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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax and XXXX  countless letters along with identification letting them know that I have eighteen hard inquires that I did not authorize. They refuse to remove these hard inquires. I have sent certified letters starting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, to this day these hard inquires have not been removed. I have called in countless numbers of times, each time being told they can't help me. They are hindering my ability to obtain a business loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I notified the credit bureaus and secondary consumer reporting agencies that I am a victim of identity theft. I submitted an identity theft report. As of right now, the items listed on my identity theft report have not been removed. According to Section 605B, these items were to be removed from my file within 4 business days! Also, no accounts can be furnished on my credit file without my written consent! I have never given anyone written consent to furnish anything on my file! I also spoke with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They have told me over the phone, and in writing that they do not furnish any information to the credit bureaus. Upon further investigation, I found out that this information was obtained from XXXX, XXXX, XXXX, and possibly other illegal means. I do have a right to privacy! You will not continue to commit defamation to my character. False information will not be illegally shared about me.
Product: Debt collection

Hello, I was a victim of identity theft, and my credit report has fraudulent accounts and inquiries due to this. I mailed a dispute to XXXX, XXXX and XXXX on XX/XX/XXXX. I included my driver license, social security card, proof of residence, identity theft report ( XXXX ) and XXXX letter. XXXX, XXXX and XXXX require this information to remove fraudulent items from your credit report. XXXX, XXXX and XXXX have failed to remove the following account Credit Acceptance Corporation opened XXXX of XXXX. I'm asking each aforementioned credit bureau to remove this fraudulent item from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 IncorrectPersonal XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Act # XXXX {$610.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXX XXXX XXXX Act # XXXX {$1300.00} XXXX XXXX Act # XXXX {$1100.00} XXXXt XXXX XXXX Act # XXXX {$1600.00} XXXX XXXX XXXX XXXXXXXX Act # XXXX {$360.00} 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 : also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( aX5 ) 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 ( AX1 ) 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: Debt collection

Between the months of XXXX through XXXX, I have been back and forth with each of the credit bureaus and the collection company concerning a collection debt that is being reported. Each time I disputed this debt it came back verified, however, each time that I 've requested validation and/or verification they have failed to do so. On two different occasions I 've received letters from the collection agency asking me submit documents. This has become a hassle because I 've been disputing for months and yet they have failed to submit the necessary documents for me to move forward. Please see the attached documents that I 've received from Convergent Outsourcing. One document even alleged that this was fraud, all I 've asked for was proof that this alleged debt in fact belong to me and they are able to collect on it. Which they have failed to do. Also, my name and home address are listed on the documents.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I was made aware that they are some closed accounts showing on my credit report, upon investigating I found out that they were not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts were opened XXXX XXXX XXXX XXXX XXXX, I have reached out to the companies, collection agencies, credit bureaus, and asked for some proof of purchases, dates, contracts, or signatures, to this date i have not received any response, I then went to the police station with the evidence XXXX XXXX XXXX XXXX XXXX when all this was happening and filed a police report which i have included along with a copy of my drivers license showing my signature in hope you can get the companies, credit bureaus or collection agencies to match it or show some sort of proof that these account are mine, which I know will be impossible because they are not mine, I hope you can assist me in getting this resolved and my credit cleared of these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently alerted by Experian that a new account was open during XX/XX/2023 with XXXX XXXX that I did not open. I disputed this item but the company said this should still be on the credit report. They are not providing any sufficient contact information so I know who I can discuss with XXXX
Product: Debt collection

I have two collections with Midland Credit Management ( MCM ). One I have a payment arrangement on and am current on. The other is the account in question. On XX/XX/XXXX at XXXX EST I received a phone call from MCM concerning account # XXXX, a debt they purchased from XXXX  XXXX XXXX XXXX XXXX I stated clearly on this record conversation that I had disputed the debt and did not wish to receive any further communication from. At that point their agent completely ignored me and kept talking over me I hung up. Fast forward to today. I received a letter dated XX/XX/XXXX from MCM saying I have an obligation to resolve this debt. So already they have violated my clearly communicated cease and desist communications from XX/XX/XXXX. I reached out to them to see why they did so and it was confirmed that it is noted on my account no contact, they said that only meant no phone calls. I said in the initial phone call on XX/XX/XXXX no communications. That covers more than phone calls and is very clear. Then before finishing the phone call I was told if I reported them to the FTC that the FTC would question why I had not been paying the debt and that I had a legal obligation to pay them this debt that they purchased of their own volition and explicitly told me that I This phone call was today XX/XX/XXXX at XXXX EST. Not only have they contacted me after being told not to, but now they are threatening me and lying saying I am breaking the law to keep me from filing this report and instead pay them the debt.
Product: Checking or savings account

I have called a dozen times, sometimes waiting on the line for up to 2 hours. Spoke to numberous reps and even escalated to supervisors 3 times. Every time they say they have released my funds for a card to bank transfer. Every time it does not work. I have my funds being deposited automatically from PA pandemic unemployment to the US Bank Reliacard. I did not choose this. They mandated this procedure. I want to transfer the funds to my regular bank checking account XXXX XXXX XXXX ). I have not been able to access my funds for approx. 6 weeks. They admit they have received my license id which I uploaded twice to their bank using their document upload process. They say there is no reason for a hold yet I can not access over {$2800.00} in funds.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and Experian are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information.

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title.

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal.

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, Experian, XXXX XXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX never informed me of my right to exercise my non disclosure. 

XXXX and Experian are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the steel mill, my credit is bad, i have 4 judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. XXXX doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with XXXX and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for XXXX that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

XXXX does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want XXXX to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under 500 4 Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this XXXX tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to XXXX  and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement. 

I'm attaching my requests with the AG of Indiana 's office and the Judgement
Product: Checking or savings account

I opened an account with Ally Bank earlier this year on XX/XX/XXXX and transferred {$100.00} on XX/XX/XXXX to the account. Later on XX/XX/XXXX my mom deposited {$100.00} and {$200.00} on XX/XX/XXXX via XXXX. I tried to transfer {$370.00} out via XXXX on XX/XX/XXXX this year and Ally Bank wouldn't let me. They restricted and froze my account claiming suspicious and fraudulent activity but it was me trying to get my own money from my account. They shut down my online account and I could no longer log in. I called multiple times and was put on hold for hours on XX/XX/XXXX until the bank hang up on me and told me there was nothing they could do. I kept calling in XXXX and XXXX and XXXX many times and was put on hold and transferred for hours and never was able to access my account or money again. Finally on XX/XX/XXXX I called and was told that they closed my account and sent me a check, but I never received any check. I told them I had not received the check and they sent me an affidavit to sign on XX/XX/XXXX which I signed and sent the next day via XXXX mail and fax. I still have not received the check for my money. The bank stole {$400.00} from me and I need the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

American Express is not working with me to resolve this long over do issues and Im still being charged with excessive interest fees and excessive interest rates charges and cash advances I know nothing about even though it states XXXX balance but it also states cash advance activity on the billing statements for XX/XX/XXXX what is going on? And I been paying high interest fees and high interest charges to that cash advances noted on the billing statements. The months of XXXX and XX/XX/XXXX neither of those months on the billing statements had cash advances noted on the statements. The balances are incorrect and on XX/XX/XXXX pay overtime direct interest rate 17.49 percent balance {$11000.00} and promotional pay overtime direct balance {$11000.00} why do you have 2 pay overtime direct balances? This is double billing charge and double billing with fees and interest charges.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX furnish my information or authorize the disclosure of my information.

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XXXX XX/XX/2023 and XXXX XX/XX/2023. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Credit card or prepaid card

After opening saving account with PENFED, they offered me credit card and send a credit card. I did not even request or apply for their credit card. They saw my account has good chunk of cash on the account. They talked me to it as the best card to own with a such nice of credit line. Because my life is extremely with my veterans patients before and during COVID-19 pandemic, I requested to have my credit card payment be automatically taken from my account. I sat in the office of PENFED branch bank located at XXXX XXXX XXXX XXXX DC XXXX at the same governmental agency, XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) where I am employed as XXXX XXXX with PENFED back representative to setup direct deduction from my account for credit card payment. I was an XXXX American male who promised me that there is an option to setup direct deduction from my account as I have my direct deposit already setup and ongoing. After approximately 45 minutes to an hour in his office, I was told that my direct deduction has been successfully setup and ready to go. I do not have way of knowing that the individual employees of the PENFED was incompetent in accounting as well as setting up the system where my due credit card be paid on time. I trusted him, and trusted the system. But the PENFED failed to keep the promise they made by keep unskilled employee at office as a customer service representative. 
They damaged my credit history and my credit scores. 



I had credit card from PENFED Credit Union.
Product: Debt collection

This is issue is about a debt that the creditor claims that I owe to them. they are using abusive and threatening tactics to attempt to make me pay. they have been sending me letters and calling me every week for the last two years. I proclaim that I have not signed any contract with this organization past or present, The Fair Debt Collection Practices Act says that a debt collector may not engage in any conduct the natural consequence of which is to harass oppress, or abuse any person in connection with the collection of a debt. 

XXXX XXXX XXXX has committed Harrassment or abuse False or Misleading representations unfair practices the creditor does not fit the " term '' Creditor as defined by the Federal Trade Commission. they fall outside thsi scope. 

The Term Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed but such term does not include any persons to the extend that he receives and assignment or TRANSFER of a debt in default for the purpose of facilitating collection of such a debt for the another also 3. May not contact you at work if the collection agent has been notified that your employer prohibits the receipt of such communications.

4. May not contact third party individuals, such as friends and family, more than a single time, and the contact is limited to requests for your contact information.

5. Must send a written validation notice telling you the amount you owe within five days after they first contact you. This notice must include the name of the creditor to whom you owe the money, and how to proceed if you dont believe that you owe the money.

6. May not contact you if you have informed the collecting agent that the debt is not yours.

7. May not make threats of any kind ; including arrest, garnishment of wages, and property seizure.

8. May not make false statements in an attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off in 2014. I have asked that this be removed from my credit report.