23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied and received an auto loan through Td Bank/Td Auto Finance LLC on XXXX XXXX 2019. The purchasing dealer was XXXX in XXXX florida. I maintained/maintain a perfect payment history, never late, and always fully insured. On XX/XX/XXXX, 5 days after accepting another on time payment, Td auto finance deciding to charge off account and report to my credit to all 3 bureaus. No correspondence by email or letters, no calls no nothing. I only found out because I monitor my credit so closely. So I immediately contacted the loan dept, and they cant answer any of my questions, they transfer to me to their collection dept, where they are completely rude and refuse to correct any of the info. They claim they sent out 1 letter in XXXX by XXXX, but cant supply the tracking number.Now they have sent a letter demanding me give them Authorization to contact the Social security administration, but they word the letter as if its my request.the letter goes as follows- " We're committed to keeping you informed and responding to your banking needs. Today, we're writing to send you a Social Security Administration Form. Please complete this form and return it to TD Auto Finance LLC ATTN : operational Fraud management XXXX XXXX XXXX. XXXX XXXX, MI XXXX. Please respond to this request within the next 10 business days, or we will close YOUR request ''. I Never requested anything. The Letter is coming from a XXXX XXXX from a completely different address which is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. My credit is being negatively affected by an account that still is accepting payments on time, and had no legitimate reason to charge off an account in perfect standing. I was never notified of any issue, nor was i notified before the company reported to my credit as per the fair credit reporting act. The company is now reporting as a delinquent account. It hasn't been late or delinquent till this day. By Law i am not obligated to authorize anyone or any entity to access the SSA on my behalf. Even if i were too, the company has already charged off my account as a bad debt. XXXX even says " charge-off/Never LATE ''. XXXX XXXX at Td auto Finance refused to be recorded when I asked if i could. she disconnected the phone call. they would not speak to me any longer in fear that i would record the conversation. When i stated i will not record she said i do not believe you and hung up. After this conversation they then reported it as a delinquent account the very next day and then proceeded to send a fair credit reporting act letter stating that they must disclose that they will be reporting to my credit before doing so.I received this letter 17 days after they had already charged off account and reported to my credit. I Need Help.This can not be legal.
Product: Credit card or prepaid card

To Whom It May Concern, On XX/XX/2022, I booked a flight from XXXX to XXXX XXXX on XXXX. I confirmed the flight had free cancellation within 24 hours. According to XXXX policy, I reached out to the airline directly within the 24 hour period to cancel my flight, however I was unable to get in touch with anyone from the airline on either their website or by phone. So I reached out to XXXX customer service line and they 1 ) confirmed the flight was cancellable within 24 hours for free 2 ) finally reached an agent from the airline, but the agent said they could not help. I tried to call the airline again using a different phone number XXXX gave me, but was unable to reach anyone.

After the 24 hour period elapsed, I reached out again to both the airline and XXXX, but they have not been able to assist. XXXX is telling me I have to speak to the airline directly, while the airline is saying they can not find my flight record. 

I have attached the relevant documentation with notes in the following pages. Do not hesitate to reach out at XXXX if you have any questions. Thank you very much for your help. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out regarding an ongoing issue with inaccurate information on my credit report that remains unresolved. Despite multiple disputes requesting correction or removal, the same inaccurate information persists, with no updates made to reflect accuracy. 

This lack of action disregards the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681i, which mandates the need for 100 % accuracy in credit reporting. I am providing further documentation to support this dispute and request that you reinvestigate immediately, ensuring this information is either corrected or removed from my report. Additionally, please provide documentation showing that the account has been verified and updated accurately, as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I do not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 XX/XX/year> to XX/XX/year> 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. 


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

This account was charged off and still being reported to my credit in violation of FDCPA
Product: Debt collection

I received a couple of phone calls over the course of 3 days. I called the number XXXX that contacted me for the second time today XX/XX/2020. I got a rude unprofessional agent by the name of XXXX, Agent ID:XXXX. I advised that I was only 4 days past due and all of the excessive phone calls aren't needed and that it was a form of harassment. I then proceeded to let the agent know that I wouldn't be able to make my payment until next Thursday XX/XX/2020 and that she could set up an arrangement. The agent asked me for my debit card number and I informed that I didn't want to set up any automatic payments and that I would call my payment in as I've done several of times. This agent said rudely " well I am not setting up your payment arrangement and you will continue to receive calls ''. I then stated again that it's considered a form of harassment and in which her company could be sued for. I advised to cease and desist all calls and the agent stated again that she's not setting up my payment arrangement without a card on file. I asked for a supervisor and the agent ignored me, she either disconnected the call or muted the call and didn't reply back to me. I hung up and called spoke with another agent by the name of XXXX, she provided me with the previous agent name and agent id. I then spoke with a supervisor by the name of XXXX about the situation at hand, and so far have resolved the issue. She stated that they will pull call and review.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company has not responded to any of my disputes. i have waited more than 45 days and have yet to receive anything!
Product: Credit reporting or other personal consumer reports

There is a fraudulent account on my consumer report that I am highly displeased with. As I was trying to get a home for my family I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of an XXXX breach, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health. Now I do not have access to get a house. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. I recently reviewed my credit file and discovered the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose and my explicit consent before initiating a hard inquiry on my credit report. I have never applied for credit or authorized these entities to perform a hard pull on my file. These inquiries are negatively impacting my credit score and may cause further harm if not addressed promptly. 

I have already attempted to resolve this matter directly with the credit bureaus and the creditors involved, but I have not received a satisfactory resolution. As this is a clear violation of my consumer rights under the FCRA, I am requesting the CFPB 's immediate intervention to ensure these unauthorized inquiries are removed from my credit report. 

