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

The accounts listed below MUST BE REMOVED IMMEDATELY! I filed a complaint with each credit bureau, local law enforcement and the XXXX about the false reporting of accounts in my name! I also found the identity theif 's name and info and submitted it to law enforcement. Yet these accounts are still on my credit. The accounts listed here do not belong to me : 1 ) XXXX XXXX XXXX XXXX   {$1000.00} Opened XX/XX/XXXX XXXX ) XXXX XXXXr {$11000.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX  {$240.00} XX/XX/XXXX
Product: Credit card or prepaid card

Credit card company response to unauthorized charges was that it was my responsibility to deal with the auto rental company and that they " believed the rental car company '' = they felt I was a liar. Same response for the other smaller unauthorized charges. 

Credit Card company REFUSED to resolve the unauthorized charges and issue credit to my account, stating they would ruin my credit if I did not pay the charges THEY claimed were accurate despite my dispute. 

When informed I would file a consumer complaint, they got angry and stated " DO WHATEVER YOU FEEL YOU NEED TO DO '' and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE TO KNOW THE REASONS AS TO WHY THE NEGATIVE REPORTING ACCOUNT FOR XXXX XXXX ( XXXX ) IS STILL REPORTING AS AN UNPAID CHARGE-OFF ON EQUIFAX, XXXX  AND XXXX. WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/2019, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX  OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAS TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Debt collection

In 2018 i was a victom of identity theft and charges were made to a credit card that i did not approve. A report was made to citi bank. An invistagation was suppose to be made but was not and they sold the debt to XXXX XXXX. When i was contacted by XXXX XXXX debt collector i told them the debt did not belong to me, they have denied the settlement i offered and are currently being suing by their attorneys at law XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered on XX/XX/XXXX that my XXXX account was reported as suspended while updating my XXXX credit report. I called to inquire about inquiries that should have been removed from a fraud claim related to inquiries made by someone attempting to buy a car. I was not expecting to see my XXXX account as suspended. My account is not suspended. Its actually in good standing. I have not allowed this account to be behind 30 days because it is being reported to the credit reporting agencies. I was finally able to contact XXXX on XX/XX/2024 at XXXX XXXX  & spoke with XXXX. XXXX confirmed that my account is not suspended & is in good standing. She sent me an email and I sent proof that my account is being reported incorrectly. XXXX has escalated this. Hopefully, we can get this resolved soon.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( XXXX ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( XXXX ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX XXXX  old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( XXXX ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

US auto sales have sent out of business. Sold my contract to a third party debt collection agency called Westlake portfolio. My loan became a debt that negatively impacted my credit score. Not only hasnt my credit score been updated but now Im paying for warranties and gap that are not honored by the transferred party.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I am requesting a XXXX ( cancellation of debt ) from the followed charges off accounts listed below : Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After checking my most current report the updated info states the accounts were purchased by a lender XXXX XXXX XXXX XXXX, this account be reported as a charge off on my credit report if the account was sold to another lender, Please send the XXXX form. 
Thank you in advance for your assistance in this matter.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Experian a letter requesting what method you used to verify the bankruptcy on my credit report. On XX/XX/2022 they responded with them have verified it with XXXX. On XX/XX/2022 I sent them documents from XXXX showing bankruptcy removed and was no longer in their Accurint Database. I also sent a document from the courthouse showing that they dont communicate with the credit bureaus and no bankruptcy in my name.
Product: Credit reporting or other personal consumer reports

This issue started back in XX/XX/year>. I was looking at my report and noticed there were some things that was not correct. I sent tons of letters to the credit bureaus. I asked them to investigate the completeness and accuracy. I haven't received the results and noticed they did not fix nothing. There are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that either.

They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me. I'm only trying to do the right thing so that I can be ale to get a house for my family because I'm homeless, These items on my credit file is hurting my credit and its preventing me from getting anything. Will you guys please fix it?
Product: Mortgage

In XXXX of XXXX, a mortgage modification application was submitted to Mr. Cooper due to a Covid hardship. 
Each month, documentation was missing on their end, it had expired, or they never received it or needed more paystubs. 
During this time, they told us to not make any payments until we had an answer on the application. 
In XXXX of XXXX, we got served foreclosure papers- and were told to disregard that as that was an error on their end. A week or so later, they denied us due to the amount owed being greater than XXXX percent of the value of the home. 
We contacted the USDA as this is a USDA mortgage, and we have {$34000.00} available in an XXXX account - that Mr. Cooper can utitlize ( and we stated we would pay the difference of what would be owed- which would be about {$10000.00}. ) Mr. Cooper denied that as they stated they would not be able to take it in XXXX payments, and that we would have to apply for a modification again. - which we know would be denied because the Covid Hardship ended on XX/XX/XXXX - but our original application started 14 months before it ended. Mr. Cooper just wants to foreclose on us - and kick us out of our home; with XXXX XXXX XXXX  involved - because the equity on the home has doubled since we bought this house. We have reached out numerous times to Mr. Cooper to get this matter resolved ( as we have not heard anything from their end regarding the denial ) but they deny us immediately and each associate doesn't wish to help us - as all we want is to get our mortgage re-instated so we can continue to make our monthly mortgage payments.
Product: Payday loan, title loan, or personal loan

I had an installment loan with Tower loan. I fell behind in payments and the interest rate at fifty five percent. I would make a payment with my debit card and no receipt. Then I start going in person and I would ask for a balance after payment. I went through at least four managers in a ten month span. I could never get a balance of what I paid. They would always give me the balance before payment with payment. No matter how much I paid the balance barely moved. After a long period of time I received this letter of judgement Principal Amount XXXX, Accrued Interest to the date of judgment XXXX, Attorney Fees XXXX, Court Cost XXXX Total {$1800.00}. 
I had already agreed to pay {$50.00} a month until paid in full but I never thought the outrageous 55 % interest would continue. 
The first judge advise me to get a lawyer, but his last words to me was to just show up at the next hearing. He then ordered the lawyer to have a rep from Tower loan there. I later received a letter from the lawyer stating that he has changed judges and a new court date. The second judge told me that the law was the law and he couldn't argue my case. So that told me I have already lost since I can't afford an attorney.
Product: Credit reporting or other personal consumer reports

This complaint is being filed against Equifax, XXXX, and XXXX for failure to comply with federal laws governing the reporting and timely removal of inaccurate accounts associated with identity theft. 

