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

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. the address XXXX XXXX XXXX XXXX XXXX fl not mine
Product: Credit reporting or other personal consumer reports

Apparently, XXXX XXXX XXXX  charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.
Product: Credit reporting or other personal consumer reports

I requested XXXX update my credit report information regarding obsolete information such as old addresses ; however, they have not removed the obsolete addresses pertaining to my information. I have had identity fraud and requested this to be updated. They have not completed this request.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year> : Since then, the date last active has been inconsistently updated. On Experian the date last active is ( XX/XX/year> ) on XXXX its ( XX/XX/year> ) and on XXXX its ( XX/XX/year> ). If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information ASAP : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A : States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 account : XXXX XXXX XXXX account number : XXXX account : XXXX XXXX XXXX  XXXX amount : {$100.00} account : XXXX XXXX account number : XXXX amount : {$730.00} account : XXXX XXXX amount : {$100.00} I looked at my transunion credit report on XX/XX/year> and noticed some thing are inaccurate and incomplete. and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow proper 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: Vehicle loan or lease

When I signed for the loan my signature was copied and pasted onto the paperwork. I was never told about the interest rate being so high. After having the car for 6 months the Transmation went when i tried to put in a warranty claim i was told the warranty was up 30 days ago. The Transmation cost me over {$5000.00}. We fell behind on the car around covid and the car was repossessed. I was told that it would cost me {$800.00} to get the car back and i would still owe a payment. I did not go directly back to work from XXXX  and ask the company to pick the car up. this went on for over 4 months. My house caught fire and we lost everything Credit acceptance was called yet again and this time they were told to pick the car up its sitting at a burned-out house. when they finally came out, they assessed all kinds of baghouse fees and told me i was up to {$8000.00} in monthly payments and fees and this would be added to the loan and the car sold at action. The car sold at action for less than {$7000.00} and they said i was responsible for the rest of the loan. Credit Acceptance add fees and charged me 29 percent interest and hide this information from me after requesting it to come off my credit because they wrote a bad loan. I heard no farther information. I was scammed by this company.
Product: Checking or savings account

On XX/XX/XXXX i was no longer was able to access my chime account through the app so i called chime customer service and informed them of the issue but the issue was never resolved so i requested they freeze the account temporarily because i didnt have access to the account but i was receiving notifications transactions were being made. I called numerous approximately XXXX times attempting to regain control of my account with no luck. On XX/XX/XXXX chime finally closed the account. at the time of my last purchase i had a balance of {$99000.00}. Chime has been denying me my funds or any resolution of me receiving the return of my money. I have callded hundreds of time and emailed just as much i would just like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Schools First FCU at XXXX.XXXX. XXXX XXXX XXXX XXXX, CA XXXX is reporting multiple account numbers to the credit bureaus on for an account on my behalf thus for making the reporting inaccurate and not the same across the board creating additional reporting I have pointed this finding out to all three bureaus just for them to either poorly investigate or not even investigate at all and continue on stating the information is verified when I requested and challenged the inaccurate reporting
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 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX... Balance : {$40.00}
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below BARCLAYS BANK DELAWARE XXXXXXXX XXXX and BARCLAYS BANK DELAWARE XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a payment of XXXX USD, ( XXXX was designated on XXXX XXXX XXXX XXXX order XXXX ) from my XXXX XXXX account to XXXX XXXX XXXX XXXX account opened with XXXX and XXXXXXXX XXXX  XXXX XXXX. The intermediary bank ( bank correspondent ) in this chain was JP Morgan Chase Bank. XXXX was included in the list of intermediary banks pursuant to XXXX XXXX XXXX. The full payment chain was XXXX XXXX J.P. Morgan XXXX XXXX XXXX XXXX XXXX XXXX ( payment reference XXXX ). Given above, my payment should be blocked by the intermediary bank in accordance with US sanctions laws. In order to unblock the payment, I need to apply for a special license from the XXXX. However, JP Morgan Chase Bank has not yet blocked the payment or informed the originating bank of the freezing measures. Thus, I can not apply to the XXXX for the license necessary to unblock my funds, as I need to provide some data, in particular the date of the blocked payment. Otherwise, the XXXX may not find a record of the blocked payment. On XXXX XX/XX/XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  to ask for clarification if and when the payment reported to XXXX was blocked. ( Attachment XXXX message ) To date, JP Morgan Chase Bank has not responded. We have sent another request for the status of the payment on XXXX XX/XX/XXXX, copy attached ( attached XXXX message ) ; Thus, I am unable to apply to XXXX for the license required to unblock my funds. Payment tracking ID in XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported my co-signed private loan without consent and also made payments abnormally high without any flexibility. Reported my data without consent.
Product: Checking or savings account

On XX/XX/2022 I received a call from XXXX which is the US bank XXXX XXXX XXXX  and also the bank that I Bank with. The person on the line said that they were with the fraud department and that someone was trying to access my funds via XXXX I explained to the representative I had never used them and so I did not know how that could be happening or how it worked. The representative told me that I needed to follow her instructions in order to catch the person that was trying to access my funds. So I assumed it was legit since it was coming from the XXXX XXXX. I have that number in my call log it called me XXXX XXXX on that XXXX. I unknowingly followed the representatives instructions which gave someone access to my funds and sent them {$2000.00}. The representative assured me I would get my money back as they were tracking the person who was doing it and trying to catch them. The following morning I went to the bank and spoke to a representative and also called the XXXX department and they told me that there were similar scams going on within their bank and that they knew it was fraud and that they would launch an investigation and refund my money in up to XXXX XXXX XXXX XXXX later I received a letter stating that they have denied my claim and that I will not get my funds back. I need help I have been banking with this bank for XXXX XXXX I am a XXXX XXXX XXXX XXXX who has been on his job for XXXX XXXX I get XXXX XXXX XXXX XXXX. I really need help getting my money back and can not afford to be without my {$2000.00} as I have a family to take care of and bills to pay. The bank needs to follow this money and see where this money went and also do an internal investigation since the number that was calling me was their XXXX XXXX Can you please help me get my money back?
Product: Credit reporting or other personal consumer reports

Background : 1. Vehicle Purchase : I purchased a vehicle from XXXX on XX/XX/year>. The vehicle experienced a XXXX battery failure the very next day ( XX/XX/year> ), and I have the receipt for the battery replacement. 


2. Warranty Issues : I submitted a request for reimbursement of {$200.00} for the defective battery, which was refused by XXXX, despite having direct warranties and protections under XXXX XXXX implied warranty laws ( XXXX XXXX Laws XXXX ). 


3. Credit Reporting Problems : On XX/XX/year>, I discovered a charge-off on my credit report from XXXX, which resulted in a significant drop of XXXX points in my credit score. I've made multiple reports to credit bureaus, including Experian, regarding this issue, yet XXXX continues to certify the accuracy of the charge-off. 


4. Debt Collection : The debt related to my vehicle has allegedly been sold to XXXX XXXX XXXX, but I have never seen XXXX listed on my credit report. XXXX has sent me documentation related to my XXXX loan, GAP insurance payment, and a claim of {$260.00} in pre-existing damage that wasnt covered. 


5. Consumer Rights : I believe that both XXXX and XXXX XXXX have violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by failing to correct inaccurate information on my credit report and possibly engaging in deceptive practices.
Product: Checking or savings account

XX/XX/scrub>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 Login to chime and all my money that I just received is going to XXXX I know I don't have no dealing with XXXX or anything close to that so why they taking my money but I never received a text message from chime about nun of these transactions from them never received anything about if this transaction authorize by you so it's chime fault and there not owning up to it. Enclosed are copies of the following documents, evidencing the fraudulent activity :
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my name and social security number to obtain credit and Id like it to be REMOVED and ALL accounts CANCELED ~ Ive had a fraud alert on my credit for over a year and recently updated and there should NOT be any credit extended to anyone w/out contacting me DIRECTLY as indicated on ALL 3 credit bureaus!.. Ive also noticed a womans name ( XXXX XXXX ) w/ a New York XXXX has ALSO engaged in fraudulent activity/behavior using my social security number and credentials and its been Reported to the police where I live!! * please CANCEL ANY & ALL ACCOUNTS, LOANS and/or any other credit extended! * thank You!, XXXX XXXX XXXX ~
Product: Vehicle loan or lease

I thing my car was targeted for repossession in a discriminatory manner, I made XXXX payments on loan for {$38000.00}, total payment over a 5 year period {$42000.00}. 
I explained I lost my income XX/XX/year>, after losing my income in XX/XX/year>, XXXX thru XXXX, I made {$6100.00} in payments with no income, & they refuse to work with me, the asked for {$3400.00} to reinstate my loan. 

