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

I have disputed the validity of 4 different accounts with TransUnion by mail. One of the accounts is still being negatively reported on my TransUnion credit report even though that particular creditor has and is violating the FCRA. Proof that the creditor did not validate my debt was sent along with a letter requesting that TransUnion investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to TransUnion headquarters. A response from them has been received and it shows that one account was updated not deleted even though Trans Union was sent proof of XXXX XXXX XXXX Violating the FCRA by not properly responding to the consumer and validating the debt correctly. XXXX XXXX XXXX was sent a debt validation letter and debt follow-up letter on XX/XX/XXXX and XX/XX/XXXX. The first response I received from XXXX city XXXX was a letter post marked for XX/XX/XXXX. XXXX XXXX XXXX XXXX the FCRA and TransUnion was notified about the violation, but did nothing. The main problem with TransUnion 's response was that they failed to delete inaccurate information from my credit report and that information still remains. This is a direct violation of the FCRA and a civil case against TransUnion will be filed soon.
Product: Debt collection

I have tried disputing a delinquent account that is showing on my credit report twice. The dispute was denied. This is something that is really affecting my life, as it made my credit report decrease by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXX {$22000.00} XXXX / XXXX - Acct # XXXX {$710.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$8400.00} XXXX XXXX- Acct # XXXX {$0.00} XXXX- Acct # XXXX {$0.00} Inquirires XXXX - Inquiry date : XXXX XXXX, 2019 XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not Authorize these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian refuses to delete duplicate information on my credit report after being provided proof.
Product: Student loan

I am submitting " Special Payments '' to be applied to Principal. Navient is pulling 30 % of each payment for interest. I really thought this would stop after the Law Suits I heard were filed. But it hasn't stopped and when I call them, I am told that I don't understand. no, I sure don't understand how payments can be current and these amounts of Interest can be pulled from a principal payment that is marked exactly how they request it be marked.
Product: Credit card

as the trustee capital one, your not acting in my best interest as the beneficiary I XXXX XXXX, and its affecting me causing more hardship, you closed my account without my consent that's considered adverse action when I pointed out reporting dates were off and needed to be corrected. upon my request to fix the issues pointed out, you closed my account on XXXX and XXXX and left it open on XXXX  acc # XXXX. unacceptable and very upsetting. you wrote that My account ending in XXXX should be removed from reporting due to its closed status but in fact its not reporting accurate because its only reporting on XXXX. that's inaccurate once again. and your letter did not address any of my prior concerns.
Product: Vehicle loan or lease

Took Car Loan from Wilshire Consumer Credit. XX/XX/XXXX. I was sometimes late but all loan payments made up to XX/XX/XXXX. Due the travel to abroad XXXX Check has been NSF. 
Without any letter or call Car has been Seized on XX/XX/XXXX at XXXX. 
Received letter on XX/XX/XXXX but letter wrote on XX/XX/XXXX and Mailed on XX/XX/XXXX received on XX/XX/XXXX. 
Try to spoke with them on XX/XX/XXXX and explain the letter date, mailing date and receiving date and request Seizure fee back and not received. 
As XX/XX/XXXX loan has been paid in Full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I AM Consumer, and a natural person who am aware of all rights that I have, and which are protected by XXXX and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 SECTION 602 A. IT also States I have the right to privacy. 15 U.S.C 1681 Section 604A, also states a consumer reporting agency can not furnish an account without my written instructions. Also 15 U.S. Code 1692c 15 U.S. Code 1692g - Validation of debts Also, according to 15 U.S.C. 6802, NO FINANCIAL INSTITUTION is supposed to share my information with a THIRD PARTY. This is a clear violation of my federal consumer-protected rights. 15 U.S.C 1666B : This is a clear violation of my federally consumer-protected rights. 
1. XXXX XXXX XXXX  Original creditor : XXXX Account number XXXX. ( Date XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 3. XXXX XXXX Account number XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( Account number XXXX ( XX/XX/XXXX ) XXXX ( Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX  ( Inquiry date XX/XX/XXXX ) XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX, Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX, Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX, INQUIRY DATE XX/XX/XXXX ) XXXX  INQUIRY XX/XX/XXXX )
Product: Vehicle loan or lease

Ally Financial was contacted most recently via the XXXX  on XX/XX/XXXX requesting that my credit file be corrected. This is the second complaint filed. Ally despite ph and written communication on XX/XX/XXXX refuses to both correct my credit file and communicate with me the consumer. 
They have ignored multiple notifications that i am no longer being represented by an attorney and send all communication to my former attorney as a violation of my privacy and dependence on someone besides the creditor notifying the borrower. This means a violation of my privacy. This last unscrupulous act which has led to this complaint was a letter received by my former attorney where the document was not sent and an email saying to notify Ally financial that they no longer represent me. 

At this point I am throughly at my wits end in dealing with Ally Financial who from XX/XX/XXXX to this day has defiled my name, ignored a court judgement issued by XXXX County VA in XX/XX/XXXX, and who has reported incorrectly on my credit report. 

I seek your assistance in resolving this matter
Product: Credit reporting, credit repair services, 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.

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

15 U.S.C 1881 Section 604 A Section 2 : I1 also states e consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681C. ( ) ( 5 ) Section States : no consumer reporting agency may make e consumer report containing any of the following items of information Any other adv Item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account : Account Number XXXX
Product: Credit card or prepaid card

I have a Citibank credit card and they suddenly informed me that they are " closing my account '' with no explanation, even though I have had no payment issues, and have asked for explanations multiple times. I have called Citi customer service 4 times in the past week, and every time, the representative tells me something different. One representative told me they couldn't re-issue me a card because of something on my " credit report '' and I have to " call the credit bureau to find out why Citi can't reissue me a card. '' ( I then checked my credit score on XXXX, XXXX, and XXXX, and all three list my credit score as either XXXX or XXXX. I have a very good credit score and no issues paying my Citibank account. I make over {$300000.00} in salary annually. ) Another Citi representative told me my account was closing and they had " no idea '' why it was closing. A different Citi representative told me they would " raise a complaint internally '' about my account closing, but I never got a response from that. A fourth Citi representative told me they would " send me a letter '' electronically or via paper mail explaining why they were closing my account, but I have not received an electronic message or paper mail explanation. 

I have held a Citibank credit card for years. Every month I pay the entire balance due, and I pay on time. I have never had any issues getting replacement cards for new cards once my prior card expired, including from Citi itself. I do not know why Citi is refusing to reissue me a new card once my account expired in XXXX, but it is apparently not based on my payment history, and they are refusing to tell me why. I think this company should be held accountable for its horrible business practices.
Product: Checking or savings account

I recently opened an account with Chase. I was referred to them by a friend.I'am highly disappointed, with lack of customer service i received this morning. One of the managers thought it was ok to hang up on me. While i was trying to regain access to my online account so i could link it with XXXX. Acoording to Chase they can't verify my account with my phone number or email until i have been a customer for at least 30 days. I have never heard of this with any other institution.This has been a major inconvience. I was directed to go into a local branch. However I'm out of town. I'm dismayed that the managers answer was tto hang up on me. Chase greatly lacking customer service over the phone. I have an amazing time opening my account in person. This is not a great start.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX 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 XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 received a call from XXXX, OH. I had answered and they had asked if it was me ( XXXX XXXX ). I said yes, and they hung up. A week later, I get a notification that a XXXX account was on my credit report and my XXXX had been compromised ( passwords and usernames exposed, etc ).
Product: Credit card or prepaid card

We owed XXXX to a credit card. They added interest which put it over the limited. And charged for over the limited. I wanted to pay in full today. But they don't want to take the interest off. I'm not paying XXXX
Product: Money transfer, virtual currency, or money service

Good night Sir/Madam I don't know where to fight against Paypal. They steal my money that i have legally from my friend. Gamers. 

My name XXXX XXXX. I live in XXXX, XXXX. My email that link with paypal are : XXXX and XXXX On XXXX paypal hold my 2 account for 180 days, i have total XXXX XXXX I've been waiting for this XXXX to be able to withdraw my money. But when i login onXX/XX/XXXX i am shock that PayPal take my all my money in 2 account ( {$2400.00} ).
Product: Credit reporting or other personal consumer reports

I have tried numerous times to have a XXXX  XXXX Charge off removed from my experian credit profile due to FCRA 15 U.S.C. 166b, which prohibits furnishing information regarding an account without my written permission. XXXX XXXX has failed to remove this account after numerous attempts over this past year, which has resulted in declines for credit I need to start my business. Most recent dispute dated XX/XX/year>, where Experian responded with a Verified and Updated report on XX/XX/year>, still the account is on my file. I will include the dispute letter as well as their response from my last attempt.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit card or prepaid card

My Chase Visa Card number was taken by an ex employee who was fired 15 months ago. She charged {$250.00} of stuff for her and three weeks later donor charged {$3900.00}. They used my Visa Chase card on their Amazon accounts. The only reason I know it was an ex employee is because Amazon thought she was my wife when I called to ask about the charges. She charged {$250.00} and I believe my ex employee gave the card to someone else. I cant prove that because Amazon wont tell who used my card. Visa/Chase was told but the phone by Amazon that two other accounts used my credit cards. Amazon wont supply the names to them for fraud research. Chase requested a report from Amazon that showed my normal purchases from Amazon. Amazon send me an email with a link to pull those reports. Its an XXXX document but the document doesnt have my name on it and Chase wont except it. I cant even give the police the name of the person or the address who stole from me. Chase is making me pay {$5000.00} for products that I didnt purchase. Im asking for your help. My family cant afford this with Covid.
Product: Debt collection

I.Q Data International put a collections on my credit from a prior apartment complex I use to live at. The lease had ended in XXXX of XXXX and I received a two month extension until XX/XX/XXXX but the apartment was horrible and inhabitable I had no air conditioning so I left and stayed in a hotel after it was never fixed and the apartment overheated. I did pay all of my rent up until that time and I stayed in a hotel temporarily until I moved into my current apartment. I have proof reciepts of the hotel stay that I was not in the apartment of which the original debt collecter XXXX XXXX is lying and saying I resided in the apartments unitl the end of XXXX when they claim they gained possession of the apartment. That is not true I moved out months prior to then and if that were to be true then that would be an illegal eviction as they filed a disspossery and I went to XXXX XXXX in XXXX XXXX of which XXXX XXXX  didn't appear in court and told the court I moved out and monetary judgement of {$0.00}. A immediate same day writ of possession was entered in XXXX XXXX because I appeared in court and said I didn't live in the apartment so that would be an illegal eviction if they had me go to court in XXXX saying I live in the apartment then file a false collection saying they gained possession in XX/XX/XXXX. XXXX. Data International is also committing fraud by posting this false information on XXXX credit report of deliquent rent payments for an apartment I did not live in nor have a lease agreement with or at.
Product: Vehicle loan or lease

I was trying to buy a home and had an old unpaid car loan account on my credit report. I contacted Ally Financial and they agreed to settle the account for a lesser amount than owed. They said if I paid the amount that it would be removed from my credit report. We agreed on the amount and I paid the amount on XX/XX/2018. They also sent me a 1099 for the remaining amount of the loan which I paid taxes on as it was considered income. Ally refuses to remove this from my credit report which they said would be removed if I paid the amount that was settled upon. Ally Financial lied by telling me if I settled the account it would be removed from my credit report. I believe this is a violation of the Fair Credit Reporting Act and a violation of the Fair Debt Collection Practice.
Product: Debt collection

I have a medical collection from Phoenix financial Also I have multiple inquiries That I have no clue about Months ago I was robbed and I guess because there was no password on my phone someone used my information
Product: Debt collection

I am not liable to any debt from CCS COLLECTIONS and XXXX XXXX XXXX I have no contract with CCS COLLECTIONS and XXXX XXXX XXXX they cant provide no original contract from CCS COLLECTIONS and XXXX XXXX XXXX I need this to be removed from my REPORT AND MY LIFE
Product: Vehicle loan or lease

This settlement stems from a multistate investigation of Santanders subprime lending practices. The attorney general and other coalition members alleged that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. It alleged that Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees and high payment-to-income ratios. 

The attorney general and the coalition also alleged that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. 

Finally, the coalition alleged that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. 

In addition to providing relief to consumers, Santander in the future is required to factor a consumers ability to pay the loan into its underwriting considerations. 

My loan was open XX/XX/XXXX my APR was 16.65. I put a down payment of {XXXX} my payments were {XXXX} a month for 72 months. I defaulted after a year of on time payments and the truck was picked up in XXXX of XXXX. Santander closed the account in XXXX of XXXX and still reported a late payment in XXXX of XXXX. And they changed the date of the last payment to XX/XX/XXXX when it was actually XX/XX/XXXX.
Product: Student loan

For over a year I have tried to work with XXXX XXXX/Navient to take care of my student loans. I am unable to pay the exorbitant amount for my students loans. I 've filed paperwork to try and pay interest only, I 've used all forbearance, and do not plan on going back to school to further my loan debt. They refuse to help me out, even after multiple financial statements the most they could lower my bill is {$10.00} when my payments total {$450.00}. After my most recent attempt they have called no less than 7 times a day, this go around it 's been the last 5 days and counting. I 've answered the phone and asked them to stop continuing to call when I 'm trying to take care of my bill but they refuse to help. I 've tried to consolidate my loans to get away from them and they are n't able to be consolidated due to the type of loan ( from my understanding ). I 'm tired of the stress of constant calls and not being able to fully pay my bill but I am trying to make some sort of arrangements that they are not willing to accept. This is entirely unacceptable and I should be able to have options to pay my loans back without defaulting, since I am willing to pay something! I have a friend who is having the same issues and they told her since her credit cards are n't maxed out she can pay her bill?!?!
Product: Vehicle loan or lease

It was XXXX of XXXX when I got a loan for a vehicle from Ally Financial. Paper work was done incorrectly from the start, it was a loan for my mother and I was supposed to be somewhat of an authorized user on the account. When we brought it to their attention they said it was ok and there was no need to change. As time went on my mothers job became slow and we were denied a refinance in XXXX or lower payments ( even though we were overcharged the XXXX blue book value and no one wanted it as a trade in at all the local dealerships. ) We did everything we could to keep up payments and it came a time we were begging for help with less than a year owed and they refused to take the monthly payments but instead wanted the full amount owed. Unfortunately we didnt have that kind of money and cleaned out the car to be picked up for repo. Once they resold the car I began receiving bills for {$9500.00} ( more than what was owed or the car value ) and eventually it was placed on my credit report for collections. I feel no one really wanted to help us in time of need but instead seen an opportunity to get paid twice and take advantage of the situation. Its not fair to pay for something I dont have and that has already been paid for especially when payments were denied when we were trying to keep the vehicle
Product: Debt collection

To Whom It May Concern, I am filing this complaint to dispute an eviction collection falsely reported under my name by NATIONAL CREDIT SYSTEMS. During the reported eviction period, I resided at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX, as verified by the attached notarized letter/lease agreement. I have also filed an FTC identity theft report, which is attached. 

This eviction does not belong to me, and I request that the collection agency and consumer reporting agencies immediately remove it from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

These XXXX corporations are reporting on my account XXXX and XXXX XXXX  which XXXX charged off and a account meaning they sold the account to another corporation, Ive asked Experian, XXXX and XXXX to get the following information from these corporations including a contract with my signature of me authorizing giving these companies consent to report my name and social security number to anybody. Im simply asking these bureaus to cease and desist and send me a personal letter explaining they complying to this letter