23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My wife and I had XXXX XXXX until we moved to a different house. Because of where we were moving to XXXX was not the best service for our new location so we canceled it. It took us a while to get settled into our new home and the equipment got put into a box that we didnt realize never got unpacked until quite a while later. When we came upon the equipment my wife called and spoke to someone and asked if we were being charged for it. They advised that an amount of {$770.00} was being charged for the 3 boxes that we had. She asked if we submitted them back if that amount would be taken off and we were assured that it would be. My wife got a XXXX XXXX XXXX XXXX XXXX return Reciept from the person she spoke with and went to the XXXX store the next day, which was XX/XX/17. The XXXX XXXX XXXX representative said to make sure that we kept the reciept and proof that it was sent back. Just recently I got a credit alert that there was a new debt in collections for {$770.00} through IC Systems on behalf of XXXX XXXX XXXX. I immmediately called XXXX XXXX XXXX and told them what happened provided them with the information from my reciept and the woman I spoke with said no problem she would submit a case and it would get taken care of. That was over two weeks ago and this collection is still on my account. I called back, spoke with a XXXX and she advised the case I had submitted was rejected because it was over the allowed timeline to submit the equipment and I would still be charged with it. I told her that no one had ever mentioned to us since the day we returned the equipment that we would be over a time limit to return it- and we were absolutely not informed that even if they received the equipment back we would still be charged. I explained all of this to XXXX, who basically said that I was told wrong information and there wasnt anything she could do. I find this very frustrating and ridiculous. As soon as we found our equipment we tried to make it right with XXXX XXXX XXXX and were told it would all be taken care of. Why go through the trouble of waiting in line at a XXXX store and hanging onto this paperwork for over a year if we werent going to have those charges removed? I would like XXXX XXXX XXXX to honor their word and remove the charges- since they can confirm they DO have the equipment we sent back to them and we were never told about this mysteries deadline until today when I was told my request was rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont remember inquiries for XXXX on XX/XX/2018
Product: Credit reporting or other personal consumer reports

in XX/XX/XXXX i started a contract for credit auto financing with the company " START AUTO FINANCING " located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX the purchase price was around {$22000.00} i had a downpayment of around {$4000.00} to be accepted for the loan which is illegal and violates the United states code { 15 u.s. code 1662 }. there was an accident with my vehicle on XX/XX/XXXX by XX/XX/XXXX a check was written for {$10000.00} payable to START AUTO FINANCE A gap payment was paid for the remaining balance. now this company is reporting on my credit profile that i owe them a balance of {$2400.00} and has it reported as a charge off .. charge offs are reported as income and income can not be reported on my credit report, which violates { 15 u.s. code 1681 } i requested a 1099 c form and was denied in writing via email.i requested this account be corrected and or deleted to no avail. this company is willfully violating several consumer codes 16 CFR 433.2 12 CFR 1026.23 15 USC 1662 15 USC 1681 i am seeking all remedies which fall under laws and codes thank you XXXX bless
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding my XXXX XXXX  account with XXXXXXXX XXXX XXXXXXXX due to ongoing issues with inaccurate reporting and account tampering. Despite my efforts to resolve the matter, the following issues remain : Inaccurate Credit Reporting : On XX/XX/year>, my XXXX  XXXX  account was reported with two late payments for XXXX and XX/XX/year>, despite the account being settled and showing a balance of {$0.00} as of XX/XX/year>. This inaccurate reporting continues to negatively impact my credit score. The Fair Credit Reporting Act ( FCRA ) requires creditors to report accurate information, but XXXX XXXX  XXXX has failed to comply with this by re-reporting the same late payments that were previously resolved. 

Unauthorized Tampering with My Credit Report : XXXX XXXX  XXXX has repeatedly tampered with my credit report by re-inserting previously disputed late payments, violating the FCRAs reinsertion rules. This has occurred without proper verification or notice to me, which is against the law. Furthermore, I was not informed or consulted during their investigations of fraudulent activity on my account. 

Failure to Address Fraud Concerns : I reported fraudulent transactions and tampering with my account, but the banks investigation did not involve me, and I was not provided with a resolution that addressed the tampering. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be informed during such investigations, but XXXX XXXX  XXXX failed to notify me. 

I am seeking CFPB 's help to have these inaccuracies removed entirely from my credit report, as this issue has persisted despite my previous attempts to resolve it directly with XXXX XXXX XXXX. The re-reporting of false information has severely damaged my credit standing.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. 

( XXXX ) Account - XXXX Currently, my reports shows a 60 day late payment on an account that was in fact paid on time. 

The consumer reporting agencies need to report all information with complete accuracy. 

This account hasn't been late on payments. I've attached a copy of my statement showing payments make during the month that the reporting agency states that were 60 days late. 

My question is how can I be 60 days late without being 30 days late first? 

PLEASE EXPLAIN? The math is not adding up. 

I'm now requesting you Reinvestigate and provide verifiable proof with records showing that I had late payments. 

What's steps did you take to verify? 
Who did you talk to? " Please provided names, positions, contact information etc. 

If this information can't be verified I demand these payments to be updated to paid on time immediately. 

If matter is not resolved in 15 Business Days. 

I will pursue legal action. 

Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I had notified all 3 credit bureaus that I have been a victim of identity theft. Provided them with a Police report and a detailed account of what was not mine on my credit report. XXXX and XXXX had done a proper investigation and removed the accounts. Equifax has yet too. I then sent a follow up letter on XX/XX/20 and XX/XX/20 regarding a XXXX XXXX Account XXXX that I never had. They won't remove this account from my credit report and I've provided them the proper and necessary information they would need to remove this specific account. This account is hurting my credit score beyond belief. I've been denied credit because of it and just want them to do their job and remove this account just like the other 2 bureaus have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Ct XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX RE : Account Number XXXX To Whom It XXXX Concern, On or about XX/XX/XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to XXXX XXXX, XXXX, who place the loan amount of {$2500.00} on my credit report. Since XXXX XXXX, XXXX placed the unauthorized debt on my credit file, my credit have fell below 500. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the many millions of Americans affected by Equifax 's massive security breach. 

Equifax tried to cover up this breach for an entire month while its leaders sold their shares of the company stock. Meanwhile, my credit card was used fraudulently. 

Equifax has not worked quickly or diligently enough to notify affected consumers, instead putting the onus on the public to check their hastily built website to see if they are affected. The onus should be on them, not us. 

Finally, said website sneaks in language in its Terms of Service to try to trick users into waiving their right to sue Equifax for their conduct in this breach, the coverup, and its aftermath. 

All of this is unconscionable and I hope the CFPB does everything possible to punish Equifax.
Product: Debt collection

The aforementioned credit collection agency representing whomever your client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If CONVERGENT OUTSOURCING does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX Chapter XXXX Bankruptcy # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, SYNCB/AMAZON add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

wells fargo has always charged me overdraft fees when I go to ask them to inform me they always say that I overdraw my account. Ive wanted to close it but they say they charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX ( Recent ) has not reported my Mortgage to the credit companies in 6-7 years since I was sold to them from XXXX. Making it look like I do not own property and am not getting the credit I deserve.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively.

These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting or other personal consumer reports

CredCo XXXX XXXX XXXX. 

It is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00} 3 Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} 5 Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I got a Wells Fargo Cash Wise Card and spent more than {$1000.00} in the first three month and did not receive the {$200.00} reward. I sent emails, but was asked to direct my request to another department. Sent them an email thru the system as well. Got an email, that I have to call. Called a representative called XXXX, who claimed to pull up my data, but disconnected the call. Called again and XXXX told me, that the {$200.00} had been credited to another card, which I don't recongnize as my card. 

This all seems to be a big fraud, the promise a reward, make it very difficult to reach anybody, so people just give up and finally they claim to have credited the reard to an account, which the customer doesn't know about nor can access.
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 USC 1681. 
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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

When I refinanced my home in XXXX, I requested that I be responsible for paying my flood insurance because I was uncomfortable with leaving it to them. I was told no. That the mortage company was to manage the payment out of the escrow. For the year of XXXX, my monthly payment actually went up because my escrow increased. In XX/XX/XXXX, I received an email from my insurance company ( who I have been with for 10 years ) and they notified me as a courtesy that my flood insurance was canceled in XXXX and that the recent payment they received was going to be returned. When I called the mortgage company, they had no record of me NOT haveing flood insurance and did not seem to know that it was canceled. The CSR 's response was to immediately tell me I'm out of compliance and that I have to pay for the last year as well as this one. I asked for a supervisor and she refused to the point I had to hang up and call again. I asked for a supervisor again. After the 3rd time of just being told the only solution was for me to pay, I began sending emails through their website. I asked for a Senior Director to contact me to explain what happened. I talked with my own home insurance company and their records indicate that the reason the policy was dropped was that they did not receive the payment in time. I did not get a supervisor until I requested twice. When she called I asked : why did they not pay on time? Why was I not notified that the policy was dropped? Who was responsible for the negligance? And what happened to the funds that I did pay in escrow that were supposed to go to the flood insurance because I did not receive an overage check. As she looked at the notes, she read that the payment was sent in XXXX but returned to the company in XXXX and no one followed up or addressed it after that. Again I asked where was that money? She said that she would look into it and get back to me within 3-4 days. I never heard back from her. I have emailed requesting that she call back and I get emails from lower level staff telling me that I have to pay for the missing year and sending me highlighted copies of my mortgage agreement. I have paid for this year ( XXXX ) but I should not have to pay for their mistake ... especially since they dropped the ball, did not notify me, kept the funds and have caused me to have a higher bill going forward. they keep ignoring my request to speak to upper management. At this point I wonder if I need a lawyer. They are admitting no responsiblity in the error and are trying to make me pay for their mistake.
Product: Vehicle loan or lease

I applied for an extension of credit and regardless of the reason a U.S citizen can not be denied an extension of credit. Being denied my right to credit for ANY reason is unlawful and these corporations know so. Withholding my access to MY securities, is Securities and commodities fraud, a violation of the Equal Credit Opportunity Act, Th

e U.S Constitution and Consumer Credit Protection Act. Pursuant to 15 USC 1691 ( D ) the term credit means the right granted by a Creditor
( ME ) to a debtor to defer payment of debt or to incur debts and defer its payment to purchase property or services and defer payment therefor. 

15 USC 1691 ( D ) - the term 'creditor '' ( ME ) means any PERSON who regularly extends, renews, or continues credit ; any PERSON who regularly arranges for the extension, renewal, or continuation of credit ; or an assignee of an original creditor who participates in the decision to extend, renew, or continue credit. 

The ECOA prohibits discrimination in ANY credit transactions based on race, XXXX, religion, national origin, XXXX, marital status, or age. Additionally, it ensures that creditors provide a written explanation of adverse actions per 12 C.F.R. 1002.9. 

Low credit score, negative credit history, financial status, and or down payment are all " objects '' of a credit transaction whereby discriminatory judgement is used by these corporations to deny you.

Uniform Commercial Code ( UCC ), Article 3 and 9.

Under the UCC, creditors have obligations to ensure fair dealings and good faith ( UCC 1-304 ) and can not unreasonably withhold extensions of credit without a legitimate business justification. UCC 9-610 also governs the disposition of collateral in secured transactions, ensuring fairness.

Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45. 
Deceptive practices related to the advertising or offering of credit are prohibited under the FTCA. This includes ensuring clear, truthful, and non-misleading representations regarding credit terms.

Due Process Clause ( Fifth and Fourteenth Amendments ) : Denying credit arbitrarily or without due process violates constitutional guarantees of equal protection and procedural fairness. 
Commerce Clause ( Article I, Section 8 ) : Federal oversight governs interstate credit transactions, ensuring that creditors adhere to uniform standards. 

Relevant Case Law : American XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Established the importance of fair practices in consumer credit evaluations. 

TILA Cases, e.g., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Reinforced disclosure obligations under the Truth in Lending Act. 

Credit Denial is a FEDERAL OFFENSE, its the unlawful conversion of property via a discriminatory criminal action resulting in the theft and deprivation of MY rights as a consumer as well as the unauthorized use of my SSN ( Credit Card )