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

Hello, after carefully reviewing my consumer report i have realized that according to The Fair Credit Reporting Act 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) states " the term consumer report does not contain information in regards to sensitive details such as transactions and or experience between the consumer and the person making the report. '' and as i realized that late payments are a form of transactions, and Utilization is a form of experience created by credit usage. i have realized that a few of my consumer rights have been violated. 

XXXX, Equifax, XXXX are all listing a late payment from ( XXXX XXXX XXXX XXXX XXXX  ) as well as reporting credit usage for all of my credit card accounts which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my XXXX XXXX XXXX XXXX  XXXX XXXX 

Usage/ Utilization are a form of Experience as a byproduct of credit usage, AND late payments are a form of transactions. 

USC subsect 1681b ( a ) ( 2 ) says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it related. from what i understand i have never gave XXXX, XXXX, OR equifax any kind of written instruction to report any late payments or any sort of usage, any transactions or any experiance created by credit usage on my consumer report. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose says, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and it also says the banking system is dependent upon fair and accurate credit reporting. INACCURATE credit reports directly impair the strength and honesty of the banking system. and ANY unfair credit reporting ruins public trust and confidence in the banks which directly affects banks negatively. 

MY PRIVACY HAS BEEN VIOLATED and nothing about any of these transactions or experience reported by these 3 companies ( XXXX, EQUIFAX, XXXX ) is a form of violation to my consumer rights.
Product: Vehicle loan or lease

XX/XX/2020 Called OneMain Financial XXXX branch where I took the loan to make sure payoff check was received, spoke to " XXXX '' on the phone and they received the payoff check. XXXX claimed the check was received and then started going into collection practices and started asking me when I could pay more money on the loan. I asked him please don't ask for me for money right now, then proceeded to ask about the GAP insurance, he immediately told me I came in and signed a form cancelling the GAP insurance, this is not possible, because I've never signed any form to cancel my GAP insurance. If a form was signed it was not from my hand and was most likely fraud on OneMains part. He then stated I needed to talk to the manager to pay off the rest of the loan, I asked XXXX to never talk to me again, because he is trained in improper collection techniques by OneMain Financial.
Product: Debt collection

the original debt was for a physician, I have repeatedly tried to contact every office of Professional Credit Management that I can find in Arkansas. All of the phone numbers are disconnected or ring incessantly. This is a very old debt and I do not even know if it is valid ; I did owe this clinic but they have not brought it up in numerous subsequent visits made since XX/XX/2011. This collection is hurting my credit i am trying hard to rebuild ; and I can not even reach or contact this company to make my case. There is no way to contact these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all of these issues directly with Equifax regarding all inaccurate information. Ranging from wrong names, wrong addresses, wrong identity, etc. I provided proof of my identity to the bureau as they requested. No actions taken by the companies as of yet All addresses are wrong with the exception of the updated address. 

This is a different XXXX XXXX. I have never received service from this place. Verify and validate and remove immediately, please. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX {$4300.00} Date assigned XX/XX/XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original amount owed {$75.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX Agency XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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

XXXX XXXX XXXX XXXX added a fraudulent account that I do not recognize. Convinced me to pay a settlement when I later realized I do not own the debt. It is now currently being disputed I have not supplied proof under the doctrine of estoppel by science, XXXX XXXX, XXXX ( mo ) XXXX XXXX XXXX I presume no proof of the alleged debt nor therefore any such debt, in fact therefore exists Account is SIF and per the FCRA 15 U.S.C. 1681i, if an account is showing unproven, non-compliant, incomplete, untrue, Incorrect and unverified aspects and the alleged derogatory account must be negated in its entirety, or the accounts are to be completely deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car off on XXXX XXXX, 2017 with Credit Acceptance Corp. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and Credit Acceptance Corp. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me Credit Acceptance Corp is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - {$800.00} XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$2100.00} These are medical collections that are being reported illegally, this is violating my privacy and HIPPA law. Please remove from the credit report or you are opening yourself up to litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX BANK account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXT XXXX XXXX account XXXX XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX account # XXXX XXXX and XXXX XXXX XXXX XXXX account # XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/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 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 card or prepaid card

My father has a Capitol One account where he is the primary and I'm an authorized user on the account with my own card. I could not get into the Capitol One app, so I called the number on the back of my card to check the balance and find out when a payment was due. Majority of the time, it would tell me that there was not a due payment. Because of the high credit limit ( {$3000.00} ), I made payments 2x a month ranging from $ XXXX {$350.00}. 

Two weeks ago, I was finally able to get into the Capitol One application and it said that our account was restricted. I contacted Capitol One customer service XX/XX/XXXX and the rep would not provide an exact reason why, stating that it was in a letter my father should have received. My father had just moved from XXXX XXXX XXXX and believed that was the reason. She did not confirm or deny, but stated that to resolve the accounts, we needed to fax personal security documents such as birth certificates and social security numbers to a fax number she provided. I looked today and saw the accounts are still restricted, so I contacted Capitol One customer service again. 

However, this customer service rep says that they CAN NOT fix the accounts and there's no way to reinstate them because there were possibly delinquent payments. Prior to the call, I called to check the balance and it said a payment was not due until the XXXX of XXXX. I asked her why the other representative needed those documents as though that would fix it and she did not explain. Worse than that, there is no documentation of the conversation we had on the XXXX with the rep, my father and I and the whereabouts of where he faxed his personal information to is unknown. The representative stated that she would make a report about it but at this point, I don't know if I can trust that as it's become very concerning.
Product: Bank account or service

I am submitting a new complaint regarding my old complain # XXXX. It seem that we are still having issues. BofA has reported mt to the credit bureau again.. I finally have a XXXX balance but some how owe XXXX which is what they reported again. Please review my last complaint and help me get this resolved.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XX/XX/XXXXaccount [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now.

Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Vehicle loan or lease

I bought a car in XX/XX/XXXX. Unfortunately shortly thereafter on XX/XX/XXXX the vehicle was involved in a wreck and the car was totaled. My Insurance carrier XXXX swiftly paid the value of the car, roughly {$8000.00}. Shortly thereafter, they received the {$2000.00} warranty refund. This left a balance just under {$2000.00}, which is being covered by GAP insurance. And, even with all those insurance payments, I was reported late to the credit bureaus. I signed the car ownership over to XXXX at the end of XX/XX/XXXX, and since it was being paid off, I did not make a payment. I was current at the time of the accident. However, Flagship is reporting me 30 days late to the credit bureaus and additionally sending me past due bills, when they are getting paid out by these various insurances. They are piling late fees on top of this as well. I wrote Flagship a letter in XX/XX/XXXX, asking for clarification, and I received no response. I reported to XXXX and also the Better Business Bureau. I am not understanding why I am being reported late and late fees added on a totaled car being paid out by insurance. I already bought a new car after the accident, and have been making payments on it. I never imagined I would be pursued for payments on this totaled car. Please help me. Flagship credit acceptance will not communicate with me at all, nor help.
Product: Payday loan, title loan, or personal loan

I applied for a small loan for under {$1000.00}. I was approved for {$700.00} from XXXX XXXX XXXX I was not told that there was an interest rate of 780 % before accepting the loan. I received the loan on XX/XX/XXXX, the loan balance has increased to {$910.00} as of XX/XX/XXXX. The first due date is XX/XX/XXXX in the amount of {$240.00}, and the second payment is due on XX/XX/XXXX for {$230.00}. In the span of the loan, it will cost {$2900.00} with payments due every 15 days. This clearly is not affordable.
Product: Debt collection

I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Receivable Management Services Corporation
Product: Credit reporting or other personal consumer reports

I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with someone at Transunion for the fifth time on  XXXX / XXXX / XXXX  about fraudulent inquiries on my credit report. I have placed fraud alerts on all the credit bureaus because I found activity and have been receiving denial letters for things I never applied for. I was told to file a police report. Went to the police station here in  XXXX   XXXX , Missouri. The sergeant on duty stated to me that if there was no balance nor account opened, that no criminal actions was really committed. She told me that the credit bureaus should remove them do to me supplying information and showing that there is some form of fraud going on. These are the unauthorized/unverified inquiries that I have asked to be deleted.  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 . According to the FRCA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the my phone call and as well as received a new report with no change nor verification, one can assume that there was NO investigation into the matter. I plan to purchasing a home this year and having this many hard inquiries on my credit report, that I did n't authorize, is a sign of financial risk, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have included ALL supporting documentation.
Product: Credit card

On XX/XX/XXXX I was notified by Kohls of uncharacteristic charges on my account on XX/XX/XXXX and my account was frozen. After reviewing my statement there were two charges for XXXX and XXXX and Kohls was turning it over to their fraud department.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan from LightStream which is run by Truist Financial Corporation. Truist, LightStream, and the LightStream logo are the service marks of Truist Financial Corporation. The Loan was declined on XX/XX/2022. After submitting application they send me an email to answer questions about my application. I called the number provided in email and answered all questions their agent asked. I was asked to submit more documents in addition to documents and details already given in my application. 
I complied and submitted several documents only to be told in another email that my loan is declined and I can " check '' the reasons after logging on their website within XXXX  days. I never received any call any letter or any reasoning from this company. Based on their advertisements online, my credit score and my annual salary as a XXXX and my investments and saving, I believe that I am discriminated by this company based on my XXXX my XXXX, my XXXX. This is a sham company which should be investigated and if required prosecuted. 

XXXX XXXX