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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Ally Finance ( my auto loan ) i have 2 recent late payments on my credit report, on XXXX on XXXX I went to the XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX trying to trade in my car for another Car, I was able to trade in my current car ( ally auto loan ) and get a new car, during the time the Dealership wasnt able to approve me for the new Car loan and they took Over 2 months trying to get the deal closed and never happened they even renew me the paper plate and still werent unable to get my deal approved and closed. So they end up giving me back my car and I gave them their car back, obviously when I got my car back it got me behind on 2 payments since I did not had my car and the dealership had it and they were supposed to take care of the car and payoff so I could get the other deal closed. So basically that late payments that reflects on my Current Auto loan with Ally finance is not and was  never intentionally to be late. I spoke to the dealership and asked them to fix this on my credit because is hurting me score very bad and said they had nothing to do with it and did not took responsibility of their irresponsible act they had of 2 moths. 

On XX/XX/XXXX I have another late payment on my current auto loan, I went to a dealership called XXXX XXXX XXXX XXXX located in XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX. I went to this dealership trying to trade in my car since I really needed a Family car, I was able to trade in my car and get a new Car, during this time the finance department were trying to get my loan approved mean while my payment of the car I trade in was due, when I spoke to them and asked based on my previous experience they told me we are going to pay your trade in car you dont have to worry you are going to be approved for the new auto loan so I stayed with the new car and they kept my trade in car. This situation happened as my previous experience with the other dealership, they never paid my  trade in car and I was not approved for the new car. I again had to give them their car and take my car back obviously again with a late payment past due and new payment due. This situation affected my credit score bad that I lost 46 point because they kept on running my credit trying to get a bank to approved me and not only that, now those late payments are reflected on my credit and its hurting my situation at this moment. The dealers need to be more conscience Of due to wanting to sell cars so bad, they have no idea how much it hurts peoples credits
when they do this type of actions.

Ive been trying to fix my credit so bad, I been working on my credits spending money to work on my credit and out of nowhere the dealers dont care and they ran your credit with lots of bank, hurting peoples credits of up to 40 points not really carrying about peoples struggles.

I have spoken to the dealers so they can resolve my problems and they just dont want to take responsibility of their actions.

I really need help trying to get this 2 last late payments removed from my credit.
Product: Credit card

XXXX XXXX March XXXX XXXX XXXX XX/XX/XXXX Payment sent back XX/XX/XXXX. 

After they had said it went through and went back to XXXX $ in credit which I used by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Credit first credit card company is reporting that I have a late payment XX/XX/year>. I have always been consistent always make my monthly payments. I was not late. Ive asked them to validate this several times. I have spoken to employees on the telephone in their call center, and they downright refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you for assistance with an issue that I am getting nowhere with Best Buy/CBNA. I had an account Charged-off that was paid in 2013. The account has remained on my credit report ; however, now, over the last 3 weeks, it's been reported as a new charge off on a daily basis to XXXX. Since this is an old charge-off account that has been paid, and shows up as paid, then why is it being reported as a new charge off every single day for 3 weeks? I have credit monitoring software that I use that has been showing this. Please assist. I keep getting redirected every time I call Best Buy and CBNA with no resolution. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXXXXXX XXXX Is A Debt Buyer That I Dont Have A contract With Binding Me To This Debt From Their Company and also Violating Medical Hisyory Via XXXX XXXX Please Remove/Delete This Account If You can not Send Me A Copy of This Contract Between me and This Debt Buyer XXXX. XXXX!!!!!
Product: Credit card or prepaid card

I opened an account with XXXX XXXX XXXX XXXX Synchrony Bank in XX/XX/2019. They were offering special finance rates or promotional purchases. They gave me a credit line of {$1000.00}. I used this to purchase a few different items. All the items were eligible for the special offer.

I faithfully made ALL payments on time. When the first balance was due ( 6 months ) or
pay for the accumulated interest, I paid off the balance for these items. Shortly there after the lowered my available credit to what current balance was at that time. In doing so that caused my credit score to drop almost 30 points! I had no other changes. No job loss, no other credit issued and no late or missed payments. I reached out to them to inquire as to the reason. Their response was " We occasionally monitor our clients credit to determine credit worthiness. '' It was not true, as my score had not changed prior to them lowering my credit line. I check my credit report weekly and know for sure that there were no changes. In fact my score had gone up since opening the account 6 months earlier. 

I understand that this is their option. However I am most upset since they " DID IT AGAIN '' 3 months later. They ALSO did the exact same thing to my Wife 's account.

