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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer s right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX 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. '' World Finance Company is a financial institution by definition under that title. 15 USC 1681 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. '' World Finance Company the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, World Finance Company whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " 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. World Finance Company never informed me of my right to exercise my nondisclosure option. Not only that 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 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. 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 and XXXX are not maintaining reasonable procedures. Also 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent all the proper paperwork on XX/XX/XXXX to the credit bureau to have the fraud accounts remove from my credit profile.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Capital One and discussed the situation with XXXX XXXX not opening on time and a Capital One representative and they said to cancel my trip and they credited my card for {$5300.00}. Subsequently, they recharged my card 4 times during the dispute process. On XX/XX/XXXX my card was rebilled for {$5300.00}. I never would have canceled my trip had Capital One not assured me that I would receive a full refund. 

Capital One has lied to me. I will personally pay a visit to XXXX XXXX and get this settled one way or another.
Product: Debt collection

I received notice on about XX/XX/XXXX about a debt owed to XXXX XXXX. Notice was from Transworld Systems Inc dated XX/XX/XXXX. I called Transworld Systems Inc on XX/XX/XXXX to request validation of debt. I was informed that XXXX XXXX will send and I was also told collection will be placed on hold. I called Transworld Systems Inc again on XX/XX/XXXX at XXXX asking to remove my debt and name from debt collection due to not receiving any validation of debt. Representative from Transworld Systems Inc stated they will accept my dispute and will forward the debt back to XXXX XXXX. Representative also stated there will not be any further communication from Transworld Systems Inc. However, after after 6 months since I was told from Transworld Systems Inc that the communication will be stopped, I still received communication mail from Transworld Systems Inc on XX/XX/XXXX with letter dating XX/XX/XXXX. Letter showed balance still due to creditor, where half of the data is missing from final settlement. Nothing certified showed any balance due. Settlement sheet has missing information and is not acceptable evidence showing balance. I do not accept the evidence presented. After request and acceptance of no further communication from XX/XX/XXXX I feel I am being harassed by Transworld Systems Inc and XXXX XXXX. I would like Transworld Systems Inc and XXXX to cease and desist all further communications.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX has destroyed my credit and my reputation by reporting this false info please provide proof the payment was late and please provide a detailed account statement.
Product: Credit reporting or other personal consumer reports

I was in the process of buying a home and i noticed that on my credit report is an account that I do not recognize i have also sent in disputes to XXXX XXXX stating that this account is unfamiliar and I no Knowledge of the account. According to 15 U.S.C 1681. It is illegal to report any damaging remarks on one 's consumer report impairing 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.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in removal of the erroneous information which is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report and see inaccurate information such as addresses, DOB, Jobs which I never worked.
Product: Debt collection

After viewing the credit report, Enhance Recovery furnished a collection on the credit report which is related to an unfamiliar account. Made several attempts to resolve this matter, however ; no feed-back.
Product: Credit reporting or other personal consumer reports

I AM DEMANDING TRANSUNION TO UPDATE THE FOLLOWING ACCOUNTS AS " PAID AS AGREED NEVER LATE, AND TO DELETE ALL LATE PAYMENTS ON MY REPORT. 

A Written dispute was sent XX/XX/XXXX return sender, and certified mail # XXXXCompany responded with generic response please see attachment. 

A Written dispute was sent XX/XX/XXXX return sender, and certified mail # XXXX. Company responded with generic response please see attachment. 

A complaint was submitted on XX/XX/XXXX with the CFPB complaint ID XXXX ) regarding Transunion reporting inaccuracies on my consumer report. The company responded that the following information will be updated and I will receive an updated report which I haven't. 

Im not understanding how the case was closed without the following information being updated. I checked my credit report on XX/XX/XXXX. The company has not updated the information nor provided supporting documentation validating the late payments reporting on my consumer report. 

The following accounts are still reporting inaccurately : XXXX. XXXX XXXX {$4000.00} - Unverified Late Payments XXXX XXXX Late payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX {$2000.00} Unverified Late Payment XXXX XXXX Late payment : XX/XX/XXXX. 

