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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Money Lion ) XXXX XXXX XXXX XXXX  Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.

Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 



Respectfully, XXXX XXXX
Product: Debt collection

I ask for evidence, since you have not delivered what I ask of you .... I ask for evidence such as certification tests and documents that verify the veracity of each account since just a simple document is not proof that that account is Truthful. .... For inquiries, request the document where I authorize with a signature that my data be taken along with proof of certification. For the accounts, request a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided by 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute.
Product: Debt collection

I have an auto loan through AVID Acceptance. I am currently 9 days past due with plans to pay this Friday, XX/XX/XXXX. 

Last XXXX, XXXX, they contacted my employer, XXXX XXXX. They left a voicemail which was forwarded to me by our customer service department. I asked the representative, XXXX, from Avid Acceptance to not call my employer any more. He said that shouldn't be a problem and he would notate the account and remove the number. 

Today, XXXX XXXX, XXXX, they called my employer. I received the recording from our customer service department. This is after I asked them to stop months ago.
Product: Prepaid card

XXXX XXXX travel money has had XXXX of my prepaid cards frozen since XX/XX/year>. XXXX card had {$300.00} on it and the other had {$4900.00} or slightly more on it. 

I've had no less than 15 phone calls with them to try and unfreeze the cards. No one can tell me what is required to unfreeze the cards. The only direction I've been given is to check with the credit union where I purchased the cards.

The credit union has no idea why they've been indicated as the place to resolve the issue and has also tried to get the money refunded on my behalf ; the credit union says this is the extent to which they can help. 

This finally prompted XXXX XXXX XXXX to close my cards on XX/XX/year>, but as of today, they have not returned a single penny to me. 

No one at XXXX XXXX XXXX, including supervisors or the " safety team '' can tell me what is going on. To their credit, these individuals have tried to help but are unable to get a response from the team that controls the freezing. They have looked at my account history and say they are dumbfounded over why my cards would be frozen and why no one has gotten back to me. These individuals have expressed their sympathy for my situation. 

That said, the company as a whole is a complete joke and should be avoided at all costs. They will hold your money with zero transparency and zero accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  TX XXXX XXXXXXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX Balance : {$5400.00} - XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00}
Product: Credit reporting 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX  XXXX Ga XXXX Dispute of Personal Information To Whom It May Concern I am writing to formally dispute the personal information associated with my account that appears on my credit report. 
The disputed information XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Ga XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Ca Upon reviewing my records, I noticed that the information is incorrect, I do not recognize nor have i lived at any of these addresses. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and prorities this dispute and provide a resolution immediately. A written response confirming deletion to all three credit bureaus. If you need any further information or documentation from my end to facilitate your review, please feel free to contact me via phone or email. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against TransUnion regarding the illegal reporting of collections on my credit report. The collections that TransUnion has reported are inaccurate, outdated, and can not be verified. As a result, I have been denied credit and other opportunities. 

The accounts that must be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 604, which requires credit reporting agencies ( CRAs ) to provide consumers with a copy of their credit report upon request. It also requires CRAs to disclose to consumers the sources of the information in their credit reports.

Section 609, which requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. The notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score.

Section 611, which requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. It also requires CRAs to reinvestigate disputes if the consumer provides new information.

Section 615, which requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. It also sets out the conditions under which CRAs may furnish credit reports to third parties.

Section 623, which includes subsections ( a ) ( 1 ), ( a ) ( 2 ), ( b ), and ( c ). These subsections require CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports, require furnishers of credit information to provide complete and accurate information to CRAs, require CRAs to reinvestigate consumer disputes if the consumer provides new information, and require CRAs to delete information that is outdated, incorrect, or can not be verified.

I have attempted to dispute the inaccurate collections with TransUnion, but my disputes have been either ignored or rejected without proper investigation. TransUnion 's failure to comply with the FCRA has caused me financial harm and has damaged my credit score.

I am requesting that TransUnion immediately remove the inaccurate collections from my credit report and take all necessary steps to ensure that they are not reported again in the future. Additionally, I am requesting that TransUnion provide me with a free copy of my updated credit report.

If TransUnion fails to comply with this request, I will be forced to consider legal action to seek damages, as well as attorneys ' fees and costs, for their violation of the FCRA. I XXXX also file a complaint with the Federal Trade Commission ( FTC ) and other relevant regulatory agencies. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX report on my inquiry XX/XX/XXXX on XXXX. Did not apply for credit with this creditor and did not give authorization. Called XXXX  and XXXX to remove from my inquiries no action taken. 

