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

your making my credit score terrible and the info you have is incorrect and not true i was in XXXX  during those years wrong person my info was used before also i just recently found out for multiple things that are not me .that are affecting my credit negatively please erase your remarks on my report thankyou
Product: Vehicle loan or lease

On XX/XX/2021 a vehicle was purchased from JD Byrider of XXXX in Ohio. This was done through a retail installment contract. Prior to the loan agreement being signed disclosures were not given for the cost of the loan ( finance charge and annual percentage rate ). JD Byrider also contracted for attorney fees which violates Ohio XXXX laws XXXX. The loan company was informed of this prior to payments being seized in order to come to a different agreement or settlement. Instead of coming to an agreement or settlement CNAC ( financing company ) used XXXX XXXX XXXX to Repossess the vehicle. Upon repossession XXXX dollars was stolen and to make matters worse XXXX dollars in wages were lost due to work transportation being taken. There's been several attempts made to contact the legal team through their registered agent. No one from the legal department has given an official response regarding this matter. There was a court case attached for reference regarding the issue of attorney fees in a retail installment contract which has been completely ignored. A copy of the Lien Affidavit for the vehicle as well as the full accounting ledger for debits and credits associated with the account have been requested and the loan company refuses to provide these things.
Product: Credit reporting, credit repair services, or other personal consumer reports

RCS FAILED  TO REPORT TO   XXXX   AS PROMISED IN FACT ACT )
Product: Credit card or prepaid card

I had a total of {$14000.00} taken from me through unauthorized fraudulent charges made on my CashApp cash card. The first charge was on XXXX XXXX & the last one made before I discovered that my card was missing & that the charges had been made was on XX/XX/2023. I immediately contact CashApp support & canceled my cash card & filed disputes for each transaction. They approved some of the disputes, & credited my account for some of them, returning approximately {$4700.00} of the funds to me. However they then denied the other disputes & kept the remaining {$10000.00} & then conveniently decided to close my account. They refuse to give me any further information or resolve this matter & I had spoke with the merchant that the charges were made to & they had notified me that they would not counter the disputes so that I would be able to get my money back. However, Cashapp never even submitted them or investigated that or anything they just automatically denied them & kept my money!
Product: Debt collection

Notified by Portfolio of debt owed. Asked for proof of debt. They could not provide proof of debt. I asked them to cease all communication with me since they could not or would not provide documentation. Continue to constantly mail and call even though they could not prove debt
Product: Vehicle loan or lease

I dispute that my account was ever 30 days past due. While there is record of late payment on my account, all my payments were made before 30 days from the prior due date. I know this because i have bank records as well as a record of all my payments. As well as contact with the financial institution several times during the months of which they claim I was late and they have the recorded calls and it was never at any time mentioned to me that my account was 30 days past due. I know this because they would have reported this late status to the credit bureaus, which they never did until it was time to close my account, that of which I had already paid in full on the principal balance and it was only fees that remained. They have reported various dates of 30 days late in XXXX on one report, XXXX on another, and just for the account in general.
Product: Credit card

I've had this card for years. Never missed a payment. But I had two return payments just by bad luck clicking on the wrong bank account. Carelessly and having to stop that payment to make a payment out of a different bank account. They didn't give me any forewarning whatsoever. They just closed my account and took my rewards. They still inval me when I called in saying that in the front print they have every right to take my rewards that I have no recourse to say otherwise. They also said if I don't pay my {$500.00} some dollar bill by the XXXX of next month it's going to start accumulating interest and and therefore start ruining my credit. My rewards are in the XXXX of dollars doing a little bit of research. I found that this bank is known to Stonewall people and basically steal their rewards. I feel totally bamboozled used and abused by a multi-billion dollar conglomerate. Thank you for your time.
Product: Credit card or prepaid card

I have two outstanding credit card disputes ( one dispute is two transactions Claim XXXX and XXXX, and one dispute is XXXX ). I have been working with Bank of Americas credit card dispute team checking the status, providing additional information, etc. These disputes date back to XX/XX/XXXX. 
As you can see from my communications dated XX/XX/XXXX, the credit card dispute team has provided information but they have not completed or resolved the inquiry / dispute : In one situation, the credit card dispute team told me that the two claims had been resolved in my favor ( and the credit was permanent ) but they could not send me anything confirming that information. I pointed out that I did not believe that was correct I provided an example of a claim in which they had provided me such a written confirmation. 
In the other situation, I am still due a credit and looking for similar written correspondence that the dispute is permanent and credited to my account. 