I request that the CFPB investigate this matter and take appropriate action against the companies responsible for the unauthorized inquiries. 

I appreciate your prompt attention to this issue and look forward to your response. Please confirm receipt of my complaint and provide updates on any actions taken.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have unauthorized fraudulent inquires on my report i called and mailed disputed and have no results fraudulent inquires still remain on report Name Requested On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX
Product: Debt collection

they have been calling me at least XXXX times a day. They were deliberately disguising their business name as " XXXX '', which is a wireless phone company, in order to try and dupe me into picking up. I only found out today cause I picked up thinking it was basic talk trying to sell me something, only to be told it was midland funding , LLC calling about my debt. This is extremely underhanded and I would like this company to know that if they keep calling me several times a day and continue to mask their name I will take them to court for harassment and underhanded tactics. thank you
Product: Credit card

I have had numerous attempts of someone trying to open up credit card under my name. It's happened many times now.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a dispute to all three credit bureaus to regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person
Product: Debt collection

I just received an alert that Credence Resource Management Collections has been added to my consumer reports. This is defaming my character, as well as causing emotional and physical stress, anxiety and restlessness, therefore causing me to have XXXX XXXX XXXX among other health issues, and causing harm to my credit worthiness.
Product: Credit reporting or other personal consumer reports

I tried to request the 3 credit bureau reports from annualcreditreport.com. I do not remember receiving any for the year 2024.
Product: Checking or savings account

On XX/XX/XXXX, I was charged with the second overdraft fee I would receive within the past two weeks. This fee, however, is unjustified and I am willing to escalate this as far as it will go, before ceasing my business with this banking entity, Bank of America I have spoken with a representative who informed me that because of a supposed charge into the negative on my account of around {$3.00}, I was charged yet another {$35.00} which he could not reverse. The issue is that at no point did my balance enter the negative, I had deposited the appropriate amount before withdrawal. I have screenshots of this. Aside from this, the company which I used to withdraw the funds from my BOFA account will NOT allow a withdrawal if it would put the funding account into a negative balance. I have proof of this as well In a matter of weeks, Bank of America is supposed to drop or severely reduce the exorbitant amount that they charge for pennies into the negative, and in some cases, not even negative at all. I want only for the fee to be reversed, and I will speak with whoever I can to either resolve this issue in that manner, or to resign my business from their institution with contempt As a 'valued ' customer since XXXX, who has had very few issues with overdraft fees prior to this incident, I wish to solve this as respectfully and swiftly as possible, but this is far beyond unacceptable, and if the lawsuits that are being brought against BOFA hold any water, I'd say I'm not alone
Product: Credit reporting, credit repair services, or other personal consumer reports

Utilized my free credit report with TransUnion, however they ended up billing my Credit Card for a monthly service ( {$24.00} ) I have no intention of using and did not sign up for. 

I have no account with them to sign in with and cancel the services myself.
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 trafficking. 

Account Name : XXXX XXXX # XXXX -Balance {$1800.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Balance {$15000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$520.00} XXXX Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Balance {$560.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$980.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$770.00} -Date Opened XX/XX/XXXX Unauthorized Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Three balance transfers were requested onXXXX. One balance transfer to my XXXX XXXX credit card, and two balance transfers to my XXXX. The XXXX XXXX balance transfer was wired and posted within 5 days. XXXX claimed they could not wire transfer funds to XXXX and sent paper checks instead. ( amounts : {$5900.00}, and {$5600.00} ) The checks were cashed, BUT THE FUNDS WERE NEVER DEPOSITED INTO MY XXXX ACCOUNT. 

I did get copies of the cancelled checks and brought them to my XXXX branch on XX/XX/year>. XXXX had NO RECORD of having received them and XXXX now claims they will try to " get the money back '' within 90 days but that there's no guarantee and I might be " on the hook '' for the money it they can't. The only way XXXX has of communicating if through one phone number. 
According to XXXX the dispute call identifier number is XXXX phone number I've been communicating with them is XXXX
Product: Student loan

In XXXX of XXXX I realized the payment amount per month for my IDR payment plan was too much, so I requested an extended graduated payment plan on XX/XX/XXXX on Mohela 's website. My account never updated as payments started back up in XXXX of XXXX. I have attempted twice more to request the extended graduated payment plan on XX/XX/XXXX and XX/XX/XXXX. 

I messaged Mohela on XX/XX/XXXX asking for my payment plan to be updated so that I could make my payments. Their reply on XX/XX/XXXX was " We apologize for any inconvenience this may have caused. Your account reflects that your loans are actively on the Income Contingent Repayment ( XXXX ) plan with monthly installments of {$600.00}. '' On XX/XX/XXXX I messaged again, since I had not received a reply from my first message at that time clarifying that " I have tried to change my payment plan to extended graduated for a payment of {$370.00} per month, but my account has not updated. Please put my loans on hold until that is able to be updated. Thank you ''. On XX/XX/XXXX they replied : " As of this writing, our records indicate that your account is currently 48 days delinquent with a past due amount of {$850.00}. Next payment is XX/XX/XXXX the amount is {$1400.00}. When an account is delinquent, phone calls and/or letters will continue until the account is current. '' In neither of their replies did they address the concern I was bringing to their attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having trouble with my bank and the credit card that was issued to me. At first I managed it pretty well but when I went through hardship I had to use it more then Id liked too so my balance was high. But even before then since I could remember my APR is at 24. I never was late on my monthly until Last month because I felt like just giving up. Ive tried to plead for them to work with me but am declined every time. Also I have a checkings account where theyre killing me with fees. All together Ive paid at least XXXX in fees. Their app doesnt show transactions until days later and the balance is not accurate. Please help
Product: Debt collection

Paid company off, with an settled amount and i need this debt removed from my credit report. The less collections on my report the bigger my buying power.