan in time because USAA did this to me. I want an apology and I want this fixed. They say they have a 'zero liability ' policy for fraud - clearly, that is not the case. They have harmed me for fraud done to me because of their carelessness and lack of timely response.
Product: Credit card

In a letter dated XX/XX/2024, Regions Bank informed that they closed my credit card account ( XXXX ) due to inactivity. 
In that letter, they informed me, " You may redeem any earned rewards within 90 days of account closure. '' I called the numbers provided in the letter : XXXX and XXXX, five times and was transferred six times. 
They informed me that my reward balance is {$18.00} and because it fell short of the {$25.00} minimum for redemption, they needed to transfer me to a different department, and then to a supervisor, which never turned out to be any supervisor. After agreeing that I am owed that money and they would send me a check, they finally told me that they could not send me the redemption after all those calls and transfers. 
It should be noted that they never warned me that they would be closing my account and because the account was closed, there was no way for me to make the additional few dollars. 
And their notice of closure clearly states the redemption is for " any earned rewards, '' and no minimum requirement is mentioned.
Product: Debt collection

I had several small credit cards. Unfortunately in 2018 I got into a huge financial bind and had to decide which bills to keep paying on and which bills to let go. I chose to pay rent utilities etc. And had to stop paying on my credit cards. A lot of these companies sold my account to another company yet they plus the new purchaser still reports to the credit bureaus with both the original account and the Company that bought the account. I believe this is illegal as two accounts of the same account can not be reported twice yet they are.
Product: Credit reporting or other personal consumer reports

Experian allowed my online account to be fraudulently accessed through poor security practices. On XX/XX/XXXX, I was alerted that the email address associated with my account was changed. On XX/XX/XXXX, I realized that I couldn't access the account. Someone had been able to change the email address associated with the account by fooling Experian over the phone. I am trying to apply for credit, but Experian has informed me that it will take weeks to resolve this issue even though I supplied the required documents within two days.
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 Balance Owed : {$390.00}, XXXX XXXX Balance Owed : {$160.00}, XXXX XXXXXXXX Balance Owed XXXX {$340.00}
Product: Mortgage

In XX/XX/XXXX I purchased a property which has a mortgage that was sold to Fifth Third Bank. Since that date I have received numerous letters from Fifth Third Bank regarding an issue with securing flood insurance on the property listed above. 

In XX/XX/XXXX I purchased a flood policy on the home with the maximum coverages allowed by FEMA. After waiting the 30 day waiting period required by the insurance provider the policy went into effect XX/XX/XXXX. I have since added Fifth Third as a mortgagee on the policy ( not pictured on provided declarations page ) even though I believe this flood policy to be elective on my part. 

The flood policy is written for a property in flood zone X. However, Fifth Third apparently believes the home is located in flood zone AE and is  demanding I provide proof of flood insurance for a property in this flood zone. This is the crux of my issue. The home is not located in flood zone AE, but is correctly located in flood zone X. 

Since XX/XX/XXXX I have been contacting Fifth Third Bank about this issue using the email contact information provided on my statements. I have also called the numbers listed for the insurance service center department as well as direct numbers to Fifth Third Bank. Each time I have contacted I have provided a Letter Of Map Amendment ( LOMA ) that was provided to me at closing stating from FEMA the  home is located in flood zone X. After providing the LOMA, I have been told by both the insurance service center and Fifth Third directly, but verbally, that the issue has been resolved, yet I continue to receive written correspondence from Fifth Third stating otherwise.
Product: Debt collection

I am writing to formally dispute any and all debts allegedly owed to your agency. I do not acknowledge owing any balance and reject the validity of the debt. This letter serves as my formal dispute of the debt under the Fair Debt Collection Practices Act ( FDCPA ), as well as my request for debt validation.

Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am requesting that you provide proof of the debt, including the original purchase agreement or contract between your agency and the original creditor. Please also provide documentation showing that you are licensed and bonded to collect debts in my state, as required by law.

Additionally, I am invoking my rights under 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) to request that you cease all communication with me, effective immediately. Specifically, I am revoking your authorization to contact me via email, text messages, phone calls, or any other form of electronic or written communication. Please be aware that I am exercising my right to refuse communication, and any further attempts to contact me will be considered a violation of my consumer rights.

