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

XXXX XXXX " XXXX '' - this is me putting XXXX on NOTICE for incorrectly reporting information on my consumer credit report. pursuant to 15 USC 1692 ( c ) - cease and desist. account number ending XXXX for the discover it credit card. this corporation has incorrectly been reporting credit history information. This is enough grounds to bring this person to court, for defamation and for financial injury pursuant to the United States court of appeals, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . further more they could be liable for civil liability pursuant to 15 USC 1692k ( a ) ( 1 ) - any actual damage sustained by such person as a result of such failure. This case law between this missed payments and all of the times that I have disputed the information on this account have amounted to about {$34000.00} in violations between missed payments and randomly closing the account. not including the other violations that I have listed below. 
this fine begin at XXXX and is not limited to just this amount as the definition of any pursuant to XXXX XXXX XXXX is unrestricted. furthermore, XXXX has revinsteagted this matter a series of times, and has apparently validated the debt without ever disclosing WHO the flesh and blood human being is that validated the debt is and without ever provision through public and private GAAP ( generally accepted accounting principles ) for the account in question which Is also a violation that carries civili liabilities with it. pursuant to 15 USC 1692k ( a ) ( 1 ), FCRA 623, and XXXX XXXX XXXX XXXX US court of appeals for the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Filed ( XXXX XXXX. XXXX ) I dont not wish to see a packet of statements unless you wish to see those same statements being used as evidence on my complaint! thank you!
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus ( Experian, XXXX and XXXX ) have reported a XXXX XXXX bankruptcy on my credit report as a result of identity theft. I did not file bankruptcy. Also, the name on the bankruptcy does not match my full legal name : XXXX XXXX XXXX XXXX.
Product: Bank account or service

On XXXX/XXXX/2016 my debit card was used fraudulently to purchase XXXX dollars worth of t-shirts from a company called XXXX.online. I notified Netspend, the company who issued the debit card, on XXXX/XXXX/2016 of the fraudulent charges. I filed a police report with the XXXX Police department. Police report number XXXX. The detective was able to determine that other people had their debit cards used fraudulently to purchase items from XXXXonline. Netspend performed an investigation and determined that I am responsible for these charges. This is completely unacceptable and unethical. Per the Electronic Fund Transfer Act, if I report these unauthorized fraudulent charges within 60 days, the most I could be held responsible for is XXXX dollars. Even XXXX dollars is questionable per the FTC which states, " if someone makes unauthorized charges with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent my driver 's license to TransUnion because they sent a card to me with another person 's middle name on it, which is not mine. 
A XX/XX/XXXX TransUnion Credit report arrived and there an address of which I never lived at. 

I believe the XXXX XXXX dad is deceased, as I saw the obituary. 
Obituaries on XX/XX/XXXX | XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, HI XXXX. 

Twice, I was plagued by this mix up, as when I was XXXX, the police had a warrant to arrest me for child abandonment. Also his wife visited my wife, to show us their kids, that we never had. 
Later, I found out that he lived a few blocks away and that my paycheck went into his account and our dentist and credit union were the same. 

There is a seven year difference and when my wife looks for the wife of the XXXX  dad, she sees that somehow she is added to the family of the XXXX  dad 's wife.
Product: Credit reporting or other personal consumer reports

I hereby request that Equifax, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), immediately block the information on my credit report that is the result of identity theft and fraud. As mandated by law, Equifax is required to block this information within four ( 4 ) business days of receiving my request.

Despite multiple attempts to resolve this issue with Equifax, I have yet to receive any investigation results. This lack of response and failure to take appropriate action is a clear violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable investigation and provide the results within 30 days.

While other credit bureaus have promptly removed these fraudulent accounts upon request ( see attached documentation for proof ), Equifax continues to report this inaccurate and damaging information, which should have been permanently blocked and removed under FCRA 605B ( 15 U.S.C. 1681c-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has re added XXXX back to my account when it was removed. It is illegal to re add an item after it has been removed. I took screen shots of this and will provide if needed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person I am a living human being ; I have rights under 15 USC 1681. 


XXXX is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts the accounts listed below be removed because. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXXXXXX Inquiry : XX/XX/XXXX Auto Financing Institution Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to remove erroneous bankruptcy despite XXXX removing the information.
Product: Debt collection

They call all day!! Multiple times a day at times and sometimes back to back. They use different numbers to call during the week, with local area codes, but all numbers come up as CBE Group. 

I spoke to someone there and told them to remove me from the list and they still keep trying to call me. I have to constantly be disturbed during work hours and at home due to how often they call. 

