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

I've advised KOHLS of their multiple consumer violations against me and they have yet to rectify their illegal actions. I've advised KOHLS that I do not want my late payments being reported in reference to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Congress has ruled over transactions to be private as a consumer and I'm notifying KOHLS to cease all their violations and remove the late payment reporting from all 3 credit reports
Product: Checking or savings account

I opened a Discover Bank checking account on XX/XX/2021 and deposited checks within several weeks from opening. 

On XX/XX/2021 they asked me to upload documents for verification, after trying to upload those documents with errors on Discover website for every day for the next week, it finally worked and my passport and social security card was successfully uploaded. 

On XX/XX/2021 they informed me that the account was closed, no reason was provided. 

I spoke to a representative over the phone who said I will be getting a refund for the account balance within 60 days. After not receiving any refund, I called and spoke to a manager in the security department who said they will not be refunding the account balance and they did not want to give a reason for that.
Product: Debt collection

have been disputing this account since XXXX, I've even filed a complaint with you on XX/XX/2021. Since I have disputed this account, they have flagrantly violated my rights, first they took longer than the law allows to respond to a dispute. Then they changed the balance of the account! These false statements and misrepresentations constitute complete deletion from my credit report! They are reporting a heavily disputed item, which violates the FCRA. They have violated the FDCPA by taking longer than 30 days to respond back in XXXX! Now they have violated both by changing the balance! This is the worst thing to ever happen to me! Please help!
Product: Credit reporting or other personal consumer reports

n 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 Account # XXXX XXXX XXXX XXXX Account # 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 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 

Pursuant to 18 USC 8. I owe no debt. this company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

I was the victim of fraud but the court issued garnishment against my wages which has been deducted weekly from my salary and paid to the attorneys representing Bank of America, which is not applying it to my account and continues to report me late monthly and also an incorrect amount.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Bank account or service

Wells Fargo is doing the same thing that XXXX did. They are charging overdraft fees without consent. I also believe that they try to make a person have an overdraft fee on purpose just so that they can charge the overdraft fee. I go by my available balance and sometimes my available balance is n't right which causes the issues.
Product: Credit reporting

ACCOUNT FOR XXXX XXXX HAS BEEN FULLY PAID AND CLOSED SINCE XXXX 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never lived at XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting Equifax to remove the XXXX XXXX fraud alert, but to this date they have not removed it. I need them to remove the XXXX XXXX fraud alert immediately.
Product: Checking or savings account

At approximately XXXX CST on XXXX/XXXXXXXX I attempted to make an ATM withdrawal in the amount of {$200.00} with my debit card and ( correct ) pin from my USAA checking account. There was approximately {$310.00} in the account and nope ding transactions. The transaction was as declined and the receipt stated that it was unauthorized usage. Upon logging into the USAA app, my debit card was not showing and there was no notification indicating a problem. I contacted USAA via phone and was told that my account was placed under review for 24-48 hours and that I could transfer money out as long as I didnt use my card. This was useless since I needed the funds immediately as I was an hour from home and needed gas. She stated there was nothing that could be done. Upon ending this call, I received a notification via the USAA app they all outgoing transactions were disabled due to security concerns. I also had a notification to contact the security department because they were trying to get a hold of me. I contacted the security department via the phone number provided, and I was told that my account was under review due to an unknown {$200.00} suspicious transaction. I explained that was me using the atm and had the receipt. They stated that there was nothing that could be done and Id have to call when the fraud department opened at XXXX XXXX Upon ending this call, my online account was frozen. On each and every phone call, I successfully verified my identity and account. I am now stuck in my car, an hour away from home, overnight because the fraud department can freeze everything about my account in the middle of the night without any ability to rectify the concerns.
Product: Credit reporting

LEXISNEXIS is reporting incorrect information on XXXX report. They are reporting my social security number, date of birth, driver license number associated to my wife 's claim for an accident, this is causing me to have higher auto rates for the claim my wife made on XX/XX/2015. They will not correct the information.
Product: Debt collection

Credit Acceptance has been improperly reporting missed payments every month to the credit agencies which is hurting my credit horribly. 

