23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im elderly and had a series of medical emergencies that caused XXXX late payments on my credit card in XXXX, XXXX, and XXXX of XXXX. Citibank XXXX XXXX XXXX XXXX would not help me to rectify the late payments and had poor communication. I feel like its unfair after being a great customer for so long to be treated poorly in this situation. I would hope there was some way to rectify the effect on my credit score and or excuse these late payments because its a burden to me in my current situation. I tried to deal with them and they passed me off to XXXX instead of helping me. I do have someone helping me with my finances now, so to avoid this problem in the future. Please let me know if there is any possible recourse. Thank you for your time.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX  {$1000.00} XXXX {$710.00} Ive dispute the inaccurate information filed police report etc. The reporting agency has not removed the information from my report. The customer service representative that I spoke was very rude stating theres nothing they can do. Ive sent supporting documents for this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX XXXX has not aided in fixing the errors which the credit bureaus require. The account was closed in 2012, and I received notification that it was sold to XXXX recovery and to settle my account with XXXX  with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.
Product: Vehicle loan or lease

They unlawful repo my XXXX by XXXX XXXX XXXX XXXX XXXX which my attorney had ask them for documentation they needed to send to XXXX XXXX. Which they fail to do! They repo the car back in XXXX of XXXX In XXXX they report on my XXXX that they flagged my account on XXXX which the account is now close. I have the FTC report and they are reporting to XXXX and XXXX as open. But on my account for XXXX they have the account close!! Which that violation to the c consumer law anything that is closed its supposed to be reported to all three credit beers that the account is closed as credit acceptance is still reporting to XXXX and XXXX as account is still active, which the account is closed.
Product: Credit card or prepaid card

I have received statements from this bank with no closing dates, no previous balance dates, no detailed transaction date, moreover, I believe I am being charged too much for interest. 

I have uploaded a chart of some of my recent statements. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

i received a copy of my credit report from my loan officer noticing XXXX XXXX  account opened XX/XX/XXXX and XX/XX/XXXX for the amount of {$440.00} and {$640.00} fraudulently using my personal information. also, on XX/XX/XXXX there was a XXXX XXXX  taking out using my personal information fraudulently for the amount of {$3600.00}. there is a fraudulent account by the name of XXXX XXXX taking out on XX/XX/XXXX fraudulently using my personal information
Product: Vehicle loan or lease

Tesla had a program last year of 2021. Where applicants can put a down payment of {$7500.00} and lease a model XXXX XXXX vehicle. After, I ( XXXX XXXX XXXX made the initial {$100.00} payment to design and order my model XXXX XXXX car. I was denied the opportunity to proceed to making a down payment of {$7500.00}. I then make a request to Tesla loan originator located in XXXX, XXXX and request him to send a letter of denial, person identity who refused, and reasons why. Unbeknownst to me, the loan originator stated Prohibited Basis in his statements of emails sent to me. I truly believe I was denied under Prohibited Basis. It has been 45 days since I requested that statement of denial and still no response from Tesla. 

I appreciate your time and allowing me to share my story! 

Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I contracted with a vendor to do some electrical repairs on my home. They offered a 60 months - no interest loan with a 3rd party " lender '' ( not disclosed to me at the time of application ). 
There were errors in the data on the contract that I immediately requested to be corrected and the 3rd party refused to correct and BEFORE the 3rd day right of recision had expired I was coerced to sign the contract containing the errors or they would NOT begin working. The vendor and I repeatedly requested the corrections to no avail. One of the errors was my mailing address- I knew this would cause a problem when the statements were mailed. There was no email to reach the 3rd party ( XXXX XXXXXXXX XXXX  XXXX ) and after 5 calls beginning on XX/XX/XXXX, I finally sent a letter on XX/XX/XXXX requesting the mailing address correction AND to OPT out of the Mutual Arbitration Agreement clause. 
After the repairs were almost done I issued a bank check to the 3rd party, after confirming their remittance mailing address in XXXX XXXX FL. The check was mailed on XX/XX/XXXX. I called XXXX XXXX every day to check on the correction of the mailing address and ask about the payment. I was told XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that the check had NOT arrived. I called my bank to confirm the mailing date and the expected date of receipt by vendor. They confirmed the check was mailed on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and finally got a supervisor to check on the payment again-his name was XXXX and he said they DID receive the check on XX/XX/XXXX and they also received my letter requesting the mailing address correction. He supplied me with the check number from XXXX which proved XXXX XXXX DID receive the check and had lied to me 3 times. 
XXXX told me the mailing address had not been corrected and he did it while I was on the phone- repeating the address back to me. 
On XX/XX/XXXX I checked my bank and that check had still not cleared my bank. i called XXXX XXXX again and the supervisor said she did not see the check on my account- obviously lying since XXXX the supervisor i spoke to on XXXX confirmed they received the check on XX/XX/XXXX. 
now they appear to be holding the check instead of depositing as required by law. 
i sent my payment early- before i even received the first statement to " test '' the turnaround time. i don't trust this company- someone is lying to me. i am a XXXX  citizen and live in California.
Product: Credit reporting or other personal consumer reports

