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

I have accounts that was not reported to the credit bureau that would make my credit score better. I purchase and paid off three vehicles that was not reported to the bureau and was closed without being reported. I contacted XXXX XXXX/TD Auto Finance and XXXX XXXX  to correct their records and update with all 3 credit bureaus. I am submitting supporting documents that there was an error on there part and they still to date has not corrected on the credit reporting side. I need assistance in getting this corrected. Please note the vehicle purchases were high amount well over {$70000.00} totaling the 3 together. Which paying these items off with good standing would have made my credit score much better. I need my credit report to reflect these purchase and pay off in very good standing. Attaching all 3 credit reports as proof they are not  included on my credit report.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter for the inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and UndeXXXX 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card or prepaid card

Ordered : On XX/XX/XXXX, I placed an order through Chase XXXX XXXX platform which has a partnership with XXXX ( Order Number : XXXX ). This order cost XXXX points equivalent to {$180.00} cash value and had an original shipping estimate of XXXX business days. Attached is the first correspondence I received confirming the order. 

Delayed : This order was officially delayed on XX/XX/XXXX, and a new shipping estimate of XXXX business days was provided. Attached is the second correspondence I received, regarding the delay. 

Remedy : On XXXX, I contacted the customer service line at XXXX ( XXXX ) XXXX requesting an ETA on delivery as well as more information. More details were not available other than it may take an additional XXXX weeks to ship. I then asked whether I can cancel the order and have the points refunded so I could purchase the item in person on XXXX and use the points to cover the cost once the points had been refunded. This remedy was confirmed as an acceptable alternative. I was then provided a cancellation number of XXXX and an ETA of seeing the points in my account of XXXX week. 

Issue : Following the confirmation of my cancellation during the call on XXXX, I purchased the same item on my credit card in person on XXXX. On XXXX, I received correspondence confirming my original order had shipped. I received the original order on XXXX. I now have XXXX of the same item for a total cost of {$370.00}. On XXXX, I could not get through to customer service after XXXX minutes of waiting. On XXXX, I was told by chase customer service that my order was not cancelled based on the ship date being XX/XX/XXXX, which is incorrect, and that my order was not eligible for return. 

Current State : I am now stuck with the cost of purchasing this item XXXX  due to false confirmation that my order was cancelled on XXXX. 

Complaint : The improper disclosure of information has resulted in the unintentional borrowing of debt to cover the cost of unnecessarily purchase a XXXX pair of the same item. This unintentional borrowing of debt, which was intended to be covered by the use of credit card points, carries a monthly interest payment and can accumulate over time. I believe this to be a deceptive practice where Chase is profiting off consumer impatience rather than allowing their consumers to exchange rewards points. 

Disclaimer : I appreciate the CFPBs continued focus in consumer protection, and I am willing to prepare a letter connecting the various statutory requirements to this situation if helpful.
Product: Debt collection

In 2010, XXXX attempted to collect {$200.00} for an account that was closed for 5 months. In 2010, XXXX closed the collection request accepting that it was their error because I had closed the account and yet they accidentally continued to bill me. The problem is that XXXX confirmed that this was not my fault and paid on time up to their agreement, however, West Asset Management ( XXXX collection agency ), still has me owing money. This is showing up on my credit report still as a negative item.
Product: Credit card or prepaid card

XXXX Credit card by synchrony financial. Refuses to give me my earned cash back twice! I have gone in person with my attached letter credit card that I use and my drivers license. When I spoke with XXXX and Synchrony who was beyond rude she told me that my credit card was invalid even though I use it daily and the number matches my award. She said that I had a new card mailed which I never have had. I believe this is a scam because they do it once a year and dont have the finances to pay everyone their earned cash. They told me a new card will be sent and to try again which means I have to go back to XXXX if they ever send a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX ran my credit without my consent or knowledge through Chrysler Capital to obtain a copy. I have called multiple times with reference numbers and kept being told they can not find the application unless I give them my social security number. They can not find the application they ran with the reference number they provided for the report I did not approve or had any knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make a follow up on my complaint that you closed XX/XX/XXXX. Everything wasn't addressed well. I am asking you to have US DEPT ED which is a multiple account with the same account number of XXXX opened in XX/XX/XXXX, XXXX  with an account number XXXX opened in XX/XX/XXXX, multiple account of US DEPT OF EDXXXX with the same account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number XXXX opened in XX/XX/XXXX, and an untitled account, it has no account name but its account number is XXXX opened in XX/XX/XXXX be deleted from my credit file.
Product: Credit reporting or other personal consumer reports

