23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Product: Payday loan, title loan, or personal loan

I opened this loan on XXXX XXXX they since XXXX XXXX they are not allowing me to pay the loan off with early payoff ... .Since Fridaay XX/XX/22 I have been attempting to obtain my vehicle 's title that, but Automoney is refusing to accept my payoff for the amount they informed me was {$800.00} on XX/XX/22. Since XX/XX/22 I attempted to make a debit transaction from which a secretary at the XXXX  XXXX XXXX location, rudely hung up on me, while I was attempting to get information pertaining to the huge gap from what I was told compared to the amount my 1 month old loan was. The have charged my loan {$250.00} more than what I was told it would be and I waanted to receive answers but all I have been able to receive were rebuttals in the form of hanging up on me, to not answering the phone nor taking my payoff causing me to prolong getting my title causing a later and higher payment and not allowing me to make a payment is a violation because they would then state that the payment is late or try to take repo my vehicle when they are not allowing me to pay the title off. These people have avoided me paying off this 1 month old title loan when I have contacted their corporate and their district manager whom corparte had call me shortly after that corporate was to have a male distric mangager call me but he never called and sent a message through a XXXX employee at number XXXX that I need to stop calling them, thats when i got upset, but I said they are problaby in violation from that issue so let me write them through this channel yet their practices are nothing like the docuemnt states they are charging more thatn what they signing paaper states and I should not be made pay additional daily fees when I am have an early payoff but they wont even allow me to pay it off i have called 5 stores including corporate and my assumption is they are preventing me from paying it off early and dont want me to pay it off through my debit card which makes me think why are they trying to cause me to add more money to a loan i have paid {$150.00} dollars for a {$710.00} loan yet i still owe {$790.00} with this early payout that is not right and they are refusing me to pay it off i shouldnt have to pay anything since they are violating not allowing me to pay then they will make look as if i paid late, but this is a early payoff please looking into all the codes they are violating..and showing no sign of a early pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this car dealer to pull my credit for credit purposes. I specifically went in to purchase a vehicle cash basis and salesperson knew this fact. He had no reason or authority to pull my credit report. He advised me he needed my social security number for purposes of  DMV  title and transfers documentation but should have never pulled my credit.      XXXX  OF  XXXX  via  XXXX  OF  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Requested On :  XXXX / XXXX /   2016  Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to get this matter straight with XXXX XXXX XXXX on a utility bill that 's not mine. I requested proof that was mine, it is just a computer printout, my signature is not the invoice and the name is not how I use it. According to the fair credit reporting act, which I 've been researching it should n't be on my credit report. I 'm just tired of this company trying to take advantage of me, and TransUnion knows the laws and allows this illegal activity to continue
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress did not send me a bill. I sent them a hand written invoice with a check for {$93.00}. They did not recieve the payment by the due date. They reported this as a late payment affecting my credit score. I wrote them asking for them to remove the negative mark from my credit report. they wrote back saying they where not at fault and could not remove the negative mark. 
This happened once before and fortunately I caught it in time to send a hand written invoice with payment.
Product: Credit card or prepaid card

I'm a member of Amazon Prime through a family member and wanted to take advantage of the 5 % cash back rewards card Amazon was offering. Since I am not directly a XXXX XXXX, I called Amazon on XX/XX/XXXX, XXXX around XXXX and spoke to XXXX from Amazons customer service department to confirm if I would still get the full benefits ( 5 % cash back rewards ). I was assured that if I received the benefits of Amazon XXXX ( such as free shipping ), then I would be eligible for the 5 %. Based on the information received from that call, my concerns were satisfied that I would receive the full 5 % cash back so I opened the credit card. 
On XX/XX/XXXX, I registered my credit card account online and found that I would only receive the 3 %. I called Synchrony Bank who put me in touch with Amazon, who I was told handled the rewards aspect of the card. After speaking with customer service, I was told that I was an " invited guest '' and would not be eligible for the 5 %. 
Had I known I would only get the 3 % rewards, I would not have opened up the credit card, which impacted my credit score. Given that I called specifically to confirm my rewards eligibility, I can't help but feel like this was a bait and switch by Amazon to entice people to sign up for their credit card. 

I asked to speak with a manager and was told they would return my call that day ( the XXXX ). Today, Friday the XXXX, I called back after hearing nothing and spoke with a manager ( XXXX ). I was definitively told Amazon would not be able to grant me the 5 % unless I was a paying XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this good will letter to see if I can get a late payment removed from my credit report. We are in the process of refinancing our mortgage and this is the first time we have been late. We are still trying to get caught up with all our bills from the XXXX XXXX earlier this year. The account is updated now and this want happen again!! This was truly looked over on my part. 

