23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, as I do once a year, I went to www.annualcreditreport.com and requested my credit report from all 3 credit reporting companies. I was able to view the XXXX credit report just fine, but when I went to Equifax it said I needed to call them first. I did call them but was diverted to a phone loop that ultimately sent me back to annualcreditreport.com on the phone. I went through the automated procedure and was told I would receive my Equifax credit report by mail within 15 days. When I chose my XXXX credit report, it said my report was not available at this time and I should mail them a request for it. I found annualcreditreport.com 's toll free phone number online and went through the automated procedure again with the response that I would receive my XXXX credit report by mail within 15 days. 

I have never had problems before getting all 3 of my credit reports on the same day, and I don't appreciate having to settle for getting 2 of the reports by mail rather than being able to view them at home on my secure VPN. I would appreciate if you could tell me why this situation happened and how I can make sure it doesn't happen again. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a denial letter for a store card that mentioned this CRA name XXXX XXXX and their phone number. I have around 15 months credit history in XXXX and have never missed a payment. All major main CRAs ( XXXX, XXXX, FICO etc ) have my rating above 700 but this CRA XXXX XXXX reported XXXX. Even thought they claim they have no part in credit making decision, they do influence credit making decesions with such low numbers in comparison with other XXXX. Something is not right here. I called them during business hours but they only have a voice mail. Their website is asking to send lot of personal information - copy of XXXX, XXXX proof in fax just to give me my free report. They should respond to phone calls about the credit reports but they do n't. I googled about this company and it seems that some people were asked for higher interest rates due to low rating by this company. Something seems off - either major CRAs are wrong or this company is purposefully doing wrong reporting or rating. Please investigate. You should also check if their are other similar complaint against this company XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with equidad in order to add an statement to an account that was closed illegally by the lender. Once the investigation was completed I received an email to see the results. When I tried to access the results the equidad website directed me to call them in order to confirm my identity. I called them and they said they were unable to help me over the phone in order for me to access the results online. They claim they do not have a technical support department to see why I can not access the results online. I spoke with supervisor XXXX who was totally unhelpful and seems like she was making up excuses to get me off the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became involved in a " hit and run accident '' chase in which the police was chasing a truck. I was pulled over to the side of the street when the truck came over and smashed the back of my car while the police was chasing. Police caught the truck and men were arrested.and jailed. XXXX XXXX XXXX police made a report and sent me a copy stating I was a victim and therefore not responsible for my car being destroyed. Toyota Financial took possession of the smashed car.and it was a discharge. 

Toyota Financial included the car on my credit report for {$18000.00} stating it would remain there for seven years and then drop-off Toyota Financial state I write to three credit companies and " request this be removed from my credit report. I did exactly as Toyota requested. I just need a letter from Toyota Financial stating I was not responsible for this " hit and run ''.
Product: Debt collection

XXXX XXXX XXXX IS REPORTING FALSE AND UNVERIFIABLE INFORMATION TO MY XXXX CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Unidentified inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and I have reported this to the credit companies, however, they have refused to remove these accounts. These account were due to identity theft and should not be on my consumer report. XXXX, has failed to remove these accounts and it has continued to ruin my credit and my approval ratings with many companies or to finance something. Prior to hiring an attorney- I deemed it necessary to try this last approach. The accounts are below - XXXX XXXX XXXX XXXX amount $ XXXXXXXX XXXX XXXX XXXX- amount {$2800.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. The identified transactions are not information related to any transaction by me as the consumer : DEPTEDXXXX XX/XX/2017 DEPTEDXXXX XX/XX/2017 Following receiving this notice do not place a fraud alert on my consumer file.
Product: Credit card or prepaid card

While shopping for a XXXX TV I saw they offered financing with 0 % APR for 6 months. I applied, got approved for {$1200.00} and bought a {$400.00} TV. 

