23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX endorsed my dependant into my auto policy causing my auto insurance premium to rise doubled after knowing that I disagreed to add my son XXXX as my dependant to my auto policy. I forward to them a check up to 10 % of unearned insurance for the month of my cancelation XX/XX/2018 after they cashed the check they sent me another bill for the difference and sent me to collections. Allstae actions has lower my credit scores from XXXX to XXXX. 

Unlawful harassment may occur with or without economic injury to, a consumer. I drive my dependents, friends, etc. my self when I need to and when I choose to do so anywhere in the USA just like everyone else. This is my constitutional right. 

An investigation into Florida 's Auto Policies underwriting policies forcing consumer 's to add dependents into consumer 's policies after insurance policy underwriters know they re not allowed to endorse a dependent without the permission of the vehicle 's title owner and when the underwriter 's know that the auto policy consumer who is the owner of the vehicle owner and does not agree to add the dependent and the dependent is not permitted by the owner of the vehicle to drive that vehicle and does not own that vehicle or any other vehicle. An owner of a vehicle has the right to say who can or ca n't drive their own title vehicle. 

An owner of a vehicle whose title of the vehicle is named only in that owners name has the right to transport any family member any friend any person they choose to transport at any time any where in the United States regardless of whether they live or not in the same household same state and specifically when that vehicle 's owner constitutionally has the right to decide who he ( or she ) may allow or may not allow others to drive their own titled vehicle. 

I am the sole title owner of a handicapped vehicle. My son is XXXX years old is my depedent and a full-time student. Prior to obaining his driver 's license we called XXXX to find out if Florida state law requires him to have auto insurance if he does not own or have title to a vehicle, he does not drive my only vehicle and he lives with me. The field support office employee XXXX stated he can have a driver 's license ( not speaking about a permit ) and does not have to have an auto insurance policy if he does not own a vehicle and he does XXXX XXXX in the state of Florida. 

XXXX is not the only insurance company who enforces Florida consumers to pay for auto insurance policies for dependants that the consumer has does not need. The insurance world enforcement tactics include endorsements unto a consumer 's auto policy a dependant without owning a vehicle nor is the dependant permitted to drive that  other person 's vehicle by the sole owner living in the same household. 

Florida Chapter 627.739 ; 627.7282, 627.7283
Product: Credit reporting or other personal consumer reports

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. '' XXXX, the financial institution and the Consumer reporting agencies XXXX  and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 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: Debt collection

