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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 that states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, I am the consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 that states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Discover Bank, XXXX and XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 in section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, Discover Bank and XXXX and the Consumer reporting agencies XXXX, XXXX, and XXXX did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) clearly states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover Bank, XXXX and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A also states " 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. And 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Thank you.
Product: Debt collection

Financial credit network claims to be collecting on behalf of XXXX XXXX XXXX which I never had business with. My numerous attempts to resolve the matter with them went ignored. I requested debt validation in accordance with FCRA rules and regulations and they failed to proof validity or ownership of this debt. However they are still reporting this on my credit report which is damaging my credit rating to an extend. I request they DELETE this collection from my report and STOP their harassing collection efforts once and for all!
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not obtain my free annual -- nor weekly -- credit report online because TransUnion was unable to sufficiently match the identifying information I provided with the information it has on file. Therefore, on XX/XX/XXXX I mailed my written request along with identity documentation to TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX. On XX/XX/XXXX I received a response from TransUnion requesting additional documentation. On XX/XX/XXXX I mailed the documentation requested by TransUnion and included the file number from their letter. However, I have yet to receive my credit report or any other response from TransUnion in violation of my rights as secured by section 612 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX But i moved to XXXX in XXXX. In XXXX my car was reposessed. The car was towed and i was told i would be notified of the auction of the car and how much i would ow. I never got a call or anything by mail about my car. Federal Financial Service stated that i needed to get in touch with the towing company in XXXX. I did and they said they will send me the information about where my car was auctioned off. They never did and XXXX  reached out several times with no response. I filed a police report in XXXX for stolen car because the financial service nor the tow company told me they knew where the car was or who bought it. The tow company said they sent the financial company certified letters about where to get car before it was auctioned but financial service say they never got it. This is fraud. The car dealership was closed down due to some criminal activity and the financial company closed in my city. I have made them aware for yrs that i habe not had the car yet they continue reporting the full amount on my credit of XXXX withoit knowing where the car is or who has it i asked them to change the status from charge off to settle or just delete. They refuse to do anything. This is a huge hinderance to me as i am a single parent of XXXX kids. After this step I will sue the finance company because they have not provided any proof i should still owe this car.
Product: Credit reporting or other personal consumer reports

I purchased a new home in XXXX  and moved from XXXX. Unfortunately, plans did not go as planned and I was behind right away. I kept close communication with my lending company letting them know when I would be making my payments. A representative I spoke to assured me, my credit would not be affected as long as I made my payment when scheduled. A couple of times, the second half of my payment was past the XXXX  days but it was confirmed by a representative that there would be no credit reporting as long as I paid it as scheduled. I have been hit with a payment on my credit report which has brought my XXXX XXXX by about XXXX pts. The mortgage company said they did an investigation and found no calls of any of their representatives telling me such information. I find it hard to believe they thoroughly went through those calls because if they did, they would have heard when the representative told me my credit would not be affected. I have worked really hard to make sure my credit does not go down due to late payments. I have 100 % payment history on my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my epic impact stimulus check was deposited into my cash app account in the amount of {$600.00}. On XX/XX/XXXX someone withdrew the {$600.00}. From my cash app at XXXX XXXX  took the whole amount had a MasterCard downloaded on the account that I suppose they put the money on so they could withdraw it from a teller it was not my card also they have used a XXXX card on the account and made several small transactions .Now weeks before this I noticed some suspicious activity on my smart phone someone had gotten access into my phone and was trying to get into my XXXX XXXX account which is my XXXX so I shut down my cards all of them ordered new ones and contacted XXXX XXXX , cash app, XXXX XXXX XXXX, and XXXX  XXXX  , after I done that I knew my stimulus money was going to be deposited into my cash app account so I tried getting back into my cash app account so that I could be sure it didn't get stolen and I had bought a new phone with a new number because whoever done this had complete control over my phone now I traded in my old phone for a new one I had no access to the old phone whatsoever therefore when I tried to get into my cash app they wouldn't let me in because they couldn't verify it was me I explained my situation to them in detail and that I needed into that account before someone else got my money through an email because cash app has no direct customer service phone only email this went in for several days and after my money was stolen they finally let me have access to my account but it was too late the money was gone. They couldn't let me the owner of the account have access but they let some thief in my account to steal my money that is not right I needed that money I'm on a fixed income that money was important to me and now they sent me an email saying they were closing my case and nothing has been resolved.
Product: Mortgage