DO NOT SEND ME A COMPUER GENERATED LETTER OR ASKING FOR IDENTIFICATION IT WILL BE AN AUTOMATIC XXXX FEE On XX/XX/year> complaint number XXXX I requested that certain accounts be removed from my credit report that I did not authorize. On XX/XX/year> I received a letter at my mailing address that Equifax was unable to locate my credit file in their database with the identification information that I provided. I believe this to be a stall letter on their end to gain more time to investigate. On XX/XX/year> I received an email stating that my report has been updated. I do not believe that a thorough investigation was did because they claim they could not find my credit file. The alleged investigation that was did is still reporting inaccurate and incomplete information. I would like visual proof of communication to who was spoken to at these companies to verify the information. I would like their names, and title. I know for a fact I have NO contract with XXXX for them to be reporting on my behalf nor was any authorization given. All inquiries that are not attached to an open account have never conducted business with me. As far as XXXX inaccurate and incomplete information is still being reported. Please provide me with documentation of who was spoken. Equifax is continuing to defame my character and cause me physical, mental, and emotional harm by not conducting an investigation and sending me computer generated letters. I have been identified unless my report would not have been tampered with. You can't claim to not find my credit file but then go in and change it. Please do not send me anything else computer generated or asking me for identification, if so, there will be a XXXX fee that needs to be paid on top of the previous amount for not fully investigating and. Equifax is continuing to violate multiple FCRA violations. 

YOU STILL HAVE 30 DAYS FROM THE ORIGINAL DISPUTE XX/XX/year> This matter was NEVER investigated and a computer-generated letter was sent out to get more time in case time went by which is another violation per FCRA. 

Note : ONLY the consumer can give accurate information I have no written agreement for ANYTHING on MY report
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates Federal law and my rights as a consumer.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I purchased an auto from XXXX XXXX. At the time of financing they ran a unauthorized credit search to a number of finance companies. My credit report list four ( 4 ) inquiries on the same day ( XXXX XXXX ). I have asked TransUnion to remove these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

They keep reporting that I have an open child support case in New York which is false. The only child support case I had was from the state of Florida and has been closed for XXXX years. I never once had any case in New York and the case is closed not open. They are falsely reporting that account
Product: Credit reporting or other personal consumer reports

Audi rep types in wrong account number on XX/XX/XXXX when payment made on phone. 
XX/XX/XXXX rep took payment by phone after I thoroughly explained history of payment being rejected, per " my bank ' nothing posted or rejected on my checking acct. 
XX/XX/XXXX same process as XX/XX/XXXX. Audi rep assured me payment processed. Payment made XX/XX/XXXX posted XX/XX/XXXX for XXXX payment. 
XX/XX/XXXX received letter " XXXX payment late ''. Called XXXX XX/XX/29 to inquire as to why? Since my bank showed payment went through. Per Audi that payment posted to XXXX payment which was rejected. After much deliberation with rep, he took the time to look at account. Audi rep was able to find the problem, the rep on XX/XX/XXXX had typed in incorrectly the checking account number. This was Audi rep failure to listen to customer and the facts. I feel I did due diligence in communicating with Audi, however they did not take time out to ascertain why payment being " rejected '' even after me reprising of what my bank had advised
Product: Credit reporting or other personal consumer reports

