23daVinci/CFPB_Complaints huggingface dataset:
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. 

List of Unauthorized Inquiries : XXXX  - XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX 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: Vehicle loan or lease

Good morning! About 5 years ago I was with a guy who purchased a used car from a dealership using a company they recommended to finance. The sales guy was extremely pushy because he noticed that neither the guy or myself had any experience with the process of buying a used vehicle. I was peer pressured into co signing by both the sales rep and the guy I was with, even though it was not disclosed that I would be responsible for the vehicle if I am co-signer. The sales representative also required us to put a card on file and said that I should put mine, since my credit score was better. He said it is just for their records and that card will not be charged. The down payment that day was {$400.00} and it was paid in cash by the guy I was with. Suspiciously, a few days later that same card go hacked ... 
About a month of two later the guy found out that the vehicle was defective and the problem was temporarily fixed before he purchased the vehicle, so he returned it XXXX voluntarily it was not repossessed ). At the time of him returning the vehicle I was not even in the country or made aware of the situation. 
Fast forward, now I am dealing with the consequences on my credit score for signing under duress and the company 's false advertisement. I have done extensive research and have found many similar stories.
Product: Bank account or service

I have been a victim of Identity theft since XX/XX/XXXX. Some one by the name of XXXX XXXX open an account in my name XX/XX/XXXX. The fraudulent account has been reported to XXXX which makes it impossible for me to open another bank account anywhere, and I am the victim. I find chase bank to unfair and not acting favorable in my situation that is causing me much difficulties. I 'm asking chase bank to remove the fraudulent account from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITIBANK NA., BEST BUY Inquiry Date XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Mortgage

I have a mortgage with Wells Fargo Bank. It require that the property insurance be paid thru the mortgage. I of course was n't told this until after I paid my insurance in advance for 1 year. The policy is paid in full until XXXX 2016. Wells Fargo continues to withhold a monthly amount and hold it in an escrow account. I have talked to them until I 'm blue in the face, and can not get this resolved. 
Will you please help me? 

Every time I try to reason with someone there, I get a form letter telling me I can not get my request because of some of rule they have. Nothing is ever posted to warn their customers in advance so we do n't waste our time. Wells Fargo has the most dishonest business practices I 've ever encounter.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong with all of you? 

When XXXX thing is corrected on my XXXX account more false information is submitted by XXXX. 

There seems to be no credibility in the XXXX Credit Bureau reporting. 

XXXX is corrupt. 

How many times do I have to continue to report XXXX 's false information reporting to the XXXX Credit Bureaus? 

The student loan payments are current! XXXX has the correct information. Stop reporting the payment status on any month of any year is unknown. That is a XXXX lie. 

Stop reporting false information on my credit report and make XXXX report the truth! 

XXXX know the truth! 

See attached
Product: Debt collection

This account is {$1100.00} and ive never charged anything to this account. I have informed them it was identity theft. My step sister boyfriend has stooen my cards and accounts and chamged addresses so I wouldnt know someone was charging my accts. They stole my bank acct and was actung as me. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time of charges.
Product: Checking or savings account

ok so I went to the atm at the XXXX XXXX and tried to take out {$200.00} dollars. I put my card in the atm machine but nothing happens, it just spit my card right back out. so I waited 10-15 seconds then I put my card back in and I took out XXXX dollars. Next morning I see in my transactions it took {$3.00} out my account saying I used the atm 3 times, but then it only took out the {$210.00} twice thats an error. So i made a claim for the {$210.00} dollars to be put back into my account. TRUIST THEN MADE ANOTHER MISTAKE By crediting me the {$210.00} I said i didnt take out, and the {$210.00} I did take out. So I had to go to the bank and give them {$210.00} back. The bank teller and truist team members over the phone kept telling me the atm shows no errors and its basically nothing they can do. So im basically being forced to pay for money I never got. I told them I will not pay the {$210.00} and I will sue truist if I have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding purchased debt that I owed to a credit card company. The debt is from XXXX, 2015 and beyond the Statute of Limitation for legally collecting the debt. However, LVNV has been reporting that I am making late payments every month to the credit bureaus which is against the FCRA as they are not the original creditor. Debt collection companies can not report late payments to the credit bureaus on debt they purchased from a creditor. The company has been reporting late payments for the last 24 months which is greatly affecting my credit score.
Product: Checking or savings account

XXXX initiated funds transfer upon account closure ( acct # XXXX ) to Barclays saving account # XXXX on XX/XX/2018. However, this account was closed on XX/XX/2018. Hence, as per Barclays, the incoming funds were rejected and sent back on XX/XX/2018 using tracing # XXXX via XXXX  XXXX XXXX, who acts as a clearing bank for XXXX 's bill pay service. 
Barclay 's proof of transmittal does not contain the account number where the funds were transferred to. Hence, XXXX XXXX XXXX is unable to locate the funds. 

XXXX  XXXX XXXX wants to know additional info or the account number where the funds were transferred to in order to locate the funds. XXXX wants Barclays to issue a recall notice to XXXX  XXXX XXXX so that funds get sent back to the issuer. 

Case # XXXX is open with Barclays for the past 6 months.
Product: Mortgage

I satisfied my mortgage on lots numbers XXXX and XXXX in XXXX 2012. I received my property tax bills every quarter and always paid on time. Last week I received a Summons and Complaint from XXXX XXXX XXXX   XXXX stating that there is a tax lien on lot XXXX and will begin foreclosure proceedings. I was absolutely shocked not knowing why this occurred since I always paid my taxes. I called Citimortgage and was told that in 2012 a satisfaction of mortgage was sent to the XXXX Register 's Office for lot XXXX but not for lot XXXX which is a smaller lot. I never received any notification of an issue with lot XXXX either by mail or phone-my first notification was a Summons and Complaint and a Tax Lien!!!. I spoke with the Attorney representing the bank and paid off the tax lien immediately so as not to have any FURTHER PROBLEMS.I now am requesting the satisfaction of mortgage document on lot XXXX from Citimortgage as well as compensation to the tax penalties and legal fees
Product: Debt collection

I was reviewing my XXXX and XXXX credit report when I noticed an account that's not mine that was actually removed from my XXXX credit report. I've disputed this account but nothing has been sent back to me saying or even validating the debt is mines. Attached is the letter and the proof it was deleted from my experian profile.
Product: Credit card or prepaid card

I am a DISCOVER credit card holder. The card was used in some vendor 's site for autocharge. We suspected the Credit Card # was compromised and wanted a new card number so that autocharge feature be stopped and we could have a new fresh start. DISCOVER people stopped the old card and issued a new card. However they are continuing with the charges based on the older stopped card. They expect us to call the individual vendors and stop the usage. I think is is an unethical and unacceptable practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax collected my personal, private information, and then lost that information in a security breach due to outdated cyber-security measures. Furthermore, it took them over a month to make a public announcement about this security breach. I found out that my information was divulged through the security website set up by Equifax. They did not notify me personally. According to Equifax, the information might include my name, address, social security number, birth date, and driver 's license number. 

I and 143 million Americans are now an easy target for identity theft for the rest of our lives because Equifax collected our information and lost it due to negligence. We will have to use credit monitoring services, fraud alerts, and request frequent credit reports to ensure that our identity is not stolen.
Product: Checking or savings account

XXXX people would go in my account and send money on XXXX I wasnt protected
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an acct ending in # XXXX with XXXX XXXX XXXX. I submitted a payment to correct an erroneous past due situation which destroyed my credit rating. After having communicated my displeasure with their service and comment that it would take 3 months to get my deposit back I decided to close the account. The response to this closure was another massive hit to my TransUnion Credit score ( XXXX points ). This need to be corrected immediately as it has already cost me dearly on a mortgage application.
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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I had an insurance policy that had rolled over into a new policy year. They was so in a rush to renew my policy to over charge me for the driving recorded they said they occurred but that wasnt true 1 ). Because what they had brought up to me was already on my record before ny last policy with them. And also because I was accidentally informed it was about a non fault accident which legally my insurance shouldnt be raised for. 
So when my new policy started at almost XXXX a month they forgot to roll over my discount but not the new account fees. So about XXXX months into my policy it was causing horrible financial problems on my life so I took the time to call my insurance company for the millionth time ready to give up and stating that and also telling them I kno its a discount they can find for me. I then get told oooh I can get XXXX defensive driving course discount added to my policy which in XXXX XXXX State is 10 % if your policy. I asked them could they add that to my full policy amount because it shouldve been rolled over. It last for XXXX years and I had received it the year prior, which meant I had a whole policy plus more to go. So instead they denied my suggestion and told me they could only give it to the remaining of my policy balance of a month and a half - 2 months of XXXX which was only a {$200.00} a {$1500.00} difference in what I was owed. I told them to cancel my policy because they shown no mercy and care about what they had done and I even told them to go back to the conversations where it was recorded and at the time I provided the information of the date of the phone call where I was told by a male employee the difference was from the accident which wasnt my fault at all my car was parked. But liberty mutual has a bad reputation for paying for their customers needs. And it showed in my time with that insurance company. It ruined my life as a young driver under XXXX. After that causing me so much trouble to get a new policy. A XXXX premium added to my car loan and also tickets to where I finally had to move because it accumulated too soo much money and nothing was helping. This was unfair and it should be fully removed. I was told and lied to about my discount and everything being rolled over identically to the previous policy I had. The whole time being mislead untill I was almost so far in a whole financial and was ready to give up before I was enlighten about a discount only because I was ready to cancel my policy and move on before my term finished. Im literally in XXXX XXXX  against them right now for this exact statement I wrote.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion are reporting incorrect information for account XXXX XXXX XXXX. The balance of {$6800.00} is not correct. I have attached my last statement from XXXX which shows a balance of {$6500.00}. Furthermore, the statute of limitations in the state of Texas is 4 years so this account should report a balance of {$0.00} which is another FCRA violation. I am convinced that the credit reporting agencies assume that consumers are not aware of their rights and that is why they continue their gross misconduct and negligence. Due to the incorrect reporting of this account, I am demanding that this is removed from my credit report within 21 days. I have attached the credit repair and other documents to show the inaccuracy for your reference. Also note that I disputed this account months ago and you did not notate on my credit report that this account was in dispute which is another violation. You all are also furnishing different information for the date last active which is another violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. 

This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this debt just showed up on my credit report have no ideal who this company is have not received any notice via mail nor do i remember doing business with this company.
Product: Checking or savings account

Money was taken from my account amounting to XXXX on XX/XX/2023 When I noticed I filed a dispute with CHIME BANK ON XX/XX/2023 Which they denied my claim. They said to submit a police report I submitted one
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a auto loan from Credit Acceptance in XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX Credit Acceptance sent for my car to be repossessed. I was forced to pay over {$300.00} to get my car back. Upon investigation of their claim of a past due amount, Credit Acceptance admitted that the REPOSSESSION was an error, and my account would be credited for the repossession/ storage fees. I paid the loan off in XX/XX/XXXX. The lender claimed I still owed money in XX/XX/XXXX, so I requested a detailed statement of account payments. The information provided was not clear and only confused matters. So I added all payment amounts posted by Credit Acceptance and it showed I was all paid up but they still refuse to release my title to car. 
In XX/XX/XXXX, Credit Acceptance sent a repossession company to my house to extort me for a payment or they was going have them take the car. They also reported to the major credit reporting agencies false information, claiming account is closed even though there is a clear dispute with regards to amounts left on record as owed. Credit Acceptance still have not released the title to my car and they continue to have negative remarks on my credit reports preventing me from getting future loans and better rates or services.
Product: Credit card or prepaid card

Yes I was charged XXXX for a purchase with rv parts and I filed a dispute with my bank on my own secured credit card and they still have not issued my credit I prepared the case for them and gave them 7 emails so that they could win under the fair credit billing act
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 Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or 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

When I was XXXX  and Naive I financed a car from honda financial, They told me nothing about credit I got a XXXX ended up not being able to drive, couldnt work so it got repoed, now this is stuck on my credit even though it is paid and closed XXXX XXXX with still short credit history I cant open anything to improve my credit due to the repo, Computers detect a repo automatically denied for everything, They even sent me a check after the repo I assumed everything was okay, they did not tell me I had a debt issue And on the American Honda financial site it lists my wrong address
Product: Bank account or service

I opened a XXXX checking at WellsFargo bank in XXXX to use periodically. I explained to the rep who opened the account my intentions. I used the account as discussed and last use was XXXX XXXX. On Friday XXXX XXXX, XXXX I logged into my account online only to see a notification my XXXX checking was closed. No prior notification was given. I spoke to a rep the next morning who had no care or empathy for the matter. After several minutes of complaining she finally agrees to send my complaint over to an internal department. I just received that call back from an individual who says he does not have access to my account but the disclosure was given at account opening and they are not required to give me any further notice. He was not going to take any further steps to research the issue and they are unable to reopen the same account. I am a 15 year customer who refinanced my car and establish other business at WF that I now regret. These reps are disrespectful and the only solution is to open a new account. So they force close accounts in a very quick time frame only to then make you open a new one. Is this the new tactic to make it seem they are opening lots of new accounts? It appears WF should be investigated further. I will take my business else where.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX on XXXX XXXX I sent a certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. 

On XX/XX/2020 I sent another certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. 
It has now been over 100 days since Transunion received the first dispute They are in violation of the Fair Credit Reporting Act as they are required to response to any and all disputes within 30 days
Product: Debt collection

company updated account but still show many errors according the FCRA. 
I will be uploading my Transition credit report to show the payment history errors that prove my case. 

To Whom It May Concern : I pulled a copy of my credit report and found the XXXX XXXX payment history is inaccurate, inconsistent & incomplete.l request that you deleted this item of my credit file and send me an update copy of my credit report. 

From, XXXX XXXX