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

When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. XXXX XXXX XXXXXXXX ACCOUNT # XXXX Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( XXXX ) and the person ( XXXX XXXX XXXXXXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Checking or savings account

On XX/XX/2021 I was alerted by XXXX XXXX that an account was started with TD bank. I did not open this account. I was advised by life lock to contact TD bank fraud unit. I contacted TD bank and they put an alert on the profile. I received a call from a fraud investigator that advised the accounts created were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, JPMCB credit card account was closed, and with 12 month or 24 month time period of payment plan to be automatically withdrawn from my checking account, however this process was not complete due to their mistake and I was reported for no payment/latepayment for 5 month period of time without notification. Notification was sent by JPMCB, but to an old email account and with out an alerting me as an emergency that I needed to take action. 
I have been trying, going back and forth with credit report agency ( XXXX, XXXX, XXXX ) and JPMCB, trying to take the late payments out of the report with unsuccess. I do feel it is not fair in terms of this reporting because of their mistake in their part of not completing their work correctly and not notifying me with an urgency. As of now account is in very good condition but this was after I found out there was issues. Please help me solve this problem in my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Account XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Account # 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 604 A Section 2. Also states a consumer reporting agency can not furnish an account with out my written instruction.

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 received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXE : Acc No : XXXX Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : XXXX : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX   XXXX XXXX : XXXX No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX   XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc No : XXXX Date Opened : XX/XX/XXXX XXXX HOSPITAL : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXXXXXX : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX
Product: Credit card

This is, in regards, to the unfair practices completed by Best Buy. When a customer makes a 6 months no interest purchase with Best Buy, it may sound like a good deal until ... .We made several payments on the purchase. As a matter of fact, we paid over the amount of the promotional purchase. This is what Best Buy financing company does unbeknownst to customers. They do n't apply the payments to the promotional purchase to reduce the interest or show the promotional purchase as paid off. When I called them about this, they stated, " I had to notify the finance company how I wanted the payments applied. '' My thoughts were I over paid the amount I owed for such purchase, but because there were other purchases on the account they stated the payments were made on those purchases instead of the promotional balance. This unethical practice cost me a lot of money in finance charges. Best Buy tries to purposely squeeze money out of consumers unexpectedly.
Product: Money transfers

I used " western union '' service today to send money. After i completed money transfer page and provided my bank routing and account numbers to transfer money from i clicked " transfer ''. Then there appeared next window asking me to provide my login and password for my online banking " FOR VERIFICATION ''. 
I clicked " cancel ''. Then it was " if you cancel, this transaction will not be completed ''. 
I clicked to " cancel ''. Then next window appeared saying " your transaction is successful and complete ''. 
So, this is clearly fraud! They are asking people for online banking login and password " for verification reasons ''. 
Thank you.
Product: Mortgage

I began the lending process in XXXX at which time a rate was locked in. After FOUR MONTHS of DELAYS, including the wrong loan type being identified, the contractor submitted incorrect quotes multiple times and several delays from the underwriter, I was suddenly notified that the rate will increase. 

This is unethical and predatory, based on the delays being caused by the financial institution, to pass this cost on to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

I purchased a car from CarMax in XXXX of 2016. I had come into some financial problems which caused me to get behind with my payments. So they were going to repossess the vehicle unless I paid them in the amount XXXX. So I made two payments for the amount of the XXXX, but they closed my account and charged the account off. So I asked them if I made the payment would it cause my account to go back into the current status and they told me no. So my account has been charged off and I still have the vehicle and they are making me pay the monthly payments of XXXX each month. So I feel that they have already received payment in full when they charged off the account but they are charging me and they are getting double payment on a vehicle that I still have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this.
Product: Debt collection

I have disputed with the credit reporting agencies that they have not only my daughters addresses listed with my credit report, but also a woman who happens to have the exact same name as me. NOT THE SAME SOCIAL SECURITY NUMBERS. How can I have this information corrected? Because of this, there is a judgement against me for someone else, not my daughter, but someone else. I now can not get any credit for anything. This has been a long 25 or 30 years of identity theft!!! No one seems to give a XXXX. I am not going to pay someone elses debts!! I 'm XXXX XXXX XXXX!!! Can you help at all????
Product: Debt collection

I am a victim of identity theft I am attaching FTC report and Police Report that was requested. I request these items be blocked and deleted from my credit report effective immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to Trans Union, XXXX, XXXX.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Product: Vehicle loan or lease

I was sick for a long time Ally didn't even allow me to make any payment arrangements..charged me for alot of late fees ..I paid off back payments including late fees and they never report them to the credit bureau now I srtat to pay them ontome they never report that neither to help me build mu account I never see any bank that finance a car and refuse to help when something happen ..they only there to collect money not even report them to help you build the credit ..that 's unfair..
Product: Checking or savings account

I called chime asked chime what was the reason for the closure of my account. They informed me they could not inform of the reason. I Then asked chime when checking my credit they are reporting on my credit, so I asked chime ; which the call is recorded do they comply with the guidelines of the fair credit reporting Act the agent informed me that he couldnt provide me with that information. He told me XXXX was the reason for my account closure and that it could not be appealed or Re opened. Then asked chime why wasnt I informed of the closure, or the reason for closure. The agent inform he couldnt provide me that information as his system allows him to only seem limitied amounts of information. Then replied to the agent if Im not providing and explaination but you are reporting to my credit I would have no choice to contact CFPB. Chime then continue to steal say only information that I would be able to receive is that the account is closed. Please advise how a company can inform on my credit on my behalf and still not be able provide reasonable articulation of a closure.
Product: Debt collection

