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

JPMCB CARD XXXX XX/XX/2015 15 U.S. Code 1666B - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with charge off, I do not have a contract with TOYOTA CREDIT CORP, they did not provide me with the original contract as i requested. This account is on my credit report for more than 7 years and 3 month. 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not late on these accounts I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this. Under USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX SQUIRREL XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I called Equifax to get my credit report on XX/XX/XXXX  and after receiving it noticed there were some hard inquiries that do not have permissible purpose according to 15USC 1681b.I also attached my credit report and letter showing that XXXX is in violation of the FCRA.
Product: Mortgage

Our loan was sold from XXXX home finance to Fay Servicing in the middle of our modification process XXXX 2016. We were told in writing by XXXX fay servicing continue the modification process. They did not. They almost immediately foreclosed and sent no notice of foreclosure sale as required by law. They were notified nobservice of foreclosure sale had been given. 
But they continued with the sale on XXXX/XXXX/16. Under the national mortgage settlement agreement a mortgage transfered or sold to a new servicer/lender from XXXX of the Big XXXX banks must still be considered for a modification if the process has already been started. 
Fay Servicing has violated this and Tennessee state law for no notice of foreclosure. 
We need help keeping our home.
Product: Credit reporting or other personal consumer reports

COMPANY PORTFOLIO RECOV ASSOCXXXXXXXX XXXX XXXX XXXX MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM PORTFOLIO RECOV ASSOC/SYNCHRONY BANK, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 
PORTFOLIO RECOV ASSOCXXXXXXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION. 
-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF PORTFOLIO RECOV ASSOC/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified from my credit monitoring services of a frudlint inquirie on my XXXX credit report, then on XX/XX/XXXX I received XXXX more alerts of frudlint inquiries from XXXX XXXX I also notified them immediately to get them removed from my XXXX credit report, I've reached out to both companies with no luck I would greatly appreciate your help with removing theses frudlint inquiries from my XXXX credit report
Product: Credit card or prepaid card

In XXXX of XXXX, I received a statement for my bill cycle stating that my remaining balance was {$380.00} and my next minimum payment of {$29.00} was not due until XX/XX/XXXX. So, on XX/XX/XXXX I made a payment of {$380.00} to pay off my account. This payment was made successfully and accepted by Comenity before the end of the billing cycle. However, Comenity still charged me interest on the account stating they charge residual interest and that due to me paying my XXXX balance with a minimum payment the leftover balance from that billing cycle accrued the residual interest which was not tacked onto my statement until XXXX. The issue with this is that this information was not made transparent to me in my billing statement. So, after paying the balance in full in XXXX I anticipated that there would not be any future payments to be made on this account since my payment of {$380.00} had gone through and my balance was {$0.00}. With this understanding in mind, I did not notice the {$5.00} charge for residual interest, and this caused a late payment to occur on my account when I have never missed a payment on any of my accounts. If interest occurs in XXXX, it should be stated on the following billing statement, XXXX. Not two billing cycles later in XXXX. I would have paid the balance easily had this information been made apparent to me in a timely manner however Comenity took interest accrued from XXXX and did not post this amount to my statement until XXXX. After, I made the full balance remaining payment in XXXX. I have since tried to reach out to Comenity however their customer service representatives intentionally place me on hold for over 30 minutes at a time and then drop my call because they do not want me to speak with a manager. They are harsh and unprofessional often laughing callously at me for asking questions about my account details. They are argumentative and refuse to disclose to me their employee ID numbers so that I can not make official complaints against them. This blatant disregard for the laws of transparency within financial institutions shows mishandling of their fiduciary responsibility to consumers like me who pay bills on time or early consistently in order to maintain good standing with the credit bureaus. I feel sabotaged by this company and a massive breach of ethics has been made. As such I please ask that an investigation be conducted in order to ensure that the handling of my and other individual 's accounts is not being subjected to fraud.
Product: Student loan

Payoff payment was incorrectly applied to multiple loans rather than being applied to a single loan for payoff. I contacted AES about the incorrect payment application and they responded that it would take 7-10 days to correct the misapplied payment. After 10 days the payment was still not correctly applied and the loan, which should have been closed at this point, was still open with a balance and continued reflecting on my cosigner 's credit report and my credit report. This was after multiple phone calls during the 10 day period in which they assured me the payment would be properly applied. On my most recent call the original representative would not transfer me to a supervisor. After being transferred to another representative and waiting, I was finally transferred to a supervisor. The supervisor informed me that it was not possible for them to immediately apply the payment. AES was not able to correct the misapplied payment and the loan is still showing as outstanding, affecting both mine and my cosigner 's credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX At no time did I give them permission to inquiry about my credit status from these companies, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights. Please delete this misleading information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union has violated my rights. My XXXX account was reported to the three bureaus on XX/XX/2023. 15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. In addition, this company failed to contact me prior to reporting this information to the credit bureaus. When I contacted Navy Federal they stated that they sent notices via mail, however, I didn't receive any notification regarding this matter.
Product: Credit card or prepaid card

Home Depot Citi Bank They are not helping about Coronavirus. Not able to make my XXXX payment due to unemployment. They will still charge late fee.
Product: Credit card or prepaid card

Merchant : XXXX ( XXXX ) XXXX Representative XXXX XX/XX/2023 XXXX about ally/Ollo credit card transaction Cancel Confirmation XXXX XXXX Cancel Confirmation XXXX XXXX I called the merchant to asking them to cancel this transaction as they were fraudulent which they agreed and proceeded to cancel and provided me with the above confirmation numbers. 

XX/XX/2023 was the date the transactions happened XXXX XXXX : Ally Card Alerts Card XXXX Did you purchase XXXX {$39.00} XXXX XXXX XXXX  ; XXXX {$12.00} XXXX  ; Reply Y or N Reply HELP for help ; STOP to Cancel and I called ollo / now ally bank to notify them of this issue. They just made it even worse. After waiting for 1hr on the phone proceeded to have a very unpleasant conversation with one of their finestdisputes department who went ahead and said they can not guarantee a refund at any point of the 90day investigation. A very concerning issues considering the credit cards are federally insured. To make it even worse the merchant confirms that they refunded the funds. Shockingly now I have 2 charges of XXXX and XXXX on my card. It this point Im even more confused.
Product: Credit reporting or other personal consumer reports

Can you delete these inquiries? I don't know anything about them, and the company did it without my permission.
Product: Mortgage

In 2008 I was awarded a judgement against Washington Mutual and XXXX XXXX in 2008 in the XXXX Cook County Courts for predatory lending and origination and servicing fraud. Two months later Washington Mutual went into bankruptcy and the FDIC became the receiver. I submitted a Proof of Claim and was approved. However up to now the FDIC has not had the funds to make me whole. They claim that XXXX XXXX has a XXXX dollar claim and have no additional funds available for smaller creditors. What options are available to me as a small claimant, the judgement being less than {$50000.00}? Senator XXXX 's office has contacted the FDIC on my behalf to get this information for me, but has been unable to do more. 
Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Avant credit is paid in full with XXXX. Was disputed last year and corrected. Company is now reporting incorrect information Of balance that is a violation of FTC act and Federal Truth In credit reporting act. 

In addition, my credit report have hard inquiries unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the rest as I was told it was a soft look with No Impact. They sent additional hard pull unauthorized to several banks which is reflected by the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A INVESTIGATION REQUEST OR SUPPRESSION OF THE ACCOUNT. THIS IS A DEMAND TO PERMANENTLY DELETE MY INFORMATION FROM YOUR RECORDS. 
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel. 
LEXISNEXIS has violated 15 U.S. Code 1681b ( 2 ) by furnishing these items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. PROVING I GAVE YOU WRITTEN PERMISSION TO FURNISH THESE. I ALSO DEMAND THE LEXISNEXIS VERIFICATION METHOD. WITHOUT RECOURSE. I HAVE WRITTEN TO YOU TWICE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.
Product: Debt collection

This is the same complaint I submitted with XXXX, which was resolved in my favor and removed from my credit report. 

When transferring leases in XXXX, WV, I forgot to change my mail. I transferred my lease to a man named XXXX XXXX who currently resides in XXXX, OH after failing to pay the rent on the lease, leaving me with the bill. 

XXXX XXXX could not get his own family to be his guarantor, so I stupidly became the guarantor. The form requires a social security number. XXXX XXXX used my information to order more credit cards and add charges to them. 

The location of my apartment was at the XXXX on XXXX XXXX in XXXX, WV. They have records of XXXX acquiring my lease and bailing on his duties as a guarantee.
Product: Mortgage

We paid off our mortgage with Bank of America in 2013 and have yet to receive our home title. We have asked multiple times for our title and have been transferred to at least XXXX different people who are " working on our case, '' they have opened at least XXXX cases for us, but there has been no resolution and no response from anyone at Bank of America letting us know the status of our case. We try to contact them via the email and phone numbers they have given us, but they do not answer. We have had our attorney contact Bank of America and they basically denied any wrongdoing ; they claimed that this was due to XXXX XXXX XXXX and a missing assignment. It is not our fault if BOFA sold our loan to a third party or lost it. It has been over two years since we have paid off our loan and Nevada state law requires the owner to receive their title within 90 days of being paid off. We are worried we will never receive it.
Product: Checking or savings account

Months ago, I requested more than several times to lookover and audit the XXXX to XXXX Bank Statements. I recognized a positive amount when the transactions were equal to XXXX  but the deposits and withdrawals were the same exact amount. I spoke to a XXXX that was going to escalate so I could speak to someone to clear up the accounting math that I saw on my statements. Automated messages from my bank portal keep asking me to call their 1-800 number which I call and either hangs up or disconnects after waiting. No acknowledgement that Im still waiting for corrected bank statement ( S ) for XX/XX/2920 to XX/XX/2020.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within XXXX  days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : XXXX  XXXX - XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - {$XXXX} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Debt collection

I have sent 3 certified letters to XXXX  XXXX  and XXXX  asking them to verify accounts per section 609 of the frca. They have never provided verification what do ever of accounts. There reply everytime is account verified per frca. Per section 609 these accounts must be deleated if they can not verify with original document i signed these accounts are account # XXXX. Next account # is XXXX ' next account XXXX.i also have a non medical account that they havnt verified its account number is XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$500.00} XX/XX/2018 XXXX XXXX XXXX {$230.00} XX/XX/2018 I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is wrong information reporting on it. XXXX XXXX  account have been closed and is not longer on my report. Also with XXXX, XXXX, and transunion, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On XXXX  report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX  account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX   XXXX. 
XX/XX/XXXX XXXX/XXXX  inquiry was not authorized by me. I never applied for credit with XXXX/XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

XXXX  XXXX XXXX  account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX inquiry needs to be removed. I did not approve this inquiry. 

Transunion report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not and should not be reporting. 
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 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 ( A ) ( a ) 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.