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

I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the listed account below : ( XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXXXXXX )
Product: Bank account or service

I AM REPORTING UNAUTHORIZED TRANSACTIONS MADE BY AMERICAN EXPRESS IN MY BUSINESS ACCOUNT. AMERICAN EXPRESS ASSESSED MY ACCOUNT TO MAKE CREDIT CARD SETTLEMENTS AND COLLECTIONS TOTALING {$23000.00} DURING XX/XX/XXXX-XX/XX/2016. THESE TRANSACTIONS WERE MADE BY A MERCHANT FOR GOODS USING AMX. THERE IS ABSOLUTELY NO REASON MY BANK ACCOUNT ROUTING NUMBER SHOULD HAVE BEEN ATTACHED TO THE XXXX TRANSACTIONS PROCESSED BY AMX. I WAS NOT INFORMED OF THESE ERRORS AND AM VERY UNSETTLED THAT MY ACCOUNT HAS BEEN COMPROMISED. THIS SITUATION HAS NOT BEEN COMPLETELY RECTIFIED AND I AM WORRIED ABOUT ANY CONSEQUENCES WITHE IRS REGARDING THE {$23.00}, OOO.
Product: Debt collection

Southeast Toyota Finance repossessed my vehicle while I was XXXX in 2018. My mother had soda im banking power of attorney and Southeast Toyota would not let her make payments on my behalf, resulting in my car being reposeessed. Once I was in port and had the correct internet access and phone service I needed, I offered to pay the past due and towing fees and southeast toyota still refused to accept my offer. My notarized power of attorney was even sent directly to them.
Product: Credit reporting 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 168XXXX XXXX  XXXX XXXX  XXXX, exprian, XXXX Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 a account without my written instructions
Product: Checking or savings account

Case Id : XXXX PayPal charged be {$2000.00} USD XXXX due to dispute raised with my Bank, XXXX XXXX XXXXXXXX, Paypal is saying that as bank raised dispute and hence they deducted my account with {$2000.00} USDand now paypal asking to pay back that {$2000.00} USDto them. as it is shwoing -ve balacne in my pay pal
Product: Debt collection

XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX To whom it may concern 1. USAA, this in connection to an alledged ( USAA account # XXXX ) debt that needs to be validated pursuant section 809 of the Fair Debt Collection Practices Act ; Validation of Debt.

2. Also, Pursuant 15 USC 49 Documentary ; depositions and wittness, I demand the financial documents/instruments/ and copies of Vehicle Registration filings in accordance 625 ILCS 5/ ) the State of Illinois hold jurisdiction in this matter.

Copy of Vehicle Title or ; copy of offical copy vehicle titlle Inquiry with the State of Illinois.

Either should show USAA as a lienholder in this alledged security interest.

3. UCC 1 Financing Statement a UCC form prepared by company granting credit, which would be USAA. When it is filed appropriately it gives public notice that a creditor has a security interest in collateral belonging to the customer documented in the statement.

4. I demand a copy of the instruments/ documents USAA is using to verify and report this alledged to consumer reporting agencies monthly.

5. USAA if the title is not in your possesion, then where is it and has it?

THIS PAPERWORK WILL FURTHER PROVE YOU ARE INTENTIONALLY AND KNOWINGLY REPORTING WRONG AND INACCURATE INFORMATION TO CONSUMER REPORTING BUREAUS. AS IVE SAID IN PAST CORRESPONDENCE USAA REMOVE YOURSELF FROM MY CONSUMER REPORT IMMEDIATELY OR UNTIL THIS ISSUE IS RESOLVED. 




XXXX XXXX
Product: Debt collection

I noticed a new account on my credit report on XX/XX/2022 by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. They have not communicated with me at all about the biller of the account. I strive to pay bills on time and I'm concerned about this charge that caused over a XXXX pt drop on my score. I do not have any bills or any documents in regards to the account or what's owed. I resolved a similar issue like this approximately 1-2 years ago and my account was cleared. Thanks for your assistance.
Product: Credit reporting or other personal consumer reports

I have XXXX 30 day late on my credit from a XXXX XXXX credit card that I've had in my name for over 8 years. This allegedly occurred in XX/XX/year>, while the world was in the midst of the pandemic. I was never notified of this late and to my knowledge have always paid my credit card on time. Over the last XXXX months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called XXXX XXXX probably XXXX to XXXX times and repeatedly was assured they would correct the XXXX late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed. I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail. I'm simply trying to get this XXXX incorrect XXXX late payments ( from XX/XX/year> ) removed from my credit. I'm currently pregnant and this incorrect information from XXXX XXXX is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining a necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want XXXX XXXX to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the credit bureaus for a while now asking for them to delete these inaccurate hard inquires and addresses on my credit profile, the bureaus keep telling me the inquires and addresses came back verified and I asked the bureaus to show me proof on how they came back verified and I have not yet gotten a response, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( XXXX ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( XXXX ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

In 2014 I rented a car from XXXX, XXXX in XXXX. During the rental period, without damage to the vehicle, the car experienced a flat tire. Upon return of the vehicle to XXXX at XXXX, XXXX, it was determined I was not at fault for the flat. There was no damage to the tire and this was admitted to by the agents to which I returned the vehicle, otherwise in perfect condition. Three months later, XXXX applied damage costs of nearly XXXX dollars to my credit card. I appealed to my credit card company and the charges were reversed. Since, XXXX has turned this debt over to a US collection agency. I am receiving up to 10 phone calls per day. They have not sent a letter to me to substantiate the charges as it appears they are required to. 

I have a perfect credit score and have never defaulted in any debt, nor even been late in payments. I feel that the charges XXXX has attempted to apply to my card post my rental were egregious and bordering on criminal. 

The collection agency has not corresponded with me other than an initial letter in which they asked for my explanation of the debt. They have not substantiated the debt by writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I am unfamiliar with/fraud and they should be removed because I didn't apply to these creditors : EQUIFAX ( 6 ) XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( 4 ) XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 8 ) XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

There were unauthorized debits from my account, that were someone else 's account.
Product: Debt collection

I want to bring to your attention that XXXX has already removed these accounts from their records after acknowledging an error. It is perplexing and disconcerting that your agency, in contrast, appears to have verified these accounts without providing adequate information for verification. This discrepancy raises serious concerns about the accuracy and legitimacy of your reporting. I demand that you immediately delete these inaccurate, erroneous, and unverifiable accounts from my credit report. The persistence of this misinformation not only damages my creditworthiness but is also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am asserting that you do not have the rights to continue reporting these accounts without proper verification, especially when other credit bureaus have recognized and rectified the inaccuracies. Your non-compliance with my previous requests is both inexplicable and unacceptable, and it appears to be a blatant disregard for the law. The accounts in question, as follows, lack sufficient information for proper verification of the associated debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian about them updating the XXXX XXXX charge off each month as an active payment. HOW IS A CHARGE OFF AND UPDATED PAYMENT? Experian is falsey manipulatting the statute of limitations.
Product: Vehicle loan or lease

I recently started a new lease with US Bank But due to some Bank error, I was not receiving statements. A Rep from US BAnk even confirmed that to me in an email as you can see attached.

The bank error caused me to be late on one payment that is currently already paid But no matter hao many times I try to reach ou to US Bank they are refusing to provide me proof that the statements were sent to me even after I was clearly confirmed that no statements were sent. And they refuse to remove the late mark from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Correspondence that my personal information was compromised in the XXXX internal data breach. After being notified I reviewed my reports and learned that an account reporting as XXXX XXXX XXXX XXXX that I have no knowledge of is reporting on my credit report, On XXXX XXXX, I forwarded a certified letter to Experian, and XXXX asking that they verify this account and send me their investigation results or Delete this account which I am requesting, the aforementioned credit agencies has failed to do so, they only comment on my credit file that the account was verified, without and supporting documentation or responded to my dispute. I am initiating this compliant against Experian and XXXX and moving forward with letastl options if this account is not investigated immeditately and deleted.
Product: Credit card or prepaid card

My wife and I each have an XXXX XXXX XXXX XXXX XXXX  credit card issued by Barclays Bank Delaware [ under two ( 2 ) separate accounts. ] We have instructed them on several occasions to desist sending us so-called convenience checks, for which we have no use whatsoever. For a while, no checks, then later they start reappearing again. We are concerned about the possible theft of these checks and their fraudulent use. How many times should we be compelled to waste our time calling them only to be connected to a call center where the representatives -- halfway around the world -- barely can speak intelligible English?

At a time when the President of the United States has cautioned us to beware of all kinds of potential scams and security thefts is it possible for you to issue an order inquiring credit card issuers not to send out convenience checks unless opted-in by their customers? And establish a stiff fine for failing to comply with an opt-out request.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Charge Off from Barclays Bank Delaware for the amount of {$2100.00} is negatively affecting my credit report. I have filed several disputes and no resolution has been made. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I am exercising this right to dispute the charge off on my credit report. 