I was speaking with Quicken Loans about requirements for a Mortgage Loan, and did not authorize a credit inquiry. However, my credit report was ran without my approval. I consider this fraud and identity theft. I then called back to ask why they did that, and was told by XXXX XXXX of Quicken Loans that they had 'permissible purpose ' if they had my social security number and date of birth. I told them that if anyone had my info they still needed my approval to do anything with it,. I would like to report this agency as willfully misusing my identity and would like to press criminal charges and file a civil lawsuit against Quicken Loans.
Product: Prepaid card

I received an American Express gift card for {$200.00} from a friend. The card had trouble activating and always shows an unknown error when checking the balance, and it is always declined. Ive contacted support several times, each time telling me to wait XXXX  days after they request some information. Ive given them all necessary documents on XX/XX/XXXX, heard a reply asking for the same information on XX/XX/XXXX, and recently contacted support telling me to wait 30 days again. It doesnt seem like they want to address the issue and they are just stealing the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these inadequacies for several months : Inquiries on my XXXX credit report, XXXX XXXX and XXXX XXXX and Experian inquiries are XXXX XXXX, XXXX XXXX, l first called XXXX and Experian XX/XX/XXXX XXXX, l talked to someone in the fraud department, about my credit being inquired without my knowledge, they did nothing to help, then on XX/XX/XXXX, l disputed online to both XXXX and Experian XXXX nothing happened, on XX/XX/XXXX l mailed my dispute to both XXXX and Experian again without any action being doneXXXX l mailed my disputes again to both XXXX and Experian, still no help,
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Balance : {$470.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$530.00} Account Name : XXXX Account Number : XXXX Balance : {$460.00} This is a formal complaint against XXXX, Experian, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

There aretwo accounts, in particular which they just refuse to investigate XXXXXXXX XXXX andXXXX XXXX, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

I am trying to get pre-approved for credit, and it has been a challenge given that it has already been months since I have disputed this with the bureaus and I'm on my third round of letters yet they are not taking proper action to get these accounts validated and removed from my report.
Product: Debt or credit management

I contacted Wells Fargo in XX/XX/XXXX to file for hardship and lock transactions on an account with a large balance and high-interest feethe hardship plan fixed interest to 1 % and fee and set payment amounts per month. Wells Fargo agreed and locked the version with the payments set at one amount ( XXXX XXXX XXXX XXXX ) All payments were made promptly and on time. XX/XX/XXXX Wells Fargo let the hardship plan expire, and the payments went to XXXX XXXX XXXX {$310.00} ( 10 % ) without notice, effectively doubling the monthly payment plan to {$680.00}. XX/XX/XXXX I Called WF to speak with a representative XXXXXXXX XXXX XXXXXXXX and was told that the plans expired and I was on a short-term plan. The agent stated there is a " long-term plan '' as well that I was not made aware of. I asked for any documentation showing the difference between the two plans and XXXXXXXX XXXX XXXXXXXX on a recorded line, stated there is no documentation only that there is a phone call where the agent would decide to place you on a short-term or long-term plan. I enquired how to be put on the long-term plan, and XXXXXXXX XXXX XXXXXXXX stated I would have to wait 12 months to file for hardship again. The balance of the account would then with the new interest rate be ballooned back up to XXXX amounts. This is anti-consumer behavior. Wells Fargo will not produce any documentation on a recorded line stating there is no documentation, and it's up to an agent to decide which plan to place you in. If Wells Fargo can choose unilaterally to which plan to put you on without notifying the consumer this is anti-consumer behavior and they can reinstate the plan. Again I have made all payments on time while on this plan 100 % in full and on time. 