While not in my escalation to the Executive Complaints Team at Bank of America, the process has been confusing an disjointed. For example, during one call to the credit card dispute team, I asked for the fax number to send additional information related to my disputes to Bank of America the Bank of America contact ( in card disputes ) told me that they did not have that information that they could provide for me. In another case, a Bank of America contact provided me information about the disputes process ( i.e., 30 days to complete ) and when I called again another Bank of America contact told me I had been given incorrect information. 
All I am l requesting is that Bank of America confirm in writing the details of the discussions that were provided verbally and confirm that these disputes are permanent and resolved in my favor. The two letters I sent to Bank of America ( dated XX/XX/XXXX ) so indicate ( sections marked My request to Bank of America ). 
While I did not want to file a CFPB complaint, I was very clear that this would be an action step if the Bank could not complete the inquiry. I so informed Bank of America contacts when speaking on the phone. I have also sent this information to the Executive Complaints department ( via certified mail receipt attached ) and through several e-mail contacts. Bank of America has not acknowledged my escalation, and no additional information has been provided.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and also XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX 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
Product: Debt or credit management

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. i am aware of my rights under the Fair Credit Reporting act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing, " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit card or prepaid card

Hi XXXX alone wellspoken complaint about and I'll gift card company but then disappeared so I'm just going to make it short My mom bought me a {$500.00} gift card on XX/XX/XXXX ... .actually 3, One for my sister one for me and one for my step brother puddling {$1500.00} plus the XXXX few on each card. Sisters and brother-in-laws cards worked fine, when I tried to use mine it declined it so I called them and they said I had a XXXX balance someone had bought something on XXXX for {$500.00} even ( how is that possible I don't even have an XXXX account ) I open the card in mid XXXX but the transaction for XXXX was on XX/XX/XXXX so they used the cars before I even opened it. I promptly called vanilla and filed a complaint or dispute as they called it they said it would take 45 to 90 days to do in the investigation. So my hard working XXXX-year-old mom gave me this as a gift for XXXX and it is now XXXX when I still haven't been able to use it. The people on the end of them were very rude, and talked over me, and interrupted me, One representative would contradict what the last one said I probably called them 20 times this XXXX wasting over 12 or 13 hours in my life. So FINALLY I got an email saying the investigation was completely and they were sending a replacement card. So I called vanilla to ask them how long it would take the first representative said 30 days I said okay. I called the next day they told me 7 to 10 days. I called the day after that they told me 30 days. I have a XXXX XXXX this is what I'm getting to .... I told them I'm going to use {$500.00} on the card to file a lawsuit against him for XXXX XXXX because it's been very upsetting waiting on hold 45 minutes and then being treated like this. I had more information the first time I text this but I need to go to bed up for work
Product: Credit card or prepaid card

This Avant Card i only had for a few months who ever, the company took my line of credit and has stated it is done to overlimit activity, delinquency accounts, too high loan balance,, all information is on the credit report & the card company is looking at my report from the start of covid-19 pandemic and during that time i lost one job & was only late paying three crediter due to that job a lost withholding a pay check. before covid-19 and now there is no report of late payments.

the loan balance was there when i apply for this card from the use of the cards is due to vehicle was in need of major repairs and im currently recovering from Hurricane Ian. 

all credit cards has always been paid on or before times. 

all remarks is a personal attack on my Character
Product: Debt collection

I am in receipt of a notice dated XX/XX/2019 from Dynamic Recovery Solutions on behalf of XXXX XXXX XXXX , XXXX to collect a debt of an outstanding balance is {$580.00}. 

Dynamic Recovery Solutions has stated I can settle for {$140.00} or for {$170.00} in 3 payments of {$58.00}. They have also suggested if I do not pay this debt ; it will be reported to the credit reporting agencies. 

As I have stated in previous complaints with CFPB ; I do not recall having medical services to which I owe this debt. I dispute the validity of this entire debt.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I reviewed my XXXX credit report and noticed that there were 2 accounts showing that I did not open and did not belong to me. I reached out to both companies XXXX Synchrony Bank, SYNCB/PPC and XXXXXXXX XXXX immediately and informed them that the accounts did not belong to me and it appears my identity was stolen. I provided my full name, full address, full social security number and I was told that they did not have an account in their system, that matched my personal information. I was then advised by both companies that I needed to submit a dispute against the accounts directly to the credit bureau. 

Per their instructions, I submitted the dispute to XXXX. The response from the dispute indicated that the information was correct, therefore nothing changed on my credit report. I then contacted the companies again, spoke to Synchrony Bank Fraud Investigation Unit ( XXXX ) and was told that they would close out the card and send me documents regarding the investigation. I was also told to complete the fraud investigation form and fax back to them ( at XXXX ). This was completed as well. 

I also contacted XXXX XXXX  again and informed them that the account was not removed from my credit report. I was then told to provide proof of the account that I am disputing. I then faxed a copy of the account as noted on my credit report to XXXX XXXX XXXX XXXX ( faxed # XXXX ). 

