23daVinci/CFPB_Complaints huggingface dataset:
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. 
Collections Account Name : 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  has violated my right.

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: Consumer Loan

ally auto repos the vechile within XXXX month of being deliqent of XXXX car payments, after a month prior they agreed to put me in forbarance. The manger refused to listen to previous recorded calls unless requested by attorny.
Product: Vehicle loan or lease

in accordance with fair credit reporting act this creditor ( 5/3 bank ) has validated my rights under 15 U.S.C. 1681 Section 602 states I have the right to privacy. [ 15 U.S.C. 1681 section 604 a section 2 ] it also states customer reporting agency can't not furnish an account without my writing instructions. Under [ 15 U.S.C. 1666 B ) a creditor my not treat a payment on a credit card account under open consumer plan as late under any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these student loans with the credit bureaus and XXXX. These student loans have late payments attached to them that are inaccurate. The student loans have been being marked as late during the pandemic when there has been no payments due during the pandemic. I have been disputing this with the bureaus and XXXX for three months and it has been coming back verified with no explanation. XXXX knows that there has been no payments due during the pandemic they refuse to resolve the issue and this is causing detriment to my financial state. 
These accounts are also reporting inaccurately and differently across all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I XXXX XXXX recently requested a debt validation from XXXX XXXX on this alleged debt on XX/XX/2021. In the responds from XXXX XXXX, they requested to verify my SSN number and where i received this loan location. In my original letter I sent them my last XXXX of my SSN number and the account number of this alleged debt provided by the credit bureaus. I do not have anymore information regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian/XXXX credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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: Checking or savings account

My employer 's payroll company is XXXX - XXXX provided information on a bank and checking company XXXX  by XXXX that included benefits with direct deposit. I opened an account with XXXX. I was told by XXXX  representatives that cash deposits could be made via XXXX XXXX. On XX/XX/2021, I pulled my balance from my usual bank XXXX XXXX since I was now planning on banking with XXXX  and attempted to deposit {$3200.00} cash to my XXXX  account card - the store was unable to deposit the cash to my card but was able to deposit to my checking account which I later learned was through Fifth Third Bank. The cash was never deposited to my card nor has been deposited to my checking account. 

I've contacted XXXX  who informed me I needed to cancel the transaction as it should have gone to my card and not to my checking account. I cancelled the transaction with XXXX XXXX who confirmed the funds were delivered to the bank on XX/XX/2021. 

XXXX XXXX can not reimburse me my money until Fifth Third Bank responds and refunds the money. I've been following up with XXXX XXXX daily and Fifth Third Bank has not responded to requests to reimbursement. I contacted XXXX and have been communicating with XXXX XXXX - XXXX XXXX XXXX XXXX XXXX but she has not been able to provide me with a contact number for XXXX XXXX to call and verify nor has she been able to provide any other information other than she's asked her accounting department to contact XXXX XXXX. I called and emailed again today and no response at all. XXXX 's number is ( XXXX ) XXXX - email address : XXXX. 

I sent XXXX with XXXX  and XXXX  proof of the XX/XX/2021 {$3200.00} XXXX XXXX deposit to my account - again that deposit was made and sent to Fifth Third Bank on XX/XX/2021 and it has not posted to my card nor has the cash been deposited to my checking account nor has it been reimbursed to XXXX XXXX. I've explained to XXXX  multiple times I need the money to post to my account or be reimbursed as I need to make my mortgage and household expenses - it's been 2 weeks since the deposit and I have no idea where my {$3200.00} cash is.
Product: Credit reporting or other personal consumer reports

The wrong personal information is on all 3 of my nation wide credit reporting companies XXXX, experian, XXXX, and fico score also.
Product: Vehicle loan or lease

I have been unable to complete a lease transfer because the Tesla App/Website does not work. I have called Tesla and they said there is no phone number for the Tesla Financial department and to send an email. I have sent multiple emails and have not received a response.
Product: Bank account or service

I have money unexplainably being deducted from my account without trace of any transactions. My balance simply changes without any withdrawals taking place. Then when I call the bank 's customer service they say that everything adds up and they do n't know how it might have happened. It has happened more than once and the first time they refused to investigate and so did the police claiming I did n't have " physical Proof ''. This time I do have a screenshot of what my balance was just yesterday and without any trace of where the money went, I wake up with {$180.00} less in my account and it keeps happening! XXXX/XXXX/2015
Product: Debt collection