A few years ago I was a victim of identity theft and a fraud alert was placed on my consumer report. Someone I know told me that they came in contact with someone that created a Data Furnisher agency and was able to purchase over XXXX credit files which includes people personal information that they will use for identity fraud. I believe that there is a law that speaks on any unauthorized use of your personal information by any one which includes data furnishers, without your written consent is constitutes as Identity Thef. On XX/XX/2024 correspondence was sent to these companies as it relates to them not furnishing, selling or sharing any information that they obtain on me with no Banks, Credit Unions, Lending Institutions or other Data Furnishers without my written consent. I was not satisfied with the non-response from these companies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a monthly charge-off on my credit report by your agency. The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681n, requires credit reporting agencies to ensure the accuracy of the information they report. It has come to my attention that my account is being marked as charged-off on a monthly basis, which is incorrect.

Attached See Notice of Dispute Letter Below
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report several bankruptcy filings on my cresit report from XXXX that do not belong to me. I was advised by the Court that they did not provide this inaccurate information ans the CRA has refused to provide documentation that meets FCRA requirements as it relates to the inaccurate information they have been reporting provided from a secondary source who is furnish inaccurate and incomplete information mainly XXXX according to the CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I checked over my report and I noticed these accounts posting with all different dates balances, & amounts I seem to feel like this is very inaccuate and goes against some laws like the Fcra section 609. I contacted the creditors and bureaus regarding these inaccuracies after 3 months they still have not responded back to me about it I need to get this removed off my credit ASAP. 

Accounts : XXXXB / XXXX XXXX  Trans XXXX XXXX XXXX Trans XXXX XXXX XXXX XXXXXXXX XXXX Trans / XXXX XXXX XXXX XXXX XXXX XXXX Trans / XXXX XXXX XXXXXXXX Trans / XXXX XXXXXXXX XXXX Trans XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Trans XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} ( Original Creditor : XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Re : Notice of Claim Pursuant to 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974 Dear XXXX XXXX I am writing to bring to your attention a matter concerning the unauthorized disclosure and handling of personal information, which I believe contravenes the stipulations set forth in the laws governing consumer privacy, specifically 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974.

including details of unauthorized disclosure or mishandling of personal information.

As per 15 USC 6801 and 15 USC 6802, entities are obligated to protect the confidentiality of consumer information and are prohibited from disclosing it to unauthorized third parties without consent. Moreover, the regulations outlined in 16 CFR 313 require compliance with certain standards for safeguarding consumer information. The Privacy Act of 1974 similarly mandates the protection of individuals privacy rights concerning their personal data held by federal agencies.

the violation has impacted ME WITH financial losses, emotional distress, HUMILIATION, DEFAMATION, SEVER INTENTIONAL EMOTIONAL STRESS AND SEVERE HARDSHIP ] In light of the aforementioned VIOLATION OF SHARING MY PERSONAL NON PUBLIC INFORMATION I WAN NA OPT OUT IF I EVER GAVE U WRITTEN NIN WRITTEN OR VERBALLY CONSENT I REVOKE THAT AND YOU ARE NO LONGER ALLOWED EFFECTIVE IMMEDIATELY AND i I demand immediate action to rectify the situation, including but not limited to : 1. A complete investigation into the unauthorized disclosure or mishandling of my personal information.

2. Notification to all relevant parties of the breach and the steps being taken to address it.

3. Assurance of enhanced measures to prevent future sharing of non public transactions and to comply fully with the aforementioned laws and regulations.

4. Compensation for any damages incurred as a result of this privacy violation.

Please respond within [ specify a reasonable timeframe, e.g., 30 days ] to address these concerns. Failure to do so may compel me to pursue legal action to protect my rights under the stated laws.

I expect your prompt attention to this matter. Thank you for your immediate action in resolving this issue as you have violated Right that I have that I took from me knowingly and willingly 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: Debt collection

I spoke with XXXX XXXX asked for his employee number he stated I could only receive his extension which he gave as XXXX I told Mr. XXXX I was calling to dispute the debt for which I was sent a pre legal notification letter for. I told him I wanted to know about disputing the validity of the debt and the conversation escalated to the point where Mr. XXXX stated that I would remember this conversation. I felt that the manner in which he said that statement it conveyed a serious threat. I asked to speak to a manager which we went back and forth then he placed me on hold however I could still hear him typing he came back and said a manager wasnt available then we talked more and he tried to explain how he meant what he said about me remembering the conversation however I truly and sincerely believe that he meant it in a hostile threatening manner and it made me fearful and uncomfortable. The call ended by him saying he would dispute it. This happened on XX/XX/2019 at approximately XXXX XXXX  eastern time
Product: Vehicle loan or lease

I went to the XXXX XXXX dealership in XXXX, MI with the intent to purchase a new vehicle. I was already driving a XXXX XXXX XXXX. I was on time with my payments, and I was under the impression that I would be able to use my current vehicle as a trade in for a new car purchase. 

Upon negotiating with the salespersons at the dealership, I was told that my vehicle would be used as a trade-in for the vehicle that I was purchasing.The new vehicle I was purchasing was a XXXX XXXX XXXX.I left my vehicle with the dealership to complete the trade-in process. 

