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

I do not consent to e-Oscar or any means of automated verification!. Numerous federal laws are being violated which in turn is causing me to not be able to seek new lines of credit. According 15 U.S. Code 1605- Finance Charge Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. 
( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for Chrysler Capital, it was paid off at that moment. 
Additionally, Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I do not consent to e-Oscar or any means of automated verification!

I demand ANY AND ALL late payment ( s ) be removed from the following account immediately. 
- XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ENHANCED RECOVERY CO L. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card

Us Bank XXXXXXXX XXXX XXXX Credit inquiries not mine
Product: Credit card or prepaid card

In XX/XX/2018 charges were made in my cars that were not authorized. The charges add up to roughly 5000 dollars. I disputed these charges in the past
Product: Consumer Loan

I leased a Mercedes-Benz C300 vehicle from Mercedes-Benz of XXXX, XXXX, in XXXX XXXX. At the same time, I returned my prior leased Mercedes-Benz C300 vehicle ( a XXXX model ) to the dealership. The XXXX car was registered in XXXX and, accordingly, bore XXXX license plates. ( I moved from XXXX to XXXX just a few weeks before starting the new lease ). The sales consultant with whom I worked assured me that the license plates on the XXXX car would be dealt with appropriately when I returned the vehicle to the Mercedes-Benz dealership. 
However, several months ago, I received a bill from Mercedes-Benz Financial Services for nearly {$900.00} in taxes owed to XXXX XXXX, XXXX, because the XXXX DMV never received the plates. I have called and emailed the dealership repeatedly since that time to attempt to figure out where the plates are so that they can be returned to Connecticut, to no avail. I believe that Mercedes-Benz Financial Services has also attempted to contact the dealership. Mercedes-Benz Financial Services claims that I owe them for the {$900.00} they spent on the XXXX XXXX tax, even though I no longer lived in XXXX when the tax was assessed, the car should not have continued to be registered in XXXX, and Mercedes-Benz Financial Services should therefore never have paid the tax bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair vredit reporting act XXXX Account # XXXX, has volited my rights.

15 USC 1681 section 602 states i have right to privacy 15 USC 1681 Section 604 A section 2 : it also states consumer reporting agency can not furnish a account with my written instructions.

15USC 1668B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX XXXX XXXX XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX XXXX XXXX XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX XXXX XXXX account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate XXXX late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX 60 days late, XXXX 30 days late, XXXX 90 days late, XXXX 60 days late, XXXX 30 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 60 days late, XXXX 60 days late, XXXX 90 days late, XXXX  60 days late, XXXX 120 days late, XXXX 90 days late, XXXX  60 days late On Experian ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX  60 days late, XXXX 30 days late, XXXX  90 days late, XXXX 60 days late, XXXX 30 days late Please investigate if every piece of information is correct on the reported late payment history. 
I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Product: Debt collection

In XXXX, a capital one account was created by one of my  financial assistances. I didnt find out about it until XXXX, when she got fired for identity theft. I tried to remove the credit card from my credit for 2 years now but capital one said all the information match to me. So Im stuck paying for the debt.
Product: Debt collection

I sent letters asking companies to verify debt its been 4 months no verification letters
Product: Credit reporting

All of the hard credit inquiries were verified in writing to Equifax as " not factual '' and they submitted a letter to have them removed ( to Equifax ) or did not respond to the inquiry from Equifax ( which will also result in removal ). Even after this Equifax will not remove them. 
Equifax 's system is " automated '' meaning no one is actually making inquiries to the validity of the records in disputed item! 
This is just criminal!
Product: Debt collection

Today my credit report is showing this account that Im reporting to be deleted and blocked and it is affecting my financial credibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am sending this complaint to address an inaccurate negative remark on my TransUnion report. As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is stating that I was 30 days late while It is clear that the status of the account is " current '' not " 30 Days Late ''. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX. XXXX XXXX XXXX {$340.00}
Product: Checking or savings account

