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

In accordance with the fair credit reporting act this list of accounts has violated my federally prote Ted consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts # XXXX LV Funding  Dated XXXX Has violated my rights 1 ) 15 USC 1681 SEC 602A.. states I have a right to privacy.

2 ) 15USC1681 SEC 604 SEC 2 states, a consumer reporting agency can not furnish a account without my written instructions.

3 ) 15 USC 1681 C ( a ) ( 5 ) 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 wich antedates the report by more than 7 years..

4 ) 15USC 1681 SEC 2 ( a ) ( 1 ) A person shall not furnish any information Relating to any consumer reporting agency if the person knows or has resealable cause to believe information not accurate.I did contact the XXXX reporting agencies and complain and they still are reporting this.
Product: Credit reporting or other personal consumer reports

Gregory funding not reporting payments or mortgage balances to credit bureau and ever time I get credit score it says lack of realistate history hurting my credit score which makes me pay higher interest rates because of lower score how is this fair credit reporting
Product: Credit reporting or other personal consumer reports

My personal information was stolen XXXX, a police report was made, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and was informed that my public records were preventing me from being approved. I have no affiliation or knowledge of these properties being placed on my credit profile. After researching I've requested account verification from listed agencies, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts to my public records without my knowledge and consent are violating 15 USC 1681. I've previous contacted these agencies : XXXX XXXX, CoreLogic, XXXX  XXXX, XXXX XXXX, and XXXX requesting that accounts from these properties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding two unauthorized hard inquiries that appeared on my Equifax credit report without my consent or knowledge. The details of the inquiries are as follows : Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXXXXXX XXXX Inquiry Date : XX/XX/year> I did not authorize these inquiries and was unaware of them until I reviewed my credit report recently. I have not applied for credit or interacted with these companies during the periods in question. These unauthorized inquiries have negatively impacted my credit score. 

In response to discovering these inquiries, I took immediate action. I filed a report with the Federal Trade Commission ( FTC ) and have contacted Equifax directly to dispute these inquiries and request their removal. I am seeking assistance in investigating how these inquiries were initiated without my permission and having them removed from my credit report. 

These inquiries have caused undue harm to my credit, and I would like this matter to be resolved promptly. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

This is not an error. I am sending my formal notice that you are in violation for reporting these inaccurate items on my credit report. My auto insurance rates are very high because of this error.
Product: Debt collection

I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency, XXXX XXXX. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account, during the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.
Product: Debt collection

A week ago a friend ( not even anyone I'm related to, nor would I ever use their information on anything I ever do ) was contacted regarding a " debt '' that I owe. I do not have any accounts in collections, nor have I been called or emailed or received a letter myself about my own so-called debt. I'm pretty sure it's a scam, but my personal information is being given to someone that isn't even related to me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion on XXXX XXXX. It is now XXXX XXXX and I still havent gotten a response. I would like Transunion to delete the disputed information off of my account or other actions will be taken.
Product: Vehicle loan or lease

Repo man came at XXXX XXXX  on XX/XX/21 to repo car. I've contacted finance company but haven't received any written statements and I've been locked out of my account online. They will sale my car on XX/XX/XXXX
Product: Credit card

Ive had issues with paying my Target Card in the past using their app and web portal. It frequently crashes as it moves between the app and a website for payments and then freezes. Additionally, the Target Card statements were going to my spam inbox ( XXXX  ) and I did not realize that. 

I thought I had made payments monthly when Im paid on the XXXX, but one apparently didnt go through most likely due to issues with their website. I also never received any sort of overdue payment notice until it had crossed 30 days. I discovered this when logging in to pay the nexts months balance and promptly made the payment. 

I have a long credit history ( XXXX  years ) including the Target card and have never missed a payment. This single late payment, which I made a good faith effort to pay and was never made aware it was overdue, is negatively impacting my credit. Ive requested that Target stop reporting this payment as late over 30 days, but received a generic response that the information is correct which is not accurate based on the information provided above. It is true that the payment did not process, but that was not my fault. There is absolutely no reason I wouldnt pay a {$30.00} bill by the due date as indicated by my credit history in general and to Target.

Im requesting the CFPB works with Target to better explain what happened and to request Target to send a correction to the 3 credit bureaus to remove the delinquent payment.

Thank you. I appreciate any help in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. XXXX XXXX charged off the account for which they recieved a tax break and did not SEND ME MY FORM 1099-C they should have sent it when they Filled the account as a canceled debt. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income. The reporting of this account as a debt is inaccurate.

Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency which is now harassing me to pay a debt that I do not owe them. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY. 

I requested original documents and procedures from XXXX, Equifax, and XXXX because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to comply with federal laws governing the handling of disputes under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. Transunion has refused to properly investigate or remove fraudulent accounts reported to FTC Identify Theft on my credit file, causing significant harm and violating my rights. 