I had a repo back in XXXX due to the pandemic I had got laid off and couldn't afford my payments anymore. They took my car and then sold it and I still owed a little over 5k. From then till now they are now stating that I owe {$11000.00} and counting as it is increasing every month which I do not know why as they have not communicated anything with me. 

I believe they are not being fair by charging me over double the original amount owed after the repossession was made and now they are not only hurting my credit but affecting my life as I an unable to apply for certain things due to this account. 

This company has repeatedly abused the rights to every customer they have or had. As you can verify they have even been sued many times for violating peoples rights and most of whom are minorities just like me. 

This is wrong, unfair, and unjust to charge someone over double of what they owe in an unjustifiably, and abusive manner.
Product: Consumer Loan

On XX/XX/2016, - a notice of direct dispute was sent to your agency with regard to the above numbered account for XXXX XXXX XXXX. Within that notice it was specifically delineated that Exeter Finance is reporting inaccurate information to all XXXX Consumer Reporting Agencies ( XXXX/XXXX/XXXX ). Particularly, the dual reporting of a single numbered account ( see above ) ; the inaccurate reporting of monthly payment amounts received by Exeter Finance ( XXXX statement-see attachment # 1 ) ; and the inaccurate 'amount owed ' from receipt of said payments. 

2. On XX/XX/2016, - Exeter Finance acknowledged " an update was required for the information reflected '' on each Consumer Reports ( Exeter Letter-Attachment # 2 ). However, upon subsequent review of Exeter Finances reporting -- XXXX different postings of the same numbered account are showing ; and the inaccurate annotation of the 'amount owed ' from receipt of payments is still present ( See trilateral report-Attachment # 3 ). 

3. To date, Exeter Finance has received payments totaling {$2900.00}, which were to be applied wholly to the principal of the original loan. The original loan amount for this numbered account is {$17000.00}. Therefore, the accurate reporting of said numbered account should be {$14000.00}. 

4. The Retail Installment Contract and Security Agreement ( Contract ), Sales Agreement Section states, " You promise to pay us the principal amount of {$17000.00} plus finance charges accruing on the unpaid balance at the rate of 26.00 % per year from the date of this Contract until paid in full. Finance charges accrue on a 365 day basis '' ( Contract-Attachment # 4 ). However, on each monthly billing report it states that the finance charge has a " daily '' accrual. This directly violates the terms of the signed contract. 

5. Title 16, Chapter 1, Subchapter F, Part 660 expressly prescribes the 'Duties of Furnishers of Information to Consumer Reporting Agencies : 660.4 ( e ) Duty of furnisher after receiving a direct dispute notice ... ( 4 ) If the investigation finds that the information was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Debt collection

The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XXXX/XXXX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.
Product: Credit reporting or other personal consumer reports

The following companies said I applied for credit and I have not and its ( fraud. ) XX/XX/scrub>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 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 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 or other personal consumer reports

[ SEE ATTACHMENT FOR DETAILS ] Dear TransUnion, I recently reviewed my credit report and was honestly frustrated and disappointed to see that you are reporting a XXXX late payment for XX/XX/XXXX on my XXXXXXXX XXXX XXXX account. This is completely inaccurate I have never been late on this account. 

To make matters worse, you are also reporting this account as XXXX or paying as agreed, while simultaneously listing it as negative with no positive payment history shown. These contradictions don't make sense, and they create confusion and harm when lenders or underwriters review my file. 

Whats especially concerning is that XXXX is reporting this same account as positive, with no missed payments from XXXX - XXXX, which supports my accurate payment history. This inconsistency has real consequences for me. Its unfair that my creditworthiness is being penalized by a reporting error, and it affects my ability to qualify for favorable terms, interest rates, and life opportunities. 

As you know, under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires you to use reasonable procedures to ensure the maximum possible accuracy of what you report.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) entitles me to dispute this kind of error and request a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a pre approval for auto loan and I applied to be pre approved and the score theyre saying I have is an almost XXXX point difference than my XXXX with all the credit bureaus. My score ranges from XXXX but the denial letter for the application has me at a FICO score of XXXX. The denial letter listed alll of the credit bureaus so Im not certain why these give false information to XXXX XXXX when determining me for a car loan. Getting a pre approval is kind of misleading as XXXX XXXX invited me. I also hv a credit card with them that Ive paid on a consistent basis. I dont know why my score is so low when they pulled my score and why Im being denied.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting.

To Whom It May Concern : I am filing a formal complaint against TransUnion for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This ongoing inaction constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of erroneous late payments on my account by TransUnion directly breaches this legal requirement. Furthermore, 15 U.S. Code 1666b mandates creditors to send periodic
statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement.

TILA Violations The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act highlights creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The continued inaccurate reporting violates this protection, unjustly affecting my financial stability.

Payment History and Errors Across Credit Bureaus TransUnions records display multiple inaccuracies in my payment history : XXXX : Incorrectly marked as 30 days late. 
XXXX : Reported as 60 days late, despite account closure with a {$0.00} balance.

Days Late - 7 Year History : TransUnion has listed 30 days late ( 2 occurrences ) and 60 days late ( 1 occurrence ), which inaccurately affects my credit rating.

Lack of Resolution Since Previous Dispute Despite submitting multiple disputes, each bureau has continued to report these errors without change, damaging my creditworthiness and violating my rights under the FCRA and TILA. The inaction on these inaccuracies has resulted in ongoing harm to my credit profile and financial stability.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus.

Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this issue is not resolved promptly, I will escalate my complaint, potentially involving legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts listed below. Ive already included this in my previous Complaint and I am including it again. XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$93.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}
Product: Mortgage

This is in regards to complaint # XXXX. The bank reached out and did some research and realized that they never had our loan endorsed by HUD. They sent a letter saying that it was never endorsed, and that they actually added {$13000.00} back in XXXX for our initial PMI downpayment. I followed up with Citizens and asked the questions below, but have not received a response, and they closed the complaint out. 

1 ) Are we going to be refunded for the monthly PMI that we paid as well? If the loan was never endorsed by HUD, why would we be paying monthly PMI payments to Citizens? Those payments are supposed to go to HUD for FHA backing, and if they are not going to HUD, why were we charged monthly for this? Ultimately, Citizens is still pocketing well over {$12000.00} from us from those monthly payments. Could we please get a full breakdown history on exactly how much we paid ( both up front and monthly, and a statement on how we can come to a resolution here? 

2 ) Why were we never notified about this refund back in XXXX? This is a pretty big error, and we were never notified about it at all. Also, since it was a pandemic and money was tight, it would have been nice to have an option to get that money back as a check rather than putting it towards the principal of the loan. If we never had to pay that to begin with, it would still be liquid for us during this time ( rather than on the back end of our loan ). 

I even told the Chairman 's Office that we did not want to be annoying and submit another complaint, but they closed the previous one out and have not responded. We would just like a true resolution here.
Product: Credit card or prepaid card

On XX/XX/2018 I attended a XXXX XXXX XXXX XXXX XXXX 3 day workshop which I paid {$2000.00} to attend. From that workshop we were offered another workshop which would work with us until we earned 100 % of our investment. I paid {$21000.00} to attend that workshop. After realizing that none of the formulas they taught in the workshop were working for me I contacted the resource office. I spoke with a resolution specialist by the name of XXXX XXXX. There was an agreement to a refund of about half of the money. She emailed me a settlement agreement and mutual release on XX/XX/2018. As I read through the agreement I did not feel right about signing the agreement because of the language used and obligations I would be forced to comply with and I would only get a partial refund so I did NOT sign the agreement. Instead, I contacted my credit card companies that i used to pay the workshop with. Chase kept the charges of {$4200.00} paid to XXXX XXXX and XXXX XXXX kept the charges of {$4700.00} and {$250.00} on my account paid to XXXX XXXX after their dispute process although there was a the settlement agreement that agrees to a refund all services paid for were not rendered.