Thank You!!!
Product: Debt collection

XX/XX/XXXX - Noticed collection on XXXX report XX/XX/XXXX - sent a letter asking to validate the debt via USPS certified mail XX/XX/XXXX - received a letter from collection agency XX/XX/XXXX - sent a letter to collection agency stating that I did not received the information requested XX/XX/XXXX - debt was updated on my XXXX report
Product: Checking or savings account

I had an unauthorized charge and requested U.S. Bank put a stop payment. I spoke to a supervisor, who was very rude, Very unhelpful, very condescending, and very demeaning. I asked him what was the previous representative name that assisted me with a previous unauthorized transaction told me they don't have notes. He has no record to see who I spoke to and attempted to hang up on me
Product: Checking or savings account

I was lead to believe I was getting a at home but then the company hammy cash in a check of {$1400.00} on XX/XX/XXXX to help pay for my equipment see it on XX/XX/XXXX to send me {$2400.00} on a check both through email, then on XX/XX/XXXX XXXX cashed in a check of {$650.00} he told me to use the XXXX and the XXXX checks to buy gift cards with {$500.00} consisting of them. They also told me to keep {$250.00} of that {$650.00}. I have made it into my account but on the XXXX. My account reached- {$1400.00}, the check bounce, and when I went to report it with my bank, the investigator came back and told me that all the checks that I put in were fraud but since I used them even though I didnt know they were fraud since I still use them. I still have to pay for the negative debt. FifthThird rejected my ask for help and told me that I still have to pay off the debt.
Product: Payday loan, title loan, or personal loan

I proactively called Paypal Credit about a private party transaction before the purchase of a bicycle to make sure it qualified as a special financing transaction subject to a 0 % interest rate if paid in full within 6 months. Purchase protection was even purchased from Paypal during the transaction. When purchased, the coding was done incorrectly and the transaction was treated as a simple cash advance. When trying to rectify the situation both parties directed me to each other to fix the issue. Synchrony 's representative blamed its policy for not being willing to modify the loan even though their partner made an error. Paypal representative said it was beyond his authority and forwarded me to Synchrony. The consumer is now the one who has to either pay a large sum of money ( unexpectedly ) or pay a very high interest rate because of an error neither company is willing to rectify. I am very disappointed in both of these companies.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$22000.00}.
Product: Debt collection

On XX/XX/XXXX I called into XXXX company to follow up on multiple calls my father had received. My father had been called numerous times asking information about myself. He was told that I should contact by Friday XX/XX/XXXX to avoid further legal action. I decided to call. I spoke to my case worker who told me about a debt from XXXX. She said there was a 2 hour limit to stop further legal proceedings. I had to pay or get served with papers at my address or work address. I mentioned I didnt own this money, that by my recollection this debt had been payed off. She said that they only take written pay off debt notice. To stop the further proceeding I was told to make a payment and could call to cancel the payment plan if I had found my debt payoff letter. I made a {$50.00} payment and commitment to pay {$50.00} every 2 weeks. I called later that day to mention that this debt wasnt reflected on my credit report and asked for proof of debt. I was told I would recieve proof by email by Monday. I also asked for a mailed copy. On Tuesday XX/XX/XXXX the company called me and I called them back. I asked about my payment receipt and my proof of debt. There was no answer. I mentioned that I would not pay them if I didnt receive this information. I was told good luck in court. I called again to get their company name, address, and corporate phone number. I didnt receive any information and was transferred to a supervisor. I was told that due to me making a payment I had restarted the timeline for them to collect the debt. I was never told this information on XX/XX/XXXX. I asked for proof of debt and was told I would receive in email within 1 hour. I have yet to receive proof of debt and receipt of payment. This debt is 8 years old when they are trying to collect on it. I dont have any information about this company other than the name XXXX and phone number XXXX. I was told none of their communication is done through mail and I could only receive an email. Upon researching statue of limitations for Virginia is 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion stole {$20.00} from me. 

These people ARE the credit reporting agencies and they lie worse than any XXXX XXXX " credit '' company. 

Nowhere did they say they were going to charge me {$20.00}. 

XXXX.
Product: Credit reporting or other personal consumer reports

Received today XXXX XXXX several text alerts with codes to a credit karma account. I do not have credit karma. Contacted credit karma who could only tell me that there is not an account in my name. Would not answer if someone was using my number for another account. I also contacted lifelock and experian who told me there is nothing they can do unless the account is in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an authorized/fraudulent transaction. Pursuant to 15 USC 1681 a ( d ) ( 1 ) -the consumer needs to provide written permission or verbal consent to furnish this alleged debt, which you have neither A detailed investigation is being requested pursuant to the FCRA. The consumer is requesting the original contract and the detailed method for the investigation such as who completed the investigation to validate the alleged debt and when the investigation was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out MANY different times in regards to 2 collections accounts being falsely reported by the credit bureaus from XXXX XXXX. I have made many attempts contacting the credit bureaus trying to resolve this matter because its simply inaccurate. I have NO idea who XXXX XXXX  is and I've reached out to them and they've stated that they can not give me information because I was unable to give them the correct personal information ( such as last 4 of my SSN ) attached to the collections account. If the last 4 of my SSN is incorrect for verifying the account to get more information then that would obviously mean its attached to the wrong person aka ME!! A representative from the collections agency said that it may be a mistake as well. I have a son with the same name that it may belong to. I've sent many letters to the credit bureaus regarding this matter and trying to correct it. Its been SEVERAL MONTHS that they are saying its under investigation. Its been WELL OVER 4-5MONTHS. They keep dragging this thing out and I've sent 5 different letters for each month. They've said it'd take 30days for a response and its been MONTHS! Its frustrating because I have a full-time job and when I reach out to the bureaus I get a LONG wait time, hung up on, or the same dam answer that its under review. I am getting exhausted trying to get this inaccurate information off of my report. Its UNFAIR how powerless I feel that I can not do anything about inaccurate information. It should be against the law to effect someones credit file like this with no consequences. AGAIN I have a son with the same name and this is not the first time that our information has gotten mixed up on our credit files. I will be in the process of attempting to sue the bureaus because of this. It disables me from being able to get the credit I know I am eligible for or if I do costs me higher APR 's due to these 2 collections accounts! This is UNFAIR! PLEASE HELP!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Precisely, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Moreover, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft. As a foreign national, my identity has been stolen. My consulate advised me to visit the FTC website. I am not proficient in XXXX, but here is the information. Please help me. This account is not mine. Someone used my information. Can you remove it? Here is the account : XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of Identity Theft And Its Seems as they are still trying to apply for credit using my Information i have a Fraud alert on my credit Files they just tried to apply for credit with the inquiries that i did not give consent
Product: Student loan

My XXXX XXXX XXXXn that was originally taken out with XXXX XXXX is now being serviced by Navient. I discovered that my XXXX XXXX XXXX, which is a 0.25 % interest rate reduction was " disqualified. '' I contacted Navient on XXXX XXXX, XXXX to ask why I was disqualified from this benefit, as none of my contact information had changed, I still use electronic communication, and I use auto-pay. I received a response on XXXX XXXX, XXXX that the benefit had been disqualified " in error '' and it would be reinstated to my account. 

However, going back through all the statements, I have NO way of determining WHEN the benefit was mistakenly disqualified from my account and how much interest has accrued because of it. I have received no response from Navient with this information. 

Furthermore, I have noticed that my variable interest rate has conveniently gone up EACH month as my principal amount of loan has gone down. I recognize there might not be anything to be done regarding this, but I believe this is not a coincidence. 

Thank you for any help.
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. 
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 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. 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: Debt collection

My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit. 

MY OFFICIAL COMPLAINT IS AGIANST SYNDICATED OFFICE SYSTEMS DBA CENTRAL FINANCIAL CONTROL
Product: Credit reporting

There is Fraudulent Information on Credit Reports which were made without my knowledge or permission. But Transunion has failed to give me investigation result.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX to put inquiries on my credit report neither do I have any knowledge of them
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally request the removal of an old account from my credit report that is over seven years old. According to the Fair Credit Reporting Act, accounts that are more than seven years old should no longer be included in credit reports. The account in question is is XXXX XXXX XXXX, which was opened on [ Date ] and has been inactive since XXXX. I kindly ask that you investigate this matter and remove the account from my credit file at your earliest convenience. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

Hi XXXX, I just received copy of my credit report again and I saw this fraud car loan that shall delete from my credit report. I spoke to Mercedes Benz Financial and I was told that this account is no longer in the system and I have the right to have this inaccurate information delete from my credit report. I would like to exercise my right and have this account delete from my credit report since the original lender advise me this account was a fraud.

Mercedes benz sent me the identity theft victim complaint and affidavit which I already sent back to them.

I am aware that, as per 15 U.S.C. Sec. 1681 i { a }, you are required to reinvestigate or delete this fraudulent account within 30 days.
Product: Credit reporting or other personal consumer reports

Its incredibly disheartening to see how inaccuracies on my report are impacting my score and limiting my opportunities. Ive put in hard work to manage my finances, yet Im being held back by errors that shouldnt be there. Its not fair, and its incredibly frustrating.
Product: Credit reporting or other personal consumer reports

this is my follow up complaints to remove the account.. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX {$710.00}