Background : On XX/XX/XXXX, TransUnion informed me that 7 of the fraudulent accounts I reported on XX/XX/XXXX to the FTC Identity Theft as fraud accounts were " verified '' per the debt collector, despite being flagged as fraudulent. This response came after 36 days of delay, resulting in an inconclusive decision and allowing the fraudulent accounts to remain on my credit report. 

CRAs Failure to Comply : Despite my clear and lawful dispute, Transunion either failed to perform an adequate investigation or improperly verified the accounts with the original creditors/debtors without validating their legitimacy. 
This constitutes a violation of my rights under 15 U.S.C. 1681i ( a ), which requires the CRA to conduct a reasonable reinvestigation of disputed information and delete inaccurate, incomplete, or unverifiable items.

Harm Caused : The continued reporting of these fraudulent accounts is negatively impacting my credit score and financial well-being.

Additionally, I have spent considerable time and resources attempting to correct this issue, only to encounter further delays and noncompliance by Transunion.

- Laws Violated - Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Transunion failed to meet its obligation to reasonably investigate my dispute under 15 U.S.C. 1681i ( a ). 

Transunion continued to report unverifiable and fraudulent information, violating 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Transunion willful noncompliance with its obligations constitutes a violation of 15 U.S.C. 1681n, which provides for civil liability for willful violations, including damages, attorneys fees, and punitive damages.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Transunion improperly relied on a creditor or debt collectors unverified claims without ensuring the accuracy of the account, potentially facilitating abusive debt collection practices.

This constitutes a violation of 15 U.S.C. 1692k, which provides for civil liability for violations, including actual damages, statutory damages, and attorneys fees.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting ACT ACCOUNT # XXXX XXXX # XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt give them permission to share my personal information nor did I authorize them to have my information on display. They have had several security breaches as to where my information was taken and still havent compensated me for and I have yet to receive the {$8000.00} I requested from them. All the old information and incorrect information for me would need to be taken from there data systems immediately. They keep taking stuff off and putting it back on and has violated my rights
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the repeated issues I have encountered with the delayed correction of my payment records on my credit report. Despite my previous attempts to resolve these matters, I have faced ongoing difficulties which have not been satisfactorily addressed. I have submitted corrections for delayed payments on multiple occasions. Despite assurances from your team, these corrections have not been reflected in my credit report in a timely manner. This delay has adversely affected my credit score and my ability to obtain credit on favorable terms. Under the Fair Credit Reporting Act ( FCRA ), the Credit Bureuas are obligated to ensure the accuracy of the information you report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. Please help me correct the late open accounts immediately : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5900.00} ; XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2500.00} ; XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$360000.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

I am trying to solidify my loan for a home, however I recently discovered that I paid a debt through Pheonix Financial which was never taken off of my credit history. My loan advisor has told me to reach out to them about the issue, which I have done. Now it shows that I have two, identical accounts with Pheonix financial, one of which is paid off but now somehow the other is not, even though the accounts represent the same collection ( which was paid ). When I contacted Pheonix financial services about the issue they sent me a document to resolve the issue with my loan advisor, however the document was not in the proper verbiage. So I reached out to Pheonix financial for a third time to request a different verbiage on the document, which they informed me that it was not possible to do on their end. The account in question is regarding Phoenix Financial Acct : XXXX
Product: Checking or savings account

I have contacted HSBC multiple times over the course of two weeks and HSBC has - three time in a row - missed the promised response time and has failed to resolve the issue. This relates to HSBC review case number : XXXX. 

On XX/XX/year>, I made an international transfer in the amount of XXXX {$300.00} to an account in my name at XXXX XXXX XXXX. HSBC mishandled the international transfer as it was sent to XXXX XXXX XXXX instead of XXXX XXXX XXXXXXXX. This is the second time HSBC has mishandled my international transfer to XXXX XXXX XXXXXXXX - each time sending it incorrectly to XXXX XXXX XXXX. 
As published in the HSBC fee description, the international transfer service I used is fee free ( no fees on HSBC end ). 

Here the service was not delivered ( transfer not executed as requested but mishandled and returned to my account ) and yet HSBC reduced XXXX {$90.00} from the amount and returned only XXXX {$210.00} instead of the full amount of XXXX {$300.00}. 

I have asked HSBC multiple times to return the unjustly deducted fee of US {$90.00} for a service that was not delivered and mishandled by HSBC. HSBC has failed to resolve this issue despite multiple attempts between XX/XX/XXXX and XX/XX/year>. XXXX times in a row, I was promised a response that never came within the promised time frame. 