According to my records, the debt collection practices that have been conducted on my account are in violation of the FDCPA, specifically the provisions outlined in 15 U.S.C. 1692 et seq., as well as the provisions outlined in the FCRA, specifically 15 U.S.C. 1681.

I would like to bring to your attention that under the FDCPA, debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Additionally, under the FCRA, credit reporting agencies are required to maintain accurate and complete records. 



Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 USC 6801, credit bureaus are required to maintain the accuracy and integrity of the information they report. The charge off on my credit report does not meet this requirement. In addition, I would like to bring to your attention that charge offs are considered gross and ordinary income under the Internal Revenue Code, and as such, should be reported as such on Form 1099-C by the creditor. Failure to issue a 1099-C for the charge off may result in penalties for the creditor.
Product: Credit card or prepaid card

I found out additional info because I really did not do this change. 

XXXX XXXX XXXX XXXX is a weed seller. XXXX XXXX is his name. ( XXXX ) XXXX. He is XXXX and had several addresses in XXXX, XXXX, and XXXX. The address that Wells Fargo provided of XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX matches his info which is located on the attached document provided. 

https : XXXX This charge hit my credit card the next day after I went to a local restaurant at the XXXX XXXX XXXX XXXX I have shared this info with Wells Fargo but no response. 

Former Complaint : A charge in the amount of XXXX from XXXX XXXX XXXX his my credit card on XX/XX/XXXX. I saw it on my statement on XX/XX/XXXX and contacted Wells Fargo immediately. I tried to call the number they provided for the vendor and it was a recording to contact your contractor directly and hung up. I called Wells Fargo on XX/XX/XXXX and filed a fraud report for the charge. They then said the charge was a famous Rock climbing place and was in line with how I go skiing with my kids and would not refund it and I would be liable for the charge. They then charged me back in XX/XX/XXXX. They gave me no other information, receipt or ways to contact this XXXX XXXX XXXX. I did not charge this or receive any services or even know who they are. I have tried to dispute again with Wells Fargo and they refuse. I have filed a complaint with the XXXX and gotten no where.
Product: Credit card or prepaid card

Dear American Express, I recently applied for a credit card ( Ref : XXXX ) with your company and was surprised to receive a request for tax documentation. Upon further investigation, I discovered that not all applicants are being asked for this information. I believe this practice to be in violation of federal laws, and I would like to bring this matter to your attention. 

Under the Equal Credit Opportunity Act ( ECOA ), it is illegal for lenders to discriminate against applicants based on certain protected characteristics, such as race, gender, national origin, or religion. If American Express is requesting tax documentation from some applicants and not others, it raises concerns about potential discrimination. 

Furthermore, the Fair Credit Reporting Act ( FCRA ) requires that credit card companies use information that is relevant and necessary to evaluate an applicant 's creditworthiness. If tax documentation is not required to assess creditworthiness, then requesting it could be seen as an unnecessary intrusion into an applicant 's personal life. 

I urge American Express to review its policies and ensure that they are in compliance with all applicable federal laws. I would appreciate a response from your company on this matter and any steps that you plan to take to address any potential violations. 

The letter states We need to confirm your total annual income but it in regards to the Request for Tax Transcripts it states if you do not wish to reveal this information, please do not use this option. 

Since the letter states Tax Transcripts are optional, I am sending American Express my most recent paystubs as proof of income. 

Thank you for your attention to this important matter. 

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

Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. 

The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. 

Trans Union, XXXX & XXXX continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$84.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX 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
Product: Checking or savings account

good afternoon, I am verifying the status of my complaint ID XXXX and it reflects the system that CFPB closed my complaint, which I have not received yet any response from the bank which I have the problem, nor have I notified you that my matter is resolved, I made another complaint where it indicated that the problem has not been solved, but a closed complaint continues to appear, I would like to know what is happening, and because the bank has not yet given me an answer, I really see it unfair to beg for my money, the bank has every right to close my account for whatever reasons it wishes, but the money that was in the account is mine, thank you, please, review my case again. 

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

I sent a letter on XX/XX/2023 to XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S Code 1681a - Definitions ; rules of construction. The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? How did they complete my investigation? What would be a fair resolution to this issue? Please delete the accounts from my credit report. 

Here is my contact info for further information. 

XXXX XXXX XXXX Thanks, XXXX XXXX