Where do I begin? I opened a new Wells Fargo Account, which I thought it was, but it ended being that I still had my old account open, which I didnt know and after I left the bank, I noticed that all the banker did was edit all of my profile information including my identity information. When I inquired as to what was changed, they just dismissed me, over and over. I can never login to the website or use the mobile app like its intended because my password seems to somehow get changed or I lose access to the mobile number, and Im told that my XXXX XXXX  number cant be used.I have been a member since XXXX which is what my debit card says, although in reality I have been doing business with Wells Fargo since XXXX when I got a car loan and in XXXX I had a premier account with an XXXX  secure Access ID. The other day I deposited a money order that was signed over to me into the ATM and was told told, by the ATM, that the deposit would be available on Tuesday morning, due to it being a Sunday night snd when Tuesday morning came the money wasnt there, which thats not what my deposit slip said. I really believe I have money that they are not allowing me to have. Ive also had identity theft problems with them and Ive never gotten a direct answer as to what it was. I have a strong feeling that it was a mortgage, securities and bonds, or something similar. I have been sent most recently a cashiers check for XXXX that was due to the identity theft and they required me to sign an I-9. This is serious and I want to know how to proceed. Thank you sir and madams.
Product: Credit card

I have had multiple CitiBank credit cards for many years. One day I logged into my account and saw that all my accounts had been closed. No reason was give, and when I called into the customer service they were just as unhelpful, as they had no idea of why it had happened. A few days later I received a letter stating that all my accounts had been closed and for more information I should email/fax/mail requesting more info. I sent an email and fax but have not gotten any response. My credit cards were all in good standing and paid each month in full. Now I'll have to spend an endless amount of time trying to get my bills paid in timely order and much heartache. 

When I asked about the rewards the representative advised me that my rewards were forfeited due to the closure of my account. No rhyme, reason, or explanation, just a harmful and reckless theft of rewards that were based on valid purchases during the year So, I have a house full of kids and the XXXX points I was planning on using to take my family on vacation this summer on has evaporated. Its yet another example of a financial company that coldly, unsympathetically, and egregiously takes from those most vulnerable when they want to.
Product: Debt collection

I owe XXXX. I have not received anything about ways to pay the amount till a court order came.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to credit bureau about a collection ( TARGET/XXXX  ) and I have not received a response back or any results.
Product: Credit card

I am a Citizens Bank " Cash Back '' Credit Card holder. I pay my balance monthly, an investigation needs to be launch as to certain features of the Credit Card do not or are not recognized by the bank. Citizens needs to stop advertising the credit card as a " cash back '' credit card when they fail to give cash back as in comparison to a XXXX XXXX credit card/ cash back or a XXXX XXXX, ca sh back credit card. The features that they consider to offer the cash back allowance on, Gas, groceries, restaurants and types of entertaining, are not or do not meet their standards towards a cash back award. There fore they are not and should not advertise or engage in deceptive engagement of selling their credit card product as a " Cash Back '' instrument of the industry. 
This failure needs to be investigated and if found to be illigitament, they need to have their product removed and pay the amounts stated for they 're cash back programs. 
I also found that they created a monthly payment amount that was n't agreed upon by myself and without my knowledge, that created fees to my associated " checking account, '' from which they withdrew funds, again without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized hard inquiry made by XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a bankruptcy on my credit report be verified and validated, and if it can not it must be deleted. I got notification that it had been verified but I also received a letter from US bankruptcy court that they do not verify and information with credit reporting agencies. So I was given false information as to the validity of this item knowingly and willingly ruining my credit report and character. It is against the law to report unverified information.
Product: Credit reporting or other personal consumer reports

CFPB, I have XXXX hard inquiry 's on my Equifax credit report that I have been trying to get removed from my credit. I've explained to customer service reps they are fraud, and I did not give permission to any of these company to pull my credit report, nor my personal information.
Product: Checking or savings account

As stated in previous complaint I called in to XXXX to see if the report was answered from wells Fargo the agent stated they responded so the agent agency XXXX can't find my response to wells Fargo bank. As previously I have stated wells Fargo bank has not provided the accurate information
Product: Mortgage

Mortgage Loan Officer, XXXX XXXX, NMLS ID # XXXX has misinformed me and did not reimburse the promised following fees. 