XXXX XXXX XXXX XXXX reported on my inquiry XX/XX/XXXX on XXXX did not apply for credit with this creditor nor gave authorization. Called both parties to remove the inquiry from my credit report. No action was taken. 

Chase Card was reported on my inquiry on XX/XX/XXXX did not apply for a chase card  and did not give authorization to check my credit. The inquiry was placed on my XXXX and XXXX XX/XX/XXXX. Called all three parties to have them remove it and no action was taken.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has XXXX XXXX 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 or 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 or credit management

I called a number which I thought was a debt collector but ended up talking to a rep from a company called Credit Wellness LLC. I provided them my info under the guise they would help my collections but ended up paying a fee up front. When I asked the rep for his name he replied he can only give me first name and first letter of last name for protection. I immediately requested cancellation and changed my card number so no additional fees can be charged. I put a XXXX alert on my XXXX XXXX.
Product: Credit card or prepaid card

I took out a store credit card with Wells Fargo back in XXXX and they were charging me more interest than agreed upon. I attempted to call several times to Wells Fargo with no real answer or resolution. I will not bank or use loans with WF again. Everyone needs to pay attention to the fine print on their applications and what is really happening with their accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an unfamiliar account on my consumer credit report. The account in question is being reported by XXXX XXXX XXXX. Despite repeated requests to XXXX, Equifax and XXXX to investigate this matter over the past seven months, no resolution has been reached. 

I have no prior or current legal business relationship with XXXX XXXX XXXX, nor have I ever entered into any contractual agreement with them. Despite my requests, XXXX XXXX XXXX has failed to provide a physical contract bearing my legal signature to substantiate their claim of funds owed. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am afforded federal protection as a consumer, which includes the right to privacy and accuracy in the information reported about me. The failure to grant me these rights constitutes a direct violation of the aforementioned statute and its subsections. 

Therefore, I demand that the account reported by XXXX XXXX XXXX be promptly removed from my credit profile. I expect immediate action to rectify this matter and to receive confirmation of the removal of this erroneous account. 

Please provide me with written confirmation of the steps taken to address this dispute and the final resolution thereof.
Product: Credit reporting or other personal consumer reports

So late summer 2023 I was looking at options for my student loans due to all the new programs coming out. I was informed that due to the classification of my loans with Nelnet that, they would need to be consolidated and I was told this by a 3rd party. I was surprised that Nelnet did not reach out as a servicer letting their customers know of this issue with older student loans. I then started the consolidation process via https : //studentaid.gov and I was given the impression that the loans would go into deferment status during the process. However, the loans did not go into deferment and upon seeing the loans were reported to the credit reporting agency I contacted nelnet and applied for a deferment manually. The Loans are now consolidated and with another loan servicer, but my credit report is still showing XXXX accounts with Nelnet that they reported XXXX  days past due. I have reached out by challenging the report and called them directly regarding this and they are dragging their feet and this is still adversely effecting me and need it resolved
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost urgency and concern. I have recently discovered that I have fallen victim to identity theft. Subsequent investigations have revealed that three credit card accounts were illicitly opened under my name with XXXX XXXX XXXXXXXX, each bearing substantial balances. 

I have never been a client of XXXX XXXX XXXXXXXX nor applied for credit cards with the aforementioned institution. I realized this fraudulent activity when I sought a loan, only to be informed by my loan officer and real estate agent of these unauthorized accounts. 

I promptly took the necessary steps to address this egregious violation of my privacy and financial security. I have lodged a formal report with the XXXX Police Department, expecting swift action and resolution. It is imperative to emphasize that I vehemently oppose any frivolous reporting of fraudulent or derogatory accounts on my credit profile, especially considering my complete lack of association with XXXX XXXX XXXXXXXX. 

Upon meticulous examination of my credit report, it has come to light that the first unauthorized account was initiated in XX/XX/XXXX, the second unauthorized account was initiated in XX/XX/XXXX, and two additional accounts in XX/XX/XXXX. This unequivocally qualifies as identity theft, as these accounts were established without my knowledge, consent, or any legitimate association with my person. 