I have previously submitted an Identity Theft Affidavit, an Affidavit of Truth, and copies of my identifying information to each of the credit bureaus via certified mail, which has been received as evidenced by the return receipts. These documents clearly establish that the following accounts are fraudulent and must be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I stated Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), you are required to investigate and delete any information that can not be verified as accurate within 4 business days when identity theft has been properly reported. Specifically : 15 U.S.C. 1681c-2 mandates that credit reporting agencies block fraudulent information within 4 days of receiving an identity theft report and proof of identity.

15 U.S.C. 1681i ( a ) ( 5 ) requires the deletion of inaccurate or unverifiable information following a reasonable investigation. 

Failure to comply with these obligations has been adjudicated in the following court cases, which highlight your liability and lack of compliance : XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to remove inaccurate information after proper notice constitutes willful noncompliance with the FCRA. 

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit reporting agencies are liable for damages when they fail to conduct reasonable investigations.
Product: Debt collection

In XX/XX/2022 I decided a voluntary repossession would better suit my situation, and on XX/XX/2022 the car was sold at auction - the Fair Market Value of the car was greater than the sold amount and so they applied the XXXX to the balance. I received a deficiency notice in XX/XX/2022, and that said my balance was {$2200.00}. On XX/XX/2022, I settled with Santander Consumer USA for {$580.00} and we agreed to 3 payments between XXXX, XXXX and XXXX. I made my payment on XX/XX/XXXX and I found out they applied the payment to interest - but they put my account as charged off ; a charged off account can not accrue interest. My credit reports show a balance of {$1200.00}, my online portal with Santander shows a balance of {$730.00}, and the settlement letter from Santander shows a balance of {$1400.00}. I refuse to continue to pay towards a settlement when they refuse to report correct balances, lie to me every time I inquire of these discrepancies over the phone, and put my payments towards interest that shouldnt exist.
Product: Credit card

I had what I believed to be a joint account with Capital One with my ex-husband. The account was opened in XXXX ( by me and using my e-mail address ) and the current credit line was {$11000.00}. We divorced in XXXX and I have been making the payments on the account since that time. The bills come to the house that I own and all payments have been made from my individual checking account. My name is on the bills ; was on any transfer checks that were sent ; and the account appears on my credit report. My ex-husband decided to cancel the account on XXXX XXXX and was able to do so without my knowledge or consent. Capital One is saying that he is the primary cardholder and has the right to do that. This does n't seem fair as I am the one that has made all of the payments for the last 10 years and the one that made sure each of those payments was made on time for the last 16 years. It appears discriminatory to me that my 16 year credit history can be wiped out as well as the {$11000.00} of available credit being taken away from me without my knowledge and without any options for saving my record being offered to me by Capital One. I have called multiple times and written XXXX letters to no avail.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and did not authorize opening a XXXX Credit card. I have tried multiple times to contact XXXX, via telephone, filing disputes and through letter, but they keep reporting inaccurate information. I have filed the proper identity theft paper work, at this time my consumer rights are being violated.
Product: Debt collection

Reference/Account # XXXX Not my problem and if you make it my problem, I will sue youi for way more than the collection if this reflects on my credit. 
The Director of XXXX XXXX returned these uniforms herself. 
Who is sitting in this office filing this XXXX with ZERO communication to me?? No phone calls, no emails, no texts, ect.!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, there is an fraudulent account on my credit report from XXXX  XXXX XXXX with the account number XXXX opened in XX/XX/XXXX. I have never opened an account with XXXX  XXXX XXXX. 

I do not have an account with XXXX XXXX XXXX. I've never had an account with XXXX  XXXX XXXX. I have not given anyone permission to use my credit or to add my name to an account with XXXX XXXX XXXX. 

This account needs to be deleted upon receipt of this documentation.
Product: Credit card or prepaid card

I been trying to talk to NetSpend and to serve about my refund and NetSpend about my government and school loan they keep sending me cards idk why there's nothing in them and I keep getting emails there's funds but wen I call they lick me out I am profound XXXX  it's hard to talk on phone idk what to do please help me find out were all my money please
Product: Credit reporting or other personal consumer reports

Toyota financial services account number XXXX financial institution may not disclose nonpublic personal information to a non affiliated also there listing late payments. 
15 u.s. code {$6800.00} Obligation with respect to disclosure of personal information.

third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 u.s.c. 1681a ( 2 ) ( I ) 15 u s. Code XXXX XXXX  timing of payment
Product: Credit card

I issued a check to Dillards in XXXX and it never went through then received another statement in XXXX stating it was paid due. I called on XXXX XXXX, 2015 and paid the {$2.00} over the phone and was given a confirmation number. I called today XXXX/XXXX/15 to verify that the balance was showing XXXX and it still is showing the {$2.00} as past due. I am very upset because this is showing up on my credit report. Also, the woman stated that they tried again and it would not go through using my debit card. There is something wrong with Wells Fargo who is handling Dillards. I am going to the store tomorrow to pay this off. Can you please inform someone of their practices.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Finacial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process were unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.