I filed a previous CFPB complaint ( XXXX XXXX ) with this company when asking for any documentation they " We respectfully decline your request to provide documentation showing the differences between the short-term and long-term plans or place you on the short-term or long-term plan. " Never was I provided any documentation that there needs to be a 12 month period between plans or that there were two plans to be placed on.

Furthermore when asking Wells Fargo for the documentation they " decline '' to provide any. If this is not anti-consumer then I don't know what is.
Product: Debt collection

Law Offices of MBA has put a collection on my credit report from XXXX XXXX XXXX XXXX in XXXX of XXXX. I went to the emergency room in XXXX and my bill was paid in full with my insurance. I never received a single bill after I paid. I am in the XXXX  and have good insurance ( XXXX  ). There is no reason I should have a {$2300.00} collection when the hospital was in network, had my insurance, and I already paid the bill. I never even got anything in the mail regarding this collection, it just popped up on my credit report. I am unable to get anyone on the phone from either of these companies. If you look at XXXX reviews law office of mba, it is littered with people with the same complaints as myself. They are doing this to a lot of people.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX Acct : XXXX {$1700.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Address Inaccurate )
Product: Credit reporting or other personal consumer reports

My account 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.

This company 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 card

I am an elder XXXX XXXX  who was XXXX  and financially exploited by an online group of XXXX  scammers from the XXXX. I had an excellent credit score ( over 850 ), a very high credit limit on my TD Bank , N.A . Target credit card and had never been late on my payments. At the time I was scammed, I had a XXXX balance on the card, but In the space of just a few days as I was being scammed, the card was maxed out with over XXXX USD in charges. I was under strong coercion by the scammers who were contacting me constantly. This resulted in a number of charges during XXXX XXXX XXXX, and the large purchase. At no time did the card issuer or their fraud department contact me or freeze my card, or try to warn me about what was going on. XXXX XXXX XXXX and credit card company insiders, both informed me, that card issuers often notice a big change in spending habits as a possible sign of fraud. But TD Bank NA took no action to help me while I was being scammed, abused, and exploited. As typical for most XXXX  scam victims, at that time, I did not realize I was being scammed as it was quite early in the long con process. A warning from TD Bank may have been of great help. Later, I did wake up, but now, I am being sued by the collector and TD Bank N.A.. who have shown no compassion so far, for what has happened to me. In cases of ID Theft or if someone stole your card or number it is one thing, but apparently when you've been scammed or extorted it is another. It is an embarrassing thing to admit or to recognize when you have been scammed and very difficult to catch early on. Please do not do anything for anybody unless you have met them in person or you know for very sure it is a real relationship. If you have met in person and met their family is a good sign, but IF there is a huge age difference and they come from a third world country with poverty, please be on special alert. Don't fall for the crocodile tears or the many sad stories! Be wary of people from any dating, social media apps, or chat apps or websites who befriend you, and start XXXX  you.
Product: Debt collection

RE : CEASE AND DESIST LETTER Dear CKS Prime Investments I am writing to formally demand that you cease and desist from sending communications regarding the account above. This account is not mine, and I am not in a contract with CKS Prime Investments. 

This activity, which has been occurring since XX/XX/2024 or earlier, violates

15 USC 1692g and 15 USC 169c ( c ). Your actions have caused me considerable distress and inconvenience, and I must insist that they stop immediately. You are hereby instructed to refrain from all correspondence. Failure to comply with this demand will leave me no choice but to take further legal action, which may include seeking
monetary damages and injunctive relief.

Please consider this letter a final warning. I hope we can resolve this matter amicably and without the need for legal intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 50 fraudulent inquiries in 3 days I have disputed over 5 times and credit report still aiding fraud against me by not removing fraudulent inquiries off my credit report. 
Also, I used a new credit card and in 1 day it was reported maximum use before I could even pay before due date which was over 20 days I had to pay. all other credit reporting has corrected the fraudulent inquiries but " XXXX. '' " TransUnion '' put maximum use of new credit card use 1 day after use but has not corrected card is paid in full. Due day has not come or is it legal to accept report 1 day after use.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX XXXX {$0.00} XXXX OF XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$760.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX {$750.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate inquiry information on XXXX credit report. 
XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX