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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include e
mails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Transunion are both in violation of licensing law, debt collection laws, credit reporting laws, and federal trade & privacy laws. They are furnishing and storing invalid, unverified, private and personal information at a huge risk that could be damaging, threatening and in a way cause loss or injury to I the consumer. I demand the CFPB as a fiduciary and regulatory agency investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been sending letters to this Company that is reporting errors in my credit profile, and they are refusing to investigate, i have not get any letters from this company to let me know if they are investigation or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were XXXX duplicate collection accounts placed on my credit report in XXXX 2022. The reporting agency used a different name to report duplicate collections that have the same account numbers and amounts. I feel like this is frivolous and fictitious and is damaging to my credit. Ive been denied a loan due to this. Ive disputed twice once in XX/XX/2022 and once in XXXX 2022. The items remain on my report. Ive contacted the reporting agency on XX/XX/2022 and have not resolved the issue. I would like these removed from my report and them held liable for their misconduct. The company is MS Services.
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX 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 : XXXX to file a report and Per FCRA XXXX XXXX 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00}. According to FCRA XXXX XXXX ( 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: Debt collection

the vehicle previously purchased was an XXXX XXXX  XXXX that was identified as a lemon vehicle!! took the vehicle over to XXXX XXXX to repair the engine sensor code, that kept coming on on the XXXX, XXXX, and the XXXX of each month the vehicle would shut down for no reason? until, later it was discovered that gps locator device was installed from an previous owner who had defaulted on vehicle before my purchase. i went back to auto dealer to explain why this information was not disclosed ; and i verbally abused and insulted too the point were the gentleman threaten to have me removed from the premises and i needed to take the vehicle over to XXXX XXXX XXXX which has since changed names from the original complaint submitted XXXX ago. this, blemish is still on my credit report negatively, which is a lie ; the vehicle was turnovered as granted by a federal judge from XXXX county ; which allowed me to walk away from vehicle with a loss for no credit would be given to either party as for the verdict which i agreed that the vehicle was also part of the massive recall on takeda airbags which also continue to trigger a faulty code warning for XXXX sensor and XXXX alert for bag indication on dash panel. the total value also was inflated by $ XXXX meaning the vehicle was only worth {$5000.00} according to XXXX  and this former company put on the credit report vehicle was repo when it was not!!! another white lie. and still put {$3700.00} on credit report negatively.
Product: Bank account or service

I responded to a Chase direct-mail marketing offer : Get a {$200.00} bonus when you open a savings account, deposit $ XXXX or more in new money, leave it there for 90 days, and leave the account open for 6 months. Sounds straight-forward. What the offer does n't state is that in order to open a new account ( even if you 've held a Chase credit card in good standing, as I have for 12 years ), I was required to provide the following information. By required, I mean that the Branch Manager was firm that she would not open the account without this information. 
My Permanent Residency card ( " green card '' ) - I had to go home to get this before she would procede. ( I had already given her my Chase credit card, XXXX. Drivers License, and Social Security #, which she confirmed matched the info that she had on file for me already through my credit card. ) I brought back my XXXX passport, too, just in case. She said that she " was n't sure '' that she 'd need that. 
Name of my employer and annual salary Whether I own or rent my home, the amount of my outstanding mortgage, the name of the company that holds that mortgage, and the appraised value of my home Details regarding every checking, savings, retirement, and investment account that I have, not only which institution they 're at, but the dollar value of each Which other credit cards I carry, and whether I carry balances or pay them off monthly The process took a total of XXXX minutes, sitting at the Bank Manager 's desk. It became clear to me that this is no bonus to open a savings account. This is {$200.00} that 's being paid to mine every bit of financial information that I have. This was to open a simple savings account. I was providing Chase with more financial information about me than anyone else has, to sit in their database ... not for a loan, mortgage, or line of credit, but for a simple savings account. I think that Chase should have to indicate the breadth of information that they require in order to take advantage of their marketing offer. If I 'd known, I would n't have considered closing my savings account at another institution and switching to Chase. ( But once I 'd already invested that time, I wanted to take advantage of the {$200.00} bonus. ) I mailed a letter to Chase XXXX XXXX, but have n't had any response from them to date ( 3 1/2 weeks later ).
Product: Vehicle loan or lease

Hello, I paid off my Kia XXXX lease in XX/XX/. I never received the title, so when I went to register the car for XXXX  year, I have been unable to receive my registration. It's been 2 months now, and all I have received is a bill of sale form from Hyundai capital. My account is under the same email, I need a duplicate title please sent to my address so I can drive my car. Please let me know what to do, I have been hung up on over a dozen times, and offered help from Roseville Kia Finance department IF ... .I sell the car back to them! XXXX at Kia Roseville Finance offered to help me if I sold the car back to them, seriously... I am lost for words. Please help me, thank you.
Product: Checking or savings account

This begin XXXX of XXXX American express serve is telling me that XXXX XXXX has several different email accounts and accounts in my name and there were two other cards that was associated with my actual bank Account that the federal government was depositing all my funds into and that my account email and account had been compressed, and that's where my funds have went. Well mind u I am still fighting to get all of my funds with several different deposit into my account and yet I have still got a XXXX balance mind u I have or only should of had one card and one account. That the government made deposit into my Account like XXXX in USD also a XXXX USD a XXXX USD also a XXXX deposit and mind u I haven't received any of my funds not too mention another XXXXusd on XXXX of XXXX and I would keep going I am struggling with nothing.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below. When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.
Product: Credit reporting or other personal consumer reports

I requested verification of debt from XXXX XXXX XXXX. XXXX XXXX  did not send verification of debt document they instead sent an amount owed with payment history. That does not prove the ownership of debt. Upon receiving this information, I sent copies to all three credit bureaus. All removed the collect except for Transunion. Transunion has no valid documentation for ownership of debt. The debt by XXXX XXXX XXXX should be removed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Fraudulent Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : Fraudulent Has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. I have also tried to call them repeatedly, and left XXXX but have not gotten any response from them. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

I need your help to correct this error and update my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Product: Checking or savings account

It all started on XX/XX/XXXX. I received a text message about a toll payment, which I thought was legitimate. The message stated that I needed to pay only {$6.00}, so I entered my credit card information. Since it sometimes takes a few days for transactions to process, I didnt think much of it at first. 

However, a couple of days later, I noticed unauthorized charges appearing on my account. Instead of the {$6.00} toll fee I expected, I was shocked to see transactions totaling {$980.00} and {$1300.00}, adding up to $ XXXX was all the money I had, including funds from my college. Thats when I realized I had fallen for a scam and that the toll message was fake. 

I provided a message that sent to me that made me nervous thinking i owe toll fees to dmv.
Product: Debt collection

This debt collector, XXXX previously calls Progresso Fiananciero, calls 5 or more times a day from different numbers. When I have answered and explained my situation they always force me to make a promise payment, and when obviously it is n't kept they note it as a broken promise and pretty much throw it in your face and against you. I 've expressed my apology to failure keeping my loan on track when i understand i commited myself to it, yet they will tell me. " Well you compromised to the loan and your are not complying '' Recently they contacted multiple times my references who i was told were only for reference purposes. They are fustrated with me already. I am facing a nerve breaking point full of stress and i cant do it anymore. Help im tired of their harrassment asking every time why haveny i paid. I explained my grandmother passed away, my mother due to that faced health complications. During this time i faced a cut of hours at my job. To top things we had to leave our home because it did n't comply with city safety regulation. I turned homeless for a short period and they dont seem to understand that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act the XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 


Account Name : XXXX Account Number : XXXX INQUIRIES : 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

I'm baffled by the repeated denials of my identity theft claim. This situation is incredibly frustrating and exasperating, and I can't comprehend why this is happening. Who granted you the authority to dispute my status as an identity theft victim? I have a clear understanding of my own situation, and you are not in a position to act as judge and jury. 
According to the Federal Trade Commission ( FTC ), if I provide an FTC identity theft report filed with a law enforcement agency ( which happens to be the FTC ), you are obligated to take action. So, why are you not adhering to the guidelines? 
I'm extending one final opportunity for you to rectify this situation. Please delete this account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX 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: Credit reporting or other personal consumer reports

My account with XXXX 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 those account 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.

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

I have spoken with all the credit cards that are associated with my name and they will not clear up the negative effect this has had on me. COVID 19 was a disaster my husband and I maintained pretty good. We called everyone and they assured us that we would not get a late on our credit and now that we are trying to qualify for a house the scores have been effect I need these fixed immediately. The home we have been renting the owner has to sell due to COVID 19 and we would like to purchase but the late payments seem to be the only thing that is affecting us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank! Has DAMAGED MY CREDIT I WORKED SO HARD FOR! 
XXXX. XXXX {$5000.00} credit line decrease me to {$1600.00} never 30 days late. 
XXXX. Care Credit  {$11000.00} credit line decreased to {$6000.00} never 30 day late. And I had to cancel my dental appt for a bridge I was supposed to have done. 
XXXX. XXXX  {$5000.00} credit line decreased to {$480.00} never 30 day late. 
XXXX. XXXX XXXX XXXX {$4500.00} decreased to {$3500.00} and Synchrony bank closed this account with balance never 30 day late. 
XXXX. XXXX XXXX paid off card {$4000.00} credit limit account was closed. never 30 day late. 
I feel this should have not happen during a pandemic and high inflation. I had to lived off my credit cards to eat and survive ; and through it all I still managed to pay all my credit cards obligation on time. 
My debt ratio flew sky high because of Synchrony. my other creditors reviewed my credit report and one by one my other credit card limit start decreasing. it has cause a domino effect and I now all my credit cards have been decreased. What took me years to build, Synchrony took seconds to demolish my credit! 

MY CREDIT IS RUIN BECAUSE OF SYNCHRONY! 
STAY FAR AND AWAY FROM THIS BANK! THEY WILL RUIN YOUR LIFE!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, Experian, and XXXX. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with Target TD. XXXX reports the account as being opened on XX/XX/year>, while Experian and XXXX report different open dates- XX/XX/year>. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Moreover, XXXX and Experian report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act and emphasize the importance of accurate reporting by the credit reporting agencies.

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is noteworthy that while XXXX and XXXX report this account with a high credit of {$330.00}, Experian inaccurately reports the credit limit as {$0.00}. This disparity in reporting further emphasizes the urgent need for correction.