23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, IL. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in Texas. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, Equifax, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 ( XXXX ) XXXX and or XXXX from collection dept at ( XXXX ) had lied to the credit bureau stating I did not make my my XXXX & XX/XX/2021 payment on my car loan. Please see attached ( XXXX ) electronic payment taken from ( XXXX ) in the amount of {$330.00} XXXX XX/XX/2021 Therefore XXXX payment was late/ missed but not XXXX. I been charged false late fees. By XXXX from XXXX XXXX   dept she added false late fee due to breach of contract. 
I believe XXXX from XXXX XXXX  is working with experian to hurt my credit I say this because I filed this complaint to experian not one not twice like 5 times along with NCUA twice showing my contract payment and my payment receipt now I'm showing my electronic payment I had to go as far as paying my bank XXXX $ a hour to look threw my acct and put together all my payment to XXXX Allow me to add I also filled complaint with CFPD on this a couple times here is one complaint # XXXX. If this complaint gets deregulated and closed I'd like the right to escalate this. Thank you
Product: Credit card

I was approved for a Bank of America XXXX credit card, with a sign-up bonus of XXXX miles after spending {$1000.00} within 90 days. I have spent well over the required amount, and my monthly statement has closed. However Bank of America has failed to credit my account with the approximately XXXX points I 'm due. I have specific travel plans, and this arbitrary withholding of my points is directly affecting my travel itinerary. These points need to applied to my account immediately, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i obtained a copy of my current credit report and noticed inquires that i did not authorize and i would like immediate removal from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

It says in XX/XX/XXXX I opened an account with transunion, which then lowered my credit score by almost 30 points. I have not opened a new account recently so I am just confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and thank you so much for this website. I have been a long time customer with Macy 's Department Store, and recently started to have an issue with them. I had received a notification from XXXX XXXX about my credit score. I have and XXXX credit score, my credit score dropped 200 points, because Macy 's reported me 170 days late for non-payment, when I never received a bill from them. I called the credit line I was informed by XXXX, that the bill was sent to an address that I moved from in XXXX. He than advised me that in order to get the derogatory statement removed from my credit report, I would need a confirmation number from the post office. I advised him, I have several other store department credit cards, and never had to do this. I advised nothing could be done until I get a confirmation number. I ask to speak with a manager, this was on XX/XX/XXXX I was transferred to XXXX, she advised me of the same thing. I advised her to date I had not received a bill from Macy 's, she advised me that it was my responsibility to call them, and advise about the change of address, and that they weren't going to correct my credit report. I then called the Executive Office on XX/XX/XXXX, spoke with a representative named XXXX. I advised her of the situation, she basically told me the name thing. I advised her whenever I made a purchase at Macy 's they always verified my information at the the register, such as is you email still the same and your phone number. My information was always correct, so I advised XXXX of that, she told me they called me over 41 times in XXXX of XXXX at a number that I used for my business fax machine, that I never gave out. I advised her when I was ask if my info was correct at the register, that they had my current information, XXXX advised me that, that information doesn't filter down to them, and that I should have called. How am I as a customer suppose to know that the information I gave at the register doesn't filter down? Then she tells me that they didnt report me a a 170 days late it was only 30 days, I then I advised her if she can see that, she could also see that date that I moved in XXXX, it was also on the credit report. XXXX refused to correct my credit report, stating all this was my fault, and that I should have contacted them. Macy 's messed up my credit report, over something that could have been corrected, I have had the same phone number for 30 years, I always pay my bills on time, my credit score dropped 200 points. I want my credit score corrected, I had to end up closing my Macy 's credit card account over this. Thanks
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Violation of Fair Credit Reporting Act Dear Credit Bureau, I am writing to address a serious violation of my rights under the Fair Credit Reporting Act by a creditor. It has come to my attention that the creditor has failed to adhere to the guidelines outlined in 15 USC 1681 section 602, specifically regarding my right to privacy. Furthermore, as per 15 USC 1681 section 604 section 2, a consumer reporting agency is prohibited from furnishing an account without my written consent or instructions. 