- {$500.00} processing fee, ( was charged on XX/XX/2020 ) - $ XXXX ( XXXX XXXX XXXX expedited pay off letter service fee ( 6 times x {$20.00} each by Amerisave ) - $ XXXX ( XXXX XXXX XXXX late payment fee ( I was told that the loan was closing in XXXX ) Total of {$750.00}
Product: Credit reporting or other personal consumer reports

I appreciate the removal of some negative items from my credit report. However, there are still remaining items that need to be addressed and removed from my credit file. I was going through my records & noticed these items which were opened without my permission. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to incorrect credit reporting. The disputed items are a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these negative items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly : 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 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 Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Statement Incorrect Late Payment Reporting by Experian Issue : Experian is incorrectly reporting 30-day late payments on my PenFed auto loan ( Account # XXXX ) for XX/XX/XXXX and XX/XX/XXXX, even though my payments were made within XXXXXXXX  XXXX grace period and should not be marked as late. 

Details : XX/XX/XXXX : Loan payment of {$70.00} was made before the grace period expired. 
XX/XX/XXXX : Loan payment of {$350.00} was processed before the 30-day mark. 
I have attached my bank statements and XXXX loan statements showing these payments. 

Attempts to Resolve : I disputed this with Experian, but they refused to correct it. 
Experian is blocking me from submitting a new dispute even though I have new supporting evidence proving my payments were made on time.

This false reporting violates the Fair Credit Reporting Act ( FCRA ) and is damaging my credit score unfairly.
Product: Debt collection

The account was open but never used. I verified with the creditor XXXX XXXX XXXX that the account was inaccurate and not my account. 

SUNRISE CREDIT SERVICES - XXXX XXXX XXXX XXXX
Product: Mortgage

The bank is Santander with an office in XXXX, Pa. I have been a customer for 35 years. I have had a HELOC with a maximum draw down of {$200000.00} for many years. ( I do not have a 1rst mortgage with any bank ). As of XXXX, I had an outstanding balance of {$4.00}. When COVID became a risk for me ( I am XXXX and XXXX-compromised ), I quarantined for 2 months in XXXX, where I had been staying when the virus first hit. I had NEVER missed any payments in the past, and believed, wrongly, that a {$4.00} balance outstanding could be managed. This is in fact what happened ; 1- I received two calls from Santander in XXXX or XX/XX/2020 that began with a request for the last 4 digits of my SS #. I am not comfortable giving this type of data by phone to someone I do not know nor can I determine the veracity, and I said so. In both cases, the caller said there was no way to move forward and hung up without relating any information as to the purpose of the calls. 
2- In XX/XX/2020, I returned to XXXX to find a letter from Santander Collections, informing me that my HELOC was closed to any further draw down, and that I was assessed a {$40.00} in late fees. Additionally, Santander reported this to the various credit agencies ( taking my credit score from XXXX to XXXX in one fell swoop ). 
3- I called collections and customer service several times. No matter who I spoke to, the refrain was similar ; we called you twice, you did not pay it, you now owe us 2 months late fees ( i owed a {$4.00} balance ) now adding up to {$40.00}, and we are reporting you to credit bureaus ( {$4.00} balance ). 
4- Since then, I have paid the {$4.00} and zeroed out my HELOC balance. I am in the process of terminating the rest of my relationship with this bank ( I have a checking account that has auto-deposits, to include Social Security, every month ). 
5- What I am seeking ; relieve from the punitive {$40.00} late fees ( charged on a {$4.00} outstanding balance ) and written explanations to the credit bureaus from the bank removing the ding. 
XXXX, Santander should be ashamed with its behavior. {$4.00} outstanding balance, and the bank elected to exact a punitive toll on a long-term ( 35 years ) XXXX senior in the midst of a pandemic. Hard to fathom.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I called the debt collector and we settled on {$150.00}, which all payments was made. I look into my report and noticed they reopened it again for {$500.00}. This is an act of fraud, they determine to destroy my credit even when payments was made, I will be attaching a screenshot report I had 2020 show the amount of {$150.00}, also will be showing another screenshot of {$500.00} showing opened. 
Don't understand how we can reach a settlement and months after another money is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$670.00}.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Credit Reports and noticed inaccurate account ( s ) listed on my credit report. 

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  This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion reporting agency , investigate and block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 BUSINESS days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the accounts listed above and have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections and hard inquiries as reported. I am attaching a copy of my FTC Identity Theft Criminal Complaint # ( private ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. This is a violation of the Fair Credit Reporting Act and these disputed items may not appear on my credit report if it can not be supported by any evidence or proof. I demand that the aforementioned fraudulent items be removed from my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations listed:


inquires XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX