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

Clients Name Clients Address The term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this. 15 U.SC 1681b - permissible purposes of consumer reports ( 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 I, clients name, never gave you any written consent to include any of this information to my consumer report, neither did I give your company any consent to furnish nor communicate any of this information to any person, third party, or affiliate so your company is actively violating my rights under the FCRA. As a consumer my specified remedy for these injuries is : The deletion of the following inquiries listed below. 

XXXX Inquiry : XXXX XXXX, 2020 As a consumer by law these inquiries on this letter must be deleted immediately.
Product: Debt collection

XX/XX/2019 XXXX XXXX {$300.00} Debt collection agency by the name IQ data international called XXXX at XXXX. The debt collectors threatened that our credit would be affected, and he was about to file us as delinquent.
Product: Credit reporting or other personal consumer reports

Yesterday I submitted an FTC report regarding numerous fraudulent inquiries on my credit profile. Today after further review, I discovered more unrecognized accounts on my credit profile. I did not authorize these accounts whatsoever ; These need to be deleted immediately. I am a victim of the EQUIFAX DATA BREACH. 

XXXX XXXX XXXX XX/XX/XXXX ( {$620.00} ) XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Describe what happened so we can understand the issue ... 
Hello- We were the victims of XXXX servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX ) should be deleted from my Equifax credit report. XXXX changed names to XXXX. So the account on my credit report now shows up as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between XXXX, XXXX  and XXXX  and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the LEXIS NEXIS are any other credit reporting agency. i would like to know your method of verification on how you verified this information.
Product: Debt collection

The account is reported incorrect and has inaccuracies is preventing my ability to obtain credit. I was never late and I don't know why it's in my report.
Product: Credit card or prepaid card

I am contacting you regarding my credit card account with Chase bank Acct ending in XXXX. I was 5 days late on my XX/XX/XXXX payment and Chase cut off my card and required me to make a payment in advance for the next month without notice. I have had this account since XXXX and don't recall being late on payments ever until now. I have NEVER heard of a company cutting off your card for 5 day late payment and requiring you to pay the next month in advance and to top it off I have a Checking account with Chase with direct deposit. I could not have imagined that I was in desperate need away from home somewhere and try to use this card and it's cut off for 5 day late payment and I was forced to pay the next month in advance before the card would be reinstated. I don't believe this should be done to any customer especially a loyal customer who is late once in several years. I am in disbelief that this even happened, I have several accounts with other financial institutions for several years and have NEVER had this type of foolishness happen. I am disgusted and shocked.
Product: Debt collection

Based on the TFDCPA : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.I like to build this case on the collection company in hand because they do n't have the right to collect any debt in the State of Texas. They have sent me a packet XXXX/XXXX/2016 trying to collect in my state without the proper legal document require to collect in the state of Texas.
Product: Mortgage

I originated a loan with XXXX in XX/XX/XXXX. The loan was paid in XX/XX/XXXX with a HELOC that was also originated with XXXX. I have found out that the lien was never removed. I contacted PHH Mortgages ( XXXX XXXX XXXX ) on XX/XX/XXXX and was email my request along with a copy of the title search. I was told that XXXX the supervisor was going to " rush '' my request. I have not been able to contact XXXX XXXX and my request has not been rushed. I called today and was told that XXXX is not a supervisor. I was also told to resend the information. This is the information that XXXX confirmed she had received. This is holding up a XX/XX/XXXX closing.
Product: Checking or savings account

XXXX XXXX  counted in account went in to talk to someone n manager decided no one needed to explain XXXX threatened to call cops on us.Really bad experience, Atty wanted to take up case because They are known for calling cops on comsumers : I have been contacted for over 7 years over 5 times to settle this claim but always told someone will get back with me soon.
Product: Checking or savings account

It is my understanding that banks are required by law to give IMMEDIATE CREDIT for direct deposits from the Federal Government -- in this case " Civil Service Retirement. '' IF MY UNDERSTANDING OF THE LAW IS INCORRECT PLEASE ADVISE. The bank failed to pay three checks at XXXX XXXX XX/XX/2021 as NSF while waiting to post the Federal Government 's direct deposit of $ 5,000+ until XXXX XX/XX/2021. This resulted in a {$20.00} late payment penalty on one of the payment which had to be rescheduled along with the other two ( fortunately no penalties there ). I do not care what the Bank 's agreement says they should have given credit for the days deposits before processing payments. They do the same thing with Social Security, Social Security XXXX, Veterans Benefits, and all federal direct deposits. Explain to me if anything is going to be done to stop this? What this bank is doing is criminal. Please respond. Thank you.
Product: Credit card or prepaid card

On XX/XX/2021 I applied for the Citi XXXX XXXX XXXX. The application went in and I received an instant denial. In the following 30 days I have not received any letters or other communication explaining the denial. In the following 60 days there have not been any offers to explain the denial from Citi Bank. This is in violation of 12 CFR Part 1002.9 ( a ) ( 1 ) ( i ).
Product: Credit reporting

I have received several credit reports from Equifax NONE of which show or report late payments on any of my old or new accounts. ALL old accounts were zerord from my bankruptcy and all new accounts are current. 
Yet Equifax continues to falsely report to creditors alleged late payments but can not supply the alleged account these so-called late payments stem from. 
Equifax needs to correct these inaccuracies and supply information pertaining to the alleged late account OR send updated credit reports to ALL creditors for the past 90 days to correct their mistakes.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with Bankers Healthcare Group, LLC after discovering an unauthorized credit inquiry on my report. The inquiry, dated XX/XX/XXXX, raised serious concerns since I had no prior dealings with this company. In response, I requested a detailed explanation, proof of my authorization, and the removal of the inquiry if it was, in fact, unauthorized. 
I emphasized the importance of accuracy in corporate names within legal and financial documents. Even minor errors in the name of an entity can lead to significant financial and legal issues. Furthermore, I stressed the need for companies to safeguard personal information and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). These standards are crucial in protecting consumers and maintaining trust in the credit reporting system. 
Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. My experience highlights the importance of vigilance in monitoring credit reports and the need for accountability in credit reporting agencies. I share this in the hope that it helps others who may face similar situations with unauthorized credit inquiries or challenges with consumer reporting agencies.
Product: Checking or savings account

I asked the bank to look into a dispute for transaction that occurred on the XXXX of XXXX. There were 4 transactions one for XXXX, one for XXXX, one for XXXX, and lastly one for XXXX my boyfriend was robbed when we were on vacation in XXXX. I submitted the police report and told them immediately about the transactions. They finally saw that the card was fraudulent used on my boyfriends account but has denied my account claims. Ive attached a photo of my boyfriends claims that they acknowledged were fraudulent charges and they willingly refunded.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times and notifying the original creditor that this account was opened during the time I was XXXX The address they have listed I have never lived in the state of XXXX only XXXX. I have supplied certified court documentation of my XXXX time in XXXX XXXX and they results are coming back as verified. There is no way, that I can open up a credit card and have access to the card to make purchases while being XXXX. I have also included XXXX XXXX and still no resolution.
Product: Mortgage

Hi, we have issues with Citizens bank, which was previously complained in case XXXX. The company responded to that case with no useful information. They claimed that they have paid the property tax on behalf of us to XXXX XXXX XXXX XXXX but the latter said they never received it. We asked Citinzens Bank in the previous complaint to at least show us proof for that tax payment so we can use it to chase the government, but they just presented us some irrelevant docs and closed the case. We are really upset for our current situation, could you please help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave consent pursuant as defined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) & 15 USC 6802 ( b ) ( 1 ) to disclose share, or furnish my private, nonpublic personal information to any consumer reporting agency.

Nonpublic personal information is defined as transactions and experiences pursuant to 16 CFR 313.3 ( n ), ( o ) ( 1 ) & ( 2 ) ( i ) ( B ).
Product: Credit reporting or other personal consumer reports

In or around XXXX to XX/XX/XXXX I turned a car in that I purchased from JD Byrider the vehicle was a XXXX XXXX XXXX. JD Byrider and CNAC charged me {$17000.00} with a 21 % APR @ that time I paid over {$6400.00} towards the loan. 
I ultimately had some issues with the vehicle that led to me doing a voluntary repossession. On XX/XX/XXXX CNAC sent me an Explanation of Calculation of Surplus or Deficiency they sold the vehicle according to this document for {$4000.00} then CNAC said that I owed them {$12000.00}. 

I then received a collection notice from XXXX XXXX a debt collector for JD Byrider and CNAC, XXXX XXXX claims that I owe {$12000.00}. 

The problem is that CNAC sold the loan to XXXX which means they no longer are the owners of the debt which means that they also made a profit of the loan and then CNAC admits that they sold the vehicle @ the auction for {$4000.00} not to mention I paid {$6400.00} into the loan which means that CNAC has received in excess of {$10000.00}. 

Since that time CNAC willing and wrongfully reported inaccurate information on my credit and they no longer own the debt and now CNAC continues to violate my rights according to U.S. Title Code 15 Section 1681.

I am demanding that CNAC cease from reporting that inaccurate information against my credit and that CNAC notifies all 3 Major Credit Agencies XXXX, XXXX, and XXXX! 

Also according to XXXX XXXX the vehicle in question was valued @ {$4500.00} so they overcharged me and the vehicle was also on the recall list and that wasnt disclosed to me @ the time i purchased the vehicle
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.
Product: Credit reporting or other personal consumer reports

NOTICE OF LAWLESS VIOLATIONS : According to 15 USC 1681 sec 602 the banking system is dependent upon fair and accurate credit reporting. XXXX in my experience is not in compliance nor is XXXX XXXX. Very frustrating to say the least. Transunion is reporting inaccurate information to my credit file. A charge off is considered a certificate of indebtedness per the IRS XXXX publication XXXX. The information reporting as charge- off on the credit report is illegally being reported Per the IRS XXXX charge-off is certificate of indebtedness and is considered income and can not be reported on a consumer credit report. Requesting removal of account and XXXX from the XXXX XXXX as proof of charge off to the company A charge-off is considered income and can not be reported on a consumer report. I opted out of sharing my personal information last yea. This is a violation of my privacy per the Privacy Act of 1974. 
XXXX XXXX XXXX {$3800.00} reporting open account with payment status charged off, that is inaccurate reporting, Remove immediately
Product: Credit card or prepaid card

There was purchase made on my credit card on my Best Buy Citibank card. I immediately reported it after I received an email of the purchase. The card was to be cancelled XX/XX/23. The following day, as my card was canceled and inactive, another purchase was made. 

I tried to resolve the issue Best Buy recharged my card and did not issue my credit. I also have a credit of about {$210.00} I was told was going to issued a check for, and still have not received it.
Product: Mortgage

I have a mortgage through Wells Fargo. In 2012 they threw me into a mortgage modification. For a full year they threatened by mail and phone to foreclose on my home even though I made every payment on time. I had to call them every month on the day of my payment and give them my bank information. When is it was finally over I find out that they reported to the credit bureau that I had not made a payment in 9 months which really messed up my credit score. I have repeatedly reported that, that is not correct and have sent them information to prove that the reporting is wrong. This year I decide to do a refi on my house and find out that what was reduced in my mortgage through this modification has been but on my house as a lien. I also received an notice in XXXX that they were going to start foreclose process on my home for non payment, then received a email from them that said " oop were sorry we sent you that message. '' Again my harassment. So I went through a full year of threats and hell for nothing. Why is this being done to people? You hear about this big program to help home owner and it does is ruin you credit and create major problems.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : After, going through an awful divorce, and getting through some significant losses. Im in the process of repairing my credit. 
On XX/XX/year>, I continue to review my credit reports, I notice some things are incomplete and not accurate. For example, some instances of late payments on some accounts for which I have maintained in a timely manner. This information plays an important role in damaging my credit score. 
In according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

I request a thorough investigation into these discrepancies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Dispute, XXXX Texas XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX 's only defense which was recently documented to me states that XXXX XXXX has a public record address linked to me, a social security number, and a date of birth. All of which could have have been easily accessed during XXXX XXXX 's 2019 Cyber Incident which has resulted in a class action settlement preliminarily approved by the U.S. federal court. Furthermore, XXXX XXXX also documented that XXXX XXXX received electronic payments from an account ending in XXXX with XXXX XXXX XXXX that is under my personal information which is false as I have contacted XXXX and verified that I have never had an account ending in XXXX ( see attached ). XXXX XXXX has gone to lengths to hide the truth that i never approved, agreed to, or authorized this credit card account. I have maintained my innocence from the very beginning by stating I did not open the card nor make any of the purchases, and sent an identity fraud report which XXXX XXXX never filed or disputed the fraudulent charges.
Product: Credit card

BANK OF AMERICA ACCOUNT # XXXX This charge off account does not belong to me. I have requested on numerous occasions to investigate this matter and Bank of America has not been able to properly process my request. 

The inaccurate information on my credit file by Bank of America has affected my ability to obtain credit and to have the correct information reported by law under the FCRA. Since the information can not be verified, I request that it is removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent. Please delete from XXXX XXXX Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/Ashley Home Store is reporting a XX/XX/20 late. My wife was in an accident and had to had XXXX in another state. The help she received was not much and we really struggled to make ends meet these last few months. I have been trying to make my payments on time but unfortunately defaulted. My wife 's accident really put us in a hard spot as we both were out of town for weeks waiting for her to recover. With COVID affecting me financially as is and my wife 's XXXX has made it really impossible to keep our head 's above water. I am asking as a long time customer that you remove the recent late notations. I truly did not mean to be late or wanted to but it was complete out of my hands.
Product: Credit card

My credit card company ( Mastercard through Citibank ) is claiming I owe them {$1900.00}. This seemed high, since I usually pay at least the full account balance. I downloaded their statement balances through Excel and discovered my total debit comes to {$42000.00}. My total credit comes to {$40000.00}. I should only owe {$1400.00}, a difference of {$510.00}. That 's information using the numbers they 've provided for me. They refuse to acknowledge the discrepancy.
Product: Debt collection

Collection agency Conserve gave my information out including my identification and details about my debt to someone other than myself. Despite them not trying to contacting me before in any way. This surprise has caused long-lasting mental and marital problems I was only recently informed of this incident after I received a notice to collect a debt by the agency. Despite the IRS already taking the debt out of the 2024 return taxes. On top of that they're trying to add a fee for processing, something I am certain is not my debt and can not afford to pay anyway.
Product: Credit reporting or other personal consumer reports

In the terms and conditions of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX, and XXXX XXXX XXXX, they agreed not to share my information with non-affiliates. EXPERIAN, XXXX, and XXXX are not affiliates of the aforementioned companies, nor are they bureaus. The only true credit bureau is the CFPB, which does not furnish consumer reports as stated in federal law. I have a right to privacy, and per the Privacy Act of 1974, as a federally protected consumer, I am now rescinding and revoking any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 5 U.S. Code 552a. Furthermore, per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 15 U.S. Code 6802.
Product: Debt collection

I noticed a debt on my credit report back in XXXX for services back in XX/XX/2021 from a debt collection agency Wakefield in Associates I sent them a validation letter one XX/XX/2021 and they sent me a blank letter back I called them and they can not give me any information about this debt but a balance owed I have tried to dispute this three times with the credit bureau agencies or three and have gotten nowhere with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX {$87.00} XXXX  XXXX {$630.00} XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX  XXXX {$91.00} XXXX {$450.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX & XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX