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

Unauthorized transactions XX/XX/2021 {$1000.00} Merchant XXXX XXXX XXXX XX/XX/2021 {$580.00} Merchant XXXX XXXX XXXX Tried to dispute on credit card website and electronically completed dispute form will not submit. XXXX XXXX XXXX  Tried to call credit card company. Message for dispute department says is closed. 
XXXX
Product: Debt collection

I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXhas 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  : Account number XXXX XXXX XXXX : Account XXXX Immediate Removal of Late Payments from Credit Report The banking system relies heavily on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, while unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the system. Consumer reporting agencies play a vital role in gathering and evaluating consumer credit and other information. It is imperative to ensure that these agencies exercise their responsibilities with fairness, impartiality, and respect for consumers rights to privacy. 15 U.S. Code 1666b - Timing of Payments A creditor may not classify a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I have the right to privacy. This is further supported by the Privacy Act of 1974, as outlined in 5 U.S. Code 552 regarding public information and agency rules, opinions, orders, records, and proceedings.
Product: Credit reporting or other personal consumer reports

I am filing a complaint agains tTransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : 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 purchased the vehicle from XXXX XXXX on XXXX XXXX 2017. I was financed by Westlake financial, the same day as purchase, as the sole lien holder of the vehicle. I paid bothXX/XX/XXXX and XXXX 's payments on XXXX2017 to the lien holder of Westlake financial accruing to the total of {$450.00}. On XXXX/XXXX/2017 at approx. XXXX XXXX My vehicle was repossessed by the seller, being XXXX XXXX, who was not the lien holder at that time, or currently, yet they are telling me that the finance company is forcing them to buy back the car. But when I spoke directly to the finance company they told me they would not do that for one late payment, especially when it had been paid. When the dealership has been paid and is only the seller and has no legal claim to the vehicle in the state of Florida as the only party that can order a repossession is the lein holder.
Product: Credit reporting or other personal consumer reports

Im beyond frustrated with the state of my report. Every time I try to move forward, these repeated mistakes drag me back. My score is suffering, and Im losing out on opportunities because of errors that are completely out of my control. Its infuriating to know that Im being held back by something that should be so simple to fix.
Product: Payday loan, title loan, or personal loan

I took a loan out with this company Speedy Cash for XXXX around XX/XX/2018. The company. This company was allowed to take deductions every third of the month. In XX/XX/2018 I enrolled in to XXXX XXXX XXXX in order to pay my bills Each company submitted how much I owed at that time. This debt company has been working to settle all of my debt. I recently applied for a credit card and was denied due to this company sending this account to collections. I have made 3 payments of XXXX and after enrolling in this program this company took and additional XXXX from my bank account. I had to close this checking account of 15 years to prevent this company from taking more money out of my account Speedy cash was aware that I was in this program and Im still in this program nowThey have been reporting a higher amount owed of XXXX on my XXXX Credit Report. I didnt get credit for any of my payments made to them. This amount is not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. XXXX XXXX XXXX has applied this account onto my credit report on Equifax and XXXX. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX have all 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Because of the illegal reporting of these accounts I am unable to purchase a home for myself and my daughter.
Product: Checking or savings account

Marcus denied a transfer of {$500.00} into an XXXX account, upon asking where the funds are they removed an additional {$500.00} from my XXXX account. I did not authorize them to withdraw that money from my account, this equates to banking fraud. 

At this point they have stolen {$1000.00} from my accounts and will not provide any additional information as to where the money is or how I can get it back.
Product: Credit card

LUSTIG, Glaser & Wilson P.C FAILED to comply with the Massachusetts Consumer Protection Act. 
Creditor is in violation of 209 CMR 18:18 ( 1 ), ( 2 ), ( 3 ) Creditor is in violation of 940 CMR 7:07 ( 4 ), ( 8 ), ( 9 ) AND ( 15 ) Creditor is in violation of 940 CMR 7.08 ( 1 ), ( 2 ) If the debtor, or any attorney for the debtor, notifies the creditor in writing within the 30-day period described in 940 CMR 7.08 ( 1 ), that the debt, or any portion thereof, is disputed, the creditor shall cease collection of the debt, or any disputed portion thereof, until the creditor verifies the debt and provides the debtor, or any attorney of the debtor, by first class mail, the following materials : ( a ) All documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected ; ( b ) A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; ( c ) The name and address of the original creditor, if different from the collecting creditor ; and (
Product: Debt collection

Collection account. {$1000.00} past due as XXXX XXXX this company does not have my permission to collect.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was notified via email, texts, and phone calls that there were possible fraudulent purchases made on three ( 3 ) of my major credit cards. Of the three credit cards, XXXX, now Barclays, was the only one that rejected my complaint that the purchase, were not mine. The purchase on the Barclays card was for {$1500.00} at the store, XXXX, in XXXX NY. 
When I first received the notifications that purchases were made on my cards I believed that my cards were still in my possession. Unknown to me, at that time, my cards were stolen out of my vehicle. I confirmed to all credit cards that the purchases were not mine. Barclays initially made a refund, but then rejected my claim because that the physical card was used at the store, and stated that they have place the amount back to my card. I later spoke to a representative who told me that I had to make a police report. That is when I did and faxed in a copy to them. 
I also made a fraud alert report to all three credit reporting agencies. Barclays has continue to report my account as delinquent, with interest and late fees added each month. As a results, my credit score has  dropped from XXXX in XX/XX/XXXX to XXXX and dropping because of Barclays report.
Product: Debt collection

AFFIRM ACCT : XXXX Amount : {$120.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX
Product: Credit card

I applied for Barclays XXXXXXXX XXXX on a airplane ride back home a couple months ago, and as soon as I received my card in the mail, I called Barclays and the representative that I spoke to basically told me that I had up to a year to pay the annual fee fast forward to today. I looked at my XXXX because I got an alert and it stated that I had XXXXXXXX XXXX removed off my credit score so I right away called Barclays asked to speak to a manager and basically explain the situation and what I was told by the representative and she basically told me that her employee that I asked if they trained and she said yes, gave miss leading miss information that everybody isnt perfect and people make mistakes and I said as a consumer thats not OK because If im am getting trained by a company, Im not able to say what I want to. There will be consequences for that action I said so as a consumer, how can you help me because your employee told me something and now I got XXXX XXXX removed off of my credit score and she said maam we can retrain that employee that theres nothing that ai can do for You and I stated to her that I would be reporting her company because its not OK as a consumer I want to know how I can close down this card because I do not want to do business with a company who gives out Misinformation or treat a consumer like this Ive never been late on a payment. Ive never made a payment late in my life. Nothing negative has ever gotten reported to XXXX Please help me get my XXXX XXXX back put on my account with XXXX XXXX and Help me CLOSE down this SCAMMING COMPANY AND card with Barclays. I have a full recording of her whole entire conversation. She was very rude to me. Ive never been treated like this, especially from a credit card company. I could see if I Owe thousands and thousands thousand dollars on this account but I dont owe anything Ive never purchase and no transactions were made on this account. Please help me. Everybody that I meet I will tell all about my experience with frontier, Barclays XXXX XXXX, and how they treated me.
Product: Checking or savings account

I am tired of Capital One keep charging me {$35.00} each in overdraft fees for money that has already been taken in consideration in my account balance. {$35.00} for each one and then when they try to " explain '' how the system works they want us to stomach that like it's from the XXXX XXXX which is nothing but banking jibberish for this is the way we make money off of you. If I make a purchase days before my account is overdrawn, why is it ok and acceptable for a bank to think they should make money off of us because they want to hold the money up in a " pending '' status when it was already taken from the balance? Right now I have {$100.00} worth of overdraft fees for a {$14.00}, {$16.00} and {$5.00} transactions. {$35.00} a piece for those AFTER they already took those transactions away from my available balance. That is pure insanity and disgusting during this day and age when people are struggling!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

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

I requested a 1099 as the company charged off the account and has been compensated for the debt that still remains on my credit report. Also the company has the same item listed as a charge off for multiple months and it had only been charged off once.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on XXXX  Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file by the credit reporting agencies XXXX, XXXX, and Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time. 
Nature of the Complaint Inaccurate Reporting : The late payments for XXXX, XXXX, and XX/XX/year> on Equifax and for XXXX, XXXX, and XX/XX/year> on XXXX and XXXX are inaccurate. 
My records clearly show that I was enrolled in autopay, ensuring timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments violates my rights under 15 USC 1666 ( b ) as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The false reporting of these late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account status. 
Truth in Lending Act ( TILA ) : These reporting practices are in violation of the TILA, which requires accurate reporting of credit obligations.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandate that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of consumer files. Articles 15 USC 1681n and 15 USC 1681o further outline civil liability for willful and negligent noncompliance with these provisions. 
Summary of Account Details and Errors The XXXX  account shows consistent discrepancies across all three credit bureaus. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as 30, 60, and 90 days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as 30, 60, and 90 days late. 
Equifax : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as 30, 60, and 90 days late. 
These errors directly contradict my payment history and enrollment in autopay. 
Requested Resolution I request that the inaccurate late payments be removed from my credit report with XXXX, XXXX, and Equifax. These entries do not reflect my true payment history, as my account was enrolled in autopay. I expect a thorough investigation and the correction of these errors within 30 days of receiving this complaint, as required by law. 
Please confirm in writing the removal of these entries. Failure to resolve this issue may lead to further action to protect my rights under the FCRA, FDCPA, and TILA. 
Attachments Copy of my Government-Issued ID Copy of my Social Security Card Proof of Current Address Copy of my Credit Report showing the disputed errors Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially placed a freeze on my Equifax report online using their web site. I went back to temporarily unfreeze it and this time they had the process moved and it now required a login to the web site. I went through the process to login, reset my password, etc. and kept getting an error after attempting to login telling me to call a number ( XXXX ). 
After 2 and a half hours on hold and transfers to several different people, I finally reached the department that deals with the logins. They verified my information with lots of questions about SSN, birthdate, loans, etc. They then told me that I was unable to login to my account because they couldn't verify some information I had entered during the account set up process. I asked what the issue was and they refused to tell me. I offered to provide the information or verify anything they needed, and they refused to do so. They said that they would never, NEVER, let me log in to my account online. When I asked to speak to a supervisor, I was told that they would not allow me to speak to a supervisor for this issue. When I asked to speak to a supervisor about the customer service, I was again refused. They said that I would have to make any account changes by phone XXXX hours long waits ) or fax until the end of time, they would never stop refusing to fix the issue. 

In summary, I was able to freeze my credit online. But I was blocked from unfreezing it online. I was told I would never, ever be allowed to use my online equifax account. I was refused any explanation or to speak to someone who could help. They are holding my credit account hostage by not allowing me to unfreeze it using the same method I used to freeze it. 

The individual I spoke with was : XXXX ID : XXXX of the Fraud Dispute and Online Department
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Accounts below have 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 - XXXX XXXXXXXX Account # XXXX ; XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX XXXXXX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX XXXXXXXX XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX  Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXXXXXX Account XXXX XXXX ; XX/XX/XXXX {$360.00} 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
Product: Debt collection

I was contacted by the law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX regarding a debt owed to State Farm Bank for a credit card account from XXXX. The attorney I was in contact with used threatening tactics claiming I 'd be sued in XXXX for the account if I did n't immediately get on a payment plan to resolve the debt. After several emails back and forth and my mother offering to assist me pay the debt, we agreed on a settlement for the amount of XXXX and the debt would be considered settled and paid in full. I was told I could only communicate with this firm and not State Farm Bank but the payment would need to be addressed to State Farm Bank directly and not the firm since the law firm only represents their client but they do not have the debt directly in their offices. 

The debt was paid and settled in full per my agreement and any lawsuit pending against me dropped. I received a paid in full receipt from the law firm and the debt was considered resolved. In XXXX, I was notified by my credit monitoring services that the account was reported as paid and resolved and no longer negatively impacted my XXXX XXXX and reports. 

As of XXXX XXXX, XXXX, the account was reported with a zero balance. As of today, XXXX XXXX, XXXX, the account was reported as XXXX in the amount of XXXX. This is the same account that was originally collected on and paid/settled in full. I contacted State Farm Bank and they told me the account was resolved with no balance and they informed me they 'd send out proof for the account being resolved, however ; I received XXXX different credit alerts today and my score has changed due to a new account from State Farm Bank being reported as late, charged off and delinquent.