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

Mechanics Bank Auto Finance has ruined my reputation by reporting credit inquiries to the XXXX. I did not consent to Mechanic Bank Auto Finance reporting these inquiries. XXXX has allowed Mechanic Bank Auto Finance to report a late payment. 
how is it possible to report a late payment in a consumer credit transaction that involved a finance charge. 15 USC 1605, the finance charge is the sum of all charges In a consumer credit transaction. what is a late payment defines by law?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting multiple HARD INQUIRIES on my Experian app. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also getting denial for credit from others XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.
Product: Credit reporting or other personal consumer reports

My car loan is no longer being reported to my credit report. It was before, but is no longer there. I still have the car loan and I am still paying on the car loan. I called XXXX XXXX XXXX, that's who my loan is through. They told me they escalated to the credit bureau and someone would call me back in 3 business days. 4 business days passed, I thought maybe they were behind. I called back and they said everything looks normal on their end and they can see my car loan on my credit report. I tried to go trade my car in, the dealership told me there is not car loan on my credit report. XXXX will not call me back and Everytime I call them, they just respond with someone will be in touch or I'm sure it will be reported at the end of the month. It's going on 3 months now.
Product: Credit reporting

On XXXX/XXXX/2015 XXXX XXXX requested a hard inquiry on my credit report and this was not authorized by me, this is making it difficult for me to obtain new credit.
Product: Checking or savings account

I dont have a problem with rules and guidelines if theyre followed consistently. Cash app just kind of changes on a daily basis! One, its frustrating, two its not right. honestly Im tired of all these banks just doing whatever they want to take advantage of people.

Issue : Hotel charge, when I check out they immediately release the hold. Most banks, incidental charge goes back fairly quickly not with cash app they just let it sit there for a while so the last few times I have sent them the final receipt per their request showing that the balance was paid and to please release the other money back into my account And today I tried that and was told they are unable to do that although I followed the same procedure I did last time! Now granted I say the last few times they did it but a few times before that they gave me an issue so its sometimes they do sometimes they dont whats the procedure? well every dollar counts for me right now and I dont wan na go into all my personal stuff and what my issues are but finances are real tight right now. Im XXXX and I get XXXX once a month and times are a little frustrating and what adds to the frustration is their attitude just rude, fast and quick trying to get you off the line so they can move onto the next customer this particular time were talking about {$11.00} thats {$11.00} of gas money I can use its {$11.00} that I can use toward my granddaughter who I help raise its the principal of it! One day Its one way the next day its another Im sick of it.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about an ongoing identity theft incident that has persisted despite my efforts to rectify the situation. For the past few months, I have sent multiple letters to the XXXX credit bureausXXXX XXXXXXXX, and TransUnionwithout success. 

As of XX/XX/2020, my credit report continues to display inaccurate information stemming from identity theft. My Social Security number and driver 's license information were illegally used to open multiple unauthorized accounts in my name. Additionally, my bank ATM/Debit card was cloned or stolen, resulting in unauthorized transactions on multiple occasions. 

In response to these malicious activities, I undertook the following actions : Changing Cell Phone Number : Recognizing the severity of the identity theft, I was compelled to change my cell phone number to mitigate the risk of further unauthorized access to my personal information. 
Closing Bank Accounts : Due to the compromise of my bank ATM/Debit card, I promptly closed all my bank accounts to prevent any additional unauthorized transactions. 
Notification to IRS : I informed the Internal Revenue Service ( IRS ) about the identity theft, providing them with the necessary information to secure my tax-related documents and accounts. 
Notification to Credit Bureaus : Despite multiple letters to the credit bureaus, the inaccurate information persists on my credit report. I officially notified all credit bureaus, including XXXX, about the unauthorized accounts opened under my name. 
Notification to Authorities : I reported the identity theft to the respective authorities, filing a police case/report to document the incident. 
Request for Investigation Under Electronic Fund Transfer Act : In accordance with the Electronic Fund Transfer Act and Regulation E ( 15 U.S.C. 1693 et seq., 12 C.F.R. 205 ), I am officially notifying you of the lost or stolen ATM/Debit card and the unauthorized transactions. I request a thorough investigation, including but not limited to providing a list of unauthorized transactions. 
Submission of Identity Theft Report : Attached to this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Report, IRS Notice CP01, and the police case/report for your reference. 
Request for Removal of Inaccurate Information : I request the immediate removal of the inaccurate information resulting from the identity theft from my credit report. 
Written Confirmation : XXXX : Your claim form has been submitted successfully Your claim number is : XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Usaa website had a hiccup that reflected that the payment was acknowledged when it was not based on a technical hiccup It seems it would be helpful if they could fix the error based on the issue i had with the system since all payments outside this payment have been on time all the time it was 3 months late payments due to not beong able to notice the payment was not accepted on the summer in 2021 XXXX
Product: Credit reporting 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 : Acct. # XXXX XXXX XXXXXXXX : Acct. # XXXXXXXX XXXX XXXXXXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 theperson knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a dispute into Equifax reporting unreported/unverified information on my public record on XX/XX/XXXX  meaning that Equifax 's deadline to respond was XX/XX/XXXX  but Equifax did not respond until XX/XX/. This is a violation and as a result these items must be removed per FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX - XX/XX/XXXX  - On XXXXXXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person.
Product: Prepaid card

Hey so I was selling this wedding dress on my depop and this woman started texting me and asking me about the dress she was very convincing and I fell for it she even gave me an email that looked very similar of the email of the company I was selling my clothes XXXX  her story was that she tried buying my dress but her transaction was declined because my account wasnt activated some made up story the resolution was to send them a XXXX $ gift card so the payment would go through to my account and I fell for it because they were asking for XXXX $ more and there was no way I was gon na give anyone XXXX $ the company I bought the gift card from was vanilla visa gift card
Product: Debt collection

I thought I was paying this debt monthly through another debt agency. My mistake there. Its for a separate bill through the same XXXX. My mistake there, but I had no idea that this debt wasnt being paid until I received a court summons. I was not properly notified before hand and they sent the summons to an address I havent lived at in at least 10 years. Just very sketchy tactics. I have attached a copy of the summons, to which was sent to the wrong address, which makes the tactics all the more shady. Not sure what course of action to take here.
Product: Checking or savings account

Monies were taken out of my account from a company that I have not received any products or services. I have reached out to this company with no success. I informed BOA that this transaction was fraudulent and why. I also requested a stop payment/block for this merchant. BOA failed to do so, and additional monies continued to come out of my account causing hardship. I disputed the charge and informed BOA that I am not in receipt of any documents and the information present to them if fraudulent and that my signature has been duplicated. After 6-7 hours of speaking with individuals, nothing has been followed through, and BOA continues to allow this entity to take out funds. I was informed on two different occasions that the stop payment/ blocked has been put in place, to later find out from another rep that it was not done. I was informed that I would receive a call back, never happen. I was informed my multiple employees that my account was heavily documented, it was not. I am in a hopeless situation and BOA has allowed and continues to allow scammers to withdraw funds from my account. 

I do not have any documentation to provide as the promised email was never received and everything was completed electronically. I don't have an executed contract or any other type of documents. 

Please help as BOA had become a participate in this fraudulent activity
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I submitted for a cash back return on my credit card from Wells Fargo, their Go Far Rewards program. The check was subsequently misplaced and never cashed. After receiving a letter from Wells Fargo noticing the check had not been deposited yet I called their Go Far Rewards program where I was informed that due to their terms and conditions I would not be able to receive a new check and that they would return the outstanding {$50.00} to the bank for themselves. I spoke with both a frontline and executive customer service representative to know avail.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
Product: Credit card or prepaid card

I filed a dispute for {$150.00} on XX/XX/2022, and the Citi card company responded on XX/XX/2022, saying that the dispute was resolved and I am responsible for the amount. Citi also sent me details about what the merchant says. I found the merchant did not tell the truth ; therefore, I disagreed with the resolution, filed the dispute again, and provided the details in writing why I thought the merchant was not telling the truth. Citi promised to do another investigation on XX/XX/XXXX. However, I recently found that Citi already quietly concluded with rocket speed within three days by XX/XX/XXXX, the dispute was resolved without doing any proper investigation. Citi did not even send me an email or letter that the dispute was closed. Citi also did not explain how they came to this conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Transunion to update account information many time yet they have fail to do so. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX SOL Inquiry Date- XX/XX/XXXX And asked them to provide proof of these unknown inquiries, which they did not. 

Also this company XXXX XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX Ran my credit two times which left two hard credit inquiries on my credit. I only approved one. It is unethical for a company to be granted permission ONCE and continue inquire on a different day with out my permission. 

After being ignored by these companies I reached out to Equifax XX/XX/XXXX to have the incorrect information removed from my credit report. 
Equifax has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Equifax received on XX/XX/XXXX at XXXX. ( Tracking Number : XXXX ) It appears that my rights have been violated according to the FCRA.
Product: Student loan

I logged in to review my financial aid today on nslds. Something has seemed off with the amount of my loans for quite some time. Upon loggin in, I found that when my loans were supposed to be consolidated into one loan, they were actually consoidated into two separate loans, with amounts very close to each other, on the same date, and now I owe double what I should owe. There is no way to retrieve information the the original services or original dates or the original loans, but, based on the ones that are showing up as saything they were paid in full by consolidation, the amounts of those loans are around {$19000.00} in total.

However, I have 2 condolidated loans now that show they are around {$17000.00} EACH and a balance of around {$48000.00}.
Product: Payday loan, title loan, or personal loan

American Express made me an offer for a personal loan but there was an issue with their website sending me an email needed to authenticate myself. After several calls they authenticated me and said to look for the email to accept the offer. They sent email on Thursday but I missed it until Saturday morning at which time the offer was expired and voided. 

American Express said I had to wait for another offer. They couldnt help resolve this and withdrew the offer.
Product: Credit reporting or other personal consumer reports

Good morning! After reviewing my credit report for the past year, I noticed that there's repeat cases of late payments on an account that I have always maintained timely payments on. Consumer reporting Agencies play a vital role in accurately reporting consumer information. This information must be reported with utmost accuracy. I've always maintained my payments for the following account [ XXXX ] [ XXXX ]. I have successfully paid off two loans with them. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. if unable to provide such proof, I demand that these payments be promptly updated to their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : Unknown Account Number : XXXX and 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

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I had opened Wells Fargo XXXX Checking account on XXXX XX/XX/2022 with a cash back promotion of {$200.00}. Terms and conditions of the promotion : 1. Receive a total of {$1000.00} or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening ( the qualification period ). 
2. Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. 

I opened this account online following the right promo code. 
Called on XXXX XX/XX/2022 at XXXXXXXX XXXX.. supervisor confirmed I will get the bonus. He stated that last time I got cash back bonus on XXXX XX/XX/2022. So I am good and will be getting {$200.00} bonus. 

It's almost 90 days and I called Wells Fargo today also. After 2 transfers, talked to XXXX. I am told that they are not aware when i will be getting {$200.00} bonus. She created some case which starts with IN. Call happened at around XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

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