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

XXXX accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Reference # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy. 15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This collection company is wrongfully, reporting fraud on my XXXX credit report for a fraud account with XXXX XXXX XXXX for {$470.00}
Product: Checking or savings account

Inquired about opening a checking account with XXXX XXXX, went in person to the closest branch to me, XXXX, CT branch, officially opened a Simple Account XX/XX/2018, account # XXXX. Communicated with XXXX XXXX, Financial Services Representative, over the phone, re : online transactions, cleared checks info, etc. learning this banks processes. On XX/XX/2018, received a call from someone from TD, did not obtain this persons name, advising me TD has  closed my checking account, effective in 30 days. TD would send me closing check. Information regarding this account was provided to me incrementally, their way of blindsiding a new customer, such a typical agenda with all these banks. DECEPTIVE practices, Federal Bureaus terminology. Will follow up to get a confirmation that this, in fact, is TRUE, and not FRAUD, etc. I informed this XXXX that TD would be on a 1-3 month trial with me, having mega issues with banks these days. They want to be assured that their customer will go into debt, taking out loans, collections, messing with senior citizens accounts. Same scenario across the board with all these banks. Frankly would NOT trust or have CONFIDENCE in any of their representatives with any of their advice. Pretty XXXX how these banks function. Add this to my file with CFPB. These banks want to have CONTROL of the customers money and can MESS with their accounts, so apparent with XXXX XXXX, now in a {$140.00} million class action case, particularly preying on SENIOR CITIZENS. Many of these employees, if they are employees, are busy, nosy busy bodies, maybe a snitch for someone or XXXX knows what, not a comfortable relationship when doing banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed today from my Business Loan Officer, TransUnion is reporting an alleged Child Support claim as a BANKRUPTCY on my consumer report, this failure committed by TransUnion, to do a complete and thorough investigation into the report from the furnisher, which was not the courts, possibly a 3rd party, before reporting it on my consumer file, has resulted in denials for essential funding for my business, ie. Grants, Loans, and even business funding. TransUnion has caused me and my family, severe financial loss and emotional damage as a result. This company is in, and has been in direct violation of The Fair Credit Reporting Act In accordance with the Fair Credit Reporting act. TransUnion has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

This company has been in violation of the Fair Credit Reporting Act in this case since at least XX/XX/2018. 

This account shall be DELETED and removed from my file for providing, inaccurate and false information. I never filed Bankruptcy. This statement has resulted in severe financial losses. No to mention the damage it caused my family in emotional hardship. 
I will be seeking legal relief in this matter as well as financial compensation, if this matter is not resolved to my satisfaction promptly.
Product: Consumer Loan

obtained loan from Honor Finance for vehicle in XX/XX/XXXX. made payments monthly up until XX/XX/XXXX when their website told me I did not owe anything on loan. I wrote numerous letters and they did not respond until the middle of XX/XX/XXXX when I sent a certified letter at which time they told me I owed a payoff amount for the account for XXXX amount and 10 days later it would be a different amount. We never got bills or statements from this company even when we requested them. we had no idea what was going on with our loan or where we were at with payments. I sent them a letter stating that we were not going to pay additional interest due to their lack of response to all our previous letters and their lack of providing us as consumers information regarding our loan status at any time during our loan even when requested. They then sent a letter certified stating we owed yet a different amount and that they were going to repossess our vehicle without any need to go to court, but if we wanted to go to court we had to let them know in 15 days. Due to their lack in providing us as consumers the information we requested regarding our loan they prevented us from knowing balances on the loan, breakdown of payments, how many payments were left, when payments were processed vs when they were sent/made, etc. We sent letters every other month since the beginning of the loan and only once received a response and the statement we requestedTheir practices and business has kept us in the dark and with no information regarding our loan for the duration of the loan. In letters we sent it stated that all communication was to be writting and they were not to call, yet someone I know called to say that they were getting up to XXXX phone calls a day from Honor Finance who was also providing info about us that violated our legal rights. Even if they contacted us via phone I believe they are only able to call once a day.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account not been late on any payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) .I 'm now requesting you investigate this account and update these payments to paid on time immediately Thank You for your understanding and prompt action. 

XXXX XXXX Account : XXXX SSN : XXXX
Product: Debt collection

Collection agency continues to try to collect on a debt that does not belong to me and was never my bill. The original creditor has attempted to assist me with getting item removed from credit report but collection agency refuses to assist either of us in getting matter resolved. Original debt was established by someone visiting emergency room and using my personal information to get service. No identification was provided or signature from the individual. I have disputed debt with all bureaus and they continue to resell the debt and will not remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my major credit bureaus are correctly reporting that I have no public records. A former bankruptcy was properly deleted in XXXX 2019. However, they continue to say I have a bankruptcy on their XXXX score which all three of the major compile. I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is reporting on my Credit Report : XXXX. XXXX XXXX Inquired on XX/XX/2021 2021
Product: Checking or savings account

I talked to a Citibank representative on XX/XX/XXXX. I complained about a new monthly service fee. They helpfully reversed the fee and told me I needed to wait for my Citi->XXXX transfer to complete before closing my account. 

I called again on XX/XX/XXXX. The representative sent me a code over SMS to authenticate and asked me to authenticate in the mobile app. I did both of these successfully, but he said he also needs my debit card number. But a savings account doesn't even have a debit card. He said he couldn't transfer me to another agent because we weren't authenticated, and he said I should call back at another time and provide my [ nonexistent ] debit card number. I asked what else I could do, since there is no debit card, and he said that there is no other next step.
Product: Debt collection

I made a settlement arrangement with American Express for 24 monthly payments. I have been making these payments via phone for 12 months. I have asked repeatedly for the people I deal with ( American Express Global Collections ) to send me written confirmation of my payments and they refuse. When I press the matter, they hang up on me. When I call the general American Express customer service number, they refer me back to the American Express Global Collections number. I am getting nervous about paying such a large sum without written confirmation. I have no idea who these people are or if they are indeed working for American Express. And I have no idea if once I complete my payments, American Express will consider my debt settled. It is all very vague and sketchy, and I ca n't understand why I ca n't be sent written confirmation of my regular payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information about balances and on time payments is not being recorded correctly or consistently between TransUnion, XXXX and XXXX. All three say they only report what they are given. The Accounts say they give the same information to all agencies. The result is my credit reports and scores are not the same. This causes financial damage to me personally when I have paid my payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I called Exeter Finance and spoke with XXXX with badge # XXXX. I spoke with her about an account and credit inquiry not found in there company database. I asked for an explanation on how the credit inquiry was placed and she could not verify any information with me, but tried to obtain all my personal information to place on file. I asked to dispute the inquiry and to receive a full copy of contract bearing my signature as required by law, but she stated there was no information nor account with my information. XXXX credit report states otherwise.
Product: Debt collection

I sold my car when it broke down for scrap money to a Tow Truck Company. They sold it to another person that failed to register the vehicle. I removed my Auto Insurance once I signed over my title. The new owner was cited in an Auto Accident. The vehicle did not have the plates that I was issued ; because I took them when I sold the car. The car was tracked back to me by the VIN. WA State, the party that was hit in the accident or XXXX did not make any communication with me. I was not ticketed or cited for any wrong doing or violations. I am not currenlty in collections and none have been reported. A law firm claiming to represent XXXX is threatening to suspend my license if I do not pay them {$4100.00}. The proported Law Firm is Jonathan Neil & Associates , Inc .
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ( an XXXX XXXX XXXX XXXX ) misrepresented the amount that was owed on move of the apartment we were staying in. I received orders overseas for 2 1/2 years and ended the lease based on the orders report date. I notified XXXX XXXXXXXX and they proceeded to bill me for the extra month of rent. Additionally, on move out we completed a walk through and it was verified that everything was in order with the exception of the holes in the wall from the home decor. When I received a final bill they had added a charge to replace carpet. In California there is a requirement to change the carpet every 7 years. We have no way to verify what the carpet date was and if it was actually replaced. This is the second time this company has done something like this. Lastly they are claiming we missed payment on our water and sewage bill for almost a whole year! The system we logged into to pay the bill is tied with the payment of rent and I have no way to access it to pull up receipts for the payments that we made. XXXX XXXX XXXX XXXX XXXX hired a collection agency to try to force us into paying the amount they requested. The company is called FCO or Fair Collections and Outsourcing. We spoke with FCO on multiple occasions and explained what I have just expressed. I submitted a copy of my orders to XXXX that was used for move out and a copy of the SCRA for it being overseas. I explained I did not have access to my old emails to prove the apartment complex was notified. However advance notification was not needed due it being XXXX. FCO said they would speak with XXXX XXXX and since then I have heard nothing back from them. They refused to send emails pertaining to the correspondence that was taking place between them and the rental company or us and them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today to dispute an error in my credit report. According to my credit report, I have a late payment on my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. I need you to fix the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX, XXXX XXXX Opened XXXX XXXX, XXXX Balance {$530.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 



XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXXXXXX XXXX  IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX this is my third attempt trying to obtain my consumer report from TransUnion. I am using the CFPB in hopes to obtain my consumer file and report from TransUnion.
Product: Credit reporting or other personal consumer reports

Somebody opened an account with XXXX XXXX using my information. The account went into collections and is now on my credit report. I have talked to the XXXX fraud department and they sent me a letter stating I was a victim of fraud and I am not responsible for the charges. I filed a dispute with all three credit agencies and attached the letter from XXXX as proof. XXXX and XXXX removed it from my credit reported but Experian refuses to remove it. I do not know what else I can do to show them the charges are not mine.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw l had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX account number XXXX never heard of this company or ever had an account with XXXX  please delete this account immediately. I sent them a letter on XXXX
Product: Vehicle loan or lease

I have been having problems with Santanders USA for awhile now. From missing payments to over charging to not receiving documents to sign at the beginning of the loan. I have sent out and contacted Santander on multiple occasions in regards to this matter. Last one being XX/XX/XXXX by certified mail disputing the account payment history, amount owed as well as the validity of the loan. I sent several emails and called Santander in an effort to get this matter resolved. Around XXXX of XXXX I received a document stating that I was entitled to one or more compensation from Santander due to the lawsuit that was filed by 39 states AG offices. Shortly after that my account was closed. I then contacted Michigans Attorneys Generals office and was told to go to a website that would explain what I was entitled to. According to the website I am entitled to a monetary amount and since my account was closed I was also entitled to Loan forgiveness and Santander was suppose to send me the title to my vehicle, wipe off all negative reporting on all three credit bureaus etc. Once again I reached out to Santanders and was told that my documents I received from the AG office was fake and that there was no settlement reached. Santanders received my certified letter with return receipt requested on XX/XX/XXXX. XX/XX/XXXX they had my vehicle repossessed. I received nothing back from Santander regarding the certified dispute letter sent to them. This company has violated my rights on more than one occasion and have not been held accountable nor responsible for any of there illegal acts. Pursuant to the lawsuit that was filed by 34 Attorney Generals Santander is not suppose to be repossessing any vehicle involved with this lawsuit. Santanders need to be held accountable for their actions on all fronts. By repossessing my vehicle without settling the dispute is a violation of the consumers rights as well as them not honor the settlement agreement they made with the 34 states. See Santanders lawsuit.
Product: Student loan

Dept Of Ed/Nelnet Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of ED/NELNET multiple times and have provided all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at NELTNET and they admitted error and it would be fixed. its been years since I've been fighting this error with NELNET. Account has been paid off and on time.
Product: Debt collection

I was contacted by the State of XXXX  that the State of XXXX  has a hold on my driver 's license. ( XXXX  pulled my information this year and said I will lose my XXXX  State Drivers License because of this judgment in XXXX. I have not lived in XXXX  for 10 years. I called the state of XXXX  and they said they do not have the paperwork but there is a judgment against me and can not release or reinstate my drivers license until I pay this debt. I was told by the State of XXXX  to contact the Hughes Law Firm  with file # XXXX. I then call the law firm and spoke with XXXX XXXX ( XXXX ) they said they had my file and I needed to put down {$2500.00} and pay {$500.00} a month for the judgment. I then contacted XXXX with XXXX XXXX because I didn't have time to deal with it. XXXX requested the files from XXXX XXXX with the McHughes Law Firm  and he said he doesn't have the paperwork and she could get it from the courthouse. XXXX then asked if she could get a copy from them showing that Hughes Law Firm  is the representative on file for the judgment against me. XXXX XXXX stated they do not have any paperwork to give and I needed to pay the balance. 

To this date I have no documentation on this judgment and I've lived in XXXX  for 10 years and all of the sudden I have a judgment that no one can show me proof but want me to pay it to reinstate my license.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account ( s ) # XXXX, # XXXX, # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : 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 a purpose.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Can you please verify the documents? Some accounts listed have errors in the reporting, amounts, and dates.