23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Consumer Loan

Ally financial is reporting that I owe {$6600.00} to XXXX and it is reflecting my credit score and the last time it has been update was in XXXX. 

And it is still reporting as a REDEEMED REPOSESSION but i have the car in my possession
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 us code 1681b permissable purpose of consumer reports I never gave XXXX, XXXX and experian any written consent to report anything to my consumer reports, so because I did not consent that means that is fraud. 

under 15 us code 1681a ( 2 ) ( B ) talks about exclusions from a consumer report any transaction supposed to be excluded from a consumer credit report. if a credit card which is social security was used in the transaction. the accounts listed below are all in violation of of both of these FCRA laws which i have tried resolving with the consumer reporting agencies and nothing has been done after multiple attempts. Because the violations are costing me a depressive life due to bureaus not following laws they should be held liable and repsonisble for fixing it. 

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

My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXXXX 2016, I discovered that XXXX XXXX XXXX STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.
Product: Checking or savings account

I am injured and on state XXXX XXXX thru bank of America, I on XX/XX/2021 XXXX was fraudulently taken out of a branch atm, then XX/XX/2021 XXXX was fraudulently taken out, The whole time I had my card in my presence, no one has access to my account or withdraws, I reported the claim they denied it, I sent in pictured ID, police report, and a written statement, still denied
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies used the shot XXXX approach on my credit report with consenting me its damaging to my score
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found some addresses that appear to be incorrect. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have attached a letter as well as my Identification
Product: Student loan

Subject : Request for Review of Interest Charges During Forbearance Due to XXXX SAVE Pause Aidvantage charged interest to my federal student loan account, since XX/XX/year>, during the period it has been in forbearance due to ongoing court challenges related to the XXXX XXXX XXXX. 
Federal student loan borrowers were subject to a pause on payments and interest accrual during the time when the XXXX XXXX plan was paused by the courts. I understand that this pause was meant to prevent any interest from accruing or being charged during this time, similar to the relief provided during the XXXX pandemic. 
However, I have noticed that over {$1600.00} in interest has been charged to my loan since the time Aidvantage took over my servicing in XX/XX/year>, despite my loan being in forbearance. This interest accrual appears to be in violation of the provisions associated with the court-mandated pause and the federal protections intended to prevent such charges during this period.
Product: Credit card

- purchased sofa and loveseat on store. credit card. Found som accessories which was a separate purchase utilizing a debt card Since the furniture was on back order the accessories were ordered and scheduled to arrive the same time as the furniture since there was only one in stock. When I picked up the accessories I noticed the paid in full accessories were charged to my new credit card and the payment for the items was used as a payment after I brought it to their attention. This clandestine act makes the items that were paid in full an interest bearing purchase. Tried 5 times to get this fixed to no avail. They would not take the items back nor would they adjust the bill.
Product: Checking or savings account

On XX/XX/2023 I contacted Bank of America to report fraudulent use of my debit card with a consumer ( XXXX ). I was able to stop another transaction that was made fraudulently, however I was not able to stop the transaction in the amount of XXXX. 

Bank of America sent me a new debit card and I was given a temporary deposit of the money stolen. 

On XX/XX/XXXX we received a letter in the mail stating that our claim had been denied and that they would be taking the money back out of our account. Bank of America did just that and left my account negative on XX/XX/XXXX. 

Now, I feel as if my own Bank is stealing money from me and failed to protect my identity as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX
Product: Checking or savings account

I have a Smart Access checking account with PNC Bank. The account number is XXXX. 
Unfortunately, PNC, habitually refuses to follow Federal, State, and their own guidelines in handling my account. 
Approximately three weeks ago I reviewed my statement and there were multiple debits from vendors I had never heard of. 
Typically when this occurs I ask the Bank for a contact number for the vendor as it is typically more expeditious to contact the vendor directly and advise them the particular charge was unauthorized and the vendor contact the Bank. 
On this occasion I was told by PNC 's charge authorization department they were unable to notify me of any contact information regarding the multiple vendors and multiple unauthorized debits, but I would receive documentation for me to sign within 48 hours and a replacement VISA Debit card within 14 days. 
It has been over three weeks and I have received nothing from PNC and when I review my account on line there is a negative balance still reflected because of all the unauthorized transactions! This in and of itself negatively effects my credit worthiness as if I were to go to a different financial institution to open a checking account without all the chronic problems I have had with PNC, the fact that they are reporting a negative balance on unauthorized transactions which the Bank has known about for greater than 3 weeks prevents me from switching to an institution that does not chronically violate Federal and State law, and also their own written rules issued when I opened the account.
Product: Credit card

I applied for credit with CITI and was denied App # XXXX & XXXX. The reason they stated I was denied was due to information they recieved on a consumer credit report. This is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. CITI has violated my federally protected consumer rights per the codes listed below. 
1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002
Product: Credit card

Capital One continues to show this account on my credit report, I always claimed that this account was NOT mine, even so they never listened to me, well this account has already expired, it has been more than 5 years since the last transaction, plus it is an account from 2011 for more. Letters that I have sent to Capital One have not removed this report from my credit and it greatly affects me. It also says that it is in a supposed collection, which is not correct. Other thing the only Capital One Card i own is Capital One Silver and is in good Standing.
Product: Credit card

On XX/XX/2016 a timeshare was purchased from XXXX XXXX , XXXX based on false information that was provided during a verbal timeshare presentation. However, the written contract documents do not match the verbal statements that were made. I agreed to the purchase and I provided them the credit card to make the down payment and also to draft the monthly payments. I did authorize these charges, based on their verbal presentation of what I was purchasing. However, the contract documents do not match what they told me verbally and as soon as I became aware the that the terms and conditions for the usage were completely different that what I was advised, I immediately sent a letter of cancellation on XX/XX/2016. They advised my request, stating I had signed a legally binding contract and continued to charge my card. I began disputing the charges to my account and have lost a total of {$3200.00} to this timeshare scam. I can not use the product that they sold me, they have provided no services to me and wo n't let me cancel the contract and refuse to return my money. I was forced to hire an attorney and am still trying to get my money back from XXXX via my credit card provider, Citi Cards. Please be advised there is a language barrier as English is not my primary language and no one would assist me in understanding the documents and rushed me through the closing process.
Product: Credit reporting or other personal consumer reports

its reporting on my credit report as open and closed account when theyre closed
Product: Checking or savings account

I have a savings account that has been freezed by the bank because there has been no activity for 12 months. I have been trying to transfer money from my checking account, but are not allowed. 
Meanwhile, they are taking away {$5.00} monthly. I have contacted them via email and no response. I visited 2 days ago and they were supposed to give me access to my account yesterday, and I still have no access today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request that two bankruptcies be removed from my XXXX and Experian credit consumer reports. I am a real person by myself writing to you. Despite providing numerous supporting documentation and evidence that the bankruptcies are not mine and were dismissed based on what they told, XXXX and Experian have failed to remove the incorrect information from my credit report. 

In fact, I have contacted XXXX, another consumer reporting agency, regarding the bankruptcies and they have confirmed that the bankruptcies are not mine and have been removed from their report. XXXX, another consumer reporting agency, has also removed the bankruptcies from my credit report. However, XXXX and Experian continue to report the bankruptcies, even though XXXX has confirmed their inaccuracy and removed them from their report. 

Moreover, XXXX and Experian claim that they have verified the bankruptcies with public records based in last complaints and too the XXXX and their respective state, but I have personally visited the court and was informed that they did not receive any verification requests from XXXX and Experian. It is possible that XXXX and Experian used XXXX to verify the bankruptcies, which is not an appropriate method for verifying credit report information. XXXX is intended for " judicial use only, '' and not for public use or for verifying credit report information. 

I believe that XXXX and Experian are violating my consumer and privacy rights by continuing to report the incorrect bankruptcies on my credit report. Therefore, I would like to invoke the following laws to support my request for the removal of the bankruptcies : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) - This section requires consumer reporting agencies to investigate disputes within 30 days and remove any information that can not be verified.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) - This section requires consumer reporting agencies to follow " reasonable procedures '' to ensure the accuracy of the information they report. 

Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c - This section requires consumer reporting agencies to provide accurate credit reports to consumers. 

Given the evidence and documentation I have provided, and the fact that XXXX has already removed the bankruptcies from my credit report, I believe that it is clear that the bankruptcies are not mine and should be removed from my XXXX and Experian credit reports as well. It is important that the CFPB investigate XXXX and Experian 's actions to ensure that they are complying with federal law and protecting consumers ' privacy and credit rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This relates to HSBC 's Premier Credit card. I paid the credit card using the telephone service provided by the bank and then the bank froze the card ostensibly to verify that I was the one who paid. I waited hours for the call center to pick up my call over a period of days. finally, i got someone, the card was unfrozen.

I then spoke to someone in customer support who helped me make a request to transfer a balance from another credit card to the HSBC card. Minutes later the card was frozen to verify that I had made this request which is ridiculous as the employee from customer support had already verified my identity. I have been on hold with the call center for hours over a period of two days so far and no one picks up, and both my request and credit card are frozen. 

The bank takes arbitrary actions that prevent me from using the card and then there is no one to speak to rectify this.
Product: Debt collection

repeated calls to my XXXX year old mother, asking who was in charge of the financial and funeral arrangements of my deceased sisters affairs. My sister died 3 years ago and had no funeral, no insurance, and no money.. These people called at XXXX and have called XXXX times. I myself talked to a very rude man who after I told him my sister had nothing and we are n't responsible for her debts he became very rude and I proceeded to hang up on him. My sister died a very slow painful death and to call and harass my XXXX year old mother is disturbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information XXXX XXXX  Lease year XX/XX/XXXX Charge off XX/XX/XXXX Equifax lower consumer score again XX/XX/XXXX same Charge off account 6Year 1Month to date.The account information has not changed.  charge off account XX/XX/XXXX has the same meaning today XX/XX/XXXX no new information as the law states the same words charge off XX/XX/XXXX is the same word you reported new information as reason for 27 point drop.XX/XX/XXXX are you saying your reporting is wrong from XX/XX/XXXX so you up date the word to a new charge off XX/XX/XXXX first new information two weeks back 23 points the second week 4 more points 27 point same information reported as new information.
Product: Credit reporting or other personal consumer reports

Could you please delete these inquiries? I'm unaware of them, and the company acted without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with the three major credit bureaus Equifax, XXXX, and XXXX. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to the 2017 Equifax data breach. Equifax mishandled my personally identifiable information, putting me at risk for identity theft because of poor and/or non-existent security protocols. Because of this, I 've had to put fraud alerts on my accounts and am adding security freezes to my credit reports with every reporting agency. At a minimum, this data breach is costing me {$60.00} because Equifax did n't manage their data securely. If my identity is stolen the damages will exponentially increase. Equifax should be held liable for security freezing fees put in place due to this breach. Additionally, Equifax 's identity theft monitoring service is un-useable due to the binding arbitration clause, which waives my right to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XXXX XXXX, XXXX. The second page is taken from my Equifax report dated XXXX XXXX, XXXX. The third and fourth page is from XXXX dated XXXX XXXX, XXXX. The fifth is XXXX dated XXXX XXXX, XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XXXX XXXX, XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/2019 after receiving an email that the status of one of my accounts changed. I initially attempted to dispute the information online after reviewing that my XXXX  account XXXX was showing that I was 30 days late. When I clicked dispute, I received a message stating Dispute Cant Be Processed Online and to call XXXX. I called the number and informed the representative and was advised to go to Experian.comXXXX, fill out demographic/verification information, write a summary and upload my payments to the company and a dispute would be initiated immediately after completion. I completed everything and Ive checked daily and the dispute is still not initiated on my report. Ive provided all of the information to show I paid my XXXX payment on XX/XX/2019, my XXXX payment on XX/XX/2019 and my XXXX payment via two payments one in XXXX and XXXX. I wanted to make sure my payments were a month in advance. To this day, an investigation has not been initiated to eliminate this late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reaffirmed an auto loan with Wells Fargo XXXX XXXX after filling XXXX  XXXX in XX/XX/XXXX. I continued making all of the loan payments on time every month. However, Wells Fargo still removed my auto loan from my credit report and said they would report the loan again to the bureaus once it was paid off. 

I paid off the loan a year ago in XX/XX/XXXX and submitted a request to have the tradeline added back. Wells Fargo sent me a letter which states that they " asked '' the bureaus to add the tradeline back. However, that doesn't seem to be true. I've followed up several times with Wells Fargo and the three main credit bureaus. Wells Fargo tells me they reported the loan but all three main credit bureaus tell me they haven't received any communication from WF Dealer Services on my behalf. 

In XX/XX/XXXX I decided to check my XXXX report and found an old WF Dealer Service record which was missing data from XX/XX/XXXX through XX/XX/XXXX. So I submitted a dispute through XXXX on XX/XX/XXXX to have the missing months updated. Then the record disappeared entirely. I called XXXX and spoke with an agent who said Wells Fargo 's response to the dispute was to delete the record entirely. 

I'm baffled at why Wells Fargo would tell me they've tried to add the tradeline back and then also delete the only record remaining. 

I've been dealing with this issue for 11 months and I'm getting no where. I'm desperately trying to improve my credit score and I really need this loan to be reported on my credit history. 

XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX Experian = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Record was deleted by Wells Fargo on XX/XX/XXXX