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

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

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> XXXX XX/XX/year> 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: Debt collection

The amount is {$8000.00}. I sent this debt collector a letter certified letter, which he received and I am requested more information on this debt. The debt collector have not sent me any more information confirming that this debt belongs to me. I am axing for my signature on this debt and other information confirming that this is my debt, which he refused to send to me on this debt. He continue sending me a bill.. nothing just confirming that this is my debt. Hes trying to garnish my work. Check now. He have not given me any information. He serves the wrong person, a garnishment paper letter from the court. I never receive anything from this debt collector. They serve the wrong house I never lived at that address. and now he is garnishing my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries unexpectedly appeared on my credit report this morning, and I dont understand how or why. I was performing my usual credit check when I noticed the discrepancies. Thinking it could be a system error, I refreshed my browser, but the problem persisted. This situation is incredibly stressful, and I demand immediate action. Kindly review the documents Ive sent and resolve this issue completely so I can have peace of mind.
Product: Student loan

Current resident physician who is trying to apply for medical residency forebearance. Staff at navient is either not trained to understand what form/process is involved or do not follow through emailing appropriate form. 

This is an ongoing issue which last year negatively effected my credit score.
Product: Checking or savings account

Placed two deposits into my Capital One online banking account on XX/XX/XXXX. Shortly after the deposits Capital One locked up my account and I did not have access to it since then. I have called them five times and gave them an explanation for the deposits what they have done nothing, including not even return my calls. My Capital One account is : # XXXX. This is poor customer service.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : {$1100.00} DEPT OF ED/XXXX  XXXX Balance : {$5900.00} DEPT OF ED/XXXX  XXXX Balance : {$1900.00} DEPT OF ED/XXXX  XXXX Balance : {$3000.00} DEPT OF ED/XXXX  XXXX Balance : {$5800.00} DEPT OF ED/XXXX  XXXX Balance : {$9300.00} DEPT OF ED/XXXX  XXXX Balance : {$10000.00} DEPT OF ED/XXXX  XXXX Balance : {$350.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$3900.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$18000.00}
Product: Debt collection

On or about XX/XX/2021, I advised the collectors that they do not have my permission to contact me by phone. Since that time I have received two to three calls per day. Blocking their phone number is useless because they use several different phone numbers when calling. At present, I have blocked nine different phone numbers from this one collection agency.
Product: Checking or savings account

I stayed at XXXX XXXX due to a Constructive Eviction on an Uninhabitable home. The Hotel room was missing the screen on the window. I heard Hotel guests speaking about XXXX XXXXXXXX. Instantly the XXXX XXXX XXXX entered my room. I called the front desk manager who was dismissive. I promptly contacted XXXX police. XXXX police falsely stated hotels are private private and XXXX XXXX  is permitted. Citibank refused to credit me my full refund for the final night stay. I want my complete refund ASAP.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus in regards to this problem multiple of times about the vehicle that is not associated with, I had to recently file bankruptcy due to it, I also have documentation from the company itself stating we have no association and that they have reported to bureaus to remove the inaccuracy from my credit reports. I want this item deleted immediately I am tired of dealing with this same issues and not getting any positive result.
Product: Vehicle loan or lease

This is a follow up to my complaint I made last year ( XXXX ). Hyundai Motor Finance did the same thing to me again this year. My bill went up by {$2.00}, but the auto bill pay didnt adjust until a month later, leaving me with late fees.
Product: Credit reporting or other personal consumer reports

Ive contacted equifax numerous times regarding my derogatory items on my credit report. to no avail has equifax tried to retify the situation. ive also stated that this is a clear violation of my right to privacy as well as numerous other violation. No one has reached back out to me when i requested validation of this debt. This has been a very hard strain on me and my family regarding this fraud that continues to take place. as a result im being harrased by numerous collection agencies that refuse to stop calling and harrassing me over thi fraudulent reporting. which is a clear violation of the FCRA. The companies theyre reportin are as follow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I m not sure how they obtained this information because i have not contract whatsoever with this company. Nor did i consent to have my information transferred.
Product: Checking or savings account

On XX/XX/XXXX, My phone, ID and debit card was stolen, the individual that stole my device gain access to my digital bank card and withdraw over {$2000.00} from a atm then proceeded to transfer money via XXXX XXXX in the amount of {$1600.00} ... That next morning I called the bank and reported my phone and debit card stolen, they did a investigation XX/XX/XXXX and found me liable for the theft of funds, revoked the temporary credit they place on the account and enturn making the account negative and now taking money from my new account to offset the negative account, making leaving me with no money to live with
Product: Credit card or prepaid card

Had a  Chase cre dit card for several years when Chase Bank closed my credit card account despite no missed or late payments, which also erased rewards points on the account. The account was closed in  XXXX  and would not be reopened even after repeated ca lls to Chase cust omer service.
Product: Vehicle loan or lease

This complaint is regarding an egregious situation that is occurring to my wife and I by GM Financial with regards to a XXXX XXXX XXXX and a sequence of events that occurred during our lease return process. 

I have mailed, by certified mail with return receipt request a very detailed summary of the events that occurred. I am attaching my correspondence from XX/XX/XXXX for your reference, along with the supporting certified mail documentation that proves this letter was received by GM Financial. 

In summary, I visited my mortgage lender to take advantage of the current historic low interest rates and reduce my current mortgage from XXXX XXXX to XXXX XXXX, a move that represents a substantial savings to my family both in the current monthly payment and the long term finance cost for my mortgage. I was rejected for this mortgage, as GM Financial is reporting several late payments and a past due status on my returned lease. I left his office thoroughly embarrassed and extremely upset. 

All my life I have been extremely responsible with my credit obligations and I have never missed not one payment. I've always enjoyed XXXX credit scores and the easy access to favorable financing terms this credit score provides. Now, I am facing the possibility of losing out on a savings of tens of thousands of dollars due to this egregious error by GM Financial. 

As you can see in my correspondence, GM Financial fumbled on three seperate occasion the pre lease return Vehicle Inspection appointment that caused my wife to miss several days of work so that she could be home for this appointment. The inspector was a no call, no show on two separate occasions, and because of this, after much back and forth XXXX whom was presented as the supervisor of the department granted a credit of {$390.00} to cover the disposition fee. I urge you to read the letter from XX/XX/XXXX to understand the context of this situation and how exactly GM financial fumbled the lease return experience. 

Well, now it seems that this was never documented, ( everything else is documented but conveniently the disposition fee credit is not ). I implore GM Financial to simply LISTEN TO THE RECORDINGS to corroborate my version of the story. They clearly state that calls are being recorded, this is a great time to reach into the recording vault. My detailed notes referenced in the XX/XX/XXXX Correspondence will make it very easy for you to locate the specific call. 

I have also on numerous occasions informed GM Financial of this, in writing, by phone, etc. I truly thought this was resolved with my XX/XX/XXXX letter but now they are destroying my wife and my credit history that is impeccable for 30+ years. We will not tolerate this any longer and want to make very clear should we miss out on the significant savings of refinancing our home mortgage we will pursue a claim for these damages. Easily, valued at XXXX dollars over the life of a 30 year mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my Equifax, XXXX, and XXXX consumer report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted Equifax, XXXX, and XXXX and filed disputes via email as well as certified mail with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continue to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not verify these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$27.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I paid my account off in XXXX and after the fact first national bank of Omaha charged me {$22.00}. They did not contact me to let me know and then subsequently reported me delinquent to the credit bureaus.
Product: Credit reporting or other personal consumer reports

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 XXXX : 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 and purpose.
Product: Credit card

I was unable to make phone payment, I was directed to use an operator - after 8 attempts. I was unable to prior to this, to set up an online payment as I was directed to call an operator. So, i called an operator and was told to pay a late fee plus {$10.00}. I am paying off the card balance after closing the account without interest and fees per negotiation. I spoke with XXXX. This is an attempt to collect fees above my balance due. I gave my payment and told them not to charge a late fee or {$10.00} fee and that I would be filing a complaint with you.
Product: Vehicle loan or lease

Grettings, I have an inconvenience, I paid the full value to nissan on date XX/XX/2019, after they send me a document : This letter is to confirm that your obligation to Nissan Motor Acceptance Corporation is considered settled in full as XX/XX/2019. 
It has been a long time almost XXXX years, and Nissan continues to send me notifications affecting my credit report. what I request, please is that Nissan information be removed from my credit report because it is already paid. 
Thank you.
Product: Mortgage

I was approved for mortgage assistance through XXXX XXXX XXXX XXXX for XXXX, XXXX and then the following 6 months until XX/XX/2022. I've contacted my mortgage company numerous times through email, and phone. Every time I get a response fron Shellpoint Mortgage Servicing LLC ( NewRez LLC ) it's always different answer, but in same form of " We Don't Know anything about it '', or " That's not my department ''. It's very frustrating. I would then reach out to XXXX XXXX XXXX XXXX  if they heard back from Shellpoint, and nothing. It's just overly annoying when I have to do all the work my mortgage company should be doing, and to be approved and not be able to apply to my mortgage account. This is the main reason for my missed payments.
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, 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  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: Vehicle loan or lease

I visited the car lot on XX/XX/XXXX. I had recently had a bankruptcy XXXX on XX/XX/XXXX. I was told when I came to the car place that day after my credit was ran that my credit score was too low and that I would have to put down like XXXX or more on a car to be able to purchase one from the lot. So I left and went home. Within an hour or two, I received a phone call from the sales representative asking if I could come back to the lot that they had found a car for me. I took the bus to the lot. When I got there the sales person let me test drive a XXXX XXXX XXXX. It was nice but I wasn't aware of the issues I was about to have. Once we got back to there office I had to get insurance for the vehicle which was a hassle because I had only came to the lot with XXXX dollars and they were originally asking me to put down XXXX for the car. They took it down to XXXX so that I could get insurance. After receiving the paperwork I noticed that my car loan was {$740.00} dollars a month and I could understand how. At the time I wasn't even aware or told that my interest was 29.99 %. I would have never agreed to that. 
Also, the sales person put a stick on the window which I assumed was the new safety inspection but I found out that was an expired safety inspection. Warranty didn't even cover the tires because I got a nail in it a day or so after that and had to buy new tires. Anyway, fast forward to now XX/XX/XXXX, I had to pay for my own ID/OD inspection because it was too much of a hassle dealing with them. Also, I just noticed that if I paid off the loan in full it would be {$53000.00}. I still haven't gotten the car titled yet and I feel as though my information was compromise or something to get this auto loan because I didn't know anything about it and had I known it I would have never agreed to it coming right out of a bankruptcy with no a lot of income! I feel I was all around scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Charge Off : XX/XX/2024 Amount : {$2500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$740.00} XXXX XXXXXXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$630.00}