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

The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. 
I did not authorize the inquiry from AMEX and I do not recognize this transaction as authorized by me, the consumer which this inquiry is reporting on. Please remove this inquiry from my consumer file. 
Failure to comply with the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights.
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. XXXX XXXX XXXX has violated my rights on my TransUnion credit report. In accordance with the FCRA immediately delete this account from my consumer credit report. 
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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 have all violated my rights . 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, has violated my rights. 

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. Is states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

I have filed an application to change to IDR repayment plan and should have been moved into a processing forbearance by Mohela.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX Date XX/XX/XXXX Amount {$600.00} XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX Amount {$1200.00} XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX Amount {$1000.00} XXXX  # XXXX XX/XX/XXXX Amount {$520.00} On XX/XX/XXXX, I have review my credit bureaus and noticed the accounts are being inaccurately report, and need to be deleted. My rights have been violated according to FCRA15 USC 1681 section 602 ( a ) states I right to privacy. The breach of National Public Data, Equifax credit bureau, and Dark web have exposed my personal information. I do not have contract with any of the

se above mentioned creditors, so I would like this information deleted from my Equifax credit report immediately. FCRA 15 USC 1681 section 604 ( 2 ) Also states a consumer reporting agency can not furnish an account information without my written consent and/or instructions.

Moreover, FCRA 15 USC 1681 s-2 ( a ) states a creditor 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

Every time I had different people working on my credit and paid them and it seem like that they never could get the items removed off of my credit for some reason I dont know why So basically, I need this to be investigated more more Why nothing is never removed off of my credit
Product: Credit card

I obtained a XXXX 's credit card managed by Capital One. The credit card offered 6 months payment term for purchases over a certain XXXX  amount. If the the amount is paid within 6 months, the 29.99 % interest will not be charged. XXXX has a similar program which works well and is fair. 

For one of my purchases, I agreed to paying the full amount in 6 months so there will be no interest added to the purchase. I set up a automatic payment option ( offered by XXXX 's Capital One site so the amount due or the minimum payment can be automatically deducted because if you are even one day late, they add XXXX $ late fee plus the 29.99 % interest for the purchase. 

I bank with XXXX which is a reputed bank. The autopayment option for my card was not accepted by XXXX XXXX  because the way Capital one has set their auto payment function. I am told they deduct the entire amount owed and not the minimum payment due or the amount due for that month. For example, if I have a balance of {$12000.00} on my credit card and set up automatic payment terms, Capital one will deduct XXXX from the account. So that is why XXXX does not accept Capital One automatic payment function I fee that Capital one has purposely set it up autopay so they can collect XXXX $ fees for late payment and 29.99 % interest on the 6 months program when some banks dont accept the Autopayment from XXXX XXXX For a purchase of {$1300.00} ( purchase date XX/XX/2023 they charged me XXXX $ cents. interest because the autopayment was denied by XXXX XXXX. 

When you set autopayment, if the auto payment is accepted, we the customer thinks it is in place. Please contact them and get them to refund the interest payment. I have the funds to pay the amount of XXXX $ in full.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit bureau is refusing to remove inaccurate information off my credit after being hung up on & told no.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$910.00} ; XXXXXXXX XXXX XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX Dear XXXX XXXX XXXX, I called Chase VISA fraud department the other day and they requested I send another letter to your attention regarding my matter of fraudulent charges on my Chase Visa credit card. The charges on XX/XX/XXXX were in the amount of {$42000.00}. I have been writing letters and sending them certified mail and calling to resolve this matter for over a year and to have the fraudulent charges removed from my account. I have not had any luck and have been passed around from person to person and no one saying they can do anything to assist me resolve this matter. 

Here are the facts of this matter : 1- Fraudulent charges made XX/XX/XXXX for {$42000.00} 2- On XX/XX/XXXX I was requested to send a certified letter which I did to your attention and you signed for it 3- On XX/XX/XXXX I went to Chase bank in XXXXXXXX XXXX and spoke with branch manager XXXX XXXX, who got on the phone and spoke with a Chase representative in the fraud department 4- I have been a Chase VISA card member for nearly 40 years and anytime over those 40 years if I make a large purchase for over {$4000.00} I immediately give a call from VISA and they ask if it was myself that made the purchase 5- Yet on XX/XX/XXXX a charge for {$42000.00} is made and I never received a phone call 6- I have no idea who made these charges, where it was made nor what was purchased for those charges I am looking to resolve this as it is effecting my credit score and it has been going on for over 1 year. In addition I wanted to use my credit card and need a new one issued once this matter is resolved. I thank you for your help in this matter and look forward to its resolution. If this matter can not be resolved you will leave me not choice but to report this to the FTC to have them be in contact with you to resolve this matter. 

Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit card # - XXXX
Product: Debt collection

I returned my leased XXXX five months early and leased a new one. Under rhe XXXX loyalty agreement, the dealer was to have ( and did ) make the last five payments. I was to be responsible for over mileage and tax approximately {$200.00}. 
I received a bill from XXXX for {$2000.00}. I presented it to my dealer who said it was a mistake and he would handle it. A month later, I received a bill from XXXX collection for the {$2000.00} telling me it was the differential for auction price and turning lease in early. They did not honor dealer loyalty program agreements. 
I went to my dealer who provided proof they sent check and loyalty agreement to XXXX. They would again take care of it. 
Tuesday XXXX at XXXX i received a call from XXXX collections ( XXXX ). I told her I was on vacation and did not want o be bothered. She continued to press for the {$2000.00} and threatened immediate suit. I called my dealer again. Today on XXXX I received a corrected bill for {$200.00} from XXXX. The collection agency was still threatening me over {$2000.00}. I demanded and apology, correction and the account to be removed from collection. They refused since an amount was owed despite it being {$1800.00} too high. Everyone was rude and nasty and refused to remove the matter from collection
Product: Credit reporting or other personal consumer reports

the loan was for the amount of {$7900.00}. I reached Out to the loan company. XXXX XXXX, and informed them that I did not apply for the loan. Once I told XXXX XXXX XXXX that it was not ME that took out the loan and that someone was committing fraud by using my information, the bank refused to give me any further information regarding the loan. I then received notice from the agency in charge of investigating bank fraud, who directed her to file a police report regarding the incident.I completed a signed witness statement stating I want to pursue a complaint.
Product: Vehicle loan or lease

My stepfather ( a retired XXXX veteran ) bought a new Hyundai XXXX XXXX in XXXX of XXXX. He passed away unexpectedly in XXXX of XXXX leaving behind a XXXX XXXX XXXX widow ( my mother ) which I have the XXXX XXXX XXXX for since his death. Because he purchased the car while she was in XXXX he did not put her name on it. He died XXXX so I had limited options. I spoke with Hyundai and since I did not have the money to purchase the vehicle and my mother can not drive, I voluntarily had the car repossessed. There were only about XXXX miles on the car. The paperwork that Hyundai sent said they would charge for the tow and storage and they would sell the car at auction ( in XXXX of XXXX ) and any proceeds after that would be returned. Since there was about {$7000.00} in equity I thought there would be some money left for my mother. After the sale, Hyundai sent an itemized list of fees that, surprisingly enough, was EXACTLY what was left of equity. They had no intention of giving anything back. I reached out to our local channel XXXX news representative and filed a complaint that they were taking money from a XXXX XXXX XXXX of a widow of a XXXX veteran with limited finances. In XXXX of XXXX my mother received a check from Hyundai for {$4900.00} but it was made out to the deceased. I tried to deposit it in their joint account but because I had given them a death certificate they had removed his name from the account. I called Hyundai customer service and they said they would resend the check to me at my address. I received a XXXX check but it was still made out to the deceased. After several phone calls someone from deceased accounts told me to go the courthouse and get a Summary Administration and they would send me the check in my name. I did that at a cost of {$340.00}. I sent all the information to deceased accounts in XXXX or XXXX of XXXX. I sent an email asking Hyundai if they had what they needed and they said they had everything they needed. They never sent the check. By XXXX, I knew the check that I had in XXXX XXXX name was about to expire. I thought that maybe I had everything I needed since I had the court order. I deposited the check at XXXX XXXX after 30 minutes with their law department and endorsed it as they requested. Hyuandi returned the check. At that point, I had to spend money to hire an attorney to find out why they refuse to send the check. My mother is now XXXX and I already had to move her to a smaller room because her money is depleting.
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 in 60 days 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 ma
y 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 XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed letter to transunion on XX/XX/XXXX requesting that they remove my old addresses and also to investigate an account on my credit report and send me back the validation. well, it is now XX/XX/XXXX and the only thing they did was update my address on my credit report. they did not respond with any validation for the account I requested at all. it is now well beyond 40 days. they only have 30 days according to the FCRA. it has been about double that. they are in violation of the FCRA and could face fines i also attached proof of delivery, so i know they got my letter
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was still erroneous. I've complained about this matter in my previous letter It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a discrepancy in my consumer credit report that I have noticed across the major credit reporting agencies. Recently, XXXX accounts have been successfully removed from my XXXX credit report. However, as of this writing, these same accounts have not been removed from my XXXX and Equifax reports. 

The accounts that have been removed from my XXXX report are as follows : XXXX XXXX XXXX XXXX XXXX 
Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ) XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX The accuracy and timeliness of my credit report information are of the utmost importance to me. Having inconsistent information across different credit reporting agencies can negatively impact my credit standing and any financial opportunities that may arise. I am kindly requesting that XXXX and Equifax update their records to reflect the changes made by XXXX. 

Please find attached the documentation from XXXX that confirms the removal of these three accounts from my credit report. I trust that this will assist in expediting the necessary updates.

Thank you for your immediate attention to this matter. I look forward to your confirmation once the updates have been made
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 I am reporting a fraudulent inquiries in my credit report