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

Experian, XXXX, XXXX has furnished inaccurate information, illegal inquiries, and has caused significant injury to my character, my report, and has affected my ability to extend my credit; for personal use. theyve allowed XXXX XXXX XXXX XXXX violate multiple consumer rights and privacy rights, caused injury tangible and intangible. On XX/XX/year> a debt validation letter regarding XXXX # XXXX in the amount of {$790.00}, and a statement was sent. the major XXXX reporting agencies has allowed these inaccuracies to go on unchecked, and ive had to stress myself to make sure everyone comes with clean hands and so far met with dishonor. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. they have a DUTY and OBLIGATION to maintain accuracy and privacy. Exemption : the process or state of excluding or being excluded.
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 involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX & XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e Equifax I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my score
Product: Credit reporting

This is my Son old address ( XXXX ) XXXX, HI XXXX I have never lived at this address, ever. 
Please Remove from my Trans Union Information
Product: Student loan

I have been repaying my federal student loans since 2009 and was told I earn interest everyday and none of my monthly payments go to the principal just to the daily accruing interest. I owe as much now as I did in 2009.
Product: Credit card or prepaid card

Hello. American Express ( Amex ) charged me for an XXXX transaction that happened in XX/XX/2020. XXXX essentially tried to scam me for services I did not use and I have provided Amex a XXXX page report with evidence. Instead of reviewing the evidence Amex told me regardless of the terms XXXX presents and regardless of if they violate the terms- Amex will side with XXXX or the Merchant. Multiple agents acknowledged this was unfair via chat and said that they can not get involved. I asked them why they claim to look out for customers when they can't push back on XXXX for unfair business practices and got no response. In fact, a XXXX point blank told me merchants are very important to them. 

Originally Amex left my claim open for 2 months and then closed it immediately saying I agreed to terms and conditions when I paid. I responded with - but XXXX tried to price gauge the day of service. Amex made me submit XXXX pages of evidence, did not follow up, told me it's more or less futile due to XXXX 's terms, and barely bothered to read my evidence or stand up for the consumer. If Amex believes that merchants are always right then they need to stop making false claims of any form of protection. They can't even tell me an expected resolution date other than another 2 months - if XXXX decides to respond. 

I was a paying Amex card holder and am disappointed that consumers are being mislead that Amex will protect agains subpar service, in this case harassment and being ignored during resolution with XXXX. 

When I do a XXXX search- it seems many other customers have had the same problems with both American Express and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX, AND Equifax have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I'll never live at the following addresses this is incorrect : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete the following incorrect employer : XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

Our Loan was recently transfered from XXXX to XXXX which we received notification for in XXXX, We made 2 payments to XXXX and when we went to Pay for XXXX 2016 their web site stated there was no payment due, Today I was finally able to get thru to them and they stated that they had sold the loan to BSI Financial Services, I asked when they where going to let me know and they said they send a letter, I told them I never received a letter so they looked it up and found out that they had put the wrong address on the letter, so they are resenting another letter today, I have not received anything from BSI as of yet. I am in hour XXXX on hold awaiting a customer service rep for BSI to track down some information so that I can pay on my mortgage. Do I have any rights here or will there confusion cost me more money?
Product: Credit card or prepaid card

I did receive balance transfer checks from JPMCB. 
I tried to get some information regarding the check on ; CHASE.COM/BALANCETRANSFER. 

On this site I have got some misleading steps or being tricked to apply for a new account and I have got into a situation where I did press submit button. 

I never had any intention to apply for a new credit card account. 
So, I need your help in order to talk to JPMCB to resolve this issue for removing the INQUIRY from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX allow an protect an identity thief whose use one card fraudulent linked to my social security. They ruin my credit and when I call they laugh about me and transferred the call 10 times and hang out the phone 13 more times. I do n't know what to do, I called several times to the credit card but they are hanging the phone on me, they are protecting the thief and they do n't want to recognize that they failed in the identity verification process for over 20 years. The person who is using the card is my father and they have been send the statement to his address for over 20 years. I did n't know about this situation until a Lender Company in XXXX NM run my reports and found this problem with the credit card. I asked several times where they are sending the monthly statements or who paid for the card, but the credit card company did n't want to help me and protect the thief.
Product: Credit reporting or other personal consumer reports

I have vall and mailed and showed to XXXX XXXX in XXXX XXXX told them they illegally gave my information to banks when I clearly said that only that dealership has my permission to look my information was passed around to several different banks on XXXX they gave it to, ally bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have demanded that the inquires be deleted all the banks and XXXX XXXX and XXXX all pointing fingers at each other and passing the blame and refused to delete the inquiries all have broke the congressional law 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit card

I have ( had ) a Macy 's branded American Express card that I can

use outside of Macys and as a store charge card inside of Macys. I received a notice by mail on XX/XX/XXXX that the American Express portion of the account would be closed and I would be receiving a new card which was good only at Macys by XX/XX/XXXX. This new card would be only a store charge card and not an AMEX card. 
On XX/XX/XXXX I received the new Macy 's card in the mail. This is 4 days before the date they told me the card would be received by!

My issue is that 1 ) I had NO warning of the intent to close the account. I have received similar notices from XXXX XXXX XXXX indicating I had to use their card within the next thirty days or the account would be closed. Macy 's provided NO such warning. 2 ) With the receipt of the new card 4 days before the XX/XX/XXXX date, I did not even have a chance to use the AMEX portion of the account to keep the account active. 
To me, it sounds like a foregone conclusion that they were going to close my account. This seems to be very unfair as NO advance warning was given and I had NO chance to use the card before the new card was received. For people trying to maintain a good credit record, this seems like adverse selection on the part of Macys.
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 XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumbeXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Checking or savings account

Bank of America, with the help of " XXXX XXXX XXXX '' has arbitrarily and capriciously denied me a simple bank account for my brand new company, which has no adverse credit history or anything. This is in effect an outright ban or boycott of me and my ability to have a bank account in the United States of America. Dangerous slippery slope for all, indeed. Please investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX/XXXX. This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to XXXX, Experian & XXXX XXXX. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this company.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute XXXX  XXXX account # XXXX, and XXXX XXXX account # XXXX regarding inaccurate and illegal reporting on my credit report. I have noticed that several of my charged-off credit card accounts continue to show a " past due '' balance on my credit report. These accounts were charged off by the creditor, but the past due balance remains listed, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, once an account has been charged off, it should not continue to reflect past due status, and it should not continue to reflect a credit limit. The continued reporting of past due balances for charged-off accounts is misleading and violates my rights as a consumer under federal law. 
Due to these violations, I am seeking monetary relief of {$1000.00} for each instance of this violation appearing on my credit report. I also request that the charged-off accounts with past due balances be deleted from my credit report to bring it into compliance with the law. 
I respectfully ask that the CFPB take prompt action to investigate this matter, assist in removing the incorrect entries, and ensure that such violations do not persist. 
Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 inquiry made on my credit report without my consent I am opting out of my information being furnished to any credit reporting agency without my written consent under the fair credit reporting act this is a violation for any negative information to be furnished as it is impacting my credit negatively as well being a reason why I am being denied credit this is another violation under the equal credit opportunity act
Product: Credit card or prepaid card

My card was expiring on theXXXX so I called for a replacement card on XX/XX/XXXX they sent me a card but that card did work they said they didnt no were that card came from so I ordered another card that card came also tried to ativact that one that one did not work so I ask to speak to a supervisor I told her whats going ok then she said she would get me another card so that card also came by XXXX so that didnt work thats the third card was sent out to me and didnt work I told her I havent not even paid my bills that the landlord was evict me all she said she was sorry to here that but she is the supervisor and thats all she had to say was sorry now I called again XX/XX/2021 to speak to a supervisor they told me theres no supervisor in
Product: Credit reporting or other personal consumer reports

You all closed my previous dispute and did not remove the items or do what needed to be done! I was a victim of identity theft back in XXXX  where an auto loan was taken out in my name fraudulently. After speaking with XXXX advising that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. The bankruptcy and XXXX  account along with any other items associated with the bankruptcy DO NOT BELONG TO ME and needs to removed from my credit file. XXXX has already deleted the bankruptcy and I am needing you all to follow suit and do the right thing! THE BANKRUPTCY DOES BOT BELONG TO ME! Also the XXXX XXXX XXXX account needs to be adjusted to the correct amount! The business scammed me into signing a lease that they were going to over charge me for from the beginning! I am not asking for the item to be removed but I am needing to balance to be adjusted as this is not right! This is affecting my credit tremendously and needs to be corrected! They are now offering to settle the balance for {$800.00} after trying to charge me almost {$4000.00} for a {$1000.00} bed. Please remove the bankruptcy from my file and correct the balance for the XXXX XXXX XXXX account!
Product: Money transfer, virtual currency, or money service

I ordered flowers twice from XXXX XXXX  by accident ( " '' out of screen before completing purchase, and both times still went through. ) Price comparing only... both paid via PayPal. I saw the email confirmation they went through ... .canceled both right away. I called XXXX flowers total of 4 times and spoke to a human each time. 
XXXX call XX/XX/22 XXXX pm- '' It is canceled your refund via PayPal XXXX be XXXX days. '' XXXX call XX/XX/22 XXXX am- " yes, it is canceled '' ( I was making sure it was BOTH PURCHASES canceled, the XXXX woman was non-english speaking ). 
XXXX call XX/XX/22 XXXX pm- I got an email the " orders being processed ''. Called again. This representative said " Nothing I can do, call to cancel delivery when you get the delivery email. '' I said " You are scamming me, they won't stop a delivery when it's en-route??? '' He assured that is the next step, and will stop the delivery that way. 
XXXX call XX/XX/22 XXXX am- " They can not stop delivery. '' XXXX order WAS canceled, the other was NOT. 
I did not recieve a refund from XXXX flowers. 
Paypal denied my case when I sent hard copies to customer service of proof of the XXXX phone calls to XXXX flowers. 
I was guaranteed a full refund by XXXX. 
I filed a dispute with PayPal XX/XX/22 for a refund of {$63.00}. Which ultimately they denied saying " The transaction was processed correctly. '' It was a scam. They didn't read my description of the hours I spent talking with XXXX flowers to ensure it was canceled. 
I did not get the {$63.00} I was assured of. PayPal should not stand behind fraud such as this. They should look out better for their customers- when all the information is supplied about the fraud they perpetuate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a validation from the collection agency and they did not submit any kind of validation. USPS TRACKING INFO : XXXX XXXX XXXX XXXX XXXX XXXX ( Your item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in XXXX, CA XXXX. ) The alleged debt that they say I owe has account information for the last payment made on the account being XX/XX/XXXX. The statue of limitations in the state of California for a written contract is 4 years. ( CCP 337 ) ( XXXX XXXX XXXX  XXXX XXXX   XXXX ) Currently it has been over 4 years and they are continuing to collect on a debt which makes them in violation of ( Civ. Code, 1788.14 ) ( XXXX XXXX XXXX  XXXX ) Not to mention that they are denying me a validation like I requested. California also has very strict laws in regards to what documents MUST be provided in the event of a request for validation. ( California Code, Civil Code - CIV 1788.52 ) ( XXXX XXXX XXXXXXXX ) Since they can not provide the validation they are reporting to the credit bureaus without verification and this violates a plethora of laws. ( 15 U.S.C. 1681i ( FCRA ) by repeatedly reporting inaccurate information due to this violation of federal law, I have a right to seek remedy as it has caused me damage in how I am viewed by lenders, and terms of loans received. 

More laws they have violated : Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. ( FDCPA 15 U.S.C. 1692d ) Send false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e ) Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment ( FDCPA 15 U.S.C. 1692e )
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Transuion inquiries XXXX XXXX on XX/XX/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 XX/XX/XXXX i have reached out to all these creditors also transuion a few times about this matter nothing happens the last i spoke to transuion about this i was told to put it in writing i did and they still reporting on my credit report those was fraudulent attempts and wasnt me
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX # XXXX Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>