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

I tried to get in touch with company on many occasions never received a call from this company, they are reporting late payments which is false I assume since the representatives are working form home I maybe came across a few who couldnt assist me or did not want to. However this is the companys error of there however is a late payment I have never been late on a payment so its strange I now have a missed payment when the reps are working from home. Company has even admitted that they are reporting inaccurate information on my credit report and still has not fixed the issue
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proof of my identity.
Product: Debt collection

I received a phone call from Westlake Financial for an apparent debt owed without prior written notification about said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to sign into my Experian account to lift a credit freeze. 
It does not recognize my user name or password. It will not let me change the password so I have tried numerous calls to Experian to get help. It will not let me talk to a real person. I am literally trapped by not being able to lift my credit freeze and the company will not provide an option and does not have XXXX on their website which also links to an awful maze that does not help. Their website and service is awful. Please help.
Product: Credit card or prepaid card

Received a credit of XXXX dollars from a cancellation. I am trying to get this credit transferred from my credit card to my linked checking account at the same bank. Seem to be getting a run around. Told will have to send a form then after getting the form back will have to wait 30 days. The credit is not pending but already cleared. Just want it transferred over. When I pay them I transfer from the linked account. I think Wells Fargo just wants to hold the money interest free.
Product: Vehicle loan or lease

PENFED Credit Union has added additional burdens to the auto loan application process. Initial Credit application denies, and then, with spouse, unnecessary discriminatory burdens were added. I explain : The latest, as we submit a well Legible Utility Bill for personal and address verification ( Spouse ), they still withheld approval, until the Utility Bill was submitted in a Color Scheme of same Utility Loan, with same information. 

PENFED assumed that a black and white legible utility bill could perhaps be a fraudulent document, as the shown names of applicants are of XXXX XXXX, and document originating from the XXXX of XXXX XXXX. PENFED demanded, in order to approve loan, that it needed to be " Clear Legible and Color Copy. '' A copy is a copy ( Black, White or Color ), it makes no difference as it contains the same personal/address verification information. PENFED 's overwhelming and discriminatory request falls shorts of standards expected from this banking industry, placing gender, race and other traits aside from a fair application process. 

This assumption clearly discriminates to applicants, Veterans, Female and XXXX 

XXXX XXXX, XXXX  XXXX XXXX, XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX improper use of information
Product: Checking or savings account

I am filing the complaint regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming direct deposits. Capital one has cited technical issues that is currently violating the EFTA as my fund are required in a timely access. This isn't being provided. This is violating customer protection laws and the company is failing to give any answers. I'm asking for assistance in this matter.
Product: Credit card

XXXX refunded an alleged fraudulent purchase made by me without investigation, and locked me out of an account so that I could not re-purchase. This caused a dangerous situation, and I need this credit back. 

On XXXX XXXX, as an authorized credit card holder, an authorized user to make purchases, with my own card that included my name, I paid a bill with XXXX. Two months later ( a few weeks ago ), the charges were REVERSED FOR FRAUD! This was NOT FRAUD!!! This put my balance at XXXX $ with late fees and terminated my service AND prevented me from making payments using credit cards in the future on my tmobile account as they think I am a criminal @! 

Without some proof of " unauthorized use '' ( which is impossible if i was an authorized user and was permitted to use and pay the balance in the past ) i should not be subject to a conviction for unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. 

HOW does a charge get refunded over TWO MONTHS LATER!? ARREST ME! I MADE THE CHARGE, IT WAS NOT FRAUD!
Product: Vehicle loan or lease

I had a baby and was on FMLA. After returning to work, I was behind on several bills. I have tried to make arrangements with this company but was told I was ineligible for any assistance until I made 6 payments. I have talked to several different representatives and they were all rude and unhelpful. This is the worst auto finance company and their business practices should be looked into.
Product: Credit reporting or other personal consumer reports

I have eight student loans that were serviced by XXXX and were processed for loan forgiveness in XX/XX/year>. The loans were all forgiven, effective XX/XX/year> pursuant to the XXXX XXXX. On my XXXX account as well as my studentaid.gov account, all of my loans reflect a balance of {$0.00}. However, on my credit report all of the loans are still listed as open accounts showing a combined balance over {$160000.00}. The details for each loan indicate that XXXX has not sent updated information regarding the loans to credit agencies since XX/XX/year>. I tried to contact XXXX about this without success, and I disputed the information directly with the credit agencies but received a response that no changes would be made and that the disputed information was " verified as accurate. '' It's been almost three months since the loans were forgiven, and I am simply trying to get that updated on my credit report.
Product: Vehicle loan or lease