I called commonwealth financial at XXXX CST on XXXX/XXXX/2015 The agent said thank you for calling commonwealth asked me how I was, I responded I was blessed could n't complain. I then proceeded to advised i had paid the balance of XXXX through the automated system and that I was requesting my release. The rep proceeded to say you balance is XXXX dollars to combat me, without verifying my identity or giving me the mini miranda, both against the fdcpa standard. When I advised the rep of this the rep hung up in my face. I called and requested a manager so that I could advised I would be reporting the incident.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a credit reporting issue with Experian Credit Reporting, which I believe has not been investigated properly in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute about inaccurate information on my credit report regarding : Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$8300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$8300.00} written off. {$8300.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX Account number XXXX .... 
Recent balance {$1100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$21000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$16000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$8300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$8300.00} written off. {$8300.00} past due as of XX/XX/XXXX. 

I provided all necessary documentation to support my claim. However, I have yet to receive a proper response, and the inaccuracies remain unresolved. 
The credit reporting agency failed to explain the specific issue to complete the investigation within 30 days, provide updates, or give a valid reason for rejecting the dispute. This lack of response and investigation has negatively impacted my credit score and ability to obtain credit. 

I am requesting that the CFPB intervene to ensure : XXXX. A thorough re-investigation of my dispute. 
XXXX. Correction of the inaccurate information on my credit report. 
XXXX. Compliance with the FCRA by the involved parties. 

Thank you for your assistance in resolving this matter. 

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

Received a denial notice from an apartment complex on XX/XX/XXXX. along with the denial letter, received current copy of my Transunion report with a number of erroneous errors. Contacted Transunion on XX/XX/XXXX in regard to unauthorized inquiries on my credit report that I needed removed. I informed the agent that according to the FCRA, these unverified and unauthorized items must be removed. The following are the inquiries listed on my Transunion credit report that have NOT been authorized : 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  Spoke with Transunion agent XXXX at approximately XXXX XXXX. Stated he could not assist with the unauthorized inquiries, regardless of FCRA status. Was advised to file an official complaint through CFPB for removal/resolution. 

Case : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX  to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with ALLY 14 times. Each time they promised that someone would help or call me back. Please help.

XXXX  XXXX XXXX  ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several charges on my credit report through XXXX. I sent a dispute letter on XX/XX/XXXX and was recieved and signed for on the XX/XX/XXXX. By law, credit companies have until 30 days to respond. I have yet to receive a response. 

I also send both Transuion and XXXX  the same information an have not received a responce XXXX  was sent a dispute letter on XX/XX/XXXX and a receive was received on XX/XX/XXXX. Attached is the proof of delivery.. Also Transuion was sent a letter on XX/XX/XXXX and I proof of delivery on XX/XX/XXXX.
Product: Prepaid card

I contacted US BANK FOCUS DEBIT CARD customer service in XX/XX/year>. I have been unable to access my account online. On several occasions I tried logging in with my username and password. Ticket # XXXX XXXX XXXX was created in XX/XX/year>. I was told to try in 30 minutes. It's been over 30 days. I called again today XX/XX/year>. I spoke to two supervisors 3 hours apart where I was told again to try in 30 minutes. I called them back 3 hours later because I was not able to login and I would get the same message to call the the number on the back of my card. Another ticket # XXXX XXXX XXXX for today. The last supervisor I spoke with was XXXX, supervisor for prepaid cardholder services. She said to call in 5 days. I stated to her that it has been over 30 days from the last ticket. I asked her for the IT department, she stated there is no one else I can speak to about this. She has no SOLUTION for me! They are just creating tickets after ticket and no solution. I feel that this company 's card holders information has been breached and they won't tell me. They have no IT department I can talk to directly and supervisors have no ability to resolve an issue like this. This is a HUGE red flag. What is going on that they can't fix an online access issue in more than 30 days. I want reimbursement for all the time I have spent try to get them to SOLVE this PROBLEM. I don't get paid for my TIME! THIS COMPANY SHOULD BE HELD ACCOUNTALBLE!!!! THIS IS UNACCEPTABLE! THE NUMBER ON THE BACK OF MY US BANK FOCUS DEBIT CARD IS XXXX.
Product: Credit reporting or other personal consumer reports

I have asked that these accounts be removed from my credit. No knowledge of them! 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX
Product: Credit card or prepaid card

I have tried connecting my account to my XXXX account and they have repeatedly blocked my access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute with both Equifax and XXXX  unsuccessfully to have this inaccurate information removed. My credit reports are showing I have a deliquent account with XXXX XXXX XXXX which is incorrect. I asked them to send a validation giving a detailed breakdown of the alleged balance I owe. They sent this document which reflects a XXXX  balance. If I owe something then I need proof of it and they have been unable to provide proof. I have attached a statement showing a XXXX balance that I received from the alleged creditor.