23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Account name COLLECTION CONSULTANTS Account number XXXX Recent balance {$170.00} as of XX/XX/XXXX/2017 Date opened XX/XX/XXXX Status Collection account. {$170.00} past due as of XXXX 2017. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX Type Collection COLLECTION CONSULTANTS ' lack of response has negatively impacted my credit report. I reserve all legal rights to defend and dispute my credit report records. 

Why wo n't COLLECTION CONSULTANTS provide a deletion letter for paid claims, similar to other collection firms? 

Request : Deleted permanently from my credit report. Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. This is the only remaining inaccurate collections item on my credit report. 
Consumer Finance Protection Bureau ( CFPB ) Case Numbers for CMRE to immediately address :
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to reinvestigate the following accounts from my file. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$190000.00}, XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance XXXX {$2.00}, XXXX XXXX XXXX Balance : {$36000.00}, XXXX XXXX Balance : {$620.00}
Product: Vehicle loan or lease

I have requested all paperwork relating to this loan and repossession and I have received nothing from them. The company never gave me a chance to redeem this vehicle in accordance with XXXX XXXX XXXX
Product: Debt collection

I had contacted Preferred Credit multiple times to resolve the issue of my debt and paid off the amount that they said I owed. The last statement that was given to me was invalid along with repeat phone calls from company stating that I owe them more then what I have already paid to them in full. 

The company continuously kept calling me 4-7 times a day unlimited with no detailed message or a appropriate phone voicemail. I repeatly had asked them to provide me with the correct amount that needed to be paid but all they keep on doing is trying to argue with me and make matters worse. I asked them to cancel the card on file that should of been cancelled 3 years ago but nothing. Everyday I been getting phone calls from different people stating that I owe more then what I was told. When trying to settle the problem the company customer service or representative starts to make assumptions and argue with me.
Product: Student loan

I am being contacted by a debt collector for private student loans that have passed the statute of limitations. I have requested in writing via certified mail not to be contacted further by phone, yet I received another call today, XXXX XXXX, 2015, and this is nearly two weeks after they received notice not to contact. The firm 's name is Weltman, Weinberg, and Reis , Co., L.P.A. based out of XXXX XXXX, OH.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX a credit card with Bank Of America ( BOA ) was fraudulently opened in my name. I did not discover this until the fall of XXXX when a collection agency contacted me. I immediately filed a police report and hired XXXX ( a credit restoration service through XXXX XXXX ) to assist in getting this card off my credit report. In XXXX of XXXX we started calling BOA to get this resolved. Now its been 13 months with zero resolution. 
I have sent them everything they have asked for to resolve, including police reports and other documentation. We have made countless calls to BOA. Its important to note that 3 other credit cards were opened in my name at the same time with 3 other banks. All of those banks released my obligation within a couple weeks of contacting them. BOA has all the information to prove it was fraudulent but continues to do nothing. This has negatively affected my credit as we are now in the process of purchasing a new home- the higher interest rates will cost us several thousand dollars. This needs resolved! I am convinced BOA is not even trying to resolve as they have all the information needed. 
HELP!
Product: Credit reporting or other personal consumer reports

It's taken a lot of time and money to address the following issues : A. INACCURATE INFORMATION ( ADDRESS ) Im requesting that the following address be removed from the report because they are non-mailable address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, B. INACCURATE INFORMATION NO PHYSICAL PROOF OF VERIFICATION/VALIDATION OF ANY DOCUMENTS )- I am requesting that these accounts be deleted for the reasons stated : XXXX. Name : XXXX / Account # XXXX / Reason : ( a ) Failed to send Proof of verification. ( b ) Disclosed nonpublic personal information to a nonaffiliated XXXX  party without getting permission from me in writing which is in violation of the Privacy Act of 1974, 15 USC 6802, and 15 U.S.C. 1681. 2. Name : XXXX / Account # XXXX / Reason : Failed to send Proof of verification. ( b ) Disclosed nonpublic personal information to a nonaffiliated XXXX party without getting permission from me in writing, which is in violation of the Privacy Act of 1974, 15 USC 6802, and 15 U.S.C. 1681. 3. Name : XXXX / Account # XXXX / Reason : Failed to send Proof of verification. ( b ) Disclosed nonpublic personal information to a nonaffiliated XXXX party without getting permission from me in writing, which is in violation of the Privacy Act of 1974, 15 USC 6802, and 15 U.S.C. 1681. 4. Name : XXXX XXXX XXXX / Account # XXXX / Reason : ( a ) Failed to send Proof of verification. ( b ) Disclosed nonpublic personal information to a nonaffiliated third party without getting permission from me in writing which is in violation of the Privacy Act of 1974, 15 USC 6802, and 15 U.S.C. 1681. 5. Name : XXXX XXXX XXXXXXXX XXXX / Account # : XXXX / Reason : ( a ) Failed to send Proof of verification. ( b ) Disclosed nonpublic personal information to a nonaffiliated XXXX party without getting permission from me in writing which is in violation of the Privacy Act of 1974, 15 USC 6802, and 15 U.S.C. 1681. The credit agency stated that these accounts were reinvestigated, and/or verified, however, did not provide physical proof of any documents. One can not go merely on here say. The credit agency shifted the burden to me and instructed me to contact the creditor to verify these accounts. Because of, accuracy a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ) of the FCRA. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA, credit agencies are required to promptly DELETE all information that was not verified. I request that these accounts be deleted immediately.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Consumer Loan

