23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was in a accident on XX/XX/XXXX and filed a total loss claim with Bridgecrest on XX/XX/XXXX providing them XX/XX/XXXXinsurance company information and also confiriming my GAP coverage through them. I was told at this time that Bridgecrest was  responsible for notifiying and filing the GAP coverage. I was notified by XXXX that they sent a check out to bridgcrest XX/XX/XXXX for {$12000.00} and XX/XX/XXXX for {$180.00}. BridgeCrest held both checks for a lengthy amount of time causing me to occur two late payments XX/XX/XXXX and XX/XX/XXXX. I found this out when my home loan was deneid due to the late payments, I also recieved a higher interest rate on a car loan due to these late payments. Now that the loan is finally paid off, Bridgecrest removed the late payment for XX/XX/XXXXbut have left an late payment on different reports for XX/XX/XXXXXX/XX/XXXX, while reporting XX/XX/XXXX on others. According to FCRA it is against the law to report inaccurate information to my credit report, which in this case my rights has been violated twice with damages. I am asking that the company remove the late payments for dated XX/XX/XXXX and XX/XX/XXXX from my credit reports. This was I can continue my home purchase. I have asked for detailed account information as well but was deneid.
Product: Credit reporting or other personal consumer reports

i filed disputes with XXXX XXXX XXXX XXXX disputing incorrect address for Launch Servicing, XXXX, XXXX XXXX billing. That addresss are not on my reports and is not mine ; XXXX XXXX XXXX closed my account without investigating fraudulent activities and gave me no reason. My rights under FCRA 15 U.S.C. 1681 and FCRA 605B have been violated and due to the recent breach of XXXX and XXXX to which I am a victim of fraud and having been scammed. I have a right to have my credit report corrected and erroneous items deleted. My rights have been violaterd when collection amounts are shown. The accounts that have been charged off should be removed and should show no balances as these companies have already been paid. XXXX and XXXX and XXXX have severely harmed me by the breach and incorrect information. Please help
Product: Debt collection

XXXX XXXX 2015 car accident where liability was confirmed and accepted by insured insurance company and the XXXX party insurance company the collection agency was notified and still refuses to honor this request this matter should have never been placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX After reviewing my credit reports I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX XXXX account XXXX. PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate Experian states I was late XXXX XXXX XX/XX/XXXX however XXXX STATES I was late XXXX XXXX XXXX XX/XX/XXXX. XXXX states I was late XXXX XXXX XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act.

15.US Code 1681e- Compliance for Accurate reporting.

Please correct to paid never late or remove account
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 card

I noticed an unauthorized charge on my American express blue card for XXXX XXXX XXXX had used the card on the XXXX of XXXX and XXXX charged XXXX unauthorized dollars the very next day.I had problems with their service and they had installed their equipment on my neighbors roof as well as charging me over 200 dollars when we had agreed to XXXX.I immediately cancelled their service and was never given a contract or cancellation numberAfter the statement came in.I called American express to dispute this unauthorized charge and was told they would investigate, but assured me they would n't accept any future charges from XXXX to my account for a four year period..My XXXX statement however had a XXXX dollar charge from XXXX on it despite American Express assuring me XXXX was banned from mY account for 4 years.Further scrutiny showed XXXX had added another XXXX dollar charge in XX/XX/XXXX.I of course disputed these unauthorized charges.Now American Express has ruled I must pay the XXXX dollars after a very quick investigation and still have n't ruled on the original XXXX unauthorized charge. They allowed XXXX dollars to be charged to my account which I had told them was unauthorized as early as XX/XX/XXXX.XXXX apparently is well known for this practice, however American Express was fully awarew they were making unauthorized charges yet accepted them more than once and now refuse to own up to their lapse in security on my account.XXXX was installed by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX  my Wife and I filed for chapter 13 bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay '', " Notice Only '' payments to be made by the debtor ( s ). On XX/XX/XXXX XXXX bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on-time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '' to the credit bureaus. As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in there " Loss Mitigation Dept. ", the department manager XXXX XXXX says they have done everything they can do to fix this and blames the credit bureaus, the credit bureaus say they can only report what they receive. We check our credit regularly and pay monthly for Equifax credit monitoring, to date nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in Experian appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Product: Debt collection

I have disputed a collection account that was added to my credit report in XXXX. Both times they are stating they have verified as accurate. I have not received any verification or validation from the collection company Gc Services that I owe XXXX. There is no contact information for them on my credit report for me to contact them directly. I have requested proof of my signature that I have a contract with Gc Services and have not received that documentation from XXXX. XXXX  is not verifying properly. They are using a computerized system instead of contacting this collection agency by phone and getting the proper documentation that I owe them money. I am requesting this be removed from my credit report. This does not belong to me and they have to provide me with verification/validation with my signature that I have a contract with this company and owe them money. To date this has not happened.
Product: Vehicle loan or lease

I leased a motor vehicle for the amount of {$13000.00} I made all my payments on time paid within the first two months of the leasing the vehicle broke down and I had it towed back to the dealer the dealer asked for additional funds for the car repairs the vehicle was not drivable. Prior to this within my first month I had the vehicle in the dealer 's shop several times and they declined to fix it or giving me another vehicle I was forced to keep a bad vehicle with multiple problems that was unsafe to drive when I declined to pay the substantial amount for repairs I involuntary repossessed the vehicle to the dealership the vehicle is currently in possession of the ownership of the dealership.
Product: Checking or savings account

I was a customer for simple bank, which recently transitioned to BBVA. The process was supposed to be seamless, and it's been anything but that. All my funds are locked now after following the process that BBVA told customers to follow. Their XXXX account said they fixed the issue but everyone is still locked out. Calling the support number provided only results in being disconnected. I keep trying and it either disconnects immediately or when I get through to a support person they pretend to not hear me and then hang up. You can see online XXXX XXXX XXXX XXXX XXXX how poorly this transition has gone. All the bank customers are locked out with no help and no access to their money. Please help us!
Product: Debt collection

On XX/XX/XXXX i requested a 1099c from the company and yet to recieve the letter so I can claim on my taxes since it a charge off. Also there inaccurate information reported on my credit report my account been close from XX/XX/XXXX but yet still I getting late payment on credit score. Also please let your collection agency cease and desist from contacting me they been sending letters and also call yesterday
Product: Debt collection

There is a company that has called me daily for the the past 3 business days. They are leaving threatening messages for members of my family on my telephone number. 

I answered two of the calls today and the man, XXXX stated I was lying and repeatedly called and left threatening messages. 

This is the message they left : this is XXXX contacting you once again in regards to a case is ready to be filed through XXXX XXXX county I've reached out to you several times over the last few days and all correspondence has been ignored at this point they are intending on proceeding with the order of location for _______ to your residence understand that he does still have a legal right to contact the office filing the case I will provide the information to that office once again just said that there is no way for you or him to state that you had no prior knowledge of this matter the phone number provided to that office is XXXX this is considered a final legal notification by telephone and ______will be located at your residence unless I'm instructed otherwise This is not a legal matter as I called back to verify and they are calling, harassing, regarding very old debt. 

In addition, I explained this is not those persons numbers and they still called. One lady said the company name is Coastal in XXXX Georgia.
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent communication regarding the issues with my account and the reported inaccuracies on my credit report. I appreciate your prompt attention to this matter, but I must clarify that I believe significant errors have occurred that need to be addressed. 
As previously stated, I paid off a balance of {$1000.00} in XX/XX/year>. Despite this payment being reflected on my statement initially, it was later removed without my knowledge, leading to continued interest charges on a balance that I had already settled. This has resulted in the misleading reporting of my account status to all three credit bureaus, which has negatively impacted my credit score. 
I have documentation supporting my claim, including the monthly statement that confirms the payment was posted and subsequently removed. It is concerning that your records do not reflect this, and I urge you to review them thoroughly. 
The consequences of these errors are significant. My credit report now inaccurately indicates that I owe {$1500.00}, which has hindered my ability to secure necessary repairs for my home. I believe it is in both our interests to resolve this matter swiftly and restore my credit standing. 
I kindly request that you conduct a thorough investigation into my account and take the necessary steps to correct the inaccuracies reported to the credit bureaus. I look forward to your response detailing how you intend to resolve this issue. 
XXXX request to resolve credit reporting issue***
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right 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 any purpose.

Would like a remove of late charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US SM BUS ADMIN ODA, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX receive the Court documents that this was discharge and they are still reporting charge off on my experian report i disputed this acct multi times and provided document i even ask for proof of acct and nothing i provided my documents and i spoken to both the creditor and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter on XX/XX/2022. I asked Transunion to " Investigate every piece of information is correct and accurate '' on the accounts list below. Also, I have attached the letter I sent, and here is my tracking number # : XXXX According to the FRCA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a PROPER investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate. Per the FRCA 15 USC 1681 EVERYTHING HAS TO BE 100 % ACCURATE. I have the credit report showing the inaccuracies. The last verified date is inaccurate, the date of last activity is inaccurate, Date opened is inaccurate, closed date is inaccurate, last payment is inaccurate, account type is inaccurate, and two payment is inaccurate. This is ground of removal per FRCA 15 USC 1681. 

Accounts : XXXX XXXX : XXXX Furthermore, in the accordance with the FAIR Credit Reporting act XXXX Account # 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 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX Bankruptcy and included my auto loan with XXXX XXXX XXXX XXXX. However, they keep saying I have late payments with them for the past 12 months and that I still owe for the car to all three credit bureaus. When it was included in my XXXX  XXXX Bankruptcy.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into the dealership XXXX XXXX in XXXX XXXX Michigan to purchase a vehicle on XX/XX/2019. I already had pre-approved financing. I told that to my sells person I advised him in the beginning that i only wanted my credit ran through the bank that had approved me. At that point thats all that was done. Well come XXXX XXXX I get hits through my credit bureaus that my credit had been ran through 5-6 creditors while Im sitting home heading up to the dealership to pick up my vehicle and i never gave permission for my credit to be ran. Then come to find out they ran my credit as a co-signer to someone I dont even know. Ive called several times and it still hasnt been resolved and its still on my credit report till this day. They even ran my name with the finance company who had already approved me twice now its showing 2 inquiries for the same company
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX, XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 8 times in one day, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS- XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX using my name at XXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX XXXX XXXX REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX XXXX FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXXXXXX XXXX  FOR A MEDICAL BILL NOT MINE, XXXX accused me of snap trafficking but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.
Product: Student loan

After many attempts to reach a better payment options with Sallie Mae they refused to help me and my cosigner under the pretense that " we have more than enough money to make the payments ''. Now mind you my cosigner is battling XXXX and I work for a non-profit and don't make that much. Now they have resulted in daily harassments towards me and my cosigner. The harassments have been going on for months now. If this new CFPB do nothing I will sue Sallie Mae for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information. I have never signed any contract with this company. Shows original creditor to be XXXX XXXX XXXX, I do not have any dealings with this company. They have bought inaccurate information and it is a fraud account. There is no account number.
Product: Checking or savings account

An automatic deposit to Capital One was suppose to go in on Wednesday at XXXX XXXX  It is now Friday at XXXX XXXX  with still no answers why or estimated time for problem to be fixed