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

Whom it may Concern : After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX Please remove Address below XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX  XXXX Bankruptcy case # XXXX with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is below. 

" The Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. '' It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately!
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : DEPT OF ED / XXXX : Account Number : XXXX Account Name : DEPT OF ED / XXXX : Account Number : XXXX Account Name : US DEPARTMENT OF EDU : Account Number : XXXX Account Name : US DEPARTMENT OF EDU : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : DPT EDXXXX : Account Number : XXXX Account Name : DPT EDXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I request that equifax remove out dated personal information name address jobs spouse phone numbers .I sent letters to them twice to remove these items they only removed 2 address only please remove all that is the letters I sent you { because it is alot of personal information I did not post here
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

And according to 15 USC 1681s-2 they are suppose to 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

COMENITY BANK/LNBRYANT XXXX XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX / XXXX XXXX
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 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not satisfied that Transunion has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs proper action to assure the maximum possible accuracy on my credit file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Update the account below : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates has placed a collection account on my credit reports for a credit card that I never had. I didnt know if it was identity theft or if it belonged to my father who is now deceased who had the same name. However I never had a capital one credit card. Nor did I ever use one. Ive been fighting thiS with XXXX XXXX for years! They never removed it. XXXX  XXXX sold it to portfolio recovery Associates. I I do not owe XXXX  XXXX nor do I owe portfolio recovery associates.
Product: Debt collection

I received a cal from a weinberg and associates lawyers office. They told me that I had until XXXX XXXX that day to pay them an amount of XXXX dollars or they would prosecute me with a several felonies and a warrant for my arrest would be issued that day. She also said that I signed documents saying that they could do this to me. I got scared and I paid the money. the first person I received the call from was in Georgia while the company that charged me was in Florida. This made me suspicious of the company so I called the original company who I received the loan from and they told me that they were unfamiliar with this company and the agreement I signed said nothing that about prosecuting me legally with felonies. He told me it would be just a small claims court and that is what they contract out to their third parties. I was afraid because this company told me that they had papers drawn up and were sending them to XXXX XXXX   County court where I live to prosecute me for Check fraud. I still haven't called the third parties that the original debtor told me was handling my debts but this company collected XXXX from me with a scare tactic, and from what the original debtor told me that was illegal. The companies that the original debtor said is handling my cases were XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX, XXXX, and Transunion notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX XXXX had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint ( this time ) is with XXXX. I'm getting extremely tired of doing this!! 

The biggest scam going on in the credit reporting market is how all these companies operate. I'm not paying for their services if all I receive is a summary and a score. They completely " play us for fools '' by hiding information, information that needs to readdressed by Congress on what we should be entitled to! Who knows ... this might be changing yearly by financiers. And XXXX, a XXXX XXXX service, needs access to our phones for simply log-in purposes.

Reporting is not monitoring and this needs to come down hard on all the three major credit bureaus. Inquiries run rampant as far as I'm concerned, and bills go unpaid to their pleasure!! Something needs to get done drastically.

... And all I'm simply looking to do is to see what my Debt to Credit ratio is!!!!
Product: Debt collection

The date on this account is inaccurate and is over 7 years old. By law it is supposed to be removed and it's showing on all three bureaus.
Product: Credit card

In XXXX XXXX my checking acct was compromised that my credit card payment was auto-pay through. Since then I made monthly money order payments. My balance in XX/XX/XXXX was {$2000.00}. I sent 4 ) {$200.00} payments. I do NOT use the card for purchases & the interest is about {$3.00} a month. My balance is still {$1400.00}. I am clearly not credited for my XX/XX/XXXX payment. My bill went up that month instead of down. They insist that I was credited. There is some confusion because they repeatedly tried getting the payment through the bank, even though I told them not to. So they credited the bank payment then added it back on repeatedly. But it should n't take a genius to do the math. {$2000.00} minus {$800.00} is {$1200.00} not {$1400.00}. I called twice & wrote a letter & keep getting the same answer.
Product: Consumer Loan

I am military and I am going through a hardship right now with my wife going back and forth to custody court for her daughter and her father had XXXX her. All my creditors are working with me to get lower payments except for one Pioneer Services. They unwilling to work or budge at and they state that they are in support of the military i have asked many times and contacted them many times with no resolve.
Product: Checking or savings account

A Bank of America account was opened in my name without my permission. I have security alerts with the three reporting agencies. Not sure how someone was able to open account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information and has now put me at risk of identity theft. Their website shows that my information was included in the breach.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX # XXXX XX/XX/XXXX - {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$17000.00}
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX my card was misplaced, the next day ( XX/XX/XXXX ) someone removed XXXX from my account which made it under. The very next day ( XX/XX/XXXX ) another transaction for {$100.00} was once again withdrawn from my account. Once i found out my bank was under on the XX/XX/XXXX due to me being locked out my app. I filed a claim Saturday XX/XX/XXXX about both withdrawal and was told to contact the bank Tuesday but to the holidays on Monday XX/XX/XXXX. Come Tuesday XX/XX/XXXX i was told there was no information provided. So Friday XX/XX/XXXX, i go to Regions Bank to get a new card and was told my claim was denied due to my pin being used, i received no call or email. I informed then that i write my pin on my card so i wont forget it which i know im not the only person who does that. But i felt they were basically saying oh well keep up with your stuff and your money wont get taken. People lose their bank cards daily and dont be knowing it but we get faulted for it. Not fair, what should i do?
Product: Debt collection

After reviewing my credit report i notice a derogatory response in my credit report associated to suburban credit collection in which i sent written notice on ( XX/XX/2021 ) requesting for a validation of this debt under the fair debt collection practice act, that the claim is disputable and validation is requested. instead of validating the debt, Suburban credit collection failed to validate the debt. They equally went ahead to XXXX PIPPA regulations by getting my personal information such as my social security number, a list of my medical record and send them to me on ( XX/XX/2021 ). i never signed a PIPPA form authorizing them to have access to this information. Please i want them to delete this information from my credit file and cease all collection activities immediately.
Product: Vehicle loan or lease

I purchased a used vehicle in XXXX from an auto dealership in XXXX, NJ. At the time, I was in need of a reliable vehicle and I was eager to make a deal for a XXXX XXXX XXXX. My XXXX score wasn't the greatest so my financing options were limited. I obtained an auto from Credit Acceptance Corporation. I've never heard of the company at the time I purchased my XXXX  and I was hesitant to sign the paperwork as I was feeling rushed but Credit Acceptance assured my that if I make only a few on-time payments they would have refinance options available to me because my rate is in the high 20 percent range. 

I made on-time payments in the beginning of my loan term but then COVID hit and that's when my financial situation became impacted. I reached out to Credit Acceptance several times for help and they were rude, ignorant, judgmental, and not willing to help me at all and basically said, " oh well, we'll just repossess your vehicle if you can't pay now. '' I also felt intimidated every time I had to call them because they would harass me 100 's of times a week via cell phone. Whenever I called this company I felt I was being discriminated based upon the sound of my voice and the letters of my name. Basically, because I'm a white male I feel I was being treated unfairly and denied COVID protection and payment options to resolve my past due balance. Plus, this vehicle has been in the repair shop for over 6 months because there has been significant mechanical issues which estimate to be over $ 5k. 

Today, I spoke with a supervisor at Credit Acceptance and he said either I pay or they are coming to take my XXXX. I can not afford {$500.00} a month for a XXXX loan balance. The rate is astronomical and I shouldn't have been approved because an interest rate so high only sets people up for failure if unforeseen circumstances arise ; this company should want to help people who try to do the right thing but instead they rather jeopardize a person 's livelihood based on their personal profile. 

I feel like I was taken advantage by Credit Acceptance, especially considering I was forced to buy their warranty in order to obtain the auto loan. The warranty didn't cover a thing. The interest rate is unfair and they give their borrows no chance to succeed and offer no help when financial hardships happen. I can not refinance my loan due to the late payments on my Credit Acceptance account and my XXXX score. I can not even afford to get my XXXX from the repair shop because I don't have enough in the bank due to COVID wiping out my savings and taking away family members income which contribute to the household I live in. 

I may be forced to file bankruptcy due to this measly XXXX XXXX auto loan that has destroyed my credit. Credit Acceptance should be held accountable for predatory lending as they persuade uncertain borrowers into a finance nightmare all the while laughing in their face when they are behind on their loans because they know no help is available and the company earns more revenue and write offs by destroying a borrower rather than helping a borrower.
Product: Credit reporting or other personal consumer reports

Last month i found out that my ex wife XXXX had opened a mortgage loan under my name. The creditors called me demanding a payment. I have never sign anything or was aware that she had a mortgage under my name. This mortgage was done fraudulently and i wasn't aware of it.
Product: Credit card or prepaid card

Three major problems : 1 ) When calling the bank its extremely difficult to navigate the system to get help with a live person. It keeps saying I don't understand. Then you have to wait on hold for an absurd amount of time. They won't call you back like alot of businesses are doing now. You just have to wait on hold and listen to this person repeating and talking constantly. Its crazy.

2 ) On the mobile app. you can't see more than a few transactions for your credit card. So I can't determine if I got a refund on a purchase. Or see more than a day or two of purchases.

3 ) Terrible bank they do very little to help on anything. I went to the bank and the line was down the block!!!!
Product: Credit reporting or other personal consumer reports

Theres unauthorized inquiries appearing on my credit report. My rights have been violated too many times. I will be filing a lawsuit soon.