On XX/XX/year>, I advised HSBC that I would open a case with the CFPB, which I am herewith submitting.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO PREVENT FUTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Comenity bank disputing a late payment on my credit card due to hardships. I asked them to make a goodwill adjustment as my credit balance is XXXX and I am a customer in good faith. They are reluctant to work with me as I have shown good stewardship as a cardholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2014 I was told over the phone, by the representative whom assisted me, that the forbearance which was placed on my account would remove the credit reporting for the period of delinquency for the same months that it adjusted the loan. This is supported by my CBR as it shows non-reporting for XX/XX/14 ( which is 1 month in arrears meaning that the actual suppressed month was XXXX ). If XXXX was suppressed, from a call in XXXX, then the other months are eligible to be suppressed as well. As your prior resolution indicated, you must report accurate information. As shown, your company is willing and able to suppress/not report and remain in compliance with the Fair Debt Collections Practices Act.

Responsible Servicing dictates that accurate information is to be given to the customer so that they may make an educated choice as to what to do. I was inaccurately informed that the account adjustment would also remove delinquency. I may not have used the adjustment period if I had been given the accurate information. I am limited to the number of months that I am able to have alterations to my repayment of the loan. Due to this I may have taken those months and utilized a different timeframe for use. I request that you review the telephone conversation to ensure accuracy of the information given. If this conversation is not available for review or when discovered that inaccurate information was provided, please remove the months of delinquency.

Upon conclusion/ final response to this notification : REMOVE THE CREDIT DISPUTE NOTATION FROM EACH CRB AGENCY.
Product: Bank account or service

Wells Fargo Complaint Wells Fargo continually and intentionally charges my account for unnecessary and fraudulent fees. On XX/XX/2017, at XXXX my checking account had a balance of {$4.00} and I made a cash deposit of {$1100.00}. A little after 2 hours after the deposit was made, the bank intentionally put my account into a negative balance and charged my account an overdraft fees. This similar incident has happened numerous times. 
On XX/XX/2017, after requesting an explanation about the unauthorized fees, a representative at the bank XXXX XXXX XXXX was very disrespectful towards me raising her voice and screaming at me during the time of the discussion. She indicated that the bank will not reverse any fees because this is how the bank makes its money. She went as far as sending for a branch manager XXXX XXXX XXXX XXXX to speak on the bank 's behalf and he also indicated that this is the bank 's policies.
Product: Credit card

Comenity Bank took over AAA visa. They began sending me late notices without ever sending me a bill. They called me to tell me I was late as well but still never sent a bill. If they remove the negative credit report and fees I will pay them off. They are awful and non-responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

the customer service would not help about the negative inquiries reporting to my account
Product: Credit card or prepaid card

I applied for the Chase XXXX XXXX XXXX credit card on XX/XX/XXXX. On this day, there was a banner above the application that read : " Apply by XX/XX/XXXX and receive XXXX XXXX XXXX credits for each night you stay from XX/XX/XXXX to XX/XX/XXXX. '' ( see attached image ) I was approved for this card on XX/XX/XXXX. I called to confirm this benefit, as I had applied by " Apply by '' date, and the Chase representative told me that I will not receive this benefit, as I was not approved until after the deadline. 

Please note, the wording does not have a deadline for approval. It just has a deadline for applying. 

Chase confirmed with me another time on the phone that I will not be receiving this benefit for this reason. I then took the issue up with XXXX, who contacted Chase, and I received an email confirming their stance. ( see attached PDF ) I believe that they're intentionally misinterpreting the wording on their offer. I was going to use this offer with my booked XXXX stays to achieve XXXX XXXX status this year, which XXXX XXXX XXXX values at {$4900.00} ( see link below ), so I believe this is what Chase has effectively cheated me out of. 

link for value of night credits : XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a XXXX XXXX woman. I have a credit score of about 740-780. On or about XX/XX/2023, I submitted a credit card for the XXXX XXXX Citi Card. It was denied under the pretense that my credit card privileges were restricted. In response to this denial letter, I called Citi Cards to inquire about this issue. I was informed there was a closed credit card that was opened under my name and was in a negative status. I requested verification of the account so I can take legal action to address the issue and I can re-apply for the Citi card. However, my requests to address the issues were ignored by multiple representatives, often some of them mocking my manly voice. After about 10-15 calls with different reps and about 2-3 hours of trying to resolve this issue, it became clear to me that Citi was not interested in resolving this alleged account that was opened under my name. I respectfully request your assistance in addressing this situation and the potential discriminatory application of internal credit card applications.
Product: Credit reporting or other personal consumer reports

Im not able to obtain any credit report data or my scores. I have no negatives nor inquiries with your company and the last time my score generated it was at XXXX score. Please correct this immediately for i am not able to purchase my home due to YOUR COMPANYS ERROR 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than XXXX years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above