XXXX XXXX XXXX college falsely charged me for a semester after an issue with my parents taxes, I have a deragatory mark on my credit of XXXX for the National Credit Management open XXXX 2015. They repeatedly called and harassed me for months telling me why did I go to school if I cant pay for it, and that I think Im invincible since I didnt pay it and Im think Im above the law and a criminal, and cursing at me exclaiming they didnt give a XXXX about why I dont have the money. After letting them know I do not want to be called and would be going to the college they repeatedly called and harassed me for weeks after that.
Product: Checking or savings account

I am conservator for my mother. On XX/XX/2019, she instructed Chase Bank to stop payment on two checks she had written. Neither check had cleared the bank, yet. 

Both checks were subsequently paid a few days later. 

My sister and I, ( co-conservators ) have been working with Chase over the past several months to determine what happened. They have not provided any information about why the checks were paid and are refusing to reimburse the amount. 

We have engaged our legal counsel ; incurring additional legal fees. 

Chase continues to refuse to refund the money even though they do not know why Checks were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX  XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$55000.00}.
Product: Vehicle loan or lease

On XXXX/XXXX my vehicle was repossessed by Bridgecrest as well as a company named XXXX XXXX which was contracted by a company named XXXX XXXX XXXX  based in Michigan. My vehicle was repossessed while in front of my apartment. The repossession was a wrongful repossession as well as a breach of the peace occurred by the agent brandishing weapons to me and my XXXX XXXX XXXX XXXX  who was in the vehicle. The vehicle was returned to me today, with no balance due as the loan servicer admitted the vehicle was taken illegally and unjustly. I am looking for them to pay for my lost wages as I lost out on working as I use my vehicle for work as well as my rental and taxi expenses. I also was forced to go through the humility in front of my neighbors as well as having the finance company lie to me about payment status. The towing company also damaged my vehicle from my front bumper to my suspension to my transmission and tires from dragging an awd vehicle and not towing it correctly. They also stole my medication from the vehicle which is a controlled substance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Experian, and XXXX  that someone had stolen my purse and belongings from the above listed place of business in the lobby waiting area some years back and I asked XXXX, Experian, and XXXX  to block the information and they refused to remove all of the fraudulent accounts. I was unaware that they used my information to open accounts and made inquiries on my credit report until recently.

Where I'm from, I was never really taught anything about credit until recently so I never had a reason to check my credit report. So now that I've checked it I've come to the realization that due to my belongings being stolen I became a victim of identity theft. The information listed 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. 
XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XX/XX/XXXX - {$11000.00} XXXX   XXXX XXXX ( XXXX  ) - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX ( MEDICAL ) - XXXX XXXX  XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I visited a local auto dealership to inquire about obtaining a larger vehicle. Credit was denied. ( see attached correspondence from XXXX XXXX XXXX XXXX ). 

In XXXX of XXXX, I was granted full bankruptcy relief as a result of being a XXXX and XXXX to a daughter with XXXX XXXX. Our/my debts were the direct and indirect result of her medical condition. She passed away in XXXX of XXXX. 

In XX/XX/XXXX, I secured full-time employment with XXXX XXXX XXXX XXXX My starting XXXX  offer was {$83000.00} and in XX/XX/XXXX, when this credit report was obtained my salary was {$100000.00}. 

Despite these verifiable facts, I was denied credit. Citing " excessive obligations in relation to income '', the credit bureaus are continuing to wreak havoc on my reputation and finances. I have one car loan, I rent, have no credit cards/debt, or student loan debt, yet, I was denied credit. 

PLEASE HELP ME/US. The credit bureaus are archaic and ineffective and are hurting millions of American families.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been repairing and monitoring my credit reports for about the last 2 years. I noticed in XXXX that my score with Experian is about XXXX points different from the other reporting agencies. I waited until XX/XX/XXXX to see the new report and it remained the same so I reached out to Experian to no avail. Their phone service was unable to help me. I even chatted with someone who told me that someone will be getting back to me and no one did. Now when I try catting It doesn't work for me. I would like to know why the disparity of Experian and the other reporting agencies. I'm in the home buying process and feel that this will affect that process so this is very important to me. TY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER : XXXX DOB : XXXX SSN : XXXX **Subject : Dispute of Inaccurate and Non-Permissible Purpose Inquiries on Credit Report** **To Whom It May Concern, ** I am writing to formally dispute several inquiries listed on my TransUnion credit report . These inquiries, dated XXXX and XX/XX/year>, might lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), or they might be inaccurately impacting my credit score. I am requesting an immediate investigation into these discrepancies and their correction. 

**Specific Inquiries and Lack of Permissible Purpose : ** The following inquiries are disputed due to a lack of demonstrable permissible purpose under the FCRA . I request verification of these inquiries ' legitimacy and necessity, along with a clear explanation of their permissible purpose. If a valid permissible purpose is absent, I request their immediate removal. 

1. XXXX XXXX ( XX/XX/year>XXXX XXXX XXXX XXXX I have no record of applying for credit with XXXX XXXXXXXX on this date. This inquiry appears to be an error and lacks a permissible purpose for inclusion on my credit report. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall applying for credit with XXXX on this date. Please provide documentation verifying this inquiry and a clear explanation of the permissible purpose justifying its inclusion. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Similar to inquiries # 1 and # 2, I have no record of this inquiry and request verification and justification for its presence, along with confirmation of a permissible purpose. 

**Impact of Inquiries : ** These inquiries may be artificially lowering my credit score, potentially affecting my ability to secure favorable credit terms. I am particularly concerned that their extended duration could exceed any valid permissible purpose, thereby negatively affecting my creditworthiness. 

**Request : ** I request a comprehensive investigation into the inquiries listed above and ask that you remove any inquiries found to be inaccurate, unnecessary, lacking a permissible purpose under the FCRA , or improperly reported. Please send me a copy of my updated credit report reflecting these corrections. 

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

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, XXXX, XXXX ] XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX, XXXX, XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, but my credit report shows an outdated address as 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. I request that my current address be updated accordingly. 

Contact Information : I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

-I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : -A copy of my driver 's license or passport displaying my correct name. 
-A recent utility bill or bank statement showing my current address. 
-A copy of my phone bill or any other official document that displays my correct phone number.
Product: Mortgage

To Whom It May Concern : This year my house went into foreclosure. I found out after my house insurance company reached out to me. I never received a letter or documentation stating the house had gone into foreclosure. 

I had made at least 4 back payments prior to the house going into foreclosure. The mortage company would not honor the payment. 

As stated previous, I never received any paper work/documents in regards to the home as being foreclosed. 

I moved out the home in XX/XX/XXXX. I had a tentant in the home from XX/XX/XXXX to XX/XX/XXXX, The home was vacant as of XXXX. The home is in XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've learned that Equifax may have compromised my personal information including name, DOB, social security number and address from online news reports. Even beyond this outrageous failure, I was not notified of this by the company or automatically enrolled in an extended protection program. It seems that would be the least they can do. The 90 day protection is pointless because this information can be used 100, 200, or 1000 days from now to fraudulently open accounts in my name. The government should step in now and make sure anyone whose information was compromised is secured from fraudulent activity, where there is additional verification of identity for these individuals. I do n't trust Equifax to do this properly since they have failed so awfully in literally the one thing their business needed to get right.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

Hello my name is XXXX XXXX with a false mark on mine and my sons credit report! In XX/XX/XXXX, I co-signed for a truck loan ( XXXX XXXX XXXX low miles, very clean for {$11000.00} at 19 % interest, for 48 months, at XXXX a month ). He paid on it for a year and he unfortunately got XXXX and it disabled hi for continuing paying Westlake Financial Services Inc . He tried to work with them and they never let me know and they came and repossessed it. They sold it at auction and sent me a paper, not a bill of sale. There was know information about the sale - how much, where, when and who. the have there own auction company through Westlake. They indicated it sold for {$1100.00} but hard to believe with out proof that we still owe {$11000.00}. This seems to be very bad and fraudulent business habits. Can you please look this over seems to be illegal? Thanks!
Product: Checking or savings account

On XX/XX/24 I called ADP Wisely to dispute 4 charges that I didn't know where from. On XX/XX/24 they closed the case an said today they sent a letter that I never received. They will not tell me why. Just that they found it not to be in my favor an I can resend a complaint to open the dispute again via a XXXX XXXX when I get a letter. Now they will not help. I have transaction photo of the fraud. 
They don't care an I'm out $ XXXX. I need help. It will cost me {$1000.00} or more for a lawyer & may never get my {$200.00} back. I will never use them again & will let everyone know not to use this fraud friendly company.