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

Im accordance with the Fair Credit Reporting Act. This of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : US DEPT OF EDUCATION XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX  XXXX  # XXXX Account : XXXX XXXX XXXX  # 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 man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a dispute to remove information from all 3 credit reports and it was.t done.
Product: Credit reporting or other personal consumer reports

The car has been paid off in full. The account is still showing negative on my credit report this need to be updated to not reflect a negative impact.
Product: Checking or savings account

There was funds taken out of my account unknowingly..Tried to fix problem but didn't get anywhere...
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute the inaccurate information on my credit report for account XXXX XXXX XXXX Account # XXXX. Despite previously disputing this account, the information remains inconsistent and continues to violate the Fair Credit Reporting Act ( FCRA ), which requires that all information on credit reports be accurate, complete, and verifiable. The continued reporting of inaccurate information constitutes a violation of the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ).

The account in question contains discrepancies in the following areas, as well as others : High Credit Limit : The reported high credit limit on the account is inconsistent across different updates to my report.

Date Last Active : The reported date last active is inconsistent and changes with each reporting update. 
Date of Last Payment : There is also an inconsistency in the date of the last payment on the account. 
These inconsistencies suggest a failure to maintain maximum possible accuracy as required by Section 1681e ( b ) of the FCRA. Furthermore, by failing to correct these errors after my initial dispute, Experian may also be in violation of Section 1681i ( a ), which mandates that credit reporting agencies reinvestigate disputed information in a timely and reasonable manner.
Product: Debt collection

Synchrony Bank sued me for amount and had trial on XX/XX/XXXX. 
They debt belongs to XXXX since since XX/XX/XXXX. 

They are dually and illegally attempting to collect on the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my XXXX credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B, this information must be blocked immediately until the investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 i sent transunion letters about inaccurate fraud account on my report it is violating 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 XXXXXXXX XXXX XXXX XXXX : XXXX Balance : {$92.00}
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX that I wish to sell. Over a span of months have called and talked to their financial company XXXX different times. Sent an email to their head of customer service. No reply. Every time hear that's too old to be on our system will get it some other way and send it to you. Last person I talked too ( XXXX ) said she would find it and send it to me. Nothing. 
I filled a request with Hyundai motor XXXX headquarters in XXXX XXXX, CA. They said nothing they could because it was a separate division. Not even send my request over. No followup calls from anyone at Hyundai finance. Completely stonewalled and in the mean time I can't sell the car to generate money I need
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXXXXXX XXXX XXXX XXXXXXXX and account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to get a free copy of my credit report online via the XXXX site. I went online and chose TransUnion as the company from whom I wanted the report. During the identity verification process, one of the questions was structured as follows : Which of these people lives in or owns property in Texas? 
a ) Unfamiliar name ... 
b ) Unfamiliar name with surname same as mine ... 
c ) Unfamiliar name ... 
d ) Unfamiliar name ... 
e ) None of the above. 

Now, Texas is a big state. While I don't personally know that any of these people live in or reside in Texas, I'd be willing to bet that somebody with each of those names lives there and/or owns property there. So, I can't choose any of the names provided because I don't know for sure, and I also can't correctly or truthfully choose " none of the above, '' because it's likely that one or more people with those names DO live/own property in Texas. 

There was another similar question which I don't remember. After being denied my credit report, I called TransUnion and complained about the format of these questions, i.e. that they can not be accurately and truthfully answered as written. The TransUnion people were unhelpful, insisting that the questions are generated by " the system '' and that the correct answer would be " none of the above '' because " obviously none of the other choices apply to you. '' I don't think that's good enough. Because of the poor wording of the questions, I was denied an online copy of my own credit information, and now must wait for a copy in the mail, an inconvenience for me. I assume there are others in the same boat. 

Moreover, I feel strongly that for something as important as an identity verification for a credit report, sloppy wording of questions should not be allowed. A person should not have to " fudge '' their answer just to get a copy of their own information. What other sloppiness exists over at TransUnion? There have been many stories in the news about poor handling of consumer data. This type of question, and the HelpLine employees ' tone-deaf response, only reinforce the notion that the credit reporting companies don't really care about protecting the data of the consumers whose information they collect and mine for profit. Aren't there minimum standards for handling of consumer data? 

Thank you for your attention to my complaint.
Product: Debt collection

XX/XX/2020 I was called by a person who said there name was XXXX.who worked for Nationwide Recovery Systems They asked if if my name and SSN matched what they had on their records. They read the last 4 of my SSN to me prior to even confirming I was who they were looking for. This is PII and should not be given out to frivilantly. I have recently changed my number, and I am concerned that they may have called others and given out PII. Once I asked how many others they had released my PII to they hung up. 