While I was closing on my car loan purchase, I was given some verbal information regarding the purchase, and I was told that the paperwork would be emailed to me within 24 hours of my new purchase. I drove away in my XXXX XXXX XXXX thinking that everything was fine. 

A month went by and I received the title to the vehicle, but I noticed that the old vehicle still showed as not being paid by the dealer on my credit report. I contacted the dealer that I purchased my new vehicle from to inquire about this. The dealership stated that they would take care of my old loan payment because they were still trying to sell the car I used as a trade-in for the XXXX XXXX that I purchased from them. 

The dealer never sold the car I used as a trade-in after 2 months I confronted the dealer about this, and they requested that I come in to sign off on some paperwork for my current car loan. 

When I got there, the dealer stated that they were no longer willing to accept my vehicle as a trade-in for the vehicle that I purchased with them. They stated that they wanted me to take the car from their lot. 

I am now stuck with 2 car notes and I can not afford to pay both of them. My credit score has dropped because I can not afford to maintain both car payments to both loan companies.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion, requesting an investigation into several inaccurate items listed on my credit report. Additionally, I disputed incorrect personal information that was listed on my credit report. To facilitate the verification of my identity and address, I included copies of my photo ID, social security card, and a recent bill showing my current address. 

I received a response back from TransUnion dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

I believe that TransUnion 's refusal to process my dispute is in violation of the FCRA, as my dispute was submitted directly by me, the consumer. I followed the required procedures and included all necessary documentation to verify my identity and address. Despite this, TransUnion has refused to conduct a reasonable reinvestigation into my dispute.
Product: Debt collection

XXXX XXXX XXXX XXXX claims that {$1200.00} is owed by Tempoe which Tempoe was involved in a lawsuit & debt is considered not owed anymore. Sent in paperwork showing proof that the debt is considered no longer owed. It is public record if you type in Tempoe Lawsuit. I tried disputing it through credit bureaus. They dropped it off one credit report but wont drop it off the other 2. XX/XX/2023 I reached out to company as to why was the information updated as being owed. I was told on a recorded line that the debt would be deleted. I checked experian & they reported it as accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX XXXX preferred over 30 days ago. Transunion continues to report it despite my many complaints. The account XXXX, I have asked to verify the unauthorized charges, provide itemized statement, as well as provide good contact information. They have failed all my requests. Additionally, Transunion has violated my rights under the FCRA - specifically now, Article 611 for failure to investigate the dispute within a timely and reasonable frame. It has been over 30 days. They have also violated my rights :. The company failed to properly reinvestigate the XXXX account. My third dispute with them was on XX/XX/2020 after they ignored my past disputes. Today is XX/XX/2020 and theyre are still reporting inaccurately for the account and have the dispute sitting in progress. They have had several opportunities to correct the report and yet every time I dispute they leave the same information reporting. They need to be held accountable. I have asked for documentation from the data furnisher ( XXXX ) on the unauthorized charges. However, they have not provided nor can I get ahold of them because mail is returned and phone they list on my report for them is non -working. Transunion has violated my rights under Article FCRA section 611 ( 15 U.S.C. section 1681I ). W/F and Transunion has violated my rights under FCRA Article-sections 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 ( a ) 1 thru 2. 623 ( a ) 1 A thru E and 623 b. Furthermore, they violated 1022.43, as they failed to correct the inaccuracies or provide documentation to my request. I asked for an itemized statement of charges, proof of authorization and communication documentation but have not received. This is getting to be a big headache and in the mean time my credit is suffering. They need to be held accountable for their lack of following the law
Product: Credit card or prepaid card

On XX/XX/XXXX at approximately XXXX XXXX I received a text alert from my Best Buy Citibank Fraud Dept asking if I attempted to make a purchase at XXXX ( XXXX, Ohio ) in the amount of {$2000.00}. I immediately responded to the text and they called me right away. A report has been filed with them and I'm also in the process of obtaining a police report where I live ( South Carolina ). Unfortunately, they did approve another charge of {$960.00}. This is the THIRD fraud issue I have encountered involving the state of Ohio I have never worked or lived in Ohio and feel like someone or some entity in that state must have my information and are repeatedly using it ... How can I have been hacked 3 times ALL in Ohio, a state I've never been in other than for a layover??!! I plan on submitting a separate complaint for the other card account since it is a different type of card. ( Store Card ) The other issue was XXXX fraud - AGAIN, in Ohio, but years ago. ( XXXX ) This is all just bringing back bad memories from that experience.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent accounts which were NOT initiated be me. These accounts were initiated on the dates listed in a fraudulent manner. I am requesting that the following inquiries be REMOVED from my credit reports : XXXX XXXX, date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX Bank date XX/XX/XXXXXXXX XXXX XXXX XXXX date XXXX XXXX Cap XXXX date XXXX XXXX XXXX / XXXX XXXX date XX/XX/XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. Date XX/XX/XXXX Nowcom/westla financ date XX/XX/XXXX XXXX XXXX date  XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XXXXXX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date ( No date listed ) XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX Date XX/XX/XXXX