According to credit reporting act 15 USC 1681 section 602a states theres a need to make sure that consumer reporting agencies demonstrate their grave responsibilities with impartiality fairness and respect for consumer right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I have the right by law to make sure my private information is not shared, which is backed by 15 USC 1681, Therefore, it states its the policy of congress that each financial institution has an affirmative and continual obligation to report the privacy of Its consumers and to protect the security and the confidentiality of those consumers non-public personal information, ( furnisher of information to credit agencies. ) Which is a financial institution under that title. 
15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer report agency may furnish a consumer report under the following circumstances and no other : according with written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) The financial institutions and the consumer reporting agencies Experian, XXXX, and XXXX XXXX does not have my consent to furnish this information and they surely never had my written consent. All and any consent to Experian, XXXX, and XXXX, ( furnish of Information to credit agencies ) whether it be written, verbal, non-verbal, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that, A financial institution does not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer XXXXay exercise that nondisclosure option, Furnisher of information to credit agencies ) Never inform me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agencies 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.

Therefore, these accounts are adverse items they are reporting again without my permission, which is against the law according to 15 USC code 1682 s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.15 U.S Code 1681c states, consumer reporting agency shall maintain reasonable procedures designed to avoid violation of Section 1681c of this title and the limit the furnishing of consumer reports to the purpose listed under Section 1681b of this title, Experian, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR states, a consumer may exercise the right to opt-out at any time.
Product: Mortgage

Caliber Home Loans has increased my Mother 's monthly mortgage payment by increasing the escrow by {$300.00} though the Home Owners insurance is at a maximum and the Property tax has not increased. This is not legal to my understanding because the escrow only includes funds for mortgage insurance and funds to pay the property tax. 

Caliber also never stated what the percentage rate increase would be, after the five years my Mother was supposed to pay {$1100.00}. My Mother has no paper work that indicates what the mortgage payment will be after the modification period ends ; Caliber Home Loans has increased my Mother 's XXXX monthly mortgage payment by increasing the escrow by {$300.00}. The monthly mortgage payment is now {$1400.00}, what will it be after the modification ends? 

Caliber home really wants to take possession of my Mother 's home ...
Product: Credit card or prepaid card

: ADVERSE ACTION DATED XX/XX/2021 Recently, I XXXX XXXX XXXX was denied an extension of credit by XXXX XXXX XXXX American Express Card. On around XX/XX/2021, I applied for Small Business Credit Card. XXXX As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S. Code 1691 ( C ) and you assume civil liability pursuant 15 U.S. Code 1692 ( K ). XXXX XXXX XXXXXXXX has violated my federally protected consumer rights : 15 U.S. Code 1642 15 U. S. Code 1681M 12 CFR 1002 Since the letter you sent me dated XX/XX/2021 is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX XXXX with Transunion on XX/XX/2021. I have not received any investigation results from Transunion in regards to this account. Transunion has violated my consumer rights. Transunion has violated 1681i ( a ) ( 1 ) ( A ) and 1681i ( 6 ) ( A ) of the FCRA.
Product: Debt collection

ALDOUS & ASSOCIATES # 1, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, UT XXXX To : The Office of Registered Agent for Aldous & Associates # 1, LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Aldous & Associates # 1, LLC, has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is absolutely impossible to speak with a person from the Experian credit reporting company. The only way one can interact with them is over the phone with a computer that is not helpful. There is no option to send an email, and when I ask to speak with an agent the computer responds " I understand you want to speak with a specialist but this is possible in limited circumstances, how can I help you today '' and starts iterating me over options which are not helpful to me. I trued to speak with a person a whole afternoon, and called a dozen times and was not able to. I suspect that someone else is using my user name with experian and I was not able to talk to anyone from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, Account # has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Debt collection

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE. IT HAS BEEN MORE THAN 60 DAYS WITH NO RESPONSE AND THEY HAVE NO DOCUMENTATION SO THEY NEED TO DELETE THIS ACCOUNT IMMEDIATELY