We have both contacted them without any success or change in account status. Their actions have caused us both harm. It caused us not to get an auto loan approved and the inability to apply for a new job. I feel this is an unfair and predatory action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX - Opened XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX - $ XXXX| XXXX XXXX - XX/XX/XXXX XXXX $ XXXX| XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ XXXX|
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS REPORTING A {$35.00} BALANCE AS A PAST DUE 30 PAYMENT
Product: Credit card or prepaid card

I have a 30 day missed payment reporting on my credit report on XX/XX/XXXX. I called the company that reported this missed payment on my credit report to tell them about the error. Then I was informed that they no longer owned my account. That is was sold to the current owners which is Comenity Capital Bank. I contacted this bank. They told me to write them a letter explaining the problem. I got a response from them telling me it was nothing they could do about it. I wrote them this letter on XX/XX/XXXX and got a response on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was fraudulently open identity theft
Product: Credit card or prepaid card

My. Children buy me gift cards. I was save to buy an XXXX. When I went to XXXX, three of the gift cards were empty. All of them visa gift cards. The XXXX was no problem. After being embarrassed, when I returned home, I called the number on the cards. To say they were less than helpful would be an exaggeration. They expressed no interest in assisting me. One of the gift cards had been used in California. I live in Florida. So I went in line, did evthst was asked if me, submitted. The first email asks for copies front and back of cards. Another two weeks. Then they said they can7help unless I give them a copy of the receipt. Once again, I tell them it was a gift. One was {$100.00}, one was {$50.00} and the last one was {$100.00}. Something has to be done about this. I have written to XXXX not interested. Enter business bureau, no response. Can you please help?
Product: Debt collection

Debt is over 7 years old and was recently sold to a 3rd party company.
Product: Money transfer, virtual currency, or money service

please provide proof that you submitted claims to reclaim the XXXX foreign tax. 

as the depository ; it is your responsibility. 

You have failed to comply with the statues filed with the sec. 

Can you provide government agencies proof of the claims submitted for shareowners? 

The XXXX tax statue of limitations is 4 ( four ) years. They will not assist with anything prior to their terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my credit report from annual credit report ; trans union. 
The website refused my request and directed me to call TransUnion. 
TransUnion provided me an error code, and directed me to a further number, which failed to rectify the situation. 
Thus far, TransUnion has refused to provide me a credit report.
Product: Credit card

I Have chase Card showing on my credit report which does not belongs to me. 
I have contacted all XXXX credit as well as Chase card to Deleted from My account., on three occasions. ( XX/XX/2016 - XX/XX/2016 - XX/XX/2016 and again in XX/XX/XXXX.I have file a Police report to local police department. 
Nothing been happen, this is affecting my credit i dont any one else if you look at my credit report. 
Chase Card -XXXX page XXXX and page XXXX account was charge off still reflect the balance
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU DID NOT CONDUCT YOUR INVESTIGATION IN THE PRESCRIBED FAIR TRADE CREDIT REPORT ACT 30 DAYS
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
This is more than 7 years old and should be deleted. 

XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - {$24000.00} Closed Overview You have 54 % left to pay on this loan. 

Balance {$24000.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( 7 yrs, 7 mos ) Term 75 months
Product: Consumer Loan

In XXXX, I purchased a 2012 Honda Odessey minivan and financed the purchase through Honda Financial Services. Since XXXX, I have made every monthly payment on time. In XXXX XXXX, my bank stopped payment due to an unknown issue. Honda Financial Services did not call me or send me mail until XXXX XXXX, XXXX. I received that document on XXXX XXXX and immediately called HFS to resolve the situation. I spoke with XXXX, the manager in the XXXX call center. We called my bank, XXXX XXXX, to attempt to resolve the situation. XXXX agreed to pay the late fees to HFS to atone for the error. I immediately repaid the past due amount. However, XXXX refused to remove the past due report on my credit report for XXXX. I have researched this and know that it is in XXXX and HFS ' discretion to remove these from a consumer 's credit report, yet in this case HFS was completely unwilling to assist. I am about to apply for credit to purchase a home, and HFS ' report has reduced my credit score to where my interest rate will be higher than it would have been without HFS ' report. I have made every HFS payment on time for over three years now, and the one time that there was an issue, it was not my fault. Yet HFS is publishing defamatory information about me that is causing financial harm. I have called XXXX a second time to ask for help, but she has not answered my calls or returned my calls. I need help in fixing this abuse by Honda Financial Services before it costs me thousands more in interest expense.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from XXXX  within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already attempted to contact Equifax regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that XXXX complies with FCRA regulations and corrects this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1000.00} Inquiry XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections. 

15 USC 1681 Section 602 A sates I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit reporting agencies have 5 days to notify me from when they receive my disputes. 
15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Vehicle loan or lease

XXXX XXXX XXXX CEO and CFO of NAVY FEDERAL CREDIT UNION tried to kill my ability to conduct commerce, he economically murdered me and made me dead financially. He has abused me, put me in mental anguish and now I find myself attending group meetings and seeking treatment for XXXX because the experience of being in economic slavery triggered my previous anxieties. 
I, XXXX XXXX XXXX, purchased a vehicle from XXXX XXXX XXXX on XX/XX/XXXX - ( Exhibit A ) Representatives of NAVY FEDERAL CREDIT UNION provide loan to purchase the car in the amount of {$21.00}, XXXX on XX/XX/XXXX and I contacted same to obtain a signed copy of the original contract and other related documents on XX/XX/XXXX which were not sent. ( Exhibit B ) XX/XX/XXXX, I requested a fully certified disclosure of contract containing my original wet ink signature and sign by a living person representing their organization. ( Exhibit C ) XX/XX/XXXX I received by regular mail from XXXX XXXX XXXX XXXX, Consumer Loan Processing of NAVY FEDERAL CREDIT UNION a letter requesting my signature on a updated Corrected/Duplicate contract. ( Exhibit D ) XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX CEO, CFO of NAVY FEDERAL CREDIT UNION the letter and contract back with a letter stating the unsigned contract was unacceptable ( Non Acceptance of a Bi-lateral contact ), rescinding of my signature on all loan documents including previous loan and another request for full disclosure of loan contract. ( Exhibit E ) XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX CEO, CFO of NAVY FEDERAL CREDIT UNION a letter of instruction and, according to HJR 192, provided legal tender to discharge debt ( Exhibit F ) On XX/XX/XXXX, the notary, XXXX XXXX XXXX, sent a letter, certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX of NAVY FEDERAL CREDIT UNION the initial Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. ( Exhibit G ) XX/XX/XXXX, the notary, XXXX XXXX XXXX, sent a letter, certified mail to XXXX XXXX XXXX XXXX XXXX, CFO of NAVY FEDERAL CREDIT UNION a second presentment of Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. ( Exhibit H ) XX/XX/XXXX, the notary, XXXX XXXX, sent by certified mail to XXXX XXXX XXXX XXXX CEO, CFO of NAVY FEDERAL CREDIT UNION a third presentment Declaration by Affidavit to state his non-response to any previous letters or notices. ( Exhibit XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed these accounts and collections XXXX XXXX  but they do not delete me I don't know why I need someone to help me I have already disputed XXXX XXXX and nothing that erases from my credit three XXXX XXXX and three closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I used pay with points for XXXX  travel. There was a problem with the XXXX  entitling me to a partial refund. Chase ( credit card was Chase XXXX XXXX ) is now telling me that they can not put the charge into dispute because the trip was booked through Chase XXXX, which is an affiliate of Chase credit card company. They said that if I had used an unaffiliate travel company, they could have put it into dispute. I was never warned/notified/informed that by using Chase XXXX for ticketing I would be foregoing the opportunity to dispute charges if needed.
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. Specifically, cash app failed to take timely and effective measure to prevent and address fraud on their platform leaving my account vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirement la under the electronic fund transfer act and regulation XXXX these action have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

O/A XXXX XXXX through XXXX XXXX I have attempted to fix erroneous information being reported on my credit reports on credit accounts that have been discharged through XXXX  XXXX bankruptcy. Most of the agencies have cooperated in getting the accounts in closed status and showing XXXX  XXXX Bankruptcy Discharged. However, they have not removed past delinquent payment dates which has a direct effect on my credit score. The purpose of a bankruptcy is to remove all past derogatory information so a US Citizen can start with a clean slate and start re-building their credit. I believe that the credit reporting agencies are allowing creditors to willful and negligent noncompliance of the FCRA 15 USC 1681c and 1681o and noncompliance of current US bankruptcy laws.
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 XXXX XXXX Account number : 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 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.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

Please see attached
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments 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 payments for the accounts : XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a Victim of Identity Theft I have submitted police report and all verifying documents and Equifax is still reporting fraudulent information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts reporting on my credit report that don't belong to me. I contacted XXXX, XXXX, & Experian multiple times. I sent in my initial complaint on XX/XX/2020. I didn't hear back from them in 30 days so I sent a demand to comply and still haven't gotten any responses. The demand to comply letter was sent XX/XX/2020. I have attached the letters that I sent to the credit bureaus.