Thank you for serving me. 
Respectfully, XXXX XXXX, XXXX ( XXXX ) XXXX Lender : Toyota Financial Services XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft/human trafficking and there are fruadulant accounts that are in result of this horrific nightmare that has happened to me. also i have called experian many times to remove the fruadulant address off of my experian credit report but they refusing to remove all the frudulant address off my current credit report, also XXXX is refusing to update my current address on my credit report as well.
Product: Debt collection

AES sold a single student loan debt to XXXX collection agencies. All XXXX are trying to collect the same debt and reporting late payments. They do not communicate and the originator will not work with me. I was denied credit based on negative items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removefixd the following accounts completely from my credit reports. XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit card

Purchased two items on paypal credit and charged to Synchony Bank. Items were never received and it was from out of this country and fraud. Filed a dispute on XX/XX/XXXX, It is now XX/XX/XXXX and they can't seem to resolve the issue. 

Two case IDs XXXX and XXXX The amounts were {$33.00} each.
Product: Debt collection

Step 1 : What is this complaint about? Regional Acceptance has continued to call me daily. They called me at XXXX pm and when asked why they are calling so late they will hang up the phone. This is not the 1st time that they have harassed me during sleeping hours.
Product: Credit card or prepaid card

AMEX voluntarily cancelled my unused credit card. My FICA score has decreased significantly during the pandemic due to an increased and unforeseen household. All citizens are hurting but cancelling my account impact my credit. Another company reduced my limit only making my credit appear worse. I think during this time of great financial impact not caused by ourselves this practice shouldn't be allowed at this time. Reinstating my $ XXXX credit limit would at least sustain the present FICA score. This action combined with the other lender has the capacity to decrease my current score 50-60 points. Please don't let lenders get away with this unfair practice. Finally NONE of this would have happened if the pandemic didn't happen
Product: Credit reporting or other personal consumer reports

The dates below are the dates I sent in complaints directly through this CFPB Portal addressing inaccuracies in XXXX XXXX  reporting of the account. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am writing to file a formal complaint against XXXX XXXX  regarding their inaccurate reporting of an account on my credit report. Despite multiple attempts to rectify this issue directly with XXXX XXXX XXXX executive office, they have persistently refused to remove the erroneous information from my Experian account. 

According to XXXXXXXX XXXX XXXX  records, my account was charged off on XX/XX/XXXX. However, since that date, the account has been consistently updated as charged off every month. This perpetual updating of the payment history is highly irregular and misleading. A charged-off account should not include an active payment history, as it falsely manipulates the statute of limitations. 

XXXX XXXX XXXX failure to accurately report this account has not only damaged my credit score but has also violated my rights as a consumer. Despite my repeated efforts to resolve this matter directly with XXXX XXXX, they have chosen to neglect their responsibility to investigate and correct this error.
Product: Credit reporting or other personal consumer reports

Oregon Child support this should not be on my credit report
Product: Consumer Loan

My name is XXXX XXXX XXXX telephone number XXXX or XXXX address is XXXX XXXX XXXX XXXX SC XXXX email address is XXXXXXXXXXXX XXXX 2015 I was contacted on my cell XXXX by an automated dialer from number XXXX Ally financial XXXX times with a span of 1hour on all occasions .. this is considered harassment. They are only to contact my XXXX a day between XXXX and XXXX I am requesting {$10000.00} for the XXXX offenses after the XXXX call. Total {$3000.00}. On XXXX the called my home telephone # XXXX as well by an automated dialer XXXX times as well. I am requesting {$10000.00} for the XXXX offenses after the XXXX call. Total {$3000.00} ... ... .I 'm requesting XXXX on for this date On XXXX I was contacted by an automated dialer from Ally financial from XXXX on both my cell phone XXXX and my home phone XXXX XXXX times I 'm requesting {$6000.00} total for this dateOn XXXX the contacted XXXX more on my cell phone XXXX from XXXX $ XXXX would like a total of {$14.00}, XXXX Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. ( FDCPA 15 U.S.C. 1692d ) Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d )