Arstrat repeatedly calls me from XXXX within minutes apart. This happens multiple times a day. Missed call XXXX XXXX, Answered their call XXXX XXXX ( 2 incoming calls from them within 6 minutes ), Missed call XXXX XXXX, Missed call XXXX XXXX ( 2 incoming calls from them within 7 minutes apart ), Missed call XXXX XXXX, Answer their call XXXX XXXX ( 2 incoming calls from them within 4 minutes apart ), Missed XXXX XXXX, Missed XXXX XXXX, Missed call XXXX XXXX, Answer their call XXXX ( 2 incoming calls form them within 2 minutes apart ). When I have advised them this is a CFPB complaint, I was advised well I should just answer so they can talk to me. I work and can't continue being harassed as this is distracting to my work production and has caused compliance issues for me at work. Every time I answered the 2nd back to back call from them, no one says anything and shortly thereafter they hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought an XXXX through XXXX with the XXXX  XXXX payment plan in XXXX of XXXX. XXXX XXXX provides no billing invoices, contacts folks or anything. In XXXX of XXXX I was finally contacted by XXXX and informed that my payment plan was 4 months late ( i.e. they had issues processing the credit card ). I explained there was a change of credit card information during COVID and XXXX told me they understood and this would not be reported to the credit bureaus in any case. I paid the entire balance of the loan immediately. Magically in XXXX, XXXX XXXX reported this loan to the credit bureaus and has since continually decided to make reports monthly not only indicating I had 4 late payments ( seriously affecting my credit score ) but also indicating the account is still open. When I've tried to talk to XXXX, they assure me there is no balance and that the account is closed. If the account is closed, why are you reporting it as open etc. to the credit bureaus? I have over a year and a half of credit bureau reporting at this time for an account that has no monthly payment. This is not a revolving loan. There is no line of credit. This was a payment plan for an XXXX. Affirm and anyone else, report the loan when paid off ( sometimes ) and indicate it is closed. I've disputed the information through XXXX, Transunion etc. and all they simply say is the information reported is accurate. Why would it be accurate that a payment plan that's been paid off with 0 balance is still open? What is the point of this? It is ruining my credit score and there's zero accountability here. I'm stuck with delinquent reporting for an account that is still reporting as live over XXXX a month " missed '' payments. Amazing. As seen in the files, it indicates there is an available balance of {$2500.00} of {$2500.00}. Yet, no mechanism, to borrow such money, or withdraw such money. Why would there be an available balance on an installment plan that's been paid off with a term of " 0 ''. What a mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I was due to begin paying a loan for the total amount of {$2000.00}, with the first statement being billed on XX/XX/22 for {$170.00}, a private loan through XXXX XXXX and XXXX. The email in which I was receiving notifications on was hacked at the time and I did not have access to the notifications being received as well as the mails being sent to the wrong address. Given the unprecedented pandemic situation related to XXXX loans, and unclear communications constantly changing, I was under the impression after not receiving clear communication that all of my loans were under the federal deferment related to XXXX. These loans were subsequently late by 2 months due to the miscommunication rather than my inability to pay the loan in full, one on XX/XX/22 and one on XX/XX/22, however had three alerts on my credit report negatively affecting my credit score, two being after the date the loan was paid in full and two late payments on my credit report. The loan was paid in full on XX/XX/22, however negatively affected my credit score in the medium term and also causing me to get denied for a credit card in which I was applying for through my place of employment ( Chase Credit Card denied for on XX/XX/22 ). 

I believe at the very least I should have one late payment on my credit score, not two, given the loan was paid in full on XX/XX/22 and I got docked for XX/XX/22 and XX/XX/22 so that is just an error. However, I believe given the unprecedented nature of the communication, my clear ability to pay the balance promptly when properly notified, and the error of late payments justifies the fact to discredit the negative affects of the 2 late payments on my credit score as well as a denial of application of credit. 

I hope these comments are taken into consideration and the righteous improvements due to the error of the debt collection agency and or/XXXX XXXXXXXX in inaccurately reporting a credit past due is worthy of a correction and subsequent improvement to current credit score. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX - XXXX XXXX. 
has violate my right. 
15 U.S.C 1681 section 602a. state 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: Checking or savings account

XX/XX/2020 XXXX XXXX, AZ Branch of Bank of America ( There is only one ). Wanted to pay off an auto loan. Brought in XXXX cash. Wanted to combine the cash with the payoff amount from my checking in the form of a cashiers check. Teller took cash behind wall and had a machine count the money. I could not see Teller 's hands or machine tally. She stated that the amount was {$80.00} short of $ XXXX. I counted that stack twice at home, and live alone, so there was no way I could be {$80.00} short. Either machine was off, or she slipped a few twenties to the side. She never offered to count this by hand with me. I came back to the bank an hour later and reported this problem to the Bank Manager after  repeatedly trying to call them an no one picked up the phone. I was able to explain the issue to the Female Bank manager, and she said she would put in a ticket to review the video log and get back to me. I also told her that it was unacceptable that I couldn't see the teller hands handling my money. It's hypocrisy if they have cameras watching them, but don't allow a customer to watch their own money being handled/mishandled. They should have offered to count a size-able amount like this in a room separate from the general public. I don't like people standing behind me I don't know and I can't see what they are up to. For all I know they could grab my stack and run out the bank and who could stop them. They all have masks on. It's not insured it if 's not deposited. Seems like a big security flaw to me. It's been weeks and no one called me back about this issue. No communication of any kind. I filed a report with the XXXX, and they seemed to be able to get in  contact with the North Carolina Bank of America Branch that handles this, but no resolution of any kind, no contact with me of any kind, just a bunch of empty promises about a website tracking the complain that wasn't even active yet. Seems like the Fox Managing the Hen House Scenario, just hoping I will give up trying to file a complaint on being scammed by the teller or a faulty machine. So now I am contacting you to see if I can get some traction on a resolution. I still thing there was some wrongdoing involved at the bank, but I am more angered at how the bank has handled this after I brought it to their attention. Much Appreciated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a written dispute to Transunion and Equifax regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( XXXX ) Section XXXX ( XXXX U.S.C. XXXX ), they must investigate and respond within 30 days ( or XXXX if more information is provided ). However, over 60 days have passed, and I have received no response, correction, or removal of the disputed items. This failure to investigate and/or correct unverifiable information appears to violate the FCRA. I am seeking the CFPBs assistance to ensure Transunion and XXXX complies with its obligations by investigating my dispute, correcting or removing inaccurate items, and providing a timely resolution as required by law.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

I have put in NUMEROUS disputes with Experian because they seem to mix mine and my TWIN brothers information. They have his personal information under mine, his social security number is under mine and his XXXX XXXX credit card account is also under my name. Ive had a recent issue with them before with a previous credit card and now I am going through this again after just getting the other account taken off after A YEAR. I am not happy that information is being mixed and my credit is being messed up because of it! Same goes for XXXX and XXXX!
Product: Credit reporting or other personal consumer reports

XXXX You said : I need a complaint to the cfpb about Experian I can't access my credit report through the free annual credit report.com I got them for another two with no problem I always have experience a problem on XXXX XXXX XXXX  I don't understand how I can't access my own information when I want to XXXX said : XXXX Here 's a draft complaint you can submit to the CFPB ( Consumer Financial Protection Bureau ) regarding your issue with Experian : Subject : Inability to Access My Credit Report from Experian Description : On XX/XX/year>, I attempted to access my credit report from Experian through the AnnualCreditReport.com website. While I successfully retrieved my reports from the other two credit bureaus without any issues, I have consistently faced problems accessing my Experian report over the years. 

I dont understand why I can not access my own information when I need it. The site either provides vague errors or does not complete the process. This lack of accessibility is frustrating and concerning, as I am entitled to this information under federal law. 

I have made every effort to provide accurate information and verify my identity during the process. Despite this, Experian has made it unnecessarily difficult for me to exercise my right to review my credit report. 

I request immediate assistance in resolving this issue and ensuring that I can access my Experian credit report without further complications. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Payment should be originally {$1500.00} per month. No changes to taxes etc and my mortgage is XXXX now. No reason why it went up an additional {$100.00} if nothing change. Also have a cheaper home owner insurance as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing I am late on my student loans. I have not been late. It also has 4 closed accounts under dept of ed/XXXX  I do not know who this account is. I did try calling XXXX XXXX, and they directed me to Mohela whom said I would have to speak with XXXX and could not assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from Equifax contains inaccurate information. On a collection account, you can not report a late payment or a past due ; doing so is a violation. Due to incorrect information being published on my report, this has made me XXXX  and prevented me from living my life to the fullest.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX XXXX XXXX XXXX, on XX/XX/2023 I started disputing XXXX  XXXX accounts # XXXX XXXX  XXXX account # XXXX with no resolve ... According to the Fair Credit Reporting Act, XXXX  XXXX and consumer reporting agencies has violated my right to Privacy. 15 USC 1681 sec 602, 15 USC 1681 sec 604 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Debt Collector, Client Services has recently sent me a collection letter regarding a matter that was supposedly, resolved, several years ago. They are claiming that I owe XXXX. They are so kind and wonderful to offer me to pay only XXXX to resolve a debt that I DO NOT OWE. This matter was resolved with XXXX XXXX and XXXXXXXX XXXX two years ago. You can reference my previous complaints with CFPB regarding this matter. 

Please reach out to Client Services and notify them that their attempt to collect a XXXX XXXX is considered fraud. Thank you.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report and don't understand why. My regular check of the report revealed unexpected discrepancies. Refreshing my browser didnt help ; the inquiries remained. I ask for a thorough review of the documents Ive sent to resolve this issue and alleviate my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ... .XXXX ... AND TRANSUNION are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX XXXX LIMIT IS {$5000.00} XXXX XXXX XXXX LIMIT IS {$3000.00} XXXX XXXX XXXX LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!
Product: Credit card

I have three promotional balance transfers with my bank credit card. 
Promotion # 1 ends XX/XX/XXXX. 
Promotion # 2 ends XX/XX/XXXX. 
Promotion # 3 ends XX/XX/XXXX. 
I owe {$1500.00} on promotion # XXXX which ends XX/XX/XXXX. I sent a payment of {$1500.00} today ( XX/XX/XXXX ) to pay off this promotion. The bank representative told me there was no way this payment would be used to pay off promotion # XXXX and that it would be used to pay all three promotions still leaving me a balance after XX/XX/XXXX. I would be then charged interest on promotion # XXXX. Then if I send another payment, it will be used on the three promotions again. This would be a never-ending story of trying to pay off promotion # XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I loaded {$300.00} on to my PayPal account via in Store load at XXXX. The money posted to my account and confirmed by PayPal via email. The email further stated that these monies were available to be used. Shortly after I attempted to make a purchase from XXXX using my personal credit card as well as the funds I placed within the account currently managed by PayPal, which is a custodial account held by XXXX XXXX XXXX XXXX. Each time I attempted to use my funds i received an error message, so I contacted the PayPal support Customer Service line. After being placed on hold and finally speaking with a representative named " XXXX '' ( PayPal ID # XXXX ) I requested to speak with an American representative and/or manager since he could not understand my request to utilize my personal funds via the financial instrument of my choosing. The representative replied that there are no American Representatives or Managers. I Then asked if there was a manager that was capable of understanding my request. After the call was transferred I was greeted by the PayPal supervisor, " XXXX '' ( PayPal ID # XXXX ) who began to access my request, the call was a total of 2 hours and minutes and the managers last declaration was to contact technical support because on PayPal 's end everything was fine, and available however i attempted to transact my account with PayPal across several devices and doing so while engaged with " XXXX  '' who stated he was monitoring my account while still displayed no errors messages. I has come to my understanding that he and his immediate team members were all purposely preventing my from transacting the account. The call was on a recorded line which I personally recorded as well for my own protection and it can clearly be heard that the employees in the background were slanderous and have incited the defamation of my character and my financial activity. There was no resolution provided. I then attempted to to transact my PayPal balance by within PayPal 's very own Digital gifts webpage I attempted to purchase for myself an XXXX gift card, and the transaction failed and then PayPal placed a limitation on my account. The manager XXXX further said that I needed to be transfered to this account, he said it appeared that someone was trying to use my account although he confirmed that the only account accessing the account was the XXXX  browser IP address, which I am currently using. The evidence in this matter is overwhelming. That PayPal is, was, and has been treating consumers unfairly and viciously.
Product: Debt collection

I took a loan out from Advantage Auto Finance, the car turned out to be a lemon.They would not honor my warranty on the car. I told them to pick up the car from the repair shop .Which they did and resold the vehicle. Now there trying to sue me illegally for a debt that I dont owe.
Product: Debt collection

I opened up an account with Home Depot. Made a large purchase. Home Depot wrote my address wrong omitting the XXXX. I did not receive a bill for 2 months. When I did I paid it in full except the two late fees that they were to reverse. They never did and they never updated my address until 5 months later. By then my debt had increased due to late fees. I explained to Home Depot they said I owed them and sent me to XXXX XXXX. I explained to them what happened and at one point by looking at my statements they confirmed my incorrect address and that I just left a balance of two late fees but refuse to remove this from my credit.