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

XX/XX/XXXX it was a hard inquiry but it just posted on my credit report on the XX/XX/XXXX my issue is I never applied or used national credit card/airline  I call XXXX XXXX sincarany bank am getting the run around my information is getting use with out my permission it scary
Product: Vehicle loan or lease

We received a joint car loan from Regional Acceptance in XXXX for a XXXX XXXX XXXX. The amount financed was under XXXX and the monthly payment was {$440.00}. After years of making late payments and incurring fees and penalties, the payoff in XX/XX/XXXX is still over XXXX! We did not know that the loan terms from Regional Acceptance were predatory in nature because we were not told that the penalty for making a late payment was that most of the payment does not get applied to the loan balance. Allocating a small portion of a full payment to a car loan in order to collect more late fees and interest is criminal. At this point, we will be paying on the XXXX for several more years to payoff the XXXX balance. We have already paid over XXXX for this vehicle and it only has a market value of XXXX. How can a company make thousands of dollars off of a customer just because they made late payments? This is predatory and criminal.
Product: Mortgage

Since we are unable to reply back to Cardinals " that it is still working on your issue '' they have been " working on our issue for XXXX  months! 
After XXXX told us on private message that our credit score was XXXX and he " pulled strings '' we started looking into past emails. We found an email that was sent that we never open that did contain our credit score, I not sure how to read it will attach it, however after we brought it to our local bank they did explain it better. I am not sure how we qualified for this FHA loan I am also attaching Cardinal 's branch manager listing of requirements. 
We have had nothing but issues with this loan and trying to get our home build, we have begged for upper management calls, but they go unanswered, Our general contractor has asked for the minimal for rough in plumbing for weeks, we finally get a zoom call with what we thought was management and were told " find another lender I have to ask management, '' We have XXXX worth of building bought to be erected and the framing company wanting to put it up. We are tired of them stalling our build. We have our life savings invested! They keep pushing this build off! We have had major issues since day one. Cardinal wants to blame us, yes we did hire a bad contractor but also Cardinal also had an inspector " approve '' work and allowed fund to be released on a failed inspector report. 
Maybe they keep pushing us off because they have transferred our loan to XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid two medical bills off, that I need to be deleted from my credit file. Experian removed one but now claims they can not identify me, yet they sent a dispute result in XX/XX/XXXX. 

NEW NOTE XXXX XXXX ( WAS REMOVED FROM EXPERIAN ) AND XXXX ARE A BOTH A XXXX BALANCE AND NEED TO BE REMOVED IMMEDIATELY. PLEASE VERIFY AND UPDATE CREDIT FILE IMMEDIATELY PER LAW FOR MEDICAL DEBT. I NEED MY HOUSING. PLEASE. 


Please kindly REMOVE the accounts below from my credit file immediately : Name of Creditor Balance Account # XXXX XXXX   {$0.00} XXXX MEDICAL DEBT RELIEF ACT XXXX {$0.00} XXXXMEDICAL DEBT RELIEF ACT With further respect to the Medical Debt Relief Act of 2018, please recheck that the application of health insurance is properly applied to the account and institute a 180-day waiting period, beginning with the date of service, before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of 2019, it was enacted to increase the waiting period to 1-year before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the 2018 amendment noted above.
Product: Checking or savings account

XXXX XXXX is making payments to XXXX XXXX for advertising / marketing support to their new product introductory project. Payments are rendered on weekly basis or more often as needed. On XX/XX/XXXX PNC bank decided to flag check XXXX XXXXXXXX as suspicious transaction. Employee of XXXX who has access to the account noticed it and immediately contacted PNC Bank to explain that this is wrong flag and all is good with this transaction. Person who picked up the call was unsupportive and did not listen at all stating that XXXX XXXX owner needs to call them by XXXXXXXX XXXX on that day ( XX/XX/XXXX!!! ) to explain it. When XXXX employee get frustrated with repeating info that man in question is overseas celebrating his holiday break and employee of XXXX requested supervisor at PNC Bank, the operator dropped the call. The next day, XXXX bank account was negative due to the check being bounced by PNC bank against XXXX will. XXXX 's owner contacted his bank and was instructed to reprocess the check do to lack of errors. This is happening right now and at this point we do not know if PNC will refuse it again or not. 
Situation of bank making unilateral decision about clients money and against client 's will ( and normal reasoning- there are other checks between the two and non was ever in question by any of the sides ) is unacceptable! Your intervention will be greatly appreciated.
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. 

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 XXXXXXXX, has violated my rights. 

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

Equifax did not verify the accounts I disputed on XX/XX/2017. I requested a copy of the verification for the accounts in dispute however I did not receive any.
Product: Credit card or prepaid card

Justify your action for closing the account I never made the state that this account was open fraudulently. I tape recorded the conversation too. 
Account Center Last 4 # : XXXX Discover logo XXXX XXXX XXXX, your temporary password for Discover.com has arrived Your temporary password is : XXXX Phone number and address was verified also the charges on the account were verified as well. After all charges were verified and dates, the worker from Discover stated that she would be sending out a new card. 
I never received the card therefore, I called into the company XXXX requesting when was the new card sent out. I was told that it was stated on the phone call that the account was open fraudulently, it was stated these are the words I used and due to these word the account was close. XXXX stated that due to the facts an investigation has been set up on the account. It will take up to 90 days to respond, therefore, I am requesting a full investigation about this matter. 
Send out another card to my address or Or keep the account close and I will not be responsible for any charges on the account. 
The Company close the account they stated they have noted that the account was open without my consent. 
So, they close it and they are responsible for any action of their employee regarding what every the person wrote I never made this statement XX/XX/XXXX, XXXX Survey from this company XXXX  XXXX ESPANOL How would you rate us? Wed love to hear what you have to say! 


This is a reminder for an email you received XXXX days ago. We are following up because Discover is interested in getting your opinion regarding a call on XX/XX/2021 with Discover Customer Service. Your response on the level of service you received will help Discover improve their service quality. The survey should take just a few minutes. Please note : This survey does not require any personal identification or account information. 
How satisfied are you overall with Discover? 

Very Dissatisfied Neutral Very Satisfied 1 2 3 4 5 6 7 This survey link will expire in two days. 

Thank you for your time and participation. Your response will help Discover better meet the needs of customers like you. 

Sincerely, In Moment on behalf of Discover Customer Service Sent payment statement Your statement is ready Your statement will arrive in the mail. You may also log in to your Account Center to view it online. 
Statement Date : XX/XX/2021 Statement Balance : {$4700.00} Your minimum payment of {$96.00} is due on XX/XX/2021. 
View Statement
Product: Debt collection

I used my personal identification and credit card information defined under 15 usc 1602 ( f ) to open an account with Navy Federal Credit Union. Navy Federal Credit Union is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Navy Federal Credit Union has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Navy Federal Credit Union has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Navy federal is also in violation of 15 USC 6802 1 ( b ) - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given an explanation on how I could exercise the nondisclosure of my personal information and I also was never give the opportunity to prevent the disclosure of my personal information
Product: Consumer Loan

These accounts were opened in approx XX/XX/XXXX-XX/XX/XXXX by AmeriCredit. They have since been sold to GMFinancial. I have the partial acct # of XXXX and XXXX. XXXX was paid in full however XXXX was first delinquent BY the XX/XX/XXXX. GMFinancial is reporting incorrect dates on my credit reports. There have been no activity on these since XX/XX/XXXX. Since it has been over 7-8 years from first delinquency they can not be reporting these to the credit bureaus any longer. I have attached what the report is currently showing and as you can see threy lied on dates ...
Product: Credit card or prepaid card

Our paypal credit account was charged {$99.00} by XXXX XXXX for a subscription to XXXX XXXX. XXXX was contacted and they stated that they were unable to reverse the charge but could delete the subscription. They directed us to dispute the charge with our credit card ( Paypal ) and that the charge would be reversed without any contest. When this was done Paypal stated that the charge was valid and offered no other recourse. Upon contacting XXXX again the XXXX XXXX account subscription and account had been deleted, and there was still no way to reverse the charge, especially now that the subscription was no longer present. Paypal still refused to reverse the charge even when the company in dispute and ourselves have asked them to do so. 

Transaction ID XXXX Invoice ID XXXX Case ID XXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Chase Bank, XXXX, and XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding ongoing issues with Chase Bank , XXXX, and XXXX that have significantly impacted my credit score without valid reasons or explanations. 

The XXXX  of the issue lies with Chase Bank 's attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, Chase Bank alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, XXXX recently dropped my credit score by XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both Chase Bank and XXXX. Specifically, I request the following actions : XXXX Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review Chase Bank 's response and ensure that they address the theft of my car situation appropriately.

I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue.
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
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 XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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

I filed a complaint on XXXX with XXXX XXXX XXXX and also with Transunion for a collection that was recently placed on my credit reports by a collection agency named XXXX XXXX XXXX. Allegedly, the collection agency, XXXX XXXX XXXX, claims that I have a unpaid XXXX loan with a company called XXXX XXXX in the amount of {$1200.00}. 

In the XXXX XXXX Virginia, it is against the law to obtain XXXX XXXX loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the XXXX of Virginia. With those laws in effect, how would it be possible for me to take out said loan. 

Also the XXXX loan laws in Virginia state that the maximum amount you can borrow at XXXX time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}. 

I was not notified by mail or by phone by XXXX XXXX XXXX of this alleged XXXX XXXX prior to it being reported to the credit bureaus. I 'm not even sure if XXXX XXXX XXXX is a licensed to do business in the XXXX of Virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  account is making a negative impact on my credit report the account been paid off
Product: Credit card

Synchrony Bank Store Cards below could not provide me with original documents with my signatures to verify me opening these accounts. 

The address is XXXX XXXX XXXX, XXXX, PA XXXX. The phone number is XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I found a hard inquiry I never authorized or consented on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX / XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public Record : XXXX  XXXX bankruptcy filing Docket Number XXXX, has violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax again removed almost all of my accounts from my credit report and also has as main address a property I have already sold in 2021. This is the second complain regarding the same issue. Equifax on my first complaint put back all my accounts in the credit report, but yesterday they removed most of my credit information again. I have tried to contact them by phone but is almost impossible to get to someone to answer me of this situation.
Product: Debt collection

I have disputed this bill over and over many times. The credit bureaus takes the bill off and put it right back on with difference collections agencies trying to collect for this bill. I have included the dates of the reports to prove them putting this collection back and forth, I need them to stop taking the bill off and putting the bill back on my credit report. 

This is harming me and messing up my credit along the way. Please stop them from putting this on my credit again and charging me more money. Please keep this bill off of my credit and removed it. They skip months of putting this bill on my credit and then after 3 months they come right back and put it on my credit with different companies. Now on the XXXX credit bureau report ; it is stated that this Source Receivable MNG stated that they open this account in XXXX but on my XXXX credit bureau report shows I do not have any collections. 
This is yet harming me.
Product: Debt collection

LETTER!! 

15 US Code 5168c-Ja mumer reporting agency that beck the reporting of any information in the of a comer that the consumer entfestion that from an alleged identity theft, not later than 4 busness days after the date of receipt has been 30 days and you are in VIOLATION of this law because I am a victim of destry the Please delete these items IMMED These accounts should not be famished on my consumer report as they are Under, 15 US Code 1181b Persible purposes of consumer reports tal c to subsection any consumer reporting agency may furaha mere following crcumstances and no other ( 2 ) in accordance with the WRITTEN INST come to whom it relates INTVA gen any comme reporting agency WRITTEN CONSENT repert anything on my consumer report which violates my rights as a federal protected NO CONSENT IDENTITY THEFT. As a demanding the deletion of the courts Isted IMMEDIATELY