I called back to talk to a supervisor, and they said that was not PII and something they do regularly. 

the last 4 of someones SSN is very sensitive and used in all kinds to places as a security code. I want a list of who else they called and gave my information to.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/2022, my identity was stolen and someone opened a credit card with XXXX XXXX Credit Card and maxed the card out using my information. I froze my credit after this occurred ( using online measures and calling the reporting companies ). This issue was resolved and I was deemed not responsible for the activity, at which time, all inquiries regarding the card were removed from all reporting agencies except TransUnion. I am requesting that both of these be removed from my credit report as quickly as possible. 

2. On XX/XX/2022, the same credit card company XXXX XXXX XXXX placed another inquiry on my credit report through TransUnion. This inquiry was not requested nor authorized by me. I have filed a police report for this incident in accordance with guidelines given to me on the phone by the TransUnion representative. I am requesting that this be removed from my credit report as quickly as possible.
Product: Credit card or prepaid card

Received a XXXX debit card from Square , IncXXXX on XX/XX/2021. Instructions with card was to activate card through their Cash App. I did not request this card. A phone number or contact information for Square , Inc. was not included in mailing. I have no way to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion purposefully offer you a free credit report that would still cost {$1.00}. They have not made it clear to the user that by signing up for the free credit report, they would automatically sign up for the monthly payment too. They do not offer refunds so they took my money for free, causing my credit to go down. 

This is not just unethical but morally corrupted. This is predatory behavior and should never the practiced anywhere. The fact that they have a dedicated page to say they do not offer refund should tell you how many people have contacted them about this issue. Please stay away from this company is my solid advice. Don't make the same mistake as me.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance in updating my personal information with Transunion, one of the three major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date. 
Below is my correct personal information : Name : XXXX XXXX Birthday : XX/XX/year> Phone Number : ( XXXX ) XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already attempted to update this information directly with Transunion but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.
Product: Debt collection

I am a victim of identity theft. In XX/XX/XXXX, I noticed a fraudulent account added to my credit report by Affirm Inc Open Date XX/XX/XXXX, Account Number - XXXX, Balance {$1200.00}. I filed an official Police Report with the XXXX Police Department reporting the fraudulent crime. I also notified the credit bureaus and disputed the information. In XXXX, XXXX, another account from Affirm Inc was added to my credit report AFFIRM INC, Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00}. I again disputed this fraudulent account and filed an FTC report to report the crime but yet this information remains on my consumer credit report. This fraudulent account # XXXX is now causing severe financial hardship on myself and my family. This is a direct violation of my rights under The Fairs Credit Act and Affirm is in violation of the Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to the credit reporting agency to dispute the following account: XX/XX/XXXX or XX/XX/XXXX. This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor cannot verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 b In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information
Product: Vehicle loan or lease

I leased a XXXX  XXXX XXXX  back on XX/XX/2017. 

Upon leasing the car, i set up a direct debit payment plan so i would not of had to manually pay each month. 

In XXXX of 2017 i received a notification that my first payment was not made although i set up the auto debit. 

I reached out to Honda numerous times throughout the last 2 years to remove the derogatory mark from my credit report, although they have owned up to their mistake, my credit report still shows the derogatory mark of one late payment of XXXX. 

I supporting documentation from Honda stating that they removed their late and that i do not have a derogatory. I then had to mail this form along with an explanation and a bank statement to XXXX, XXXX and XXXX. 

Please have XXXX, XXXX  and XXXX remove the mark, thank you,
Product: Credit card or prepaid card

I have been a Citibank credit card customer since XXXX. I have always paid my bills on time, and just recently in XX/XX/XXXX paid off my balance and at this moment have an {$180.00} credit on my account. I know I used it in XXXX XXXX XXXX. Yesterday, I gave my daughter, who is an verified user ( her name on the card ) her Citibank card. She is on her way to XXXX XXXX, XXXX and needed to use this card for travel expenses. However, the card would not work today at the airport in XXXX. We live in Oklahoma. I attempted to log into my Citi account and was blocked by supposed safety issues on both XXXX and XXXX. Was not able to access any of my info. Then called Citi to learn by the automated system that my account was closed due to inactivity. After waiting over 20min to speak with a to a CSR , he would not tell me anything, he said he could not discuss my card with me and I should received a letter in the mail in 7-10 business days. He would not say when the letter was mailed or when my account was closed. I never received a notice stating my account would be closed. I have no access to my statements or accounts at all. He would not tell me anything, yet the automated system would. He just kept repeating that I would have to wait 7-10 days and call the number on the letter, which will probably be an offer to apply for another card. NO THANK YOU!!!! NEVER! 

This has put my daughter in a very difficult potentially dangerous situation to be traveling without access to a credit card. 

I will make my situation well known. 

I appreciate any assistance.
Product: Student loan

On XX/XX/XXXX, paid {$15000.00} to EdFinancial Services, my student loan service provider. The bank information was all correct and I had sufficient funds in my bank account to make the payment. The portal shows I made the payment on the XXXX, followed by a line that says " Payment Reversal '' on the same day. They did not notify me that the payment was reversed nor did they give a reason for the payment reversal. This means on XX/XX/XXXX, I was charged interest on {$15000.00} MORE worth of loans than I should have been. I had tried to contact EdFinancial Services to see why this happened and they have not responded for over XXXX weeks. I believe they knowingly reversed the payments of many people who attempted to pay before the XX/XX/XXXX forbearance ending in an attempt to charge more in interest payments from student borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on numerous occasions, via online dispute, mail and telephone calls, to obtain all information Experian used to validate/verify an erroneous account listed on my credit profile - XXXX XXXX XXXX. Attempts to verify this account with Experian have been fruitful. The other two credit bureau 's, XXXX and XXXX were unable to verify this erroneous account belonged to me and promptly deleted the account. Attempts to have this erroneous account or deleted by Experian have been futile. I have been the victim of identity theft and have been fighting with erroneous information on my accounts, for the last two years. I am at my wits end, as this erroneous account has lowered my credit score, has prevented me from obtaining additional credit and gainful employment. I am at my wits end with Experian 's lack of response to my letters sent in 2020 ( XXXX, XXXX, XXXX ). My last recourse is to speak with legal counsel if they can not provide validated/verified proof that this erroneous account belongs to me, along with all methods used to gather data.. 

I want Experian to provide to me all information, data and and efforts used to validate/verify this debt. If they can not do so, then this erroneous account, must be deleted from my credit file.
Product: Student loan

Ed Financial Services account number XXXX XXXX XXXX XXXX Parent Plus loans I was approved for loan forbearance effective XX/XX/year> - XX/XX/year>, with payments resuming XX/XX/year>. 

EdFinancial instead began billing me for payments due XX/XX/year> and has inaccurately reflected my account as past due, despite me making on time payments in accordance with a first payment due date as determined by Loan Forbearance Approval documents provided by Ed Financial Services. 

I have repeatedly called and asked to have my account corrected. Dates of those interactions are : XX/XX/year> - where an associate described this as a known error XX/XX/year> - I was assured request was being worked XX/XX/year> - Again assured request was open. Spoke with manager who advised he was escalating XX/XX/year> - Again assured request was open and being worked. Spoke with another XXXX who advised he was escalating and adding more notes, as credit team had objected to the corrections XX/XX/year> - account remains incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # has violated my rights. 

15 USC 1681 section 602 states I have rights 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 purpose.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2021 my phone was either lost or stolen I'm not sure which one. On Saturday evening I had all kinds of unauthorized activities happening with my bank account and I bank with BOA. My other checkings account was hacked the previous month and I had to get another account. I had a charge through my business XXXX that was refunded. I had a {$400.00} XXXX payment that was unauthorized for a dog from some strange and unusual name. I have 3 dogs and my husband won't even let me look at another one. I also had a charge on there from Florida and I live in South Carolina. I tried to call the police and they stated I could not do a report because I was not for certain if the phone was actually stolen and it was a possibility that the phone could be retrieved later on if it was lost or misplaced. I have been doing a lot of reading about XXXX and fraudulent transactions and how there is no protection for consumers.
Product: Vehicle loan or lease

My vehicle was repossessed after missing one single payment due to my pay date changing at work because I was hired permanently. There was no consideration of me putting down a large down payment and making numerous attempts to settle the outstanding balance owed to redeem the vehicle. 
Not only was the car repossessed but outrageous charges were piled on top of the fee making it nearly impossible to redeem the vehicle. 
I tried numerous of times to settle with paying the amount past due but every-time i called to make the payment the amount changed. 
I have then tried reaching out to the towing company numerous occasions from calling XXXX times a day to text messages and even going onto the website to schedule an appointment and not being able to. I have yet to redeem my personal items and they refuse to give me my belongings without me giving them money. I have text messages This is illegal. 
I am very disappointed in the way the company has handled me as a customer. 
I would like to redeem my personal items for XXXX as a resolution and I would also like for this fraudulent company to delete this repossession They are charging me XXXX for a XXXX  car