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

Absolutely horrible, horrible, horrible company!!! They steal your money and make a bunch of promises that they are in no position to keep! They are unethical, fraudulent, dishonest, thieves! When I called to cancel and stated I want my money back, over {$2400.00}, they told me they spent it all! I dont know where how or they spent it, but it wasnt on anything do with me! I asked for documentation on how my money was spent/distributed, and I was told they didnt have a record of that! That, is stealing!!! They took XXXX ACH drafts, {$400.00} each for a total of {$2400.00}. They did nothing, nor is there any record of where my money was deposited, let alone how it was distributed! None of my cc companies have been contacted. I received a letter from one of the credit bureaus that what the company is doing is against the law and they are not authorized to be doing what they are doing on my behalf and that their practices are illegal! I had been asking for documentation for several weeks! Sent several emails which questioned what they are doing. They just kept taking money! When they take your money there is zero visibility to any bank account tied back to me or what they promised they would be doing on my behalf. In fact, they just use an open ACH draft, so the only way to stop them from taking my money was to close my checking account! Its all sketchy and bait and switch scam!!! Run, run, run!!! I want my money back and I want it now! I will also be filing a claim with the attorney general and I would encourage anyone else who fell victim to their thievery to do the same. They need to be shut down!!! They also use the business name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX {$1300.00} XXXX XXXX  {$4200.00} XXXX XXXX XXXX XXXX {$3000.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
Billing Errors ( # billing ) Exercise Your Rights ( # exercise ) The Investigation ( # investigation ) Complaints About the Quality of Goods and Services Inquiries - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was notified that Mr. & Mrs. XXXX XXXX XXXXXXXX assigned their Judgement over to Coachella Valley Collection Service ( see attached Stipulation For Entry Of Judgement dated XX/XX/XXXX, Acknowledgement of Assignment of Judgement dated XX/XX/XXXX, Correspondences from Coachella Valley Collection Service dated XX/XX/XXXX and XX/XX/XXXX. 

A few weeks ago I came across an article that stated the 3 credit Bureau 's back in XXXX decided they would no longer report Judgements against individuals credit reports. I have provided XXXX, XXXX  and XXXX the same data and have open disputes showing the collection account as reported by Coachella Valley Collection Service is actually a Judgement and should not be reported against my credit reports. The first report decreased my FICO score which ruined my credit as I can not refinance my condo, get a personal loan or a credit card with a $ XXXX credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.
Product: Debt collection

i was in a auto accident on XX/XX/2014 i was taken to XXXX XXXX .This is a bill that they sent to collection. It was for XXXX & XXXX .I did call XXXX and told them that they would get paid when the case was settled, well they turn it over to Peter Roberts Assoc Inc for collection.i also talked to them and they said not to worry about it that when it got settled to contact them. It is still in my lawyers hands so It got on my credit report. I feel this should never happened I would like this matter taking off my credit report. This made my credit score go down. I always pay my bills and i`m proud to have great credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I contacted Equifax in regards to my credit report because they are reporting inaccurate information. As I tried to dispute the information they refused to comply and help with the inaccuracies, I spoken with XXXX, who was in the corporate office in XXXX, XXXX She was very unprofessional, rude and left me on hold for over XXXX minutes while she pretend to assist me with my credit only to tell me that she could be of any assisted to me,
Product: Credit reporting, credit repair services, or other personal consumer reports

PayPal credit ending in XXXX. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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: Consumer Loan

This financial institution gave me a vehicle loan and as stated in the lease I was told that if i was ever to lose my job that i could turn in the vehicle and claim a financial hardship so that it would not go on my credit report. I have made numerous phone calls to contact XXXX who is supposed to he in charge of this and never recieved a reply. I have faxed them the documentation they requested from my previous employer stating that I no longer work there and every attempt I have made to contact them regarding this has been ignored and now this debt is in my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Credit card

I reported a fraud claim to Chase Bank on XXXX charges, XXXX for the amount of {$520.00} at XXXX XXXX. The XXXX called me and rudely insinuated I had benefited from the charge and that my statements were inconsistent, even though when I followed up with XXXX XXXX to find out more details, the investigator had key details wrong like that the person had used the card in-person -- they had, in fact, used my information online and picked up the order through curbside carryout. I reported the incident to my local police department so that XXXX XXXX can obtain security footage to verify the fraud claim.
Product: Vehicle loan or lease

On Monday, XX/XX/2018 I went to go finance a XXXX XXXX through Capital One at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I want to file a complaint against XXXX XXXX XXXX because the financial representative stated that my rate would be 1 % higher if gap insurance wasn't taken. I was pressured into taking the gap insurance. After contacting Capital One the following day, I was advised that my rate would've been the same without gap insurance. XXXX XXXX used unethical sales tactics and blatantly provided incorrect information to intimidate me and force me to accept the gap insurance. By accepting this gap insurance, I increased my loan-to-value and my amount financed which adversely affected the amount of interest that I pay over the life of the loan and my monthly payment. Gap insurance is optional and could've been obtained outside of the dealership. This is a violation of TILA. Consumers shouldn't be pressured with false information to obtain a product or service that they may or may not want. I attempted to resolve this issue the following day by contacting the general manager at XXXX XXXX. The conversation ended in him telling me that I needed gap insurance. Nothing has been done to resolve my amount financed or interest rate which should be lower than it is. I would like XXXX XXXX XXXX to be investigated for violating consumer financial protection laws. Georgia residents need to be protected.
Product: Debt collection

I received extensive XXXX services approximately XX/XX/XXXX my daughter received some minor services on the same date XXXX XXXX 2 to be exact they charged for 4 total she never received 2. I paid up until XX/XX/XXXX and I continuously asked for an itemized statement showing that the 2 charges of {$180.00} each totaling {$360.00} were removed and that I would not pay any additional money until I received this statement. on XX/XX/XXXX I went into the office and spoke to an employee XXXX who stated my account balance was $ 300- {$400.00} but he did n't understand the accounting of it and that XXXX who was in charge was on vacation and he would have him call me 2 weeks passed and I called and left message with XXXX for XXXX to call back he never returned my call. On XX/XX/XXXX XXXX text me stating my account would go to collections for non payment I advised him I have never received an itemized statement as I had requested he stated I could request from collections agency. I received a collection letter on XX/XX/XXXX in the amount of {$740.00} I will also be sending a letter to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 5 accounts that do not belong to me and I have opened an Affidavit notarized it for Identity theft and opened A Federal Trade Comission Report as well as reached out to the bureaus and the furnishers with all these documents and still nothing I hear crickets. Is this fair to treat citizens in this manner I am a victim and I feel like I am being ignores these accounts were never opened or used by me why is it in my report and why are the bureaus letting this happen???????? 

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX SVCS Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There have been many instances where I tried to have an auto repossession removed because my ex wife was made responsible for that account in my divorce to no avail. There are also accounts throughout my report that have been written off by the original creditor which makes me question the validity of accounts being reported. Any help with these matters would be greatly appreciated
Product: Credit reporting or other personal consumer reports

This is my first endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Old addresses are still on my credit report at all three bureaus and an collection account that is on my report that is unauthorized and I have no bearings and no signed paperwork with them. Do not have permission to be put on my report, illegal.
Product: Credit card or prepaid card

On XXXX XXXX Reliacard deactivated my card for suspect fraud and said I had to fax current ID, social security card and previous years tax docs, I promptly did that and after 25 days they finally verified I was that actual person but they still never activated my card saying I had to go to local unemployment office and I did that and was informed by them that they were putting my weekly benefits on my card and had nothing to do with the deactivation. The Reliacard Representative then told me that the XXXX is holding up money and theres nothing they could do, now every thing in my house is about to be disconnected can you please help me
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX  XX/XX/year> XXXX. XXXX - XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX ( {$950.00} ), XXXX ( {$600.00} ), XXXX ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX ) ( Open XXXX XXXX ) ( COLLECTION )
Product: Vehicle loan or lease

XX/XX/2018 I sent Santander a letter explaining that I fell on hard ship and ask them to lower my payments and forgive me for my late payments. They replied saying that's against their rules and regulations. The box value of the car is way less that what I purchased this car for and it's hard for me to try and get another car because Santander balance is too high and other dealers won't make a deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX  Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING XXXX COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Mortgage

I have a mortgage that was taken out in XX/XX/XXXX ( an 80/20 loan ), due to the issue of the housing, I stopped making the payment. In XXXX, I filled for bankruptcy and the loan for both mortgages were discharged. I understand now that it didn't remove the lien against this house and it is still part of my home. I have been in contact with the lender and requested a payoff statement ( which one has been received, 2nd Mortgage ) however they will not provide one to me as my file was purged and they will not provide me with a release. I am trying to sell my property and this has been holding up the sale. My escrow company has tried to get them to provide what we need and they have been giving me the run around as to what my next step is from them with no assistance.
Product: Credit reporting

I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX to an alleged fraud or extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that I believe to be inaccurate. 
I request that you investigate this disputed item and remove or correct any inaccurate information within 30 days. 
Please send me written confirmation of the actions taken on my dispute, as well as an updated copy of my credit report once the corrections have been made. Please investigate this information and correct any errors as soon as possible : XXXX XXXX XXXX.
Product: Credit reporting

I have disputed this information on numerous occasions. Experian 's refusal to properly investigate inaccurate information appearing on my credit file leads me to one conclusion, I am being discriminated against based on my ethnicity and gender. I have several Virginia XXXX accounts appearing on my credit report that lists incorrect information. XXXX account list a monthly payment of {$0.00} and last payment made in XXXX and XXXX. I am requesting a copy and proof of how the payment was made. I have not made any payments to Virginia XXXX XXXX since XXXX. All Virginia XXXX XXXX accounts are reporting beyond the legal reporting time of seven years. Experian refuses to update my credit report to show that these items are in dispute which is a clear violation of FCRA. I continue to receive conflicting information from Experian regarding this dispute. The Virginia XXXX XXXX accounts also list monthly payment terms and date opened incorrectly. Please stop discriminating against me and remove this inaccurate information from my file.