Furthermore, your agencys actions are in violation of the FDCPA, particularly the use of false, misleading, and deceptive means to collect the alleged debt. The information you have provided, or your methods of contacting me, may have misrepresented my obligations, constituting a clear violation of the FDCPA, specifically related to false representation or misleading statements.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

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

I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On XXXX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX  on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX  on XX/XX/XXXX 5-XXXX XXXX XXXX   on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX   on XX/XX/XXXX 8-XXXX XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX  on XX/XX/XXXX 10-XXXX XXXX XXXX XXXX on XX/XX/XXXX On EXPERIAN : 1-XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX on XX/XX/XXXX two times & XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX  on XX/XX/XXXX 9-XXXX XXXX/XXXX  on XX/XX/XXXX 10-XXXX/XXXX  on XX/XX/XXXX On XXXX : 1-XXXX/XXXX   XXXX XXXX  on XX/XX/XXXX 2-XXXX XXXX XXXX on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX/XXXX  on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX   XXXX/XXXX on XX/XX/XXXX 6-XXXX XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

PLEASE HELP!
Product: Payday loan, title loan, or personal loan

XXXX XXXX SSN XXXX I took out a loan with RiseCredit on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX My payments were automatically drafted from my bank account on the XX/XX/XXXX and last day of the month. In XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX, so they could negotiate lower payments and interest on my debts while I made one monthly payment. XXXX made an offer of {$200.00} per month for my account and on XX/XX/XXXX RiseCredit countered with an offer of XXXX per month for 12 months ( see attachment Rise Credit_Offer_Agreement_XXXX ), and on XX/XX/XXXX RiseCredit returned the accepted written proposal to XXXX XXXX XXXX ( see attachment Rise Credit_Accepted notice_XXXX XXXX ). 
My XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments have been made as agreed upon ( see attachments Rise Confirmation of XX/XX/XXXX Payment, Rise Confirmation of XX/XX/XXXX  Payment, and Rise Confirmation of XX/XX/XXXX Payment ).

On XX/XX/XXXX, I found that RiseCredit had begun reporting my payment as more than 30 days past due on my credit ( see attachment Credit Reporting ). This caused my previously rising score to drop significantly ( see attachment Credit Score Impact ). I contacted RiseCredit on  XX/XX/XXXX at XXXX XXXX ( XXXX ) believing there had been a misunderstanding. I spoke with someone in the special handling department, and I was advised that all of my payments are being made as agreed, but they report to the credit bureaus based on my original agreement and due dates from when I took out the loan. 
As a matter of law, a new contract supersedes a prior contract. RiseCredit has no right to report my payments based on a previous agreement that no longer has effect. I have never let my payments come late on this loan, and they should not be reporting them as such. I understand and agree that the account will ultimately be reported as settled, but I do not believe that an account is past due just because a company agreed to accept a different payment plan and dates. I would like this past due payment removed from my credit as it has made a drastic impact.
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

XXXX XXXXCharge off XXXX XXXXCharge off XXXX XXXX XXXXCharge off XXXX XXXX XXXX XXXXCharge off XXXX XXXXCharge off
Product: Checking or savings account

Chase bank said that even though I cancelled the card the company XXXX continues to get access to my money through a new card that I had not given access to. They said that since it was withdrawn automatically it would continue with the new access until I contacted XXXX to stop it. 
To me this means that my closed debit card is still being used and my bank account and money is being taken illegally with the help of a major banking institution system. It also makes me wonder how many other United States citizens are being stolen from automatically with the help of this banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2019, I was attempting to buy tickets to see XXXX XXXX perform at the XXXX XXXX that night. I found a listing on XXXX saying that a man was selling 2 tickets for {$250.00}. I texted back and forth with the man and ended up sending him the {$250.00} over Zelle. After that he told me that he would be sending me the tickets and then blocked my number and the tickets never arrived. I have spoken with representatives at XXXX 2 times and they have been either unwilling or unable to help me contact Zelle to figure out who the guy is that scammed me. I have also filed a police report. Zelle does not have an adequate customer service line or anywhere that I can find to report things such as this.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting or other personal consumer reports

Theres old phone numbers, addresses and work history. I have sent letters and disputes online. XXXX, Experian and XXXX