23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company send my information to another companies and then they try to collect my debt I have only ss for live and when the pandemic time it is the problem to pay I need your help to stop that because I'm a XXXX  person and have treatment for that sorry my English but I'm try to explain the situation.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them. Please remove the accounts from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : 12 XXXX XXXX XXXX  XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem stemmed from when I inquired online on XX/XX/2023, from a car dealership -- XXXX  XXXX in XXXX XXXX Minnesota. At first, everything was just about getting an idea of what kind of vehicle I liked and needed, they told me they have the right vehicle for what I can only afford., And then they did a hard credit check and applied to banks/ lenders using my credit score. However, I did not push through with the vehicle purchase. Unfortunately, the XXXX  XXXX in XXXX XXXX Minnesota kept on calling and pressuring me about vehicles they say was a perfect deal, at one point a salesman called while I was sleeping and I just frankly told him I had already bought a vehicle. I purchased the vehicle from a different dealership the same week I inquired from XXXX  XXXX in XXXX XXXX Minnesota. 

Next, XXXX  XXXX in XXXX XXXX Minnesota did a ludicrous thing! I started receiving notices in the mail about rejection letters for a car loan. To this day I've been receiving rejection letters from different banks and lenders, the latest was dated XX/XX/2023. So far, I have more than six or seven rejection letters instigated by the XXXX  XXXX in XXXX XXXX Minnesota. 

I am under deep stress and XXXXXXXX over this experience and my credit score plummeted and I want restitution. XXXX  XXXX in XXXX XXXX Minnesota has unlawfully used my name and credit score and consequently tarnished my credibility by purposely applying for vehicle loans in my behalf.
Product: Debt collection

CBCS KEPT CALLING MY CELL AFTER CEASE AND COMMUNICATION LETTERS AND DURING AUTOMATIC STAY BK XXXX. 12 CALL DOCUMENTED SCREENS SHOTS.THEY ALSO WERE CALLING MY HUSBAND AT ( XXXX ) XXXX 15 TIMES AFTER THE SAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX Filed against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NE XXXX Complaint Description : I paid off my student loan in full that is from XXXX! Well past the 7 year minimum for reporting on my credit. When I call Nelnet or mail them asking them to remove the false information they post again like they are getting back at me! After paying off my student loan from XXXX  ( 15 years ago!! ) I have called Nelnet countless times and have sent letters asking Nelnet to please remove their repetitive damaging marks on my credit reports stating that the loan is 120 days late again and again! I have told them to please comply with the fair credit reporting act and have informed them that they can not keep reporting a debt after 7 years and especially after I have paid it in full and have provided them proof of such payment. Nelnet just acts arrogant and high handed and nearly every time I complain they just post it again to my credit report as 120 days late!
Product: Mortgage

I have been trying to work with SPS for over a year in trying to save my home from Foreclose. I continue to do everything that they ask of me, yet I am still getting the run-a-round. It took me from XX/XX/XXXX - XX/XX/XXXX, after sending the same documents over-and-over again, to finally get SPS to confirm they have a complete application and that they would need 30 days to review, that was back in XX/XX/XXXX! But now, SPS is claiming that they need more information, they claim that my son 's contributions have not been verified! How can this be? It 's been verified 2 prior times ... why does it need to be verified again. Also, my relationship manager, XXXX XXXX, who is suppose to be my single point of contact is NEVER available, and when I call I always get someone else! Today we spoke with XXXX XXXX at ext XXXX who was rude, unhelpful, condescending and combative. We asked that we speak with a manager or supervisor and she refused only to give us a separate number to call.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for COVID-19. These late payments were recorded for the account XXXX - XXXX on the dates XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX - reported my account as late, affecting my

credit score unfairly and contradicting the intended protections under the CARES Act. I have previously contacted TRANSUNION and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services.

I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.
Product: Checking or savings account

The customer opened a Wells Fargo Everyday Checking account on XX/XX/2017. The account was opened with a {$200.00} bonus promotion attached. The application reference number is XXXX. 

The customer subsequently completed all the requirements for getting the bonus, however, was declined the {$200.00} bonus ( did not get the bonus ). 

There is one bullet point in the bonus eligibility that may prevent the customer from getting the bonus : You can not be a recipient of a consumer checking bonus in the past 12 months ( limit 1 bonus per customer ).

The bonus qualification requirement and payment date ( attached below ) led to the customer mistakenly thinking the 12-month limit is from the date he received the last Wells Fargo personal checking bonus to the date he shall receive the bonus for this {$200.00} bonus. The customer was approved for this account with the bonus offer attached and fulfilled all the bonus requirements. The language of the 12-month limit in this offer was unclear to the customer and affected his decision for applying for this account.

Attached : Bonus Qualification & Bonus Payment To qualify for this bonus, the customer has to complete the following : " for 3 consecutive months, make a minimum of 10 purchases/payments per month with your new Wells Fargo Debit Card '', and the bonus payment will be deposited as follows : " We ( Wells Fargo ) will deposit the {$200.00} checking bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXX/XX/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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is debt collection reported by XXXX on my Experian credit report that I have disputed because the original hospital XXXX XXXX XXXX has yet to provide me a full itemized bill. I don't care what XXXX certifies or not, because they have refused to validation of the so called debt. During my various requests to XXXX XXXX XXXX for a full itemized bill they changed their payment software so I could no longer access my even if I wanted too. XXXX XXXX XXXX  has violated Federal Law when they continued to refuse to provide me a full detailed copy of charges before this was sent to a zealous collection agency. Now comes Experian who refuses to remove this collection. Now I am not going to be bullied or allow these agencies to continue to break Federal laws. If this is not resolved I seek relief in Federal Court against all three : the hospital, the collection agency and Experian.
Product: Vehicle loan or lease

U.S. Auto sales  closes down and transferred their accounts to Westlake Portfolio Management and it has been a mess. They stopped paying the company that providing the extended warranty that I paid extra for as well as GAP and Westlake does not honor that. They also added time and extra money on to my loan despite having paid on time or extra money over the almost year that i had the vehicle. Westlake calls all day demanding money but can not provide with a contract nor details about the warranty, GAP, or why my loan amount has gone up drastically as if I hadn't made payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

its about credit score, i had XXXX point on XX/XX/2021 but now suddenly it became XXXX on XX/XX/2021. 
i have no clue for this and i have no any action for my financial application.
Product: Credit card or prepaid card

In XXXX I received a bill from Bank of America for {$20000.00} on my card which has a {$10000.00} credit limit. The card is an XXXX XXXX  card that i have only used for purchases with XXXX, {$50.00} to {$300.00} at at time and paid balance when due. I contacted them and they credited the account and started a fraud claim. I also contacted XXXX and found that there were multiple charges for flights and hotels and rental cars thru XXXX charged for this with multiple random people almost all flying from XXXX, I fly out of XXXX always. After 2 months Bank of America denied the fraud claim and put the charges back on my account. They stated that the charges were consistent my previous charges with no explanation of how it could double my credit limit. They are re-opening the claim but leaving the charges on the card which has drastically lowered my credit score and if I don't make payments on it will further ruin my credit. I can not do anything but wait another 60 days to find out if they are going to continue to deny these charges!
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of major identity theft with having my personal information jeopardized in 4 major data breaches, false credit reporting issues, fraudulent use of my SS #, fraudulent personal loan and mortgage fraud. That has become a servere tragedy in my life with losing my residential property, losing my employment, affecting my children and received a letter saying there information was stolen as well. As I have had to move into family members home and ca n't get any financial support to recover from all of this. I truly appreciate your feedback and help. Thank you
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURACIES ACCOUNTS REPORTED. 
SEE ATTACHED BELOW
Product: Debt collection

The XXXX amounts in collections by the Financial Adjustment Bureau on my credit report have never been reported to me by mail or otherwise. I have however been advised of XXXX accounts by mail, in collections that are not reported on my credit report. There are in all, XXXX discrepancies ... I do not know to whom I owe how much and to whom I would pay how much ... .I have never received correspondence about any of it. I am disputing the fact that I just now found out about all this, and why and where did this mess come from?
Product: Debt collection

On XX/XX/year>, I saw that my credit score had dropped because of a collection agency ( Credit Management Company ) reporting me as delinquent. I called this collection agency the next day to ask that they dispute the claim and send me the verifying and validating paperwork. Once I contacted the XXXX on XX/XX/year>, about this company the collection was marked as disputed and removed from my credit, my score still didn't go up though. They said in an email as of XX/XX/year>, that they received my account on XX/XX/year>. I have never heard from this company about settling a debt, not one phone call, email or piece of mail was sent to me so I could pay or settle before they reported to the credit bureaus. I spoke with a lawyer and was told this was against the Fair Debt Collection Practices Act. I also called the hospital from which they said the collection came and spoke with the billing department. They don't know who this company is but did say that emergency room billing could be different. I never received a bill from the hospital for this amount either and I explained that to them. They also didn't bother to responded to the XXXX that they can not provide a substantive response to them about the debt. I'm guessing that's because it's a medical bill, but it would be all redacted following HIPPA laws so I'm not sure how that works. If you look up this company, you will see many complaints about them, and they are trying to scam people out of money.
Product: Credit card or prepaid card

I previously submitted a dispute regarding the charge on my card on XX/XX/18 by XXXX for {$1100.00}. My rental contract included unlimited miles, however, I was charged an additional $ XXXX+tax for mileage on this vehicle. I submitted the original rental contract to Chase, however, Chase made to the decision the charge was valid even though I was charged for something that should have been included according to the contract. In the explanation as to why Chase found the charge to be valid, no actual reason was provided and no documentation or explanation was provided on either attempted dispute. 

I believe this was a failure of the Chase dispute analyst to view the supplied documentation and honor the original contract price.
Product: Credit card or prepaid card

PrepaidDigitalSolutions is not honoring a prepaid card issued by XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Credit Inquiries Dear Credit Reporting Agency, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to request the removal of all negatives items, inquiries from my credit report. As a XXXX XXXX, I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Collection : XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Credit Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681, section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written consent. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX I just recently looked at my credit report XX/XX/XXXX, XXXX saw some hard inquiries that did not have permissible purpose. I list the accounts below. 

. This inquiries has no permissible purpose to be on my credit report. Delete this inquiry, due to violation of 15 USC 168 1b 1. XXXXXXXX XXXX & XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX & XX/XX/XXXX. 
XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX & XX/XX/XXXX XXXX. XXXX XXXX & XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2023
Product: Checking or savings account

On XX/XX/2021 I authorized a transaction for {$250.00} via XXXX XXXX to a local person for a XXXXXXXX XXXX XXXX that I was suppose to receive later that night. We have had dealings in the past so I thought I could trust him but I was wrong. On XX/XX/2021 I sent him a request via XXXX XXXX for the money back because I still did not have the XXXX  in my possession he declined it. I also wrote him messages via XXXX asking if he had the XXXX or not and if not send my {$250.00} back. He never responded so I contacted my bank Chase to dispute the charges on XX/XX/2021. I received a notice on XX/XX/2021 stating the transaction was authorized or correct and they are reversing the money back to the person for the item I never received. I called Chase XX/XX/2021 after noticing my account was overdrawn for over {$200.00}. They informed me that they did not have the authority to get the funds for me because XXXX XXXX is a separate medium and Ill have to go through them to get my money back which is unbelievable because I disputed a {$25.00} XXXX XXXX  transaction through Chase the same day as the {$250.00} transaction. It was approved and final but the {$250.00} was not.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I Sent all XXXX credit bureaus the fraud dispute package including the police report and they refused to block the fraudulent information in my credit file. And will not tell me why they want block the fraudulent accounts... I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me nor should it be on my file, im not responsible for this account. 

1. XXXX/ XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : 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 In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goo.ds, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.