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

XXXX XXXX is my name and I am a Federally Protected Consumer and I sent a letter to XXXX XXXX XXXX on XX/XX/2022 about this Illegal Repo. This vehicle was taken without my permission and that's auto theft. This is a direct violation of 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. I noticed that the furnisher failed to put a notice of dispute on this account. This is a direct violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Also the account is filled with errors, inaccuracies, and falsely reporting. The account has failed to notate that this is a repo, it states that it is a charge-off and that is incorrect reporting. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I disputed these inaccurate items over 35 days ago and they havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I sent the letter because this is fraud and illegal to XXXX XXXX XXXX, XXXX, XXXX, and Equifax because I never received any documents. I was suppose to receive the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. That's fraud and Illegal. I provided proof to XXXX, Equifax, and XXXX and they refused to correct information even after I provided proof. That's defamation and willful injury and grounds for litigation. This repo is Misleading and False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). I look forward to your quick response to this matter.
Product: Credit reporting or other personal consumer reports

I have obtained a copy of my credit report and am writing to dispute the following information listed on my credit report with [ XXXX, EQUIFAX ] : Disputed Information : INQUIRIES : XXXX ) XXXX  XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX  XXXX This information is inaccurate because there re no records indicating I applied for any products nor proved for any products with any of these companies. 

Pursuant to 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and promptly correct any errors on my credit report. I have also filed a dispute regarding this information with the credit reporting agency.

Please provide me with a written confirmation of your investigation and any necessary corrections within [ 15 ] days. 

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

On XX/XX/XXXX, my XXXX son who is XXXX accidentally without knowing what he was doing, signed me up for a membership with Equifax XXXX XXXX XXXX for {$19.00}. I absolutely did not authorize this charge. None of it was used of course. And from the minute I realized what he had done I contacted them and have been trying to get this resolved ever since. They refused to refund my money although this was an unauthorized purchase that I did not buy myself. He is XXXX
Product: Vehicle loan or lease

My claim number with US auto sales is # XXXX. My insurance company has settle for the total loss and sent out two payments pertaining my vehicle. My credit report still shows I owe and still making late payments on a vehicle that is declared totaled loss. This needs to be removed from my report and show balance paid in full or removed immediately from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I became aware of my credit score dropping ~100 points in early XX/XX/XXXX. I requested a copy of my credit report and found that I had a mark for 60 days past due on a joint XXXX  's account that I had closed several months prior ( I believe in XX/XX/XXXX ). 

I am frustrated and feel I am not at fault for this delinquency, due to the following facts : 1 ) The account was closed several months ago, and at that time showed a {$0.00} balance both on the checking account and the overdraft line of credit. Why would XXXX 's allow an account to be closed if it has an outstanding balance? Why would they not let me know at the time of closure if there was an outstanding balance? 

2 ) Even though I closed my checking and overdraft accounts, they still showed up in my XXXX 's Bank Online account page. They continued to show a {$0.00} balance, so I had no way of knowing that I owed anything. Even after calling several times to close the account, it still appears on my online account. I have attempted to close this account at least twice and the associate on the phone confirmed it was closed. However, it still chows on my online page with a XXXX balance. 

I proceeded to contact XXXX XXXX XXXX  customer service on XXXX via the XXXX number and immediately arranged payment for the outstanding amount of {$40.00}, which I was not aware was outstanding. I then called back asking how I could remove the mark from my credit score.  After being transferred to no less than 5 departments after about 40 minutes, I asked to speak with a manager in the collections department and was connected with a woman named XXXX. She said I could submit my request to her via email which I did on XXXX. I never heard anything back, and called to request followup information on another day in mid-XXXX. The woman I spoke with took notes on my account and noted that prior conversations had been documented and that I should receive something in the mail to confirm receipt of my complaint. I never received a letter in the mail, so I emailed the collections dept at XXXX to confirm they received my initial email. I have received no response from any of these efforts. 

Finally, I would like to note that I am moving to North Carolina in the coming months and plan to purchase a home, which will require a mortgage. The timing on this could not have been worse, as it has negatively affected my credit score by 100 points. This obviously means a worse interest rate, costing me thousands of dollars -- over a missed payment for {$40.00} which I was never made aware of. 

Please remove the mark from my credit score as I do not believe I was properly made aware of the outstanding balance, and paid it off as soon as I was made aware ( through my own investigation after a significant mark on my credit report ). I have made over a decade of on-time payments to XXXX XXXX  and all other financial institutions with which I have done business. I have worked very hard to get my credit score above 800.
Product: Debt collection

In XXXX of 1999 there was a fraudulent account opened without my knowledge nor permission. Someone opened this fraudulent item and the amount of {$1100.00}. 

I have never had an account with capital one. 
Nor have I received any goods are authorized anyone to open this fraudulent account I noticed it was opened when I went to go try a pre approval and my social was blocked. 

Given that this fraudulent item is so old it is not reporting but it is tied to my social security number at capital one
Product: Credit reporting

Experian.com 's main website banner offer 's a {$1.00} credit report when clicked takes you directly to a page to fill out the form. No where on the banner does it state that you are agreeing to JOIN a recurring membership based website. No where in the process is there a field to opt out of this supposed membership. 

I got a {$1.00} credit report on XXXX XXXX, 2016. I cancelled the credit card I used to purchase the report. The only notice I ever received from Experian was an email requesting I log in and give them my new credit card. I never did because I did not and was not interested in any further offers from their company. 

Today Experian put the charge through on my new credit card, a number I never gave them I never put in their website nor did I ever agree to pay anything with. 

I called Experian immediately when the charge was processed on my new credit card and asked why. The representative on the phone told me he could not help me unless I gave him my credit card number, the new credit card, I absolutely refused to do that and I argued with him until he agreed to find me by my social. 

It is obvious to me that Experian was attempting to get my new credit card number to weaken my ability to dispute the charges. 

Having text below a banner on a website does not tie the advertising banner together with the offer. Then when calling to complain the company tries to strong arm me to hand over my new credit card information because they don ' t have it and they know they do n't have it which further shows I had absolutely no intention of doing business with them nor do I ever intend to again.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed from my account. These are the accounts - 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have accounts opened in my name while I was XXXX XXXX XXXX, XXXX XXXX XXXX. I have tried to resolve this issue for months now. I have submitted FTC reports, Police reports, etc. Nothing has happened.
Product: Student loan

I took out student loans in 2006 to cover the cost of my attending XXXX college. I needed the loans because XXXX college reused to refund my tuition for a semester that after I had already left the college. I have been paying on my loans for years and the balance has only gone up. During that time I have gotten married and had XXXX children so my financial situation has changed significantly. 

I am currently in good standing with my lender but had to put my loans in forbearance sue to being laid off ( see attached ). While in forbearance I applied for extended my request was denied ( see attached ) on every single XXXX of my loans saying that my maximum terms were already met. Literally they are saying that there is no other option to pay my loan other than to pay them an unaffordable payment or go into default. 

I took these loans out before the financial crisis and they were paid to an institution that ultimately kept money from then XXXX XXXX for a semester that I did n't attend. These loans are following the same unsustainable path of the mortgage crisis and to make it worse the loans are not secured by any type of physical asset. 

Every month I am forced to chose between providing a decent life for my family and making payment to a student loan company that I simply can not afford. I have stayed current on my loans for years, and find it unacceptable that a company with such a horrible reputation be able to do this to my family and myself. 

I want Navient to work out a payment that I can afford even if I have to pay more in terest over the long term I must protect my family today. 

SincerelyXXXX XXXX
Product: Credit card or prepaid card

It's about Barclaycard visa card.

I applied and received this visa card since it offers promotional interest for large purchases. I used it to buy a laptop and an XXXX at the XXXX XXXX. At the time of the purchase, they offered 2 year deferred interest as long as I paid it off before the promotional period. I have been making extra payment to pay off the promotional balance. However, I noticed that there's still a residual balance even after I paid more than the statement balance. I called their customer service on XX/XX/19 and spoke with their representative and their manager. I was told there's nothing they can do because that's the way their system is setup. What has happened is their system has been applying my extra payment to transactions after the statement cut off date first. Therefore, even thought I've been making extra payments, it does not and never will be applying to the deferred interest balance. The only way is for me to clear the deferred interest balance is to make a payment for all transactions as of the date the payment is received by XXXX, regardless of what the statement balance shows. 

What does not make any sense is this is a Visa card. All payments should always apply to the balance on the monthly statement first, not transactions happened after the statement cut off date first. This is not a debit card. I think they do this on purpose so that they can charge consumers extra interest without formally telling them how they setup their system. Once again, another corporate fraud trying to trick honest, hard working American consumers. 

I think XXXX not only needs to revise the way their system is setup, but also need to pay a fine and penalty to all consumers impacted by this fraudulent setup. This is another fraudulent act triggered by corporate greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services, XXXX, XXXX and XXXX ( acct # XXXX ) has failed to update XXXX late payments listed on my credit reports. I was listed as 30days late XXXX XXXX XXXX, 60 days late on XX/XX/XXXX and 30 days late on XX/XX/XXXX. I was told by Wells Fargo that my auto loan was deferred from XXXX of XXXX until XXXX of XXXX. In XXXX of XXXX I resumed my normal payments and discovered in XXXX of XXXX that I was 30 days late because of interest not being paid during the deferment period. I was not informed of interest that needed to be paid during the deferment. 
I informed the rep that the CFPB investigated Wells Fargo and found that they violated consumers and was ordered to pay consumers 2 billion dollars because of unfair and deceptive acts that includes illegally repossessing consumers autos, closing accounts, charging surprise overdraft fees and other illegal activities I also informed the rep of 15USC 1666 correction of billing errors and was refused During this time of the improper credit reporting, I was denied the option to refinancing of my loan with my credit union, denied a line of credit as well as denial of an increase of my current credit cards.
Product: Debt collection

I've told you before, I didn't approve these inquiries and now I'm giving you a last chance to fix it, these inquiries are not mine and its fraudulent. If you don't, I might take legal action for violating credit reporting rules. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies such as XXXX  XXXX XXXX, Harris and Harris, Also XXXX XXXX thats one my credit report is reporting fraudulent inaccurate information to my credit bureaus such as XXXX XXXX, XXXXXXXX XXXX XXXX I have requested that they provide me with a purchase agreement or letter stating its actually my accounts so I may review to see if it actually mine or not. They are violating my laws such as 15 usc 6802, 15 usc 1681b, and 18 usc 1028A. I ask that this be investigated immediately and took of my credit report and also I would like a letter showing that they are being closed and deleted off of all credit bureaus please and thank you.
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint on PennCredit violations under FDCPA and FCRA. This complaint is be submitted without any influence from any third party or agency.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there are inquiries that I don't recognize, I did not authorize these and I did not applied to them nor given consent to the companies to pull up my credit report, it is stressing me out and making me anxious.
Product: Money transfer, virtual currency, or money service

I invested money in a cryptocurrency account and did a few investments and my investments have increased and now I am unable to get into my account.I have since found out that this company is being sued for these practices. The company is Coinbase and I have about XXXX invested at this time but with my investments doing so well I would say that number has more than tripled. I have tried numerous times to contact this company but I am unable to get any help.I have been locked out of account for almost 2 weeks and I am losing money daily.
Product: Checking or savings account

A woman names XXXX XXXX my aunt who was only to hold onto the check because me and my family had lost her home living in the car and unfortunately she deposit the check and endorse it without me being aware and deposited a check made out to me XXXX XXXX from the lawsuit winning she endorsed my name on, and Chase bank allowed her to deposit the money to her account. She refuses to return the money I contacted the banks they told me to reach out to the writer of the check I reached out to a lawyer they have not responded. And it is a {$30000.00} deposit from XXXX law that.
Product: Bank account or service

I am beneficiary on my Dad 's left-over IRA. Luckily, he had warned me that different rules applied to these. I asked a BofA branch Asst Manager what the options were -- she said, there were XXXX : keep as is, roll over to my own IRA, take a lump sum. 

Luckily, I talked with an independent Financial Planner, who said that I could NOT roll it over into my own IRA. 

I rec 'd a letter from XXXX XXXX in XX/XX/XXXX agreeing that disbursements would occur on XX/XX/XXXX each year ... ..the first year, it did. 
I have not rec 'd it for XX/XX/XXXX ; when I called the number provided, the young man said the ck had been done on XX/XX/XXXX : it was XX/XX/XXXX when I talked to him, and had not rec 'd it. First he said it had been done, and cashed and put in my checking account ( do n't have one with them ). After putting me on hold, he came back on and said it had NOT been cashed, and he would stop payment and issue another ck, which I should receive in 10 days. I did NOT rec, and called the # and spoke with a nice young lady, who said it had been issued XX/XX/XXXX : was talking with her on XX/XX/XXXX ... said I would wait until Fri. XX/XX/XXXX to give it plenty of time to arrive : it Did n't! Also, have not rec 'd a XXXX yet, from either ck. 

Since tax time is almost over, it is important we rec these asap. 

Any help would be greatly appreciated! 

When my XXXX had XXXX and I was his POA, they would not let me cancel his credit card, even with all of the correct paperwork. It only got resolved when I filed a Better Business Bureau, and also a CFPB, complaint. 

Neither my father, nor husband had any problems with BofA ( XXXX males ). I can only assume my problems stem from being a woman.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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: Credit reporting or other personal consumer reports

1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. 
US 15 USC 6802 US 1692 XXXX had a data breach and my information was leaked. 

XXXX XXXX XXXX XXXX XXXXXXXX NEEDS TO BE REMOVED FROM XXXX AND XXXX UPDATED ON EXPERIAN.
Product: Credit card or prepaid card

Synchrony Bank charges excessive fees. I was incorrectly charged interest on purchases which were made during last statement period, as per agreement with the credit card company it shouldn't charge interest until payment for the purchase is overdue. I missed a payment for previous statement XXXX by a day, so I should only pay interest on XXXX which would be 26.99 % of the XXXX totaling about XXXX. During the last statement period I made one purchase on XX/XX/25 for XXXX. The last statement charged me a late fee of XXXX which is correct and XXXX in interest charges. The interest charge explanation showed that my the balance which was subject to interest rate was XXXX. I called Synchrony and they waived the interest but lied to me that I qualified for a interest waver rather than admit that there is a problem in their statement calculation.
Product: Debt collection

Genesis Credit management claims that I owe {$260.00} due to a broken lease. After contacting them they asked me to provide them with a copy of my resident lease during the period of the broken lease. I complied, sent them my present lease for the last 3 years along with a copy of the police report yet they refuse to delete the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score dropped nearly 30 pts from XX/XX/XXXX to XX/XX/XXXX, however absolutely no changes were recorded during that time. I've called Equifax twice and both times I was just read back my report to me. Equifax is the only bureau that reported this drastic change with no actual changes in the reporting on my account, therefore the score should at the very least have remained unchanged. 

It's also concerning that Equifax staff and supervisors report being unable to see credit score history. If they can not see the changes month to month, how can they search for errors and potential data breaches, fraud etc.