23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries.

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.
Product: Prepaid card

On XX/XX/XXXXXXXX  I have purchased ( 3 ) {$500.00} Mastercard Giftcard from XXXX After purchasing it, I received the card in a few minutes. I then added the cards to my XXXX XXXX. However, only 1 of the 3 cards were able to be added. I've called them and asked them for why this was the case. Online shows : " On Hold - Your card is unable to be used at this time. Please immediately call the customer service number on the back of your Card. '' After calling them, they let me know that my case number is XXXX. They let me know that this is to protect fraudulent charges. I thought this was weird as I just purchased it, how can it be fraudulent? I've requested that they send me the refund for the two cards, or re-issue me the e gift card. They said that they can refund me after 30 business days, and depending on the resolution, will issue me a check for {$1000.00} ( 2 cards ) through USPS at my mailing address. I thought this is ridiculous, and 30 business days is unacceptable due to the amount of the it takes. Unfortunately thats their only I thanked them for their time and hung up. Cards affected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/2024 and XX/XX/2024, I made two purchases totaling {$2400.00} from XXXX using my XXXX Card offered through the Exchange Credit Program ( XXXX ). I found that on XX/XX/2024, I had been charged {$20.00} in interest on the purchases that I had made less than ten days prior. When I called to inquire as to why I had been charged this interest, I was told that I had been enrolled in the pay-your-way program and that I was charged monthly interest at 9.99 % per month. I informed the customer service that I had never intended to sign-up for any payment option and that I would be paying-off my card balance prior to the due date and to remove me from the payment plan that I had never wanted to enroll in. I was told that a request for reimbursement would be submitted on my behalf and that I should pay off the charges that I had incurred on my purchase. On XX/XX/2024, I paid off my purchase balance in full, prior to the due date of XX/XX/2024. Upon receiving my statement for XXXX, I found that the interest charge of {$20.00} had not been removed from my card, and that I had been charged another {$19.00} for interest on the unpaid {$20.00}. I called customer service again to have the interest charges removed, as my balance had been paid in full. Customer service agreed to remove the {$19.00} that I had been charged, but refused to remove the {$20.00} from my account. The reason that they provided was that I paid after the due date, which was untrue ; my payment in full was made on XX/XX/2024, and the due date was XX/XX/2024. I was told by customer service that I would have to send a written email to XXXX to request a review of my situation and to have the interest charges waived. I sent my email on XX/XX/2024 to the XXXX XXXX XXXX XXXX at XXXX and expressed my dissatisfaction with the charges that had been applied to my account, that I had never knowingly signed up for any pay-your-way payment plan, and requesting that the fraudulent interest charges of {$20.00} be removed from my account. On XX/XX/2024 I paid the {$20.00} interest charges on my account to avoid being charged further interest and to avoid damage to my XXXX XXXX. On XX/XX/2024 I received an email from XXXX XXXX at XXXX XXXX XXXX informing me that my card balance was {$0.00}. I responded with another email requesting the removal of the interest charge on XX/XX/2024. I also called the number that XXXX XXXX had provided in her email, which was the main customer service number. The customer service representatives that I spoke with informed me that I would not be able to speak with anyone from the XXXX XXXX, as they only respond to email. The customer services representatives told me that there was nothing that they could do for me.
Product: Credit reporting or other personal consumer reports

I have multiple credit inquiries on my credit report that took place on the same day and those inquires should not be on there. The following inquiries would need to be deleted from my report as I do not have any credit with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX  + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Sales Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX + Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX + Auto Financing XXXX XXXX  Inquiry : XXXX XXXX XXXX  + Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX  + Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Automobile Dealers, New ( XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX  + Sales Financing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below are the following the accounts with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 me 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 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. 


XXXXXXXX XXXX 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: Credit reporting or other personal consumer reports

, there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

The identified transactions are not information related to any transaction by me as the consumer.

Based on 15 U.S Code 1681c-2 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 not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible!

