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

Ive encountered serious issues with how my billing and payments have been reported, and its having a negative impact on my credit. According to TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but this hasnt happened in my case. Payments Ive made havent been properly recorded, and there are clear calculation errors in the reported balances. To make matters worse, I was not given the required XXXX notice before my payment was due. Because of this, any late payment marks on my account are invalid and should never have been reported in the first place. These mistakes not only violate federal law but also unfairly harm my credit and financial reputation.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX signed a vehicle loan with company name ( XXXX XXXX. With an amount of XXXX down on the vehicle at purchase.Car loan was with XXXX XXXX XXXX  XXXX the dealer. All payments made on time. XX/XX/year> The dealer and XXXX XXXX stop my financing and put me on a buy here pay here contract. XXXX XXXX has no derogatory payment history with this account under my name. XXXX XXXX also stated that I would be refunded a payment of {$420.00} would reimbursed to XXXX XXXX. 

XXXX XXXX instead reimbursed the XXXX XXXX & XXXX XXXX XXXX. 
Information provided on XXXX XXXX and XXXX credit report. 
Are inaccurate reporting derogatory account. All payment history was on time payment. 
I am advising that XXXX XXXX remove inaccurate reporting.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023.
Product: Credit reporting

We. File. Bankruptcy. In. 2011. All. Been. Cleared. XXXX. It 's, from. Equifax. A. Credit. Card. For. XXXX
Product: Credit card

I am filing this complaint because Bank of America refused my request for a goodwill adjustment regarding two late payments on my Bank of America Alaska XXXX credit card account. These late payments have caused my credit score to drop by nearly XXXX points, from XXXX to XXXX, which has severely impacted my ability to secure housing near a medical center where I must relocate for XXXX  treatment. 

The late payments occurred during an extraordinarily difficult time in my life. I was diagnosed with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which requires XXXX medical consultations and preparation for treatment at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX . While I had autopay systems in place, the overwhelming stress of this diagnosis caused me to unintentionally miss verifying the payments. 

I submitted a goodwill adjustment request to Bank of America explaining my unique circumstances, including my long history as a loyal customer and my previously spotless payment record. Despite this, Bank of America refused the request, claiming they can not make goodwill adjustments anymore due to regulators. They provided no further explanation or evidence of this restriction, nor did they offer an alternative resolution besides applying for another limit increase, which would be denied due to the credit score decrease from this situation. 

This refusal has created significant hardship. The drop in my credit score is preventing me from securing housing near the medical center in XXXX XXXX XXXX, where I need to undergo XXXXXXXX XXXX XXXX XXXX. Furthermore, Bank of America reduced my credit limit from {$35000.00} to {$600.00}, limiting my ability to cover living expenses during treatment. I used to take enormous pride in my outstanding credit score, and now the stress from all of this is compounding on an already unthinkable situation. 

I am asking for the CFPBs assistance in encouraging Bank of America to reconsider its position and make a goodwill adjustment by removing the two late payments from my credit report. This adjustment is critical to restoring my credit score and enabling me to find stable housing during this challenging time. 

I have attached documentation to support my complaint, including my original request to Bank of America, their refusal letter, and medical documentation confirming my diagnosis.
Product: Mortgage

Carrington Mortgage charged me bogus property inspection fees every two weeks. They also put my payments in a suspense account and charge me late fees and report late payments to the credit reporting agencies. On XXXX XXXX they mistakenly took out XXXX payments for my mortgage when I had previously called to cancel XXXX. They have put me under financial strain and caused me to be late on other bills. My auto payment is late as well as utilities and credit card payments. Please help me
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15, USC 1681. 
The accounts below have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 usc 1681 SECTION 602 A states I have a right to privacy 15 USC 1681 SECTION 604 A SECTION 4 states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681s-2A ( 1 ) A person can not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 usc 168c ( a ) ( 5 ) section states : No consumer agency may make any consumer report containing any of the following items of information, any other adverse information other than criminal records and convictions of crimes which antedates the report for more than 7 years.
Product: Credit reporting or other personal consumer reports

The following companies have violated my privacy and consent and there is no law that states any transaction needs to be reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like all inquires and all negative reporting be removed off my credit report from all consumers who falls under the release of my privacy and consent laws. i did not authorize any if these companies to negatively impact my credit credit rdport.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review on my consumer reports I noticed that the company have been reporting an fraudulent account to the consumer reporting agencies. 
If the account is still going to be reporting on my consumer report I will pursue action in federal court because they are violating 15 U.S. Code 1681s2 - 18 U.S. Code 1038 And making false statements to XXXX Thats 3 counts to each violation My signature was forged and I didnt sign contract with Chrysler capital For USC VIOLATIONS will be disclosed in federal court Chrystler capital XXXX or XXXX ID # XXXX Legal number or fax XXXX Credit dispute XXXX XXXX XXXX XXXX  Tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following Accounts : has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX late payments Current, was past due 90 days XXXX XXXX XXXX late payments Current, was past due 120 days XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX payments XXXX XXXX XXXX XXXXXXXX XXXX late payments XXXX XXXX XXXX XXXX XXXX late payments XXXXXXXX XXXX XXXXXXXX XXXX late payment XXXX XXXX XXXXXXXX XXXX XXXX late payments XXXX XXXX XXXX late payment XXXX XXXX XXXX late payments 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, 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 this account though your company claims to have verified this. 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 TransUnion, XXXX XXXX XXXX ( XXXX ), 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 XXXX 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX DOB : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} INQUIRY REMOVAL BELOW Attn : XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA . 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX on XXXX . 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX Late payments ACCOUNTS : Need removed BELOW. 

XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 XXXX XXXX with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

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

On XX/XX/2023 I submitted a dispute Report # XXXX stating that the company XXXX XXXX XXXX XXXX XXXX not have a collection agency license in XXXX XXXX XXXX  according to the XXXX XXXX XXXX XXXX and I asked for said item to be removed from my credit report. Experian never acknowledged provided proof of researched item proving that this company has a lisence to collect in my state. On XX/XX/XXXX I submitted a dispute again asking them to research and remove, they never provided proof of research and kept the account on my credit report. 

In addition I did not give Experian permission to report this XXXX XXXX XXXX XXXX account on my credit report and according to 15 USC 1681 Section 602 A I have the right to privacy. According to15 USC 5 1681 B I did not give permission or consent for this alleged debt to be reported on my account, as well as 15 USC 1681 Section 604 A Section 2 A consumer agency can not furnish an account without written instruction : which I never gave them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that I had a bankruptcy that was on my account with all three credit bureaus. I contacted the bankruptcy court and they said they never gave them that information. Then I did a dispute with all three credit bureaus and I requested based on the Fair Credit Reporting Act that they provide who is giving them this information that was in XXXX. They all basically said that XXXX XXXX was providing them with that information. Then I contacted XXXX XXXX and they did a re investigation and they said that they were unable to verify the accuracy of both bankruptcy 's. They also stated that they disputed the bankruptcy that they provided to XXXX XXXX, and TRANS UNION and they said that they have received no response. Then I sent out a letter in XXXX to all three credit bureaus demanding deletion of both bankruptcy 's and I provided the letter from XXXX XXXX verifying this. They all sent me letters back two of which they were not going to delete them because XXXX XXXX verified the bankruptcy 's. XXXX  removed the bankruptcy. In XXXX I contacted XXXX  and TRANS UNION again via phone the representative acknowledge that they had the document from XXXX XXXX and would apply the information but never did and I contacted XXXX  today and XXXX again said they see the information but does not know why it has not been removed. I contacted XXXX XXXX in XXXX and they told me that they would do another dispute on there end and 30 days later they said that none of the credit bureaus responded to the dispute.
Product: Credit reporting or other personal consumer reports

I sent in a letter around beginning of XXXX stating all XXXX credit agencies have to remove my Bankruptcy XXXX XXXX from my consumer report because the United States Bankruptcy XXXX stated they do not associate or verify information with the credit bureau so how can this Account/Information be accurate & why is it even reported on my consumer report. This is going against my rights as a Consumer. 

I have attached the letter with the United States Bankruptcy XXXX Stated they dont associate or verify for proof. 

Please see attached documents for support 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 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 card

I called customer service to obtain information about foreign exchange fees and was advised that they did n't apply to my account prior to traveling to XXXX. When foreign exchange fees appeared on my statement I called customer service again and I was advised that my card holder agreement indicated that foreign exchange fees applied to my account. When I complained about being provided misinformation on my previous call I was told that American Express provides appropriate training to their representatives, however, the cardholder agreement superceeded information that customer service representatives provided. When I initially called I was not offered a copy of my cardholder agreement and I was not advised that the cardholder agreement superceeded information that representatives provide. I was also advised that American Express did not have a customer complaint department and did not have a process to handle customer complaints.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2021, I called in and spoke with a rep from the Wells Fargo Credit Card department. She assisted me with a balance transfer from the Wells Fargo credit card to my XXXX credit card. I wanted to pay off the balance due which was {$500.00}. I gave her the number on my XXXX credit card. She said everything was completed. 
In XXXX of 2021 I received a late fee from XXXX in the amount of {$35.00}. They NEVER received the funds. 
I immediately called Wells Fargo and the next rep from the credit card department said they have no idea where those funds went, but since they literally vanished into thin air, they will be returned back onto my card within XXXX billing cycles. 
I called in several times between XXXX and XXXX and they had no record of anything being looked into. Finally, things were escalated and I receive a letter stating Wells Fargo does not give refunds, so if I want my money back I would have to contact the XXXX directly. 
I reached out to the corporate office in XXXX. They said they would look into it and on XX/XX/XXXX I received yet another email stating I needed to contact the " payee '' ( XXXX ) to get my money back. 
Everyone at Wells Fargo is ignoring the FACT I have proof XXXX never received the payment! Am I to sound like a crazy person calling XXXX and demanding funds back they simply don't have? 
The first rep made a mistake. It's her job to know the requirements for a money transfer. If something didn't look right, if they make mistakes, if it didn't fit some criteria, it is Wells Fargo 's responsibility to make it right. I made several transfers, all through reps, within the first 90 days as the card allowed... This is the only one that went awry. 
They are asking me to pay on BOTH accounts totaling {$1100.00}!! I STILL had to pay express a separate {$500.00} which I did in increments ... AND the {$500.00} to Wells Fargo for the failed transfer. 
Wells Fargo keeps sending me " proof '' on their end that they processed my request BUT I have proof XXXX never received those funds! 
This is a million/billion dollar company who isn't taking responsibility. I am a single mom who is being punished for the Wells Fargo representatives error. I was promised in XXXX of 2021 I would receive the funds back. I simply want Wells Fargo to honor what they told me. 
Thank you for your help!
Product: Credit reporting or other personal consumer reports

I am signed up with Experian for identity breach notifications. I received the attached notification. The email is my primary email ( XXXX ) which I have had for XXXX years. The other personal information in the notification is not mine. It concerns me a great deal that Experian has exposed someone elses personal information to me in a notification. It also concerns me that there was no avenue evident to me to report this issue by phone or online to Experian.