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

Credit Acceptance keeps on reporting new late payments on an account that has been inactive for more then 4 years, I have not made any payments nor brought the account current during this time, since the date of the first delinquency. The seven year clock reporting starts from the date of first delinquency, and no new late payments can be added if I havent made a payment since the account became delinquent. this account is already considered delinquent or potentially charged off, so lender can not continue reporting new late payments because there is no activity ( no new due dates or payments being missed. Last time I contacted Credit Acceptance to ask for account summary they advised me that they were re-aging the account ( reporting new delinquency date ) because I communicated with them< so the reporting clock would be reset. This practice is illegal. I submitted a dispute with XXXX, they opened a dispute investigation but nothing was done. my credit report was not updated.
Product: Vehicle loan or lease

To whom it may concern, I purchased my car at the end of my lease and BMW through XXXX offered me an extended warranty. This warranty was {$1200.00} and It was represented to me as if would covered wear and tear mechanical items for the car for an additional one year and a half from the contract date. Now the car after six months was totally fine and now has a faulty vent valve and it turns out that the warranty was only through a year of the Maintenance service date, which meant only six months of coverage from the contract date. This fact was misrepresented to me. Based on insurance I have purchased, the risk of something going wrong with the car worth more than {$1200.00} was very low in XXXX months even a year, but I purchased it for peace of mind for within the year and a half I was told. This was a very bad misrepresentation of an agreement and I would have never bought it if I knew It was going to only be good for XXXX months not XXXX months as I was led to believe. I have asked the company to produce the recording of the call, but I find this outrageous and extremely unethical. One point to note, the contract I signed ( see attached ) never established the contract end date and it only has the very technical language about the months after the maintenance service date. 

Best regards, XXXX XXXX
Product: Checking or savings account

This is a complaint against Citi Bank referenced to my business account that was closed by this institution. I received a bad check by a company that was my company was receiving a payment by. I understand that the bank took preventions methods for security reasons, but it was not my fault that this check was a bad check. Either way I assume responsibility and must move on, what has me furious and confused is that the bank has my mail filled with letters with investigations. When this all happened a few weeks ago, I contacted the department of fraud because I wanted to solve the problem and because they blocked my money that has nothing to do with amount of money of check deposited. I am losing more than 800 dollars because Citi bank wants to keep my money.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past five years, I have attempted to contact the credit reporting agencies regarding incorrect items on my credit file that don't belong to me. It appears to me that someone has my personal information and has been establishing fraudulent credit in my name. I have put several fraud alerts on my file. The most recent is for {$970.00} from XXXX XXXX XXXX XXXX XXXX services opened on XX/XX/XXXX. And there's the XXXX auto finance for {$7700.00} back in XXXX. I have attempted to contact the auto company for years to dispute this charge. I have now filed a police report because this fraud continues and it is exhausting trying to fix my name and financial credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I discovered three fraudulent charges on checking account 's debit card : 1. {$000.00} Square Inc . 
2. {$1000.00} CASH APP*XXXX  XXXX, CA # XXXX 3.  {$1000.00} CASH APP*XXXX  XXXX, CA # XXXX I've contacted my bank, filed a fraud claim and changed the card. 

Today on XX/XX/XXXX I receive a visa debit card " Cash Card '' in the mail from Square Inc. with a full credit card number on it and my correct name etc. 

I have not applied for this card and I think it is related to the two fraudulent charges from my checking account debit card. I tried to contact Cash App as well as Square Inc. over the phone but they don't over live help over the phone. I would like them to close this account that I have not opened. This is a scam and I don't even know how they opened this account in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about an online systems malfunction, lack of customer disclosure, and an unwillingness to make things right that resulted in a late payment mark on my credit report for my XXXX XXXX / XXXX XXXX credit card, which has now stayed on my credit report for over 2.5 years. This has negatively impacted my ability to receive home loans, and has costed me hundreds of dollars in additional interest and fees. 

When I opened the account, XXXX XXXX forced me into the paperless option to save themselves money, but denied me online access to view my bills. Due to a technical error, I could not set up my online account for the first 6 months after account opening. Realizing the problem I would have with a potential late payment, I set up monthly automatic payments of {$40.00} - the minimum monthly payment amount. 

Little did I know, the minimum monthly payment increased by a few dollars several months later, causing me to receive a late fee. This step-up in fee was inadequately disclosed to me in the account terms. 

As a result of this, in XXXX I was past due with a balance due of {$7.00}. There was no attempt to contact me nor did I receive any monthly bills informing me of this. I was charged a late fee of {$25.00} that month. This late balance continued to grow and accrue more late fees, despite me paying {$40.00} each month, which was the minimum payment shown to me when I opened the account. Eventually, in XX/XX/2018, I received a negative mark on my credit. Noticing this, I immediately got in touch with XXXX XXXX and made a large payment of {$200.00}, but the negative mark remained. 

My otherwise excellent credit history has been tarnished by XXXX XXXX XXXX  unreliable technology, lack of disclosure, and lack of concern for its customers. XXXX XXXX denied me access to view my bills online, did not send me paper statements, and despite making regular payments each month in the amount of {$40.00}, hit me with a past due negative mark on XX/XX/2018. Despite contacting them directly, and initiating 2 separate disputes through the credit bureaus, they have ignored all my attempts to contact them.
Product: Credit reporting or other personal consumer reports

Per the XXXX as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX ( XXXX ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Revolving line of credit was converted into an installment account & is inaccurately reporting as a closed revolving line of credit that is updated monthly reflecting the current balance of the installment account
Product: Checking or savings account

On the evening of XX/XX/2018 I discovered that was unable to login to my HSBC USA online account.

I called the bank 's customer service number. Their phone system verified my identity through my phone number, account number, voice print, and last 4 digits of my social security number. Customer service told me that my online access is blocked. They refused to tell me why I was blocked. They refused to tell me my account balances, claiming that it would be a breach of security to tell me my balances, even though my identity had already been verified by the phone system. They insisted that in order to restore access, I needed to call the security department at XXXX during their business hours M-F XXXX - XXXX EST. 

I called the security department at XXXX EST on XX/XX/2018. After I identified myself through the automated system, I was put on hold for 9 hours, by which time I got a recorded message telling me to call back  during their regular business hours. 

A representative from the bank 's customer service also tried to call the security department but never got a human response. 

On XX/XX/2018, I again tried to call the security department, but again, I got put on hold. 

When I complain to customer service that no one at the security department answers, they tell me they can't help me. They insist that I must call the security department, and then they transfer me to the security department which never answers. 

Meanwhile, I am still unable to login and the bank denies access to all my funds on deposit, which include a checking account and a savings account. 

The bank has my phone number, email address, and mailing address. Yet I have not received any communication from the bank informing me that my online access has been blocked. I only discovered the blockage when I attempted to login.
Product: Debt collection

I just recently checked my credit report. In XXXX a debt collection company Ability Recovery Services , LLC put a report on my credit for {$2200.00}. Not knowing what it was I called them. I spoke to XXXX at first there was nothing showing up under my name or my SSN. I gave them my phone number and it pulled it up. I asked her what this was about she told me it was from XXXX XXXX XXXX from XX/XX/XXXX. The phone number I have for Ability Recovery is XXXX that is the number where I had spoke to XXXX. I contacted XXXX XXXX XXXX XXXX XXXX TX  this was a bill from XX/XX/XXXX. I feel that the statue of limitations has expired on this and that it should not be on my credit report. After looking at some new information Texas rules as of XX/XX/XXXX prohibits consumer reporting agencies from including medical dept on credit reports. Why after all these years it all of a sudden shows up I have no clue. It has never been on there in the past. Can you please help me on this situation? You can contact me at : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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 XXXX 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. the accounts I am talking about are listed below : Delete all accounts immediately : Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts : Acceptance Now acct # XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX Adjust XXXX XXXX XXXX
Product: Debt collection

Hello First Financial Resources , Inc . 
, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least XXXX to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always ask vendors if they are pulling a hard credit inquiry and, if they are, I refuse their product, unless I'm shopping for something specifically that requires it. I try to keep hard credit pulls to one or less a year. 

The following companies are listed on my credit report as pulling a hard credit inquiry without my express permission : XX/XX/XXXX - CBNA ( I have no Citibank XXXX XXXX XXXX XX/XX/XXXX - XXXX ( The only service monitoring my credit activity is XXXX. I don't recognize XXXX. ) XX/XX/XXXX - THE CREDIT ( I don't recognize this company and have not expressly given them permission to pull a hard inquiry. )
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX. When I try to request it online. Its says " a condition exists. '' For equifax it will not give it to me online.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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: Credit reporting, credit repair services, or other personal consumer reports

This account was not charged off and was paid in full at the time of closure. The incorrect balance being reported is XXXX when the balance should be XXXX. The account was not charged off it was paid and closed.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX  XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 or other personal consumer reports

The XXXX known as XXXX XXXX sold a debt to Nation Credit Systems allegedly upon taking the company to arbitration about this behavior they stated they have since requested that the company cease collections until the arbitration process is completed as it is a violation of my rights to contract. The attorney for The XXXX stated their client has no knowledge of ever making any claims for continued collection. I request that National Credit Systems forward me the paperwork that is signed from someone from XXXX XXXX stating they have rights to collect. They keep stating they have verified with the client so I would like the documents that proves this as it would win my case against The XXXX and any lawsuit I bring forth against National Credit Systems. I have also filed with the attorney general of Michigan a complaint against National Credit Systems because they are not licensed in the state of Michigan to collect. If you do have a license provide it to me immediately. I do not give you permission to use my name or likeness of my name. Doing so violates copyright laws in place for intellectual property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that are incorrectly reporting on my Experian credit file. I have disputed them with Experian and they remain : XXXX XXXX ( XXXX ) This debt was cancelled by XXXX XXXX. I have attached a copy of the 1099 showing " Cancellation of Debt ''. I can not pay on this debt. It must be removed from my credit file. I have disputed it with Experian and they did not remove it. 

XXXX XXXX ( XXXX ). This account was settled in full on XX/XX/XXXX according to the attached settlement options. I have disputed this with Experian and they have not removed the balance. The item stopped reporting on my file in 2020 ... so the balance at XXXX is already XXXX. Experian is just failing to update to this XXXX  balance.
Product: Credit card or prepaid card

On XX/XX/XXXX i purchased on XXXX 80 pieces of new wooden dance floor for {$15000.00} paid by chase debit card it said " Estimated delivery : Thu. XXXX. XXXX - XXXX XXXX. XXXX Order number : XXXX '' on XX/XX/XXXX we requested from XXXX to get a refund since the item wasn't delivered yet they had the seller contacting us but we told him we dont need it any more. 
on XX/XX/XXXX they decided to close the case because there was no more activity from us ( we were not aware of this rule ) the day after that we called them and to them we were suprised by that. they reopened the case and decided in our favor but oddly after 2 days they closed the case again so we went and opened a dispute claim with chase on XX/XX/XXXX and they reimbursed us on XX/XX/XXXX they asked for more documents before we had time to take action the closed the claim against us on XX/XX/XXXX we tried to call them and talk to them multiple times and they kept saying that they got document from the seller showing the item was shipped and refused to send us the documents and 2 weeks ago they finally promised they will mail the document that the decision is based on and we will have a chance to provide document to the contrary that we did not get the item ; but as of today we have not gotten them in the mail here are the facts : on my XXXX page this item is not stated as shipped the item was in fact relisted with a different item number and was still listed like that as of 2 weeks ago the seller will not be able to provide a tracking number oddly this seller who listed multiple items for years on XXXX has stopped all selling in the last week or so. 

i would greatly appreciate your help in this situation. 
thanks XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 11 XXXX  XXXX, XXXX. XXXX XXXX Company Inquiries : 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