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

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX - 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 XXXXXXXX has violated my rights.

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

15 U.S.C 1681 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Date opened shows XX/XX/XXXX on my credit report. 
Closed date XX/XX/XXXX Credit Acceptance is reporting to my credit that I owe {$2600.00} to them for a vehicle purchase. I do not owe this debt. They are stating I provided my licence upon signing an agreement, which is false, i did not even have a valid drivers license in XXXX, up to now. 

The vehicle that was sold was a lemon, and has been sold by the company to repay what was owed. 
I reported this to the XXXX, and was told I had a valid license which was apparently showed at signing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify this issue. I have a 30 day late with account Nationstar/Mr. Cooper from XX/XX/2019. The month in question I was given a forbearance. I have the letter stating it. I have made a dispute with all 3 credit bureaus and with Nationstar/ Mr. Cooper . XXXX Nationstar said it was correct even though I provided them with the letter they sent about the forbearance. Then, they said they didn't report it to the credit bureau. I provided Nationstar with proof that it was on my report but to no avail. Attached is a copy of the forbearance and proof that it is on my credit report
Product: Credit reporting or other personal consumer reports

Tonight, I found inaccurate accounts listed on my credit report, and I can't understand how or why they appeared. I checked my report as usual, but for some reason, these discrepancies just showed up out of nowhere. I tried refreshing the page, thinking it might be a temporary error, but the inaccuracies persisted. Because of this, I'm requesting a detailed check of the documents I've sent to ensure I never have to face this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle ( XXXX XXXX ) through XXXX XXXX from XX/XX/XXXX - XXXX. In XX/XX/XXXX, I traded the vehicle to a dealership. I submitted all the required paperwork and turned the vehicle ownership to the XXXX XXXX ( XXXX, FL ) car dealership who ultimately paid off the vehicle. Due to the numerous, lengthy issues between XXXX XXXX and the XXXX XXXX car dealership, there was a missed payment in XX/XX/XXXX. I was completely unaware of this issue, and as far as I knew, the vehicle was paid off, according to XXXX XXXX. It wasn't until several months later I received a notice from XXXX XXXX stating that I was late on a payment. I voiced my concern to the finance company ; however, they dismissed everything I had to say and notified the reporting agencies that I missed a payment. 
Further investigation revealed that XXXX XXXX XXXX did send payment to the finance company. Still, they refused to accept the payment and sent the check back to the dealership via mail, hence the time delay before I was notified. After the dealership received the notice that XXXX refused payment, I was contacted and attempted to remedy the situation with XXXX. Still, they refused to hear me out and marked my credit account " XXXX days past due '' to all three credit bureaus. I took extreme care of my credit and was never late on any payment for the entire time I leased the vehicle. Despite my diligence to make sure XXXX receives timely payments, they refused to work with me on the issue. After the issue was brought to my attention, I worked with the dealership, and XXXX ultimately received the money to pay off the vehicle. I do not agree with the XXXX days past due mark on my credit report because XXXX received payment promptly. Still, they refused to accept the payment, causing a significant delay before I or the dealership knew the issue. XXXX has received their payment, the vehicle is paid off, and I want the negative mark removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian that I am a victim of identity theft and in return they told me I am a credit repair company and did not fix the errors on my credit report. this is my second request
Product: Credit card or prepaid card

I opened a Barclays Uber Credit card some time ago. I haven't used it much recently since they changed the terms to make it basically useless for anything except Uber, and given that we're in the middle of a pandemic, I haven't travelled recently be it for work or personal reasons. With no warning they closed my account, because obviously it's perfectly fine to expect your customers to put their health at risk to travel just to use your card -- according to them it was closed in XXXX because of a 'inactivity in the past few months ' which is well with in pandemic range. This was annoying enough since I got exactly zero information that this was about to happen ( no, I received no letter from them ), but they've also declined to reimburse me for the credits I still have with Uber. Under the circumstances this is the very LEAST they could have done. I contacted them multiple times ( email -- as I've noted below I can't even get a person on the phone ), but despite the credit still being listed on the very first page of my account, per their response 'we don't see it on your UBER Visa Platinum Account '. They also closed the message chain making it impossible for me to reply despite requesting that I do just that. The credit is a small amount so there's no good reason why it shouldn't have been immediately refunded even without my request, especially given how poorly the closure was handled. I've attached snapshots of the message where they claim they can't find it ( and then ask me to reply when the notice at the top clearly states that the message chain is closed ) as well as the main page of my account which clearly lists the credit that they somehow can't find. I've also tried contacting them by phone, only to be told that there's no one who can help with my account -- not that there's a long wait time, that their automated system literally can't connect me with a person. So this is my last remedy.
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. 


Here are the following accounts which has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # 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: Credit card

On XX/XX/year> I was notified by Bank of America credit asking me if I authorized a {$4.00} charge from XXXX. I contacted the fraud dept and told them I did not authorize charge. They cancelled my cc and issued me a new card with new number. 
On XX/XX/year> I was notified by Bank of America credit asking me if I authorized a {$5.00} charge from XXXX on my new cc they issued. First I contacted XXXX  to find out why they continue to charge me. They had no record of me as an account holder. I contacted Bank of America fraud dept and told them I did not authorize this {$5.00} charge and asked how XXXX would have gotten my new credit card number? They cancelled my XXXX card and issued me a XXXX credit card with a new number. 
On XX/XX/year> I was again notified by Bank of America credit asking if I authorized a {$4.00} charge from