PRESENTMENT OF CORPORATE VIOLATION : MANAGER ON SITE : XXXX : TITLEMAX PHONE : XXXX LOCATION : XXXX XXXX, GEORGIA XXXX GOVERNMENT ACTION/ AFFIDAVIT OF TRUTH MEMORANDUM OF UNDERSTANDING XX/XX/XXXX-XXXX Presented consumers with misleading information about loan terms : XXXX employees asked consumers how much they wanted to pay each month or how long they wanted to take to pay off the XXXX loan. The guide and sales pitch distracted consumers from the fact that repeatedly renewing the loan, as encouraged by XXXX XXXX employees, would dramatically increase the loan 's cost. The guide does not calculate fees or the total cost to consumers of repeatedly renewing the loan instead of repaying it in XXXX days. This makes it difficult, if not impossible, for a consumer to compare costs for renewing the loan over a given period, Here 's the actual government case and the parts to reference what they are in violation of : http : XXXX In violation of sections : XI : Recordkeeping /number XXXX a and b XXXX : number XXXX VI : Compliance Plan/ number XXXX a, b, and c V : Conduct Provisions/ d and XXXX XXXX and XXXX XXXX through XXXX Sales pitch and repayment plan. 

Today, XX/XX/XXXX I, XXXX XXXX XXXX had my property reposessed after the government action had been served in which they were found GUILTY of deceptive sales and business practices. I was deceived into a renewal plan unknowingly where the repayment interest would have been significantly higher. If I would have known that there would have been an interest increase, I would have never initiated a loan with them to begin with. I would have gone to another loan company .... Their records and the initial and renewal contracts will show that they proceeded after this government action in a repossession based on a failure to pay " monthly '' payments which had been deemed illegal. They are making me consent to an illegal procedure of a contract through deception and omission of fees associated with the transaction. A company can not withhold this information with the consumer. XXXX XXXX, the mangager on site at the Titlemax on XXXX XXXX. XXXX in XXXX, Georgia had confirmed that he received the notice which in turn is an admission of proceeding in an illegal action when he repossessed my car in the driveway of my father 's property in accordance with an illegally deceptive renewal contract in which I had defaulted. The default is void when the counterparty operates in illegal procedure. I would not proceed illegally in accordance with them to pay them, so they illegally have stolen my property while ignoring a government action. I am slighted by the outlandish disobservance of a government ruling and wish to pursuit this to it 's fullest extent. 

In American Honor and XXXX, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I've never been late on my auto loan with Credit Acceptance. My husband was recently laid off due to XXXX and my hours reduced at my job. I contacted Credit Acceptance to see if they could defer my loan for 2 months until we get back to normal. I spoke wtih XXXX at Credit Acceptance. She was very rude and unwilling to offer any solutions to defer or make payment arrangements. She stated they are not offering those options and that we had to pay something on the loan anyway. She also stated that they would still report to the agencies that the account is late and that the credit agencies would be responsible for updating the account on your credit report. This company is not willing to assist any customers during this hardship. 

My account information is as follows : Credit Acceptance XXXX XXXX Account Number : XXXX
Product: Debt collection

Unauthorized accounts on my credit reports. Unknown debt-Identity The. Do not belong to me nor did I open them. I need to report the items listed below to vendors and the 3 Major Bureaus.

Please help me remove these items. I can cooperate in anything you need from me. 
I have tried contacting them but they have not been helpful. Thank you! 

* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I tried to dispute items fro my report but i have yet to receive any feedback. Im not sure if it is because of the holidays
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX, XXXX accordance with the fair credit reporting act XXXX  account # 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 collection

I was involved in an incident which led the ambulance to be called, involuntarily. And I was forced by the XXXX XXXXXXXX XXXX XXXX to comply and get in the ambulance. I made them very aware that I would go on my own merit because I knew my insurance would not cover that and they threatened me with XXXX  if I did not comply. I made it abundantly clear that I knew my insurance would not cover it and I did not have the funds to pay out of pocket. And since they knowingly took me anyways, I believe this is against state laws preventing over billing for no life saving medical procedures. Additionally Arc Management sent me a letter stating they do not even have to provide itemized billing because they dont have to and it seems unjust. I would also like legal proof that my forcible entry into the ambulance was justified by life saving emergency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX collect car payments but not accurate. Experian, XXXX and other credit bureaus reports XXXX.
Product: Consumer Loan

BACKGROUND INFORMATION : I took over a 3-year lease on a XXXX Toyota Corolla from my brother-in-law, who no longer needed the car due to his relocation for a PhD program. I agreed to carry out the remaining 10 months of the lease agreement. After paying Toyota the lease transfer fees, I noticed problems in my credit. My FICO credit score is good ( XXXX-XXXX ) -- this has remained generally constant. Nevertheless, I did notice irregularities in my credit report that are disconcerting to me. For instance, my place of employment lists his employer from XXXX state ( I live in XXXX ) and his date of birth appears on MY credit score. This scared me ; therefore, I wrote a letter to Toyota Financial Services requesting they fix the issue and explain how it could have happened and encouraging them to look into others ' lease transfers for such errors. I sent this letter XXXX XXXX, XXXX, and have not received any response in return. I was able to dispute the errors with XXXX, XXXX, and XXXX, and successfully ( I hope? ) have the errors corrected. Nevertheless, I am mostly infuriated that I NEVER received a response from Toyota in response to my problem. I even called Toyota expecting a call back, and they have ignored me at every step. 

Please see copy of letter I sent out last month requesting an explanation and relief by rectifying errors with the major credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on m credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor remove disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

After looking over my consumer report I've noticed that Transunion is reporting a bankruptcy. My question to Transunion is who gave them information on this bankruptcy and did they receive authorization from the courts to report this information? I am aware that it is unlawful to obtain and share my personal information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. It's fraud to obtain and share my personal information without the proper authorization from me or the courts. I understand that you must be compliant to the rules and regulations set in place and ensure that you're avoiding violations. Within this complaint I am asking Transunion to provide me with their source for obtaining the information on my bankruptcy and written authorization from the courts given to Transunion. Included in my complaint is a copy of my dispute letter to Transunion.
Product: Credit reporting or other personal consumer reports

XXXX and Self/Lead Bank have reported the status of my accounts as Charged off but have not sent me the necessary tax forms ( 1099-c ) to report the charge offs as income.
Product: Credit reporting or other personal consumer reports

Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. 
Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations.

BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No.

CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit card or prepaid card

Applied for credit card, made a requirement to update phone number with credit bureau. Complied updated phone number. Called back and verified I met criteria. Still was denied based on same reason. Company wants to re run credit even though I met criteria within time given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( Mercedes benz financial ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint concerning TransUnion and their continued reporting of inaccurate information on my credit report from XXXX XXXX. Despite multiple disputes related to this account ( Account Number : XXXX ), no action has been taken to correct or remove the errors. These inaccuracies are having a significant negative impact on my XXXX XXXX, and the incorrect information is misleading potential lenders. I have made numerous attempts to address this issue by reaching out to both TransUnion and XXXX XXXX, but my concerns have not been resolved. The lack of correction is causing ongoing financial harm, affecting my ability to secure loans and other forms of credit. Additionally, the situation is taking an emotional toll as I struggle with the consequences of these reporting errors.
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from GM Financial. I cant say this more emphatically, I have never had a GM Financial account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Product: Debt collection

National Recoveries, of XXXX XXXX. XXXX XXXX, XXXX XXXX, MN is a debt collection agency. I have repeatedly requested names, dates, amounts of loans, and payees. Only a very small part of my request was sent to me. They are seeking to attach, seize, or take my only continuing monthly financial asset. 

There are multiple violations of the 1977 Fair Debt Practices Collection Act. Section 1692 ( e ) disallows '' ... the seizure, garnishment, attachment, or sale unless such action is lawful. '' There is no lawful court order here, no notice of specific action beyond vague threats, nor service ( nor any aspect ) of legal process. Section 1692i ( a ) ( 2 ) provides that " Any debt collector who brings legal action on a debt ... shall bring action in the judicial district ... '' Seizing one 's Social Security is legal action, but there is no evidence of court or other legal authority action.