In light of the severity of this matter, I would appreciate your urgent attention and assistance in fixing this situation. With your intervention, the necessary measures will be taken to restore my financial integrity and absolve me of any unwarranted liabilities stemming from this malicious act of identity theft.
Product: Checking or savings account

I am owner of citigold XXXX XXXX account that I closed XX/XX/XXXX but it is linked to an email XXXX that I can not login as I sparingly used it I did not get my personal wealth in XXXX using XXXX account now both are closed mother died all domains I operated with strange registrants and me having no income I called Citibank XXXX fone repeatedly they want me to verify my email and claims they can not reactivate XXXX using other means my email in XXXX is still active but I am not in payroll for XXXX after XX/XX/XXXX. I investigated and found some criminal has created XXXX account using my email XXXX and I am extremely worried as I know XXXX is occupying old XXXX  campus and XXXX I'd shown as purchased by XXXX Please help me to login to XXXX and find out what had happened and reclaim. 
Yesterday I have clear evidence of a new XXXX account XXXX that was linked to XXXX acct XXXX being removed now I can not link to that account I created a Citibank XXXX account that is linked to XXXX but that email is not mine now and could be misused.
Product: Vehicle loan or lease

Here is brief summary of main events coverings my car lease experience, wrongful automated system generatedrepossession order, report to credit bureaus and collection calls by NMAC agents : 1. On XX/XX/XXXX, Nissan XXXX  XXXX dealership paid off the car I had leased from them in full by mistake so my Nissan Motor Acceptance Corporation " NMAC " car lease account was closed ... no futher payments could be made. 

2. Dealership went to arbitration to correct it and have my NMAC lease account reopened. 

3. I filled a complaint against the dealership with NCDOJ and XXXX but the dealership did not respond to either of them. 

4. Dealership executive manager accepted their error in XX/XX/XXXX and agreed : - to make my car payments for XX/XX/XXXX and XX/XX/XXXX when NMAC reopens my lease account - to an additional refund of {$680.00} 5. No contacts were made by NMAC or the dealership with me ... no bills, explaination, notifications about a closed ornew account, warnings, repossession notice, etc. 

6. XXXX XXXX, NMAC opened a new lease account for the same car ( my prior account was still closed ), but did not inform me. 

7. On XX/XX/XXXX, I checked my NMAC account and found they had created a new account for the same car ... I checked my account status several times a week, and occationally, kept screen shots for my records. 

8. I attempted to make a payment via NMAC online app but it was rejected ... account not found. it appears the new account was not ready/fully functional to accept payments! 

9. On XX/XX/XXXX, I decided to make a payment via my own bank to my new NMAC account instead. 

10. On XXXX, XXXX, I received a call from NMAC to inform me that they had initiated to repossess my car as I had not made any payments for more than 91 days! 

11. The general manger of the dealership was also on the call so he attempted to make a payment while we were on the call ( via moneygram - as the only available option according to the NMAC agent ). The payment was not accepted as the new account was not found. 

12. The NMAC agent noticed the problem but said he could not stop the system generated automatic repossession untillMonday, XX/XX/XXXX. The agent also stated that my car may be repossessed over the weekend since the repossession order has already been sent out and reported to credit bureaus! 

I have now made all of my car lease payments, even up to XX/XX/XXXX, via my bank account. 

For the records, I understand thatNMAC had recently ( in XXXX ), paid $ XXXX in fines and agreed to submit a plan for CFPB approval that outlines how it will overhaul internal checks on repossessions, identify future wrongful repossessions and improve board oversight ... clearly they still have issues with their account opening and automated repossession system and procedures that should have been addressed by their compliance department.
Product: Credit card or prepaid card

I saw a promotion for a new XXXX credit card through XXXX XXXX XXXX that said if I spent {$1000.00} in 3 months I would get XXXX points. I was approved for the card and received it in the mail in XXXX XXXX 2017. I did not use the card until I was ready to book my vacation in XXXX XXXX 2017, and spent over well over {$1000.00} then. Months after booking my vacation I did not receive my points. When I called XXXX customer service they refused to give me the points stating that the promotion was for XXXX points at the time when I activated the card. Furthermore, that by the time I activated the card and made a qualifying purchase, the promotion had ended. However, I still see them advertising this promotion. I only chose to open a credit with them, because the reward made the most sense for me at the time. I am still using the credit card, and do not want to close it because of how that would impact my credit. I just want the reward I was promised.