I have been a GM Financial customer for over 6 years. When I got a new vehicle at the end of my lease, on XX/XX/year> I was not told I was no longer with GM Financial but with another Financing company when I had called GM Financial about my bill on XX/XX/year>. I had a remaining last month 's balance at the end of my lease for {$260.00} which I was unaware of. I always had my payments on Automatic payments, but when I transferred to the new Leasing company at the end of the lease term, it was removed. I now have a hard inquiry for a late payment from GM Financial that critically affects my credit score. I am asking you to remove the hard inquiry from my credit as it in no way reflects my experience and history with GM Financial. I have always made my payments on time and have never experienced anything like this. Please advise.
Product: Credit reporting or other personal consumer reports

AS OF XX/XX/year> I HAVE A COUPLE OF ACCOUNTS THAT ARE NOT MINE THIS ACCOUNT I KNOW NOTHING ABOUT WHICH IS CALLED XXXX XXXX WITH A BALANC SHOWING XXXX IN WHICH I DONT OWE OR NEVER HEARD ABOUT THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEVER HEARD OF THIS COMPANY EITER OR XXXX XXXX XXXX XXXX  THESE WERE REPORTED BY TRANSUNION WHICH ALL INFORMATION IS INCORRECT I AM A VICTM OF IDENITY THEFT NONE OF THESES ACCOUNT ARE MINE PEROD
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have 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 an 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

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC Account name : XXXX/opploans # XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Credit acceptance Corp reported on XX/XX/2021 {$10000.00}. This account was already paid in full. I spoke With them when I was Buying my house a few months ago and they verified the account was paid in full. The original amount was {$19000.00} and a payment of {$8500.00} was a settlement amount they agreed on and then after the settlement they added it back to my credit as delinquent in the amount of {$10000.00}. This is false reporting and I want them to be held accountable. I almost Wasnt able to buy my house because of this and my interest rate is higher now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letters to Experian, XXXX and XXXX on XX/XX/2022 regarding inaccurate information reporting on my credit report demanding immediate removal of the inaccurate inquiry listings. Experian, XXXX or XXXX has not followed up with me in over 30 days regarding the issue.
Product: Debt collection

I can not acquire another bank account due to XXXX XXXX  sending me to collections. A transaction occurred through a third party payment solution company called XXXX. This transaction put my account in a negative standing of about $ XXXX in XX/XX/2020. I was completely unaware about this until I received a letter in the mail in XXXX stating that if I dont pay I will be sent to collections so I immediately took action and payed the negative balance along with a late payment totaling about {$400.00}. Once, I paid in full I decided to close the account at that time. I then found out in XXXX of 2020 that XXXX XXXX  had put me in Chexsystems. This has hindered me from getting a checking account and to further my credit. I paid the amount owed and the late fee the same day I received a letter warning me. I need this to be removed. Ive contacted XXXX XXXX  and they said it shouldve never got sent to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the companies and accounts have violated my rights state of Michigan child support XXXX, state of Michigan child support XXXX, state of Michigan child support XXXX, state of Michigan child support XXXX. 42 usc section 666 and 15 usc 1681section 602a. States I have the rights to privacy also 15 usc 1681 604a.section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Hello Im filing a complaint towards chase bank due to inability to access my account also as an unauthorized amount of money taken from my account. I called the necessary departments to handle both of these situations but yet to receive any help. The numbers I call go straight to voicemail its been 2 months now causing my bills to stack up. I have money in my account that I cant use to pay my bills. Hopefully I can get this resolved ASAP. Im Fixing to get evicted due to this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # 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 602 A. Section : It also states a consumer reporting agency can not furnish an 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: Debt collection

Requesting back up from Franklin Collection service Clearly they just purchased this debt from another collection agency that was recently removed from my credit reports due to not providing the information to verify this debt. 