The marketing for this financing does not show that it is for a " credit card '' with monthly payments. I never received anything in the mail, until three months had passed and at that time I missed two {$11.00} payments and now have one 30 day late on my credit report. 

I have worked in XXXX for XXXX, XXXX, XXXX XXXX and XXXX and I know how to XXXX  financial products and services and how they need to be explained up front. This was truly mis-leading ( see attached ). 

I need TD Bank to remove the 30 day late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a chargeoff on the XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Source Receivables Management continues to update a previous debt that was already paid to the original debtor which was XXXX. I have not conducted any business with Source Receivables Management nor do I owe or have ever owed them any money. Source Receivables Management has the debt status " closed '' and it should not be on my credit report at all. Last update was on XX/XX/2020 this needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX 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 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
Product: Debt collection

My daughter who is XXXX XXXX XXXX is receiving notices to collect a dept that shouldn't even be in her name.
Product: Credit card

I have had an account repeatedly charged late fees and interest. I was never provided an itemized statement because their online system would never allow me access to my account. It kept saying my information was invalid and would not let me access it even though I input the correct information. And I never received any paper statements. The whole time my account was opened, even though I did make payments for what I charged plus extra, the company still overcharged me with late fees and interest. For example, I made a {$40.00} payment one month, not knowing I needed to pay {$41.00}. The company then charged me a {$41.00} late fee plus {$5.00} interest on a late fee for a {$1.00} payment I was unaware was due. 

When I spoke with the reps to try to resolve this matter, they hung up on me and refused to file any disputes or complaints about it. They told me to just put it in writing and send it to their company. But in the meantime, I will still get charged more late fees and additional interest, which will be reported negatively to my credit. Also, one rep told me they would take off everything but {$41.00} of late payments, and then the final rep who hung up on me told me she would only take off {$100.00} and then charge me more late fees and interest while I have a {$200.00} credit limit and they are charging me late payment far exceeding that limit without me making any purchases.,
Product: Mortgage

In XXXX of 2017, check copy enclosed. BNY Mellon cashed a check and my mortgage company did not received the funds. Mortgage company is XXXX, ( Check enclosed ). When the check was cashed and not credited to me from XXXX, XXXX issued a bad credit rating to me for over 5 years. This caused serious damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/XXXX toXX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods of XX/XX/XXXXthruXX/XX/XXXX XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX/XXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX : balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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: Mortgage

I had a loan with GMAC they went out of business and Owen was my lender for my mortgage I had to hire a consultant to fix my problem with them .they had fraudulent claims on me with my loan I spoke with XXXX attorney general office the issue was resolved after I paid XXXX dollars .they made fake claims against me spoke with people from XXXX who did not have a clue what I was saying I was forced to get a modification now my credit is ruined I wo n't to move and quicken loan tell me Owen states I was two years late on my bills this is because of Owen fraud I need my credit fixed so I can buy a new home and run away from Owen
Product: Credit card or prepaid card

On Sunday XX/XX/2021 I bought a plane ticket from XXXX XXXX using my JetBlue Barclays Card. The cost was {$420.00}. 
Several hours after the purchase XXXX XXXX sent me an email saying that the purchase could not be processed, but didnt say why. 
I called and they said that they needed to validate my credit card and they requested copies of my card and my drivers license. I sent those copies by email. On Tuesday XX/XX/XXXX they charged my credit card for {$420.00} but they still did not give me the plane ticket. 
On Friday, XX/XX/XXXX they still had not given me the plane ticket and they wouldnt say why when I called, so I opened a complaint with the credit card company. 
After one month the credit card company said they cant process the complaint because I never sent them requested documents. THEY NEVER REQUESTED ANY DOCUMENTS. 
I reopened the case against and sent them by fax all the correspondence by email between myself and XXXX XXXX. 
Last week they sent me a letter saying that they closed the case due to insufficient evidence. 
XXXX XXXX CHARGED MY CREDIT CARD AND NEVER GAVE ME A PLANE TICKET! Thats FRAUD, if Im not mistaken. 
I was forced to buy another ticket from another airline.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Product: Credit reporting

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX-accout:XXXX and they have failed to do so.
Product: Debt collection

A company called XXXX called XXXX XXXX closed my account which stopped me from making payments after I got behind. I tried for months to pay online or get in contact and no one opened my account up. Then they have a debt collector look up my wife, call her and threatened to put a lien on my house. I never gave them my wife 's information at all. Then they emailed me and called me today saying the same thing. They said the account was closed as of XX/XX/year> and they are lying they closed the account months ago and therefore I could not even attempt to make a payment. They have blocked me from seeing my payment history, they blocked me from seeing the original date when the account was closed snd now they are threatening me with a lien. 

I do want to be fair and say they worked with me once for 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not adhere and follow the law that a credit agency was given by CFPB when it comes to the timeframe of validation of debt. Per CFPB regulation F subpart b 1006.34 ( b ) : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. 
I am providing the laws that you ( CFPB ) have put in place to protect a consumer ; I have provided proof and sent a certified green card letter to XXXX, XXXX, and Equifax proof that XXXX has not sent any validation of debt for all 18 of my student loans in the 30 days, only a letter saying verify. XXXX only updated and did delete off my consumer account, even with all the documents provided. Now it is your responsibility to have these credit agencies to abide by the federal laws ( you have written CFBP ) by removing all 18 of my student loans from my consumer credit file. Since, XXXX has not complied with the federal laws that are here to protect me ( XXXX XXXX XXXX, I am now requesting for CFPB to have these credit report agencies to follow your law and remove now! I have read the laws on what you as an agency must follow, and you have failed to act. I am not requesting for you to validate the information for me, I am telling your agency that I request for XXXX to validate all 18 of my student loans and I only received one piece of paper without anything else according to CFPB 1006.34, you as a consumer reporting agency is not above any law! As of today XX/XX/XXXX, I just receive a package from XXXX from my original request on XXXX XXXX and Complaint with CFPB XX/XX/XXXX, this is proof that it took 2 months for me to receive any information to my first original request for validation of debt on XX/XX/XXXX. I only receive 1 letter saying that an account is verify and accurate. That letter from XXXX does not follow the guidelines and law written by CFPB, which states what a validation of debt is and what is required by the debt collector/ servicer within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

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

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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

In XXXX of XXXX I notified XXXX XXXX XXXX of a billing error. XXXX XXXX XXXX proceeded to close my account without resolving the billing error complaint and without providing proof of a complete and thorough investigation pursuant to section 15 USC 1681s-2 ( b ) of the FCRA.

Furthermore XXXX XXXX continues to report a charge off on my credit report and to the credit reporting agencies,. 
According to the IRS a charge-off is consider a certificate of indebtness which means that it is income. 
According to 15 USC 1681 ( c ) it is illegal to report a consumer 's transaction history, and must be removed. 
XXXX XXXX continues to increase the balance and past due amount in violation of 12 CFR 1026.13 ( 2 ), 12 CFR 1026.13 ( 3 ). 
XXXX XXXX is violating the privacy act of 1974 by disclosing my consumer record to a person, or to another agency without my written request and without my prior written consent 5 U.S.C. 552a ( b ). 
XXXX XXXX is violating 15 U.S. Code 1681 ( a ) by reporting inaccurate information,
Product: Checking or savings account

When I was born my XXXX XXXXr maybe XXXX XXXX opened up a CD account for me in my name XXXX XXXX XXXX for me to open up when I was XXXX. When I became as of age I was told that there was nothing on my credit report and nothing under my name with this savings account linked to it and that if there have been it had already been distinguished coming to find out for my family down the line that the account had been closed we had a different family member with no permission or knowledge from myself.
Product: Mortgage

My school taxes have not been paid and have went to collections. Multiple charges have been added for late fees and collections. I have called since XX/XX/XXXX with no resolve.