I have been a proud member with XXXX  XXXX since XXXX, the creditor nor I has given Transunion the consent to report these inaccuracies.
Product: Credit reporting or other personal consumer reports

My account with FLORIDA XXXX XXXX, XXXXXXXX XXXX AND XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 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. 

FLORIDA XXXX XXXX, XXXXXXXX XXXX AND XXXX XXXX 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: Vehicle loan or lease

THE CAR WAS REPOED IN 2021, THE CAR WAS SOLD AND EVERY MONTH, THEY KEEP REPORTING A DIFFERENT BALANCE AND LATE I WAS A COSIGNER ALSO ON ANOTHER ACCOUNT WHICH MY DAUGHTER VOLUNTARILLY SURRENDERED THAT CAR ACCT # XXXX I AM SEEKING REMOVAL FROM MY CREDIT ACCOUNTS FROM ALL CREDIT REPORTING AGENCIES
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Product: Debt collection

I contacted Meade & Associates XXXX XXXX 2017 after reviewing Credit report I told them that I never wrote a check to XXXX for {$90.00} & {$60.00}. I gave them the last XXXX digits of my social XXXX along with date of birth. I have never had a joint bank account with a XXXX XXXX my wife name is XXXX XXXX. XXXX. They said they could see from the information that this was not me. They said that I would have t contact XXXX to have it removed I did XXXX said as of XXXX/XXXX/2017 that they belong to me if they send me a copy of the checks I can prove these checks are not mine. I contacted XXXX to see were the checks were drawn from spoke with XXXX XXXX said she would Email me or call that was Friday please call XXXX XXXX and tell them to send me the copies of the check and to send info to XXXX to remove from my files. Ps. I told XXXX XXXX never stay on XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This company has not provided me with any signed contract that I have with them. They have also been banned through the FTC.I have never signed any form on contract or any paperwork with this company. I have asked for communication of a 1099 and a detailed bill with no response.I have sent to them certified mail
Product: Credit reporting or other personal consumer reports

RE : Discrepancy in Credit Report Listings XXXX XXXX XXXX ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( # XXXX ) across the three major credit bureaus - XXXX, Equifax, and XXXX. My recent review of my credit reports revealed inconsistent information regarding the open date of this account. 
XXXX 's report shows an open date of XX/XX/, while Equifax reports the open date as XXXX and XXXX is reporting XX/XX/ also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, XXXX and Equifax, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. 
I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

They called from a VIOP number. They asked for me and I said speaking and hung up. They do this repeatedly throughout the week. I called back and asked their business and the woman pretended that she did not hear my question and just kept asking who is this? 
The business name is XXXX but when I look it up it is Health Care Recovery Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am writing to file a complaint against XXXX ( formerly, XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in relation to the inaccurate reporting of my car loan payments. 

I entered into a written agreement with XXXX for a payment deferment on my car loan. However, despite this agreement, XXXX has reported my loan payments as late to credit reporting agencies, causing damage to my XXXX XXXX and hindering my ability to utilize the banking system fairly. 

In accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), XXXX is required to report my loan payment history with accuracy and fairness, and to take appropriate steps to resolve any disputes regarding the completeness or accuracy of the information provided. 

Additionally, the FCBA, 15 U.S.C. 1666 ( a ), requires that credit card issuers and other creditors accurately report account information to credit reporting agencies. Furthermore, XXXX is in violation of the FCRA, 15 U.S.C. 1681s-2 ( b ) ( 1 ) & ( 2 ) and FCBA, 15 U.S.C. 1666i, which indicate that upon a written and signed deferment agreement between the lender and borrower, the payment history is supposed to be current without any late payments. 
I respectfully request that the Consumer Financial Protection Bureau take immediate action to correct the inaccuracies on my credit report, and that XXXX be held accountable for their failure to report my loan payments in accordance with the law. Specifically, I request that my credit report be updated to reflect the " current status- never late '' and that any late payment history be deleted from my credit report based on the deferment agreement. 

I look forward to your prompt attention to this matter and I am available to provide any additional information or documentation that may be required. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unauthorized XXXX payments were taken out of my Wells Fargo account on XXXX XXXX, 2021. Both transactions were in the amount of {$900.00} each. I submitted a claim with Wells Fargo on XX/XX/XXXX. During that phone conversation, a specialist closed my account and opened a new bank account. After XXXX business days, we called Wells Fargo for a status update and the specialist informed us the claim was mistakenly filed under someone else 's name ( no relation to me or the other account holder ). I had to file another claim on XX/XX/XXXX21 and was informed it would take another XXXX business days for resolution. This is after several phone conversations with several fraud specialists at Wells Fargo resulting in hours of on-hold time and hours of conversations with several difference fraud specialists. We were just informed today that WF has denied the claim. 
XXXX is the bank 's money app that I never use. I did not authorize those transactions.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. It hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX AND XXXX ARE REFUSING TO REMOVE INFORMATION FROM MY CREDIT REPORT THOUGH I HAVE PROVIDED AN FTC IDENTITY REPORT, AND POLICE REPORT. 

I HAVE ASKED EACH BUREAU : Please block and remove all information resulting from Identity Theft pursuant to FCR

A 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

IN WHICH THEY HAVE REFUSED TO DO SO.
Product: Credit reporting or other personal consumer reports

I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks
Product: Checking or savings account

I use MoneyLion for my online banking and they restricted my account for no reason upon trying to resolve this situation they are making me wait 3-5 business days to resolve the matter which i didnt request mean while i have bills to pay that a linked with this account and i can not access my funds which is causing me financial hardships
Product: Checking or savings account

To whom it may concern, On XX/XX/year> I went to the M & T Bank branch office in XXXX, MA. I spoke with XXXX XXXX, bank manager. I explained that the interest payments on my M & T Premier Savings account were below the Premier Savings Rate of XXXX XXXX as promised, when I first opened the Savings Account. I stated that I had contacted the bank or came into the bank to make sure that I was receiving the promotional rate, the bank tellers would tell me that I was all set. Previously I would call M & T on their XXXX telephone number and would be told that I am receiving the promotional rate. At XXXX XXXX  I called XXXX # XXXX at the M & T XXXX number and she looked into the matter for me. Specifically why I was only receiving XXXX XXXX on my Premier Savings account, that advertised a higher rate of XXXX XXXX  for XX/XX/year>, XX/XX/year> and XX/XX/year>. Especially since my balance was higher, due to a {$50000.00} deposit I just made on XX/XX/year> of which an interest rate of 4.08 % was quoted to me as my M & T Premier Savings account rate. 
The correction I want, is for the interest payments to reflect the Premier Savings rate of interest I signed up for when I was influenced at the time, that this was the best liquid account I could sign up for from M & T bank. 
At this point neither the M & T branch manager XXXX XXXX nor XXXX # XXXX at the M & T home office could help me resolve this issue. The branch manager XXXX XXXX called me on XX/XX/year> at XXXX XXXX  and did agree to fix the issue after some research could be done on his end. XXXX XXXX ended the conversation with a promise to contact me on whether he could give me the Premier Savings account rate for the dates in which I did not receive the Premier Savings account rate. Hopefully this issue can be resolved, as again today, I asked the M & T Branch Manager XXXX XXXX, if he had any disclosures or policy pamphlets that would reflect the banks policy regarding their Premier Savings account requirements, he did not reply. He thanked me and said that he would be in touch with me as soon as he could have an answer, that he could fix my account. 

Thank you, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MA. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax let someone steal my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified from XXXX that my information was compromised and I am requesting that 5 credit inquiries be deleted from my credit report.
Product: Mortgage

My grandmother Insurance company sent fay Service a check to pay off her mortgage. Fay service sent the check back, and the Insurance company sent the check back to Fay service after they received the check they told my grandmother her property is up foreclosure and her check is just sitting into an escrow account. My grandmother never had an issue with her mortgage being paid it. Everything went down hill when Fay service took over. Fay service was taking money out her account twice amount a month.
Product: Debt collection

We mailed I.Q. Data International, Inc a dispute letter within 30 days of getting their letter dated XX/XX/2019. We disputed the validity of the charges. However they have never verified this information as required by FDCPA. The apartment is actually the one that took part of our security deposit. We are in the legal process trying to recover this money from the apartment. We explained this to them politely and told them to stop calling us. However they continue to repeatedly call us, harass us, and use scare tactics.