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

I received the payment booklet on XX/XX/2018 from XXXX the loan payment is due as of XX/XX/2018, for the amount of XXXX. I started to make the payment as of XX/XX/2018 a week, and I began to pay {$500.00} a week ahead of the due date until today. 
XXXX falsely reported to the credit bureau that I have a late fee on XXXX, amount of {$21.00}, XXXX {$21.00}, XXXX, $ XXXX XXXX XXXX. 
I contacted them on XXXX, XXXX, XX/XX/2018 and requested the explanation for why reported the late fee while I am paying more than the minimum amount, and although the booklet begins as of XX/XX/2018, I started as of XXXX and making the payment a week ahead of time. 
Now again XXXX reported to the credit bureau, that I have late on the payment. I have my record which is an indication they received ahead of the due date for more than the minimum amount. I am sick of tired of calling and talking to many clueless people. 
The problem is these people are, answered the call either from XXXX or the XXXX. I am a federal government employee, and such a false reporting will impact my job.
Product: Credit card

American Express made an offer for an extension of credit in exchange for a note ( 12 CFR 360.6 ). I accepted this offer and returned the note. I paid for the goods and service via the note, and became an investor in their company. offer and acceptance. They have accepted my note, then claimed I did not qualify, Although this is a clear violation of 12 CFR 1002.6 ( a ) I informed them that the information used to determine this was inaccurate, and that we already have a contract. I informed them that this is a violation of the equal credit opportunity act, and that their own prospectus states they can not guarantee the accuracy of their credit worthiness determinations. I made an investment in American Express and they have taken my securities without providing the goods that I paid for. This is Securities Fraud. They have sent responses that appear to be automated and in no way have acknowledged my claim. I am a victim of American Express deceptive practices. By telling the SEC they are treating their investors one way, but the whole time clearly mistreating their investors. American Express clearly told the SEC in their Prospectus on page XXXX " We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system ' I Applied for American Express XXXX XX/XX/XXXX. I was denied and their response states they can not continue our processing your application due to your freeze on your credit report. 
The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ), is the focal point for HHS Privacy Act administration, including the XXXX System XXXX XXXX XXXX XXXX XXXX ) and Computer Matching Agreements ( CMAs ). The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her. Prohibits disclosure of such records without the prior, written consent of the individual ( XXXX ) to whom the records pertain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Trans Union twice about an account being reported that is inaccurate. 
The line item / account name is : 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 The other reporting agencies have removed this fraudulent item. 
It never appeared on XXXX XXXX has deleted the item XXXX XXXX XXXX XXXX has confirmed I was a victim of identity theft/ fraud, and not responsible for the charges. 
TransUnion is the only company dragging their feet on the issue. 
This is not my account I am not responsible for this account It needs to be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I contacted the XXXX fraud department to request a letter stating that I have continuously been a victim of identity theft. I had an office visit with the Department of Social Security Administration and they requested a letter on XXXX letterhead stating this information. After being on hold for 45 minutes, I was transferred to department after department. I explained that I am a victim of XXXX  XXXX and my attacker continues to find me through my social security number and date of birth due to him taking my purse from me during the altercation. The Department of Social Security Administration stated, " If I could obtain all documents from each credit bureau that I would be able to receive a new social security number. '' I have given years of copies of disputes from each credit bureau showing this information. When I called, I calmly explained the situation and I was told that they could only send me a copy of my credit report. I asked for a manager and was transferred to someone by the name of XXXX claiming to be a manager and simply restated the exact same thing as the previous four people. If something was to happen to me that I would leave a written statement for the public, and all parties involved after numerous attempts to protect my life were bypassed because of a letter.
Product: Credit reporting or other personal consumer reports

My account with 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 i

n 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standa
rds 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.

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 or other personal consumer reports

Southern finance have inaccurate information on my report and violates my privacy
Product: Credit card or prepaid card

On XX/XX/XXXX I called american express to cancel one of my cards. To my knowledge all I had opened under american express was a XXXX XXXX XXXX card and XXXX XXXX  card. The representative asked me on the telephone, " Which of the four accounts would you like to close? '' I said what all I know about is the two accounts. He said you have a buisness account under XXXX under XXXX XXXX & XXXX XXXX, you have a hilton honors card under XXXX XXXX and the XXXX XXXX XXXX and XXXX XXXX card. I told american express that that is my Dad opening up accounts in my name. The representative states that both the Hilton honors and buisness card were opened in XX/XX/2022 and XX/XX/2022 and that there was a balance of {$5000.00} on the business account and {$3000.00} to the hilton honors account. I told american express to cancel my account and they transferred to fraudulent department and an investigation was started. They said id receive something in the mail in 2-4 weeks. I then pulled my credit report from XXXX and saw a XXXX XXXX  XXXX card opened in XX/XX/2022 which I did not open. I called XXXX XXXX  XXXX and asked what account was opened and they said there is an account open in your name XXXX XXXX but the number, email and address were all my dads information. I was transferred to fraudulent department and they closed the account. The total amount for XXXX  XXXX XXXX was {$3800.00}.
Product: Debt collection

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I was unable to log into my MyEquifax account to manage my Equifax credit report freeze. The website told me to call Equifax customer support to resolve the issue. 

I called Equifax and verified all my information with an Equifax agent. He told me that the issue should be fixed soon. 

It has been over two years and I havent received any update from Equifax and Im still unable to manage my Equifax credit report freeze. Im also currently unable to manage my Equifax credit report freeze over the phone. 

Equifax has repeatedly failed to tell me why I cant manage my Equifax credit report freeze online or over the phone. 

Im fearful that Ill end up in a situation in which I need to immediately lift the freeze on my Equifax credit report and will be unable to do so, causing irreparable financial harm to myself.
Product: Mortgage

Second mortgage percentage 9 % Terms 15 years Balloon payment {$27000.00} Mortgage matured XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of federal law under the Fair Credit Reporting Act. Under the FCRA 15 USC 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 instructions of the consumer to whom it relates. I never gave Experian any written instruction to furnish a consumer report. No consent is identity theft. A copy of the identity theft report as proof marked Exhibit A attached.

Furthermore, you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity, and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX, and marital problems.

You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy.

Fairness, impartiality and a respect for my right to privacy was not extended to me.

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me you furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public.

An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my consumer report and file.
Product: Debt collection

I am owing money to XXXX, XXXX. I am not sure why I have a debt of {$1100.00} or why this collections is open. I have not visited this dental agency since I was a child and had braces as a child. before my mother pasted I had my braces removed at the age of XXXX. I have not been to this dentist over several years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account hurting my ability to obtain credit. This account charge off on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Since then the account has repeatedly been updated as charger off every moth.This is an update in the payment history. A charger off account should NOT include an active payment history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you will reinvestigate this account properly and see its has violated my rights of privacy. I am demanding a deletion of the following account of my credit report. Account Name : XXXX XXXX, Account Number : XXXX.
Product: Debt collection

I received a summons from the Sheriffs office that I owe XXXXXXXX XXXX XXXX XXXXXXXX I sent a letter asking for more information because all the account number except the last four were erased with a black marker. The same with the social security. 
I received a lot of statements but again no verification I sent the second letter and I received statements again and somewhere it says verified. 
Who verified it? 
I flip the pages and I see that I have to answer the following interrogatories. 
I never received the purchase agreement and the bill of sale either.
Product: Vehicle loan or lease

I had problems trying to pay online and I could not access the account. I eventually paid loan amount, but as a result of missing deadline, a {$25.00} penalty was imposed. The late fee represents 5 % of outstanding balance for  one  month. ( That is loan shark rates  ) .   I feel the penalty was excessive given the balance on the account was  one  payment away from payoff. They informed me that since they waived a fee in  XXXX   XXXX  that they were unable to waive this fee  (   XXXX   XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion ( XXXX ) Unauthorized Hard Inquiries XXXX ( XXXX ) Unauthorized Hard Inquiries Collection XXXX XXXX XXXX  ( {$150.00} ) Its been XX/XX/2019 3 Years 0 Months In accordance with The Fair Credit Reporting Act XXXX Account Has Violated my Rights. 

15 U.S. C1681 Section 602A States, I have the Right to Privacy. 15 U.S. C1681 Section 604A Section 2 It also States a Consumer Reporting Agency can not Furnish an Account without my Written
Instructions or Consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry was made on my report by OneMain financial on XXXX XXXX. I have never even heard of this place until I saw a notification on my credit report about a hard inquiry. I called and received the worst customer service ever. She tried asking for my entire social over the phone, I told her I dont feel comfortable giving out that information, maybe last 4. You never know what she is saving on her computer or writing down. She received no results from a last/first name lookup and all she said was I can dispute it. Basically the run around. I can dispute it with whoever reported the hard inquiry, I.e XXXX or XXXX XXXX. They supposedly cant do anything with my full social given over the phone. I said no and after much back and forth, she looked me up by first and last name. When that didnt come up, she asked for my last four of my SSN. Where was that option before asking for my full social over the phone?
Product: Mortgage

Dear CFPB, My complaint is against SunTrust Bank regarding refusal to properly apply mortgage payments and charging late fees for payments that were not late. I feel like I was forced into asking for a partial claim through Suntrust 's XXXX XXXX when I wasn't behind on my payments. I also feel like SunTrust failed to properly process my home preservation application and my eligibility for their programs to remain in my home. 

SunTrust Bank stated they never received payments from me for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX although I have repeatedly sent proof of payments of checks cashed by SunTrust for these months from XXXX XXXX  and copies of money orders. 

I received notice from SunTrust stating my loan payments stated above were not paid and I was referred to XXXX XXXX because I was behind in the payments listed above which was not. So, I completed the Home Preservation documents and submitted them to XXXX XXXX of SunTrust XXXX XXXX to hold onto my home until the matter of the payments could be cleared up. 

SunTrust put me on a forbearance through XXXX, XXXX with a promise of a partial claim at the end of the forbearance period. Since sending the cancelled checks to SunTrust and speaking to several representatives trying to clear up this matter, I have never heard back from anyone including XXXX XXXX, XXXX XXXX, XXXX XXXX and others. I have sent several emails and I have had several phones regarding this matter with SunTrust representatives. The payments were made as follows : Listed below are the checks and money orders SunTrust cashed through XXXX XXXX but refused to acknowledge the payments were received from me. I sent you photo copies from the bank via email to SunTrust representatives.. 

XXXX XXXX, XXXX and XX/XX/XXXX payments were made with attached XXXX XXXX  XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX XXXX in the amounts of XXXX and XXXX totaling XXXX. 

My complaint is against SunTrust bank and I am making the complaint on behalf of myself. Thank you for your help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX
Product: Checking or savings account

I attempted to open a checking account with Capital One without success. ( I am an existing credit card holder. ) When the account was denied, I contact customer service by telephone. Ultimately, I was advised that I could not open and account due to a business decision based on negative information associated with an account with ING Direct from 2012. 

I requested specific details of the negative information or a written denial with details. To my recollection, my previous ING account had been closed when Capital One acquired ING Direct due to a balance below the minimum requirement ; however, I have no additional detail. I was advised by the customer service associated that all information from that long ago had been purged from the system Capital One system. 

Given the lack of information and the age of the ING account, I asked to open a checking account in light of my Capital One credit card account in good standing. I was advised that I would not be able to resolve this issue regardless of my Capital One account. I was also advised that no written explanation would be provided. 

Since significant derogatory financial information is generally not considered after 7 years ( bankruptcy, foreclosure, etc ), I considered it discriminatory that I can not open a bank account 10 years after having a bank account with a balance below {$100.00}. 

I would like to request that the Capital One 's policy of applying minor negative bank account information in perpetuity be reconsidered, and examined for its discriminatory application against specific populations.
Product: Credit reporting or other personal consumer reports

My identity was stolen. I reached out to all 3 credit bureaus to place security freezes and try to dispute the fraudulent accounts. None of the 3 would answer the phone.

I also at this same time had my name legally changed, so I tried to update my information with them by providing the copy of the court order of name change. This instead " fractured '' my report into " multiple accounts '' and left me open to even more fraud as now the credit report was incomplete/inaccurate and any " freeze '' applied only applied to one name and not all of my information.

I have been unable to connect to a human being for two months. This began on XXXX and I have not been able to get connected to a human person via phone as each bureau continues to try and push me into their paid service in order to be able to speak to a human being. I have multiple open case numbers and am unable to follow up on them or correct this mistake THEY made as they will not answer their phones. I spend 5 hours a day EVERY DAY on hold with their chatbot on the phone. EVERY. DAY.