They just keep telling me that they took over a debt and I needed to pay them. No amounts, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : Received a letter in mail from XXXX indicating that I requested service from them and they pulled a credit score from Equifax. My score was apparently obtained on XX/XX/XXXX ** No one in our household has ever applied for XXXX. 

With the current chaos at Equifax due to the massive hack, I am unable to obtain my credit report from them. 

Simple web-search indicates that XXXX-Equifax-Unauthorized-Credit-Inquiry has been a persistent problem over many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are unauthorized I want them blocked and deleted from my consumer report immediately XXXX XXXX Inquiry from XX/XX/XXXX XXXX Card Inquiry from XX/XX/XXXX XXXX Card Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Card Inquiry from XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data breach, which resulted in my identity being stolen and used to create a fraudulent account. I disputed this account through TransUnion and submitted the required documentation, including an FTC Identity Theft Report. While the credit bureau removed the account linked to the collection account, they have failed to remove the collection account itself. Despite both accounts being disputed simultaneously using the same FTC report, TransUnion is now claiming the report does not meet the criteria to remove the collection account. Furthermore, the dispute has remained open for over 30 days without any documentation from the creditor verifying the account 's accuracy. TransUnion has even reopened the dispute beyond the XXXX day period, still with no communication from the creditor. Also, without the removal of the account. As a consumer, I have the right to request the removal of this account after the dispute was opened for 30 days with no validation of the debt from the creditor.
Product: Vehicle loan or lease

On XX/XX/2023, I contacted Bridgecrest ( my auto loan company ) about the exorbitant interest rate of 22.391 % that they are charging me. I asked for them to adjust my rate as it is hard for me to manage and that the rate is technically consumer usury. They responded by saying that " I signed the contract and that they can't do anything other than recommend that i contact a third party to refinance ''.
Product: Mortgage

signed forms to lock in mortgage rate, then signed all formal contract forms for the mortgage with Low VA Rates, LLC, then told there is no longer any company to fund the mortgage due to rates have changed. I feel Low VA Rates should fund the mortgage until they can find a buyer for the mortgage as I do have a contract with them. I get to change my mind in 3 days of not accepting this loan but it has been greater than 3 days and I can find nothing in contract stating they can get out of the locked rate. They are proposing a higher rate mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted XXXX several times to get these unknown credit inquires from my report because they are not accurate. I have been really nice to them explaining what happened and they were not willing to listen to me. I have explained to them that none of these companies have a credit application on file for me. My contact number is XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I asked the agent for any help with making payments because my income changes week to week and it is down right now. I was told " you took the loan, you owe the money. '' I told the agent, I understand that, I am asking for just a little bit of help here. She responded, " you can defer one payment per loan. Would you like that link? '' in a very snarky manner. I was so offended I ended the conversation. This company has already taken payments from me, but somehow my payoff amount is higher than the amount I borrowed?
Product: Credit card or prepaid card

See attatched USAA XX/XX/2019 STATEMENT ( OTHER CREDITS {$2.00}, XXXX ) Summary Account Activity KINDLY NOTE TOTAL CREDITS ( APPLIED ONLY {$910.00}. ) USAA REVERSED {$2.00}, XXXX as ** New Purchases I did Not Authorize and that ARE NOT NEW PURCHASES. NOT TRUTH LENDING. USAA DID NOT APPLY TEMPORARY CREDITS ( USAA REVERSED ONLY CREDITS APPLIED WHICH ARE MERCHANTS CREDITS ) XXXX XXXX CREDITS REVERSED XX/XX/XXXX *NO USAA TEMPORARY PURCHASE ADJUSTMENTS EVER APPLIED AND WHAT DID APPLY FROM MERCHANTS WAS REVERSED. KINDLY NOTE Summary of Account CLAIMS {$2.00}, XXXX NEW PURCHASES I DID NOT PURCHASE OR AUTHORIZE.
Product: Mortgage

On XX/XX/2022 my attorney 's office submitted complaint number XXXX on my behalf with a concern about missing payments. My lender responded by stating they will not answer to a third party and gave no indication of where my payments went. I am now filing on my own behalf to get an answer. My lender is not being transparent and I believe is not following Fair Debt Collection Practices, The Truth in Lending Act or the Coronavirus Aid, Recovery and Economic Stability act. I am asking the CFPB to locate my payments and help me get credit for payments made. Also, in their response they gave a phone number to get more information. I called and spoke to XXXX who refused to give any identification and told me to send another email to XXXX. I have already sent an email and received an automated message that I was not in their email list and could not send the email Thank you.
Product: Debt collection