As stated in the attached letter- I am requesting detailed back up for the {$230.00} debt that is being reported on my credit report If you can not provide back cease all collection attempts and report from my credit report AGAIN immediately.
Product: Credit reporting or other personal consumer reports

After i submitted my complaint for investigation they changed the information but didn't remove it and because of the increase they added it has caused my score to decrease because of the increased credit limit whoch i never consented to XXXX  XXXX or experian to report which they have yet to remove all inquiries to which i never consented too also the consumer reporting agencies are not fiduciarys and can not lend credit or determine my credit worthiness based off my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today as well as to the Credit reporting Agencies to inform them tat I was a victim of identity theft and I am requesting that the Credit Bureaus Remove the following accounts completely from my Credit file. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. Please remove the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$770.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to EQUIFAX to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/scrub>XXXX XXXX XXXX The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under XXXX XXXX XXXX, Section XXXX, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution
Product: Credit reporting or other personal consumer reports

Complaint ( XXXX ) Equifax did not even care to do the proper investigation even after the cfpb sued them. They are willfully viloating the privacy act of 1974 and the fair debt collection practices act. They boldy said that they went to the furnsisher to verify the information but that is not an INDEPENDENT INVESTIGATION. PURSUANT 15 USC 6809 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. They have not disclose the information and solely rely on the furnisher verification when they are also part of the fraud. Equifax is a business that makes money off on selling consumer information and it's not a BUREAU! ONLY THE CFPB. THEY HAVE NO REGARD OF THE LAW. THERE IS NO CONSEQUENCES FOR THEM EITHER. THEY DID NOT EVEN ACKNOWLEDGE MY COMPLAINT AND MY SETTLEMENT MONEY. IT WAS JUST A GENERIC RESPONSE. THEY DONT CARE ABOUT THE HARM THEY ARE DOING TO THE PUBLIC AND CONSUMER WHILE PROFITING. EQUIFAX IS PUTTING MY LIFE IN DNAGER AND MY LIVING HOOD. THEY ARE ENAGAGING IN IDENTITY THEFT AND CONSIPIRING WITH CREDIT CARD COMPANIES. MY PEROSNOAL INFORMATION IS SENSITIVE LIKE MY SOCIAL SECURITY NUMBER, MY NAME AND MY FINACIAL TRANSACTION AND ADDRESS. ANYONE CAN HAVE ACCESS TO MY INFORMATION WITHOUT MY CONSENT. RESPONDING WITH A RIDICULOUS RESPONSE SHOULD NOT BE ALLOWED. THEY DIDN'T PROVIDE ANY PROOF AND VALIDATION OF THE DEBT. WAHT LAW ALLOWS THEM TO DO THIS? I STATED THE LAW IN MY COMPLAINT WITH PLAIN ENGLISH AND THEY HAVE YET TO BACK UP THEIR REPOSNE WITH LAWS JUST BECAUSE THEY SAY SO OR SOME OTHER COMPANY SAID SO. RIDICULOUS! PLEASE HELP ME CFPB MY LIVELY HOOD IN DANGER. THEY HAVE TOO MUCH POWER OVER A STRANGER INFORMATION. THEY HAVE NO FIRSTHAND KNOWLEDGE BECAUSE THEY WHERE NOT THERE. IT'S ALL HEARSAY! THEY NEED TO BE BANISHED!
Product: Debt collection

In XX/XX/year> I moved to condominium in XXXX XXXX XXXX. I was placed on XXXX XXXX. While I was there the shower caved into a garage. My car was towed because the management gave me expired tags. The floor was dug up by contractors I was locked out and served and with eviction notice. The placed had been unoccupied for years and not maintained. The pipes were leaking inside the walls. I filed multiple complaints with XXXX XXXX XXXX and XXXX. They threaten to evict and sue me if I didnt give them {$8000.00} XXXX XXXX XXXX The pipes the flooding and floors had nothing to to do with me. All I did was live there. I was there 3 months. I received letters of threats from neighbors because the walls was leaking. The plumber threatened me. I gave them {$6000.00} and they filed for eviction. Now hunter warfield has me in collections for the property. I am uploading one of the many documents regarding this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXs failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to XXXX for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXXs failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata,  under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or  judgments of any kind in this matter having herein been already decided.
Product: Credit reporting or other personal consumer reports

Despite consistently making on-time payments, this account is reflecting negatively with a late payment status. I discovered multiple billing errors that violate the provisions outlined in 15 U.S. Code 1666 ( b ) regarding billing errors.