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX my property was hit by Hurricane Michael.  I attempted to repair the property after several difficulties with my contractor and since I am in the XXXX XXXX XXXX outside of Florida. I decided to sell my property at the beginning of XXXX XXXX. I was given an offer for XXXX which I accepted. I promptly requested a payoff from my mortgage company. The payoff I received did not include the remaining funds from my restricted escrow account with XXXX dollars in it. All the payoffs I received stated approximately XXXX, but it should state approximately $81,000. After spending hours and days on the phone and their continued promises to send me required documents they still have not. I was supposed to close on XXXX XXXX XXXX  but because I haven't received an accurate payoff statement with the insurance proceeds on it I have not been able to complete the sale.
Product: Money transfer, virtual currency, or money service

Around Mid year of 2024 my cashapp was hacked into and the hacker did illegal things on my cashapp making it violate terms and conditions with cashapp. i have tried asking for help but the bot doesnt send me information on what i am asking of them. its very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc XXXX  XXXX  File a complaint with the Federal Trade Commission if you feel you are a victim of any type of online fraud at ftc.gov/complaint and IC3.gov. Never give out personal ..
Product: Mortgage

The problem began when PNC Bank went through a conversion to the loan accounts in XX/XX/2018. Since the beginning of my loan, I have always paid my payments early even though I am set up for auto draft. I was guaranteed at the beginning of the loan that I could pay early with no penalty and the Bank would not take an additional payment from auto-draft since the payment had already been made. Since the conversion, they have been taking an additional payment from my checking account even though the payment was made early. On one occasion, I had to transfer money from another account as to not overdraw my checking and be charged overdraft fees. On another occasion, my checking was overdrawn and overdraft fees were charged and they took money from another account to cover the home equity loan payment even though the payment had already been paid early. PNC has even turned my account over to their collection department stating I asked for an extension due to hardship, which I never did. All payments have been made early and an additional amount paid to principle since the beginning of the loan. I have talked to several people regarding this matter since XX/XX/XXXX and nothing has been done. I get a response of " there is an open case on your account '' but yet the mistakes continue to be made. If I remove the auto-draft from the loan, they can raise my interest rate. They are taking money that I don't owe. Getting them to return it takes weeks. After five months, I should not be dealing with this problem.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent account on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, this inaccurate entries remain unaddressed. 
Your failure to remove this account, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. 
Furthermore, other credit bureaus have already removed this account from their records after the submission of FTC report and thorough investigation. 

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

It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I am requesting to please remove the following items completely from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 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 that are reported 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 dateXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

on my recent Dispute with the Experian on XX/XX/2021 requesting proof showing that the account that is being reported on my credit report by XXXX is accurate. Which they have 15 days to do so I did not receive any document from Credit Bureau Experian showing how they had verified the reporting by the Creditor XXXX. Experian have failed to adhere to guidelines put in place to protect accurate reporting at all times. I reported this to CFPB on XX/XX/2021 when Experian responded by sending result, they said verified with submitting what I requested.
Product: Vehicle loan or lease

I purchased a vehicle in XXXX XXXX, La on XX/XX/year> and recently reviewed the contract. According to Louisiana law I was supposed to pay {$15.00} for notary fees and {$35.00} for processing, however I was charged {$200.00} documentation fee ; {$18.00} convenience fee ; {$30.00} notary fee and {$96.00} documentation filing fee. 
My down payment of {$8500.00} was added to the cost of the vehicle, not subtracted. The actual cost of the vehicle {$13000.00} would almost triple after payments were completed to {$29000.00} for a XXXX with XXXX miles. 
I did not authorize the use of electronic signature. I noted the contract I have states the interest charge was negotiable, I can not resell/trade vehicle without permission from the dealer and that the vehicle has a GPS tracker used by Credit Acceptance. The contract was given to Credit Acceptance by the dealer ( account # XXXX ) with incorrect charges.
Product: Debt collection

Only received an 2015 IRS Form XXXX from Pinnacle Credit Services , LLC for XXXX for {$670.00}, ( Line XXXX ) date of debt discharged XXXX/XXXX/2015. This is the first and only correspondence. 
The XXXX was addressed to " XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX