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

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit card

I received an email from Apple inviting me to apply for their Apple Card. After reading the email, I was intrigued because it mentioned that I would earn 3 % cash back on everyday purchases. However, I wanted to clarify if there was a catch to this cash back percentage. The email didnt specify that the 3 % applies only to Apple products and specific stores, or that the 2 % applies to all other purchases made using the card through Apple Pay. I applied on XX/XX/year> for this apply card by Goldman Sachs. This information was only provided after I had already applied for the card. The emails verbiage is misleading and false. I find it hard to believe that such misleading information could be approved for use in an email to a high-value client like Apple.

I would like to file a formal complaint about this card and request that Apple & Goldman Sachs legal team review and amend the verbiage in future emails related to your Apple Card campaign. Additionally, I want to ensure that I receive the 3 % cash back as advertised in my original email. If I had known how the 3 % was broken down, I would never have applied for this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started working on my credit report in XXXX 2017 and sent updates to each bureau and I seen XXXX XXXX, XXXX, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to XXXX.
Product: Debt collection

On XXXX XXXX-2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXX claims that I am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX if this matter is not immediately by deleting this unverified debt from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX. I filed a dispute on an account, XXXX XXXX XXXX who bought the debt from XXXX XXXX XXXX, that I paid off on my credit report for an account that is at a XXXX balance on my report on XX/XX/XXXX. On XX/XX/XXXX the account was removed and immediately reapplied to my account under derogatory remarks which dropped my score 31 points. Then on XX/XX/XXXX the account was once again removed then reapplied to my account dropping my score down another 79 points. Now the account sits in me derogatory accounts keeping my score low with a {$0.00} balance. I have called them multiple times to ask why the account has been removed and reapplied lowering my score more and more each time but they fail to give me an answer each time. I ask why it wasnt just left alone until the dispute was finished and again they fail to answer my questions and to fix the problem. They finished the dispute XX/XX/XXXX and I tried calling again after the dispute was finished to ask why it kept being removed and reapplied, or why it is still in my derogatory section and they still could not give me an answer nor were they willing to look into it and fix it. I have been trying really hard to fix my credit score but equifax has done this on multiple occasions where they remove an account and reapply it to lower my score.
Product: Consumer Loan

I have been told that NCB Management Services , Inc has filed a law suit against me in court for about 4 thousand dollars. I do not know who NCB Management Services , Inc. is, I have not ever signed anything with them and do not owe them money. I am receiving letters from attorney 's wanting me to file bankruptcy. I do not know who this company is or why they are dragging me to court. NCB Management has no records of my signature with them for any product or service. I did return a car to XXXX but the car was in good working order and it was not a repo. I returned the car because they and the dealership promised me If I paid on the car for a year I could turn the car in and get another car. I did not want or like the car I was sold. I tried to trade the car in 14 times and was turned down everytime. When I turned the car in it was valued at XXXX and the amount owed was XXXX. I do not know where they come up with me owing them for XXXX dollars to a company I have never heard of. I believe they are trying to collect fees and interest on money they did not loan or have the right to collect ; and I do not owe.
Product: Mortgage

I have submitted a complete loan modification application to PHH and PHH is still conducting a trustee sale ( XX/XX/2019 ) which is against California Homeowners Bill of Right - California Civil Code laws
Product: Credit reporting, credit repair services, or other personal consumer reports

BBT XXXX pulled my credit 3 times without authorization for 2 of them. Only applied one time. I got back to them but they don't want to fellow up. 

XXXX XXXX pulled my credit without any authorisation I don't even apply any of their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX  failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a Sears store card. I got the card and I used it several times while I was in the store. I then received a call from Sears extended warranty service, and, like many others, I extended my warranty for the washer and drier paying with the Sears card over the phone. 
All is well. I got the bill and I paid it using the online banking. Next month, I received another statement that the bill was not paid. I checked the statements, and I found out that I also have a Sears Master Card for which I did not apply. I had paid the Sears store card, but the last charge was on my MC. I called customer service and complained. They said : Did n't you receive a letter to opt out? What letter, I answered. Customer service : We send letters to inform customers with Sears store cards that they are upgraded to a Sears MC. They can opt out. I do not remember receiving such correspondence. Even if one receives such thing, who would pay attention to the process of opting out to something you did not want in the first place? 
Finally, at my request, customer service canceled the MC and I kept the Sears card, the product that I wanted in the first place.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no nonf of the alleged Debt nor therefore any such debt in fact exists.
Product: Credit reporting

I have disputed incorrect information on my credit report with Experian Credit Bureau and they will not change the reporting history on my account. I have submitted documentation to support my dispute, but they still will not change the history on the XXXX account.
Product: Student loan

First off they are late or super slow to get info out. I just got a notification saying my loans don't need to be paid back in XXXX That update wasn't on my account before or even yesterday. I made a payment on XXXX which they had troubled accepting. I got an e-mail saying that they had resumed and I owed in XXXX That got to me in XXXX funny how when they need money they sent out the info in a timely manner but when its us not having to pay we get no notification until XXXX  days after it ended? 
If you have a question you have to call because its a XX/XX/XXXX shot that they won't even answer your online questions. I have stuff years ago they never have answered to this day. 
I am part of the PSLF and they refuse to get my account correct. I certified my employment every year from XX/XX/XXXX to current. I am having to fight with them to update the qualifying payments. They corrected XXXX which it took XXXX  years and me bugging them to actually certify. Now for some reason XXXX has been backed out ( wasnt that was before the XXXX " fix '' ). 
I have qualifying payments from a previous employer and they were not on the list for qualifying employers but I could have them look in them if they should be on that list. I haven't heard anything and if they did certify that employer I would be close to being able to close out my loan, which I don't believe that is a coincidence.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WITH XXXX CARD APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Checking or savings account

I opened an account with HSBC on XXXX XXXX I moved all my payments to go into that account I had a payment that was due to go into the account on XX/XX/XXXX for XXXX and XXXX both payments have not gone into the account as the imitations team have put a hold or block on the account I have been to the branch 3 times and provided XXXX XXXX statement and proof of adress they have on there system currently I have phoned on multiple occasions also as I need the money to pay rent ( now overdue and bills also over due ) and for food my partner is XXXX and so is my daughter who are both vulnerable the bank have encashed the payment and told me to wait 3-4 weeks for the check and then the money would be credited to the account how ever I asked for the payment to be bounced back to sender so I can be paid a different way which they refused and want to hold onto the money for 3-4 weeks which is illegal. I had a 20 payment from a family member sent to the account but that bounced back as no money can be credited or debited to the account at this current time due to the hold how ever they did not return the money in question and think they can hold onto it leaving me without any food for me and my young family and no money to live or pay bills and rent they dont care and people in branch also didnt seem to care either.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

US Bank in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX  LOCKED my XXXX Pension Plan. XXXX  Electronic Deposit XXXX Pension Plan {$2500.00}.
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Please investigate as the sane " HOLD PATTERN '' has developed involving our Bank account and our daughters separate Bank account ( XXXX XXXX ) at the US Bank in XXXX XXXX Wi.
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Problem : We treated our family to Dinner at XXXX XXXX my Visa Card and My Wife 's Visa Card were DECLINED! We called the US Bank Main Headquarters and they said that they could n't HELP us at that time ... needless to say we were embarrassed while waiters, waitresses circled us and customers ogled us until we figured out a way to pay the bill in cash!!.
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We talked to the US Bank Manager on XXXX XXXX ... she said something to the effect, " it was on hold for a short time like ... no big deal '' [ A very SUPERIOR acting Person and Arrogant at the same time ] It is a Big Deal ... We trust the Bank to be professional when we trust them with our hard earned money ... we do n't trust US Bank anymore!! USB needs a better training training program on handling money and interacting with customers!! ... FINANCIAL MISTAKES are unacceptable.
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It makes me wonder if US Bank is a little short on cash??
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My wife and I are both XXXX and Elderly ... now we 'll have to travel an extra 20 Miles to do business at a more friendly US Bank .... is this, " Financial Elder Abuse or Racial Abuse ''.??
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Strike out racial abuse from comment. I was very upset at the time and didnt mean to say that.
Product: Credit reporting or other personal consumer reports

I requested that XXXX, XXXX, and Equifax reinvestigate the following accounts : XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, and XXXX  XXXX XXXX original creditor : XXXX XXXX XXXX # XXXX. 

However, they have stated that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to XXXX XXXX XXXX ( XXXX ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the following sections of the Fair Credit Reporting Act ( FCRA ) in your rewording : 15 U.S.C. 1681 section 602 A. This section states that you have the right to privacy, including the right to have accurate information in your credit report.

15 U.S.C. 1681 Section 604 A Section 2. This section states that a consumer reporting agency can not furnish a credit report without your written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section. This section states that a consumer reporting agency can not make a consumer report containing any information that is more than seven years old, with some exceptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, XXXX is NOT the original servicer of XXXX Account # XXXX, Account # XXXX AND Account # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

XXXX has also failed to properly secure and safeguard personally identifiable information for more than XXXX XXXX borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from XXXX ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the following XXXX Accounts : Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

Hard pull on Experian XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Inquiried on : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. Experian, XXXX, and XXXX  are reporting accounts that are not mine and are allowing these collection agencies report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and Trans Union and XXXX all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX  XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit card

My son on my behalf submitted this complaint on XX/XX/scrub>XXXX XXXX XXXX XXXX The company responded that since he was not authorized to receive my financial information, they would not respond. Accordingly, I am resubmitting the complaint. 

Unauthorized charges from XXXX started appearing on my Truist World MasterCard Rewards Credit card ( XXXX XXXX ) on XX/XX/year>. The purchases were in the amounts of {$500.00}, {$500.00} and {$450.00}. Fraudulent XXXX transactions then continued until XX/XX/year>. During this period, there were 80 such transactions, mostly e-gift cards. The total amount of unauthorized transactions was {$28000.00}. To date, I have been unsuccessful in disputing or appealing Truist 's determinations that these charges were not fraudulent or unauthorized, nor have I received a response to my request for copies of the evidence and documentations relied upon for their determinations. Please see attached notarized affidavit, exhibits and email requesting reconsideration. Also I want the company to send me the full credit card number for an FBI report for identity theft.
Product: Mortgage

I was on a forbearance plan and it ended in XXXX of 2021. We selected a XXXX XXXX agreement to take care of our mortgage. We received all the paperwork and submitted the paperwork to the mortgage company in XXXX. We were sent paperwork saying our first payment was being held because there was a discrepancy. I called several time to Us Bank and was told they would escalate the case and i would receive a call back. I never received anything until i would call back. This continued until XX/XX/XXXX when i spoke with XXXX XXXX. She informed me i didn't Qualify for the loan modification i was sent. Then she corrected herself to say Us Bank Accidentally Signed me up for a XXXX XXXX modification rate and they made a error. My payment should be {$860.00} and not {$900.00}. She informed me she would escalate this matter to her supervisor that would be required to call me back within 15 days. Once again no one called me back so i called back i believe on XXXX After 4 1/2 hours i was told it takes a while to get these to underwriters and corrected and i should call back on XXXX to see if it could be corrected. Same ol same ol. No one can figure out what it will take to correct this problem. on XXXX I spoke with a agent that had her manager XXXX return a call and he said That the loan has just been in limbo. He was sending it to I believe their CAD department.