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

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Exxon/CBNA. Exxon/CBNA is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Exxon/CBNA is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave Exxon/CBNA any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold Exxon/CBNA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If Exxon/CBNA can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Product: Credit reporting or other personal consumer reports

I am trying to obtain a mortgage for a house, and for some reason there is a glitch when it comes to TransUnion and the XXXX scoring system. Even though Trans Union sometimes has less things than other bureaus my XXXX score for mortgage loan is hundreds of points lower and on a tri merged mortgage report its not showing any of my current accounts that are in good standing which I think is affecting it. Im not sure if this is a glitch on Trans Union side or with XXXX but it is hurting me and causing harm to my credit file and I have been working hard to fix my credit so I can live the dream and buy my family a home. I need your help to make this happen. Its only transunion that seems to be the issue. Thanks
Product: Debt collection

XXXX XXXX XXXXXXXX took {$3700.00} cents off my bank account on XX/XX/year>, Bank XXXX XXXX never notified me that my account was been garnished, I received I legal order 2 days later after they took the money off my bank account, after that I got mail that I had a hearing on XXXX XXXX XXXX, I went to court and the other party didnt show up to the hearing they just had papers sent to the court, I had to fill out a claim of exemption and the judge granted my claim of exemption I have a paper signed by the judge that says I won the case and that I XXXX supposed to get my money back as a refund, I have made multiple calls to the parties involved with no luck, the XXXX XXXX XXXX department XXXX me they sent the funds back to XXXX XXXX XXXX XXXX XX/XX/XXXX and that it was cashed on XX/XX/XXXX and the bank is telling me they never got the funds, the sheriffs department gave me a check number XXXX to Bank XXXX XXXX XXXX department XXXX XXXX DE XXXX The sheriffs phone number is XXXX like I said Ive made multiple attempts to get my refund and XXXX still trying after XXXX months I had no luck. I have a case number to XXXX, bank XXXX XXXX tells me that I have to call the sheriffs department and the sheriffs tells me I have to call XXXX XXXX XXXXXXXX and XXXX tired of calling back and forth because nobody has answers about my refund, thank you I hope I get the help I need in this case.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX 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 in to be removed. 

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!

15 USC 1666b ( a ) Time to make payments 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. 

XXXX, XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX XXXX  ET, I received a transaction notification on my phone from Chime regarding a transaction for {$1300.00} from XXXX XXXX of XXXX, TX. I did not authorize this transaction, so I immediately opened the Chime banking app and XXXX transactions on my Chime card while I attempted to contact customer service. 

At XXXX XXXX  ET, I received a " transaction declined '' alert for a second transaction, for the same amount, from Chime. 

I immediately contacted Chime customer service via phone, where I spoke to XXXX, to whom I explained that the transactions were fraudulent and that I wished to file a dispute. XXXX directed my call to their Disputes team, where I spoke to a male with an odd manner of speaking, whose name I didn't catch. He explained that, because the transaction was pending, that I would be unable to dispute the charge until the transaction either dropped off my account, or settled. He started the process of issuing me a new debit card, and instructed me to watch my account for the next few days, and file a dispute if/when the transaction settled. 

On Saturday, XX/XX/XXXX, I saw that the transaction had been settled, so I proceeded with filing a dispute. On Sunday, XX/XX/XXXX, I received an email from Chime, informing me that my dispute had been closed and they determined that no error had occurred, and my account would not be credited for the amount in question ( {$1300.00} ). 

I contacted Chime customer service once again on XX/XX/XXXX, explaining that yes, in fact, an error HAS occurred, because not only have I never done business with XXXX, I also do not live in TX, my card has not left my possession, and I live thousands of miles from TX ( in CT ), so I clearly have not authorized this transaction and that I expect them to do a proper investigation and return the stolen money to my account immediately. Chime customer service responded that my message would be forwarded to their Disputes team, however, my dispute is still showing as closed on the Chime app, and I am still out {$1300.00}. 

I have also begun the process of removing my money from Chime, as I no longer feel that I can trust them with my money because they've allowed someone to commit fraud and steal my money right out of my account.
Product: Debt collection

Billed for a XXXX XX/XX/2018 for 1 day stay XXXX. Insurance paid $ XXXX+to XXXX hospital XXXX , GaXXXX XXXX billed me nearly {$2400.00} after insurance paid. I questioned the amount as the bill had many!!!!!!! charges labeled XXXX supplies. I am a XXXX XXXX  familiar with the XXXX process.Though I did not agree with the charges, I made two monthly payments of {$100.00} online. In XXXX, I was called by a representative from XXXX XXXX demanding that I agree to pay {$220.00} dollars per month to have it paid in 12 months. I refused because I could not afford it. I told her that I would continue to pay the {$100.00} but she said that I could not pay what I wanted and that they determined what I should pay and her communication became hostile. At that point I felt harassed and hung up on her. 2 weeks later in XXXX, I got a call from medical bill collections. I attempted to pay online and found the account closed and not accessible online.I was blocked from paying XXXX directly. Now a company called XXXX XXXX XXXX XXXX is calling me repeatedly from a toll free number and making threats to ruin my good credit unless I pay in full. I think that my rights were violated by both XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case # XXXX this address that they have on file to verify any bankruptcy is inaccurate. According to the FCRA the bureaus have a responsibility to make sure all information is correct. And According to the letter from the court house in the City of XXXX, Ok this address is incorrect. See attached sheet.
Product: Debt collection

Addendum to XXXX API recovery and it representative XXXX XXXX XXXX XXXX XXXX has some how got possession of by cell phone records. They have called previous employers, friends and relatives who have never been included in any credit application at any point in time. 
They have impersonated attorneys and have claimed that I am in legal trouble and they are trying to stop criminal proceedings against me. 
I have at least 8 witnesses who have been contacted or have messages left about sensitive personal matters or that have been left on phones of friends and family that will show that XXXX was impersonating an attorney and threatening criminal action against me. 
I have received no correspondence from them. 
I have attached photos of a message that was left on my ex EMPLOYERS cell phone. I can make the recording available directly from my employers cell phone if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my Equifax report and provided this information by letter in USPS mail to the Equifax dispute department.The letter stated I was aware that according to the FCRA, legally these unverifi ed & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries without an FTC report of fraudulent activity.

I then submitted n FTC Report to them and they still refuse to remove the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN USED WITHOUT MY CONSENT OR KNOWLEDGE. I AM REQUESTING FOR THESE ITEMS TO BE DELETEDFROM MY REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Place correct the information on my credit report .The info is damaging me, a defamation of character to my personal identity.The incorrect name XXXX XXXX XXXX is Mis leading my commercial transactions.
Product: Debt collection

On XX/XX/XXXX I received a credit alert that a collection from Radius Global Solutions was placed on my credit report. This collection is for {$990.00}. The open date states XX/XX/XXXX and the original creditor is XXXX. 
I have never received any communication from Radius Global Solutions. 
XXXX is a power company who operates in CT, MA & NH. I live in Maine - they do not service my state. 
I have lived in Maine for quite some time and could never have had a bill with XXXX from XX/XX/XXXX. 
Radius Global Solutions violated the FDCPA by not providing notification of the debt prior to placing a mark on my credit report. 
Radius Global Solutions is reporting false information on my credit report, as there is no possibility I had an account with XXXX which went delinquent in XX/XX/XXXX. 
Radius Global Solutions must remove this mark from my credit report immediately as well as provide validation of this debt they allege I owe. They must provide all historical statements as well as a signed contract and the alleged address that they are claiming XXXX provided services to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit reporting agency XXXX XXXX that XXXX XXXX was sued by the state of New Jersey attorney office It was a class action lawsuit that affect all car buyers who were sold a subprime loan. 
I was sold a subprime loan and as a result. The state sued them and found them guilty of selling high-interest-rate loans to XXXX XXXX XXXX or individuals with less that perfect credit scores. 
I file a complaint with the Attorney General and they are investigating the matter. This is part of ligation and they are not allowed to continue to report inaccurate information. The debt is forgiven and they are ignoring attempts for justifications According Fair debt credit report Act this is not allowed
Product: Credit reporting or other personal consumer reports

