23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hi, I am filling this dispute, Because of Bankruptcy record on my credit report its too old and pass the time limit and it should be deleted from my credit report, Also when i pull my credit report from indipended sourse, the bankruptcy will not show on my credit and somtime it will, butXXXX it will show on thier oficial web site I have contact the all XXXX bureau Company only XXXX '' removed the disputed item rest of XXXX company ( Equifax & XXXX ) has not comply with my request So, I am requesting CFPB please re investigate this matter and have the " XXXX & EQUIFAX deleted the incorrect information thanks XXXX, XXXX
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX 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 or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX. V XXXX ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Credit card or prepaid card

My Citibank credit card was used fraudulently between XXXX for XXXX XXXX transactions totaling {$790.00}. Citi was contacted multi times via phone, email, chat, their website and US Postal service to have the above amount removed from my current balance. They have done nothing to investigate or remove these fraudulent charges from my current balance. A police report was also filed regarding the fraudulent use of my card. I have emails from Citi stating I am not responsible for fraudulent transactions. However, this experience says otherwise and believe they are out of compliance with CFPB and certainly misleading consumers based on their email communications. Evidence attached ( pg XXXX ).
Product: Debt collection

I received a letter in the mail today about my wages being garnished after a judgement was files against me by XXXX XXXX XXXX XXXX. I never received notice of a court date or of being sued for any unpaid debt. This debt was bought by them in 2023 and I was unaware at the time that I had any debt with them previously. I barely make enough to have food as it is, if they are able to take my wages my daughter and I will barely be able to afford to live. Im terrified and angry that these people think its okay to target low-income families for a debt I was not even able to verify.
Product: Credit reporting or other personal consumer reports

Legal action will now be taken as of XX/XX/XXXX Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, XXXX, and Equifax to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to Equifax, XXXX, and XXXX. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off XXXX, Equifax, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

Lead Bank Date Opened XX/XX/XXXX {$140.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX to XX/XX/2019 - 30/60/90/120 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card

I am disputing the charges of {$1800.00} on my Capital XXXX XXXX  ending with XXXX due to poor communication. They just sent me a decision letter and a number to call. After I called them, they sent me an email with a link to upload my documents. However, they closed my case due to timing.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw this account reporting that I do not recognize
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as DELETE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

On my credit report it shows XXXX XXXX with 7 late payments. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 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.
Product: Credit reporting or other personal consumer reports

This payments was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correctXXXX XXXX XXXX XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  I just need everything dispute off my credit report. I cant get ahead in life with this old stuff on here. Help me please. XXXX, transunion, XXXX.
Product: Bank account or service

I opened a Charles Schwab checking account. Charles Schwab requires you to open an individual brokerage account alongside the checking account. I opted out of overdraft protection and margin ( i.e., there was no loan application ). I completed the application process and discovered the next day that Charles Schwab had made a hard credit inquiry on my credit history. 

Firstly, I can not find where in the application I consented to a hard credit inquiry. I called Charles Schwab and none of their reps can point me to where in the application process the account-holder consents to a credit pull. If it 's in the application, it 's hidden somewhere to be intentionally deceptive to the account-holder. 

Secondly, I asked Charles Schwab why they pulled my credit. I received conflicting information. One rep told me that it is SEC regulation for all brokerage accounts. This is not true. A second told me that it 's Charles Schwab policy to avoid doing business with consumers with many bounced checks. This does not require a hard credit inquiry to determine. Either way, nowhere in the application process is the account-holder specifically asked to consent to this credit pull. 

The reasons that this is a major concern is because : ( 1 ) it raises significant privacy concerns when a company deceptively pulls significant credit history on its clients for unknown purposes ( marketing? ), ( 2 ) it is unethical and deceptive to pull clients ' credit history without clearly and directly asking for their consent, and ( 3 ) clients concurrently applying for a mortgage or any type of loan can have their mortgage/loan delayed or disapproved because of Charles Schwab 's deceptive practice of carrying out a hard credit inquiry. 

Thank you.
Product: Credit card or prepaid card

I have a Care Credit account ending in XXXX. Well a few weeks ago I noticed that a promotional balance was not be applied correctly and that at the rate it was going it was going to expire with interest. I contacted them told them and said I would contact the XXXX. Well a few days after that the account was closed and the reason given -Activity on account with Synchrony Bank indicative of high risk of failure to pay. 
Now this is a totally false accusation. I have had account almost 2 yrs never late paid above minimum and paid all my promotional balances off on time. I feel this is retaliation for me complaining. And here is the proof they went and closed my 4 other accounts with different merchants that use Synchrony Bank. All with same reason. A paypal credit, pay pal mastercard, Dick 's Sporting Goods, Amazon and Car Credit. Some of these accounts had XXXX balance and again never late. I feel they also are closing me because I hardly if ever pay interest and pay off all promotional balances before they expire or pay of in month. I ask you please do a XXXX serach and see that this is a common practice with them. Also Walmart filed suit against them for doing similar practices. This is hurting to my credit report and my relationship with each Merchant. My credit report will support me never being late and also I can show statements that show I paid on time and paid more then minimum most months
Product: Credit reporting or other personal consumer reports

I have filed an Identity theft and have a copy of my report as the follow fraudulent accounts are listed capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2 separate inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX are also includes in the description in the report
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX ACCT # 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: Credit reporting, credit repair services, or other personal consumer reports

AFTER A THOROUGH REVIEW OF MY CONSUMER REPORT, I HAVE IDENTIFIED SOME ERRORS AND WOULD LIKE TO FILE A COMPLAINT BECAUSE I REALIZE THAT MY CONSUMER RIGHTS HAVE BEEN VIOLATED. ACCORDING TO THE FAIR CREDIT REPORTING ACT. 15 USC 1681 ( a ), defines the Rules of Construction ( 2 ) ( a ) ( i ) states the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. 
TransUnion is reporting late payments on accounts listed as : USDA Rural Development XXXX XXXX XXXX XXXX XXXX MO XXXX This experience has been created as a late payment on in the month of XX/XX/2023 in the amount of {$140.00}, including a statement of 30 days late being reported. 

This information has been sold to a 3rd party and applied to my account without permission. 15 USC 1681 ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no term in accordance with the consumer to whom it relates. 
I have never provided TransUnion, XXXX or written instructions to report anything to my consumer report, not to mention the late payments/utilizations. 
According to 15 USC 1681 602 congressional findings and statement of purpose states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. This also states the banking system is dependent upon fair and accurate credit reporting. Items run which are reported inaccurately appear on the credit report directly impair the efficiency of the banking system and contribute to unfair credit reporting methods. Inaccurate reporting undermines public confidence which is essential to continue the fair and lawful functions of the banking system. 
The inaccurate reporting of these late payments and my privacy right have been violated due to TransUnion. My Consumer rights have also been violated by allowing late payments/utilization to report on my consumer report. I have previously informed your company to remove this information. With this notice, I am requesting this information to be updated accurately on my consumer report, late payment and utilization reported on my credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation portfolio recov as id theft letter XXXX report and court records
Product: Credit reporting or other personal consumer reports

I reported fraud with XXXX. I have not used my social security number to open any accounts. I went on my credit report because I was denied an auto loan but was confused on why I got denied because I shouldn't have anything on my credit. I looked up my credit report and I seen XXXX accounts that I never knew about or authorized. 

I have a XXXX card account that was not made or authorized by me. It was opened XX/XX/XXXX and it is a total of XXXX  dollars. Also it is a XXXX XXXX card account that was not made or authorized by me. It was opened XX/XX/XXXX and is a total of XXXX dollars. Lastly it is a XXXX XXXX XXXX account that was not made or authorized by me. It was opened XX/XX/XXXX and is a total of XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I took Westlake financial services to arbitration, the arbitration was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as per the arbitration clause the company was supposed to pay for arbitration they decided not to show up for arbitration my affidavit of Truth went unrebutted my default letter went unrebutted as per the law in unrebutted affidavit of truth becomes a judgment because of this I filed a XXXX against this company with the secretary of state, now this company is suing me for defamation because I filed a XXXX against them because they claim I didn't have a judgment but as per the law my judgment is my affidavit of Truth. I would like for this company to be reprimanded for this egregious act that they're trying to bestow upon me.
Product: Credit reporting or other personal consumer reports

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed multiple certified letters to XXXX and Transunion regarding this issue multiple times. They are not getting the issue resolved. I have 22 inquiries from Transunion that I have no knowledge of or nor do I recognize the inquiries. There are only 3 inquires that I recognize from XXXX  out of the 37 hard inquiries on my credit report. 
These are the dates that I sent letters to each credit bureau requesting removal : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my personal information to attempt to open credit card accounts and to take out personal loans. I was made aware through fraud alerts by XXXX XXXX and Discover on XXXX that someone tried to open new credit cards in my name. After looking closely at my credit report, I saw an incorrect phone number and several hard inquiries that I did not authorize ( Discover : XXXX, XXXX ; XXXX XXXX  : XXXX ; XXXX XXXX XXXX XXXX : XXXX ; XXXX XXXX XXXX XXXXXXXX ) XXXX I believe whoever is trying to steal my identity may have also submitted a Change of Address for me as tracking for a recently ordered package indicates that it is being forwarded somewhere instead of delivered to my home address.
Product: Debt collection

The specific concerns I would like to bring to your attention include the collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency is violating my consumer rights by using misleading, misrepresentation and deceptive means. The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Prepaid card

I have had rushcard since 2010 and I get my direct deposit everyother Tuesday by XXXX rushcard has n't posted my direct deposit and also are not showing the money I had on my card previous to my direct deposit. I have been trying to log on to the website for me than 24 hours with no avail and also have been trying to speak with a representative for for than 24 hours to be placed on hold for more than 2 hours each time when I get through to someone. I have bills to pay and children to feed and am getting no reason on why my money is n't available to me I was never informed of a system update or system change that they supposedly are doing this is unacceptable and I need to be compensated for late payments on the bills that I have to have paid. Very angry and frustrated.
Product: Vehicle loan or lease

American Honda Finance Amount XXXX Auto Loan Open on XX/XX/2021
Product: Debt collection

U.S.C 1692 e ( 2 ) False or Misleading Representations in Communications A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
I have reasonable cause to believe that ( AFNI Collection Agency ) is using my nonpublic private information to bring harm to me. They open this account without my consent. 
This Company is putting a lien on my License, and I tried to resolve the issue at hand, but the company refuse. 

UCC3-603 Tender of Payment, if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge.
Product: Credit card or prepaid card

I applied for a Chase XXXX credit card online. It was denied even though I have excellent credit and other credit accounts with Chase. They claim I can not prove I am me and suggested I check my credit reports. I got all three credit reports and none has any false information. I correctly answered ALL of their security questions but they continue to tell me I am not the person applying for the card. I am XXXX, so I have had several names and addresses over my lifetime ( birth name and a few marriages ) but the same name for 32 years, the same address for 16 years, the same phone number for 16 years, etc. I have even had the same email address for more than 20 years. There are not, and have never been, any fraud alerts on my credit reports.
Product: Credit reporting

I am victim of mail and identity theft. Case has been filed and is being prosecuted by XXXX, XXXX Office. I have notified all XXXX credit agencies and, yet, they continue to post fraudulent information. XXXX, XXXX, is latest lender to post delinquency and seek collections, even though I notified XXXX several months ago that the application/s they 'd received in my name were fraudulent. Additionally, my credit has been dropped a XXXX XXXX (! ) points for a new mortgage and not sufficiently paying down on mortgage. This is a refi following a divorce and I have over XXXX equity in the home. PLEASE take control of these companies ; I was refused an XXXX phone service contract by XXXX Bank because of this!