I would like to bring to your attention that under 15 USCS 1666b, a creditor is not permitted to treat a payment on a credit card account under an open end consumer credit plan as late for any reason. It is evident that the creditor in question has not followed these regulations, which has had a negative impact on my credit report. 

I kindly request that you investigate this matter thoroughly and take the necessary actions to rectify this violation. Your prompt attention to this issue is greatly appreciated. 

Thank you for your assistance in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX through XX/XX/XXXX {$1000.00} court actions. This bills was not inquired by for my exwife if which we have been separated since and XXXX. I was not informed I just check my credit i contacted them they started bothering me
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX/2024
Product: Debt collection

XXXX wants to me fill this out to report my identity theft.
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX To Whom it XXXX Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

I was not sent anything before they sent to collection and the man tried to say I was not going to pay the bill and I told him I never said that .I was waiting for the final bill .he told me the final bill was XXXX but XXXX was turned into collections and the is XXXX of which I was a long time customer financially I had to cancel services .So now even when the bill is settled it will be on my credit for 7 years .I want it taken off
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information in my report. Accounts : XXXX  {$800.00} XX/XX/2021. XXXX XXXX XXXXXXXX {$2600.00} XX/XX/2021. XXXX - XXXX {$1900.00} XX/XX/2021. Public Record : XXXXXXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, cfpb : branch bank and trust , bb & t, now merged with XXXX XXXX is engaging in OVERT BANK FRAUD AND EMBEZZLEMENT WITH THEIR ATTACHED BANK AFFILIATED INSURANCE AGENT, XXXX XXXX XXXX, AND THEY MUST BE HELD ACCOUNTABLE. 

Most Important, I am in receipt of a letter from your employee XXXX XXXX, vice president XX/XX/XXXXcompliance group manager, threatening me with criminal trespassing if I enter a bb & t bank. Please let that XXXX XXXX KNOW : CEASE AND DESIST, BB & T OWES ME {$870.00} FOR THE FRAUD AND EMBEZZLEMENT THAT OCCURRED ON XX/XX/XXXX-XX/XX/2018 ( TUESDAY AND WEDNESDAY ). This correspondence is to officially AFFIRM FOR BB & T TO CEASE AND DESIST with further communication OR FRAUD effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). BB & T OWES ME {$1000.00}. 

FYI : REGULATION CC IS TO REGULATE HER XXXX XXXX, NOT MINE, TELL THAT XXXX   XXXX TO MIND HER OWN XXXX BUSINESS AND STAY THE XXXX OUT OF ( XXXX XXXX XXXX ) XXXX BUSINESS. 

DEMAND : BB & T NEEDS TO PAY ME {$1800.00}. 

I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL. 

XXXX XXXX XXXX CFPB PORTAL ONLY.
Product: Debt collection

I HAVE ASKED GREAT LAKES entities TO STOP CALLING ME EARLY MORNING BEFORE XXXX XXXX XXXX XXXX AND AFTER XXXXXXXX XXXX. i RECEIVE AS MUCH AS 10 CALLS A DAY.THE REPRESENTATIVE XXXX XXXX THREATENS ME AND IS BVERY ABUSIVE TO ME AS i HAVE EXPLAINED SEVERAL TIMES I AM UNDERGOING XXXX FOR XXXX XXXX AND SHE CALLS REPEADTLEY WHILE i AM UNDERGOING XXXX AND LEAVES HARSH THREATNING MESSAGES IF i DONT ANSWER.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX failed to investigate and notify me about debt validation ; my inform was also leaked in a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account which do not belong to me or were opened without my permissionXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card

I On XXXX I signed a contract with Bank of America. Nowhere in the contract did it state that I had the ability to opt XXXX of Bank of America from disclosing my personal information to third party companies. 
I On XX/XX/2024 I wrote a letter to Bank of America and the credit reporting agencies making them aware that I was exercising my rights as a federally protected consumer and that I was rescinding my permission to share my private non-public personal information with any third-party company including the credit reporting agencies. 
I sent another letter through the CFPB titled " Non-Negotiable notice of permission to share private information '' dated XX/XX/2024. in the letter I let them know that I formally rescission all previously granted permissions for Bank of America and their agents to share or report my private information to any third parties including to credit reporting agenciesThis decision is effective immediately upon your receipt of this NOTICE which they received the notice on XX/XX/2024. 
Bank of America then responded on XX/XX/2024 that based on their review all of the account details are accurate and that they will not be adjusting their reporting like I had requested that they considered my dispute resolved. 

XXXX. LEGAL CLAIMS Violation of the Gramm-Leach-Bliley Act : Title V : Privacy 15 U.S.C. 6802 - Obligations with Respect to Disclosures of Personal Information. 15 U.S.C. 6802. Obligations with respect to disclosures of personal information ( b ) XXXX XXXX XXXX such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form, that such information may be disclosed to such third party. 
XXXX the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and XXXX the consumer is given an explanation of how the consumer can exercise a non-affiliation disclosure opt-out right provided by the financial institution under this paragraph. 
This legislative text establishes a foundational privacy protection framework, giving consumers control over the sharing of their personal information by financial institutions with third parties not affiliated with the institution. My Privacy of my personal information was violated when I wrote a letter exercising my right to opt-out of the sharing and reporting of my private personal information to any third-party companies and the response I got did not even acknowledge the contents of my letter.
Product: Debt collection

LEGAL NOTICE Subject : Formal Demand to Remove Inaccurate Debt from Credit Report NON COMPLIANCE Dear LVNV Funding LLC, REFERENCE : XXXX I am writing to formally demand the immediate removal of an inaccurate debt reported by your company on my credit report. This debt, originally with XXXX XXXX XXXX, was paid through their Credit Protection Payments program. Your continued reporting and collection efforts violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, you failed to mark this account as disputed on my credit report, which is another clear violation of the FCRA. 

I request that you : Remove this inaccurate debt from my credit report immediately. 
Cease all collection activities related to this account. 
Confirm in writing that the debt has been removed and the status corrected. 
Please address this matter within 30 days to avoid further action to protect my rights. 

Sincerely,
Product: Debt collection

Timeline and Actions XX/XX/XXXX : Tenant vacates property and requests itemized receipt for security deposit deductions. 

XX/XX/XXXX : Landlord issues reminder regarding final statement. 

XX/XX/XXXX : Tenant reiterates request for itemized statement prior to payment. 

XX/XX/XXXX : Landlord provides final statement, lacking itemized details. 

XX/XX/XXXX : Tenant submitted a dispute on the case to request itemized receipts which is still not resolved until XX/XX/XXXX. 

XX/XX/XXXX : Debt collection agency reports account, causing unjust credit impact due to questionable debt legality. 

XX/XX/XXXX : Tenant settles balance, contingent on debt account deletion. 

XX/XX/XXXX : Tenant submits formal complaint letter addressing ongoing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

LISTED ACCOUNTS ARE REPORTING IN ERROR TO THE WRONG CREDIT FILE. PLEASE REMOVE LISTED ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with Ally Financial my payment history has been outstanding good record. Every month I've made my payments on time and always paid balance owed or larger. 
In XXXX of 2022 I thought I had scheduled payments for both personal and business. I started getting calls after the XXXX saying that my payment was past due. By the time I logged in I was a payment behind 30 days. I immediately submitted the past due payment and payment that was upcoming. In those 30 days I was dealing with a lender getting documents and things together that I did not catch that the personal payment was not submitted it was a honest mistake and you can tell by my track record with the financial company that payments with both accounts have always been on time. I was financial capable at the time but for some reason either I didnt hit submit all the way through the end. I have called this company to ask them for forgiveness because I have seen testimonies stating they are good on issues such as those. They reported a claim but I have not received a letter back.