I also recently noticed that soon after I started the process, there was an address change on my XXXX and XXXX credit reports, which I did not authorize. I also disputed the address error. Additionally, the incorrect account is now showing on both my XXXX and XXXX credit reports. 

I also filed a police report with my local police department. 

There is currently a freeze on all three bureaus and a fraud alert was also placed. At this time I am waiting to hear back from both companies. 

This has caused a huge burden on me and I can not proceed with conducting my personal business and it is gravely affecting my credit. Any assistance you can provide in resolving this issue in a timely manner, would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Ally Financial for multiple violations, including failure to adhere to UCC compliance requirements and Fair Credit Reporting Act ( FCRA ) violations related to an alleged debt that has been inaccurately attributed to me. This is in reference to CFPB Complaint XXXX, where Ally Financial alleged that I was a co-signer for a loan associated with XXXX XXXX  XXXX However, I have never co-signed for this individual, and Ally Financial has failed to provide any verifiable proof to support their claim. Any individual could have forged my signature, yet they have not provided valid documentation such as a copy of my drivers license, Social Security card, or passport to confirm my identity. Their failure to provide these essential documents constitutes a direct violation of UCC compliance requirements, which mandate proper authorization and verification in financial agreements. 

Furthermore, Ally Financials response stated that this debt was sold to XXXX XXXX XXXX, yet the account is still showing a balance on my credit report. This is a clear violation of the FCRA, as when a debt is sold to a third-party collection agency, the original creditor must update the account to reflect a {$0.00} balance. Ally Financial has failed to comply with this requirement, and I have attached a copy of my credit report as evidence of this continued inaccuracy. Additionally, they have not provided proof of a valid security interest, chain of custody documentation, or proof of considerationcritical elements required for UCC compliance. Since I was never a co-signer on this account, their inability to produce these documents further supports my claim that this debt was wrongfully attributed to me and should be immediately removed from my credit report. 

Due to these violations, I am demanding that Ally Financial remove this account from my credit report immediately, provide a written explanation detailing their failure to verify my identity and adhere to UCC compliance, and update the credit reporting to remove this account as required by law. Additionally, I will be submitting Form 3949-A to the IRS for illegal tax violations due to Ally Financials claim that this debt was sold while still reporting a balance, which may indicate fraudulent tax reporting practices. If this matter is not resolved promptly, I will escalate my complaint to additional regulatory agencies, including the Federal Trade Commission ( FTC ), and pursue legal action for damages resulting from these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting the vehicles I have as paid off, written off or charged off. They have never provided a title or 1099c. If they are going to report it is as paid off I want the title to the XXXX and XXXX XXXX. I contacted XXXX XXXX months ago explaining this and was told this was inaccurate but my Experian report says paid off/written off/Charged of. If it is written off I never received a 1099c and if it is paid off I am requesting the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly protected my most personal information and allowed it to be leaked to unknown parties which could negatively impact my finances. This potentially could cause difficulties and stress at a later date for me and my family. I have placed a 90 fraud alert on my account, however, after the 90 days, I would be unprotected and my information is still in unknown hands. After the 90 days, I am still at risk.
Product: Credit reporting or other personal consumer reports

Please remove this from my credit report XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX 

This names XXXX, XXXX, L ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX are not mine please also update my information. I did not make any inquires or anything with these names. 

the following addresses are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US Code 1681b-The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
-This congressional law clearly states that the consumer report agencies compile information for the purpose of furnishing consumer reports to third parties. So this company is in fact the furnisher of my consumer credit report, which I never gave written instructions. By law they must have written instructions from the consumer to furnish any information pertaining to my private information. This information that is being assembled and evaluated is not public accessible so therefore my right to privacy is also being violated. 
15 U S Code 1681b ( 2 ) permissible purpose of consumer reports- In accordance with the written instructions of the consumer to whom it relates.

15 U S Code 1681b ( 3 ) states to a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 15 US Code 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. With these laws stated you can see how this company is breaking the law by furnishing, assembling or evaluation my consumer information without my written consent or instructions. My private information, which are also identifiers, are furnished by this consumer reporting agency. I demand that this company cease and desist from reporting the following negative accounts on my consumer credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all fed loans and us department of education accounts XXXX and XXXX XXXX XXXX. These accounts are to be deleted immediately upon receiving this. I
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX - XXXX ; XXXX XXXX XXXX ; XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX - XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX - XXXX ; and XXXX XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX is posting false information on my Consumer profile without being 100 percent accurate they are Commiting forgery of a furnished who's not participating in the credit Reporting Act I have asked several times for a reinvestigation to post accurate information on my Consumer profile and they have yet to do so which is hindering me from other opportunities