XXXX XXXX / XXXX / {$260.00} XXXX XXXX / XXXX / {$440.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I have disputed this same problem several times with this company Experian, with no success and most recently, lies and fraud. I have a closed account with XXXX XXXX XXXX. Account # XXXX. Experian is showing several late payments that are simply not accurate. I have spoken with XXXX and they have explained to me that NOBODY from Experian has ever contacted them for proof by phone or mail. As they are also aware of the mistake and have told me as much. However Experian has fraudulently explained to me on several occasions they have investigated this matter. They have not. They are required by LAW to do so. I'm an American citizen with rights that they are violating. Experian the company, has a laundry list of law suits regarding similar issues with consumers. Most recently settling a multi million dollar lawsuit last year. If this is not corrected, they will have another one. Experian is stating I was late 30 days on XXXX and XXXX of 2023 on this account. I was NOT late on those months. The prior months? Yes. But I was caught up and current for XXXX and XXXX before selling the vehicle. I have called 3 times and spoke with them with false promises given to me of calling me back from a ( different department ) that handles these issues. NEVER have they called back. They then promised to send the actual proof they got from XXXX. They DID NOT do so. They sent me a copy of my credit report only and said thanks. Literally no proof of me being late at all. This is illegal, simply put. I want this corrected on my report or they need to send me the proof they have from XXXX, of which there is none. Thank you.
Product: Credit reporting or other personal consumer reports

I am respectfully filing a Retaliation and Discrimination Federal Complaint against XXXX XXXX  Credit Card Bank who has filed a Law Suit against me at the XXXX XXXX XXXX XXXX XXXX. Case # XXXX. I personally attended the court hearing today at XXXX XXXX  at Civil Commissioner Courtroom H, Department XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX was present as she was subbing in for Honorable XXXX XXXX. XXXX XXXX said the next step is XXXX. Attorney XXXX XXXX of XXXX and XXXX XXXX Firm was present via Zoom and gave the name and number of the lawyer attending this case. The name is XXXX XXXX at XXXX. The firm requested me to remove the " Do Not Contact Number. '' I never implemented a " Do Not Call Number '' I have respectfully has stated to be contacted by email of my respectful preference. 
XXXX XXXX  Credit Card debt total debit is {$8100.00}. I am respectfully requesting a Debt Validation and settlement between {$45.00} to {$50.00} a month as it's my affordability. 

Why is XXXX XXXX  Credit Card forced a lawsuit against me and use their Law Firm to Retaliate and Discriminate against me, because of my XXXX XXXX as a XXXXXXXX XXXX XXXX XXXX XXXX.? 
XXXX XXXX  Credit Card Administration file a lawsuit against me, because I file various Federal Complaints with Consumer Finance Protection Bureau with Cases Submitted on XXXX XXXX with Cases # XXXX and # XXXX on XXXX XXXX. 
I am respectfully requesting this Retaliation and Discrimination Complaints against XXXX Bank Credit Card be filed with XXXX Department of Justice immediately. 
XXXX Very Urgent Matters! 


Notice : XXXX Credit Card Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has sent me a recent email stating that he is conducting a investigation on the Debt issues and lawsuit. 
Respectfully, Mr.Chris H investigations will be in the best XXXX XXXX XXXX XXXX Credit Card Bank and not in my favor. 
His email : XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 XXXX. 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 XXXX 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 XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Vehicle loan or lease

Hello a refund for over payment started on XX/XX/2022. I was advised process takes 4 to 6 weeks max. We are in week 8 in this process. Where my refund is not being issued. Hyundai Motor finance shows 15 days to complete and then I was verbally advised. The 4 to 6 week span which still has not been meet. I have been proactive in calling for updates and I am advised its escalated. Then I would have a call back in regard which I have not been called back. To resolve my concern in regard to Hyundai issuing my refund. I dont know what to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

APPLIED FOR AN AMERICAN EXPRESS BUSINMESS CREDIT CARD. DENAIL WAS BASED ON XXXX SCORE AND A TAX LIEN, INFORMATION SUPPLIED BY XXXX.
Product: Checking or savings account

Several on going problems with the PNC banl rather than put my health in any way at risk by formal or whatever type of complaints would rather speak with corporate pnc customer service than immediately over assume the situation that the bank stole my money or had fraudulent workers misrepresenting the bank which has resulted in thousands of dollars of potential unrecoverable or payable total loss financially and put mt health at risk when corporate may be able to fix once they look internally about bank representatives pretending to represent pnc and mislead me to gain account information and access which has been reported to pnc bank.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I received a letter dated XX/XX/2024. Stating that Ally would notify the consumer credit reporting agencies. I contacted the Consumer Fraud department/team at XXXX. I spoke with an agent in the legal department and requested my opt-out disclosure so that my non-public information could be shared with a third party. Agent hung up the phone. Complete conversation recorded.

Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.