Experian has been giving me notifications for a while now that my information has been exposed online for some years now dating all the way back from XX/XX/XXXX all the way up to XX/XX/XXXX. I never really paid it any attention until I started receiving random text messages from odd numbers claiming to be XXXX. And Fake Settlements requesting my information and also having my brokerage account with XXXX compromised. A lot of my inquiries and certain accounts on my credit report are false and were not authorized by me. Its too many to specify verbatim
Product: Debt collection

Hello, XXXX continues to attempt to collect on a debt that is not valid. I have requested proof of debt and they have not provided such. They continue to report the erroneous information to XXXX in violation of the FCRA and show that prior disputes were resolved, which they were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern : I recently received a copy of my XXXX, TransUnion XXXX XXXX credit reports, and I noticed some late payments posted on my credit report XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX XXXX Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX XXXX Department Of Education- Account XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX U.S. Department Of Education- XXXX XXXX XXXX U.S. Department Of EducationXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF ED/XXXX XXXX XXXX* DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF ED/XXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX DEP OF EDXXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX federal with a credit limit of XXXX my payment due date is the XXXX of every month. I made payment with representative on the XXXX of XX/XX/2022, I also reported my card lost on on XX/XX/2022 and they issued a new card that same day as I made my payment. XXXX XXXX canceled my payment of XXXX without my knowledge and reported XXXX XXXX late on my consumer report. I spoke to a representative and he admitted it was there fault but was nothing they couldn't do about it on there end. they suggested I dispute the XXXX 30 days late with the credit reporting agencies myself. I would like the false XXXX XXXX late removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft & Fraud, that was never blocked, these accounts were joint accounts with my husband, on my account. Duplication Accounts, Inaccurate Accounts. Account Information Incorrect, on loans balance, payment amount.
Product: Debt collection

On XX/XX/2018 I sent a certify letter to the credit bureaus regarding the account on my credit report asking for verfiication, as a result I was sent a letter from Midland Credit and statement for verfication, which is not valid I'm requesting a contract with my signature.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against State Employees Credit Union ( SECU ) concerning their improper handling of negotiable instruments I provided and the subsequent inaccurate reporting to credit agencies. 

As an informed consumer, I understand the obligations financial institutions have under the Uniform Commercial Code ( UCC ), particularly regarding the processing of negotiable instruments. According to UCC 3-104, a negotiable instrument is defined as an unconditional promise or order to pay a fixed amount of money, payable to bearer or to order at the time it is issued or first comes into possession of a holder, and payable on demand or at a definite time. 

In accordance with these provisions, I submitted certified negotiable instruments to XXXX as payments. However, XXXX failed to process these instruments appropriately. Some were ignored without justification, and others were neither processed nor returned to me. This negligence has led to unauthorized transfers of my securities to third-party agencies without my consent. 

Furthermore, XXXX closed my account without proper notice and reported inaccurate information to credit reporting agencies, adversely affecting my credit standing. 

I request the Consumer Financial Protection Bureau to investigate SECUs actions concerning : XXXX. The mishandling and non-return of negotiable instruments I provided. 
XXXX. Unauthorized transfer of my securities to third parties. 
XXXX. The closure of my account without due process. 
XXXX. The dissemination of false information to credit reporting agencies. 

I seek remediation for the financial and reputational harm caused by SECUs actions and assurance that such practices are rectified to prevent future occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I also filed an FTC report due to the inaccuracies being reported. I tried contacting these companies and no one is helping me.
Product: Credit reporting or other personal consumer reports

I have my name and address that I want to correct on your report. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX Florida XXXX. 
XXXX look into this matter. 
I did not receive any letters that my address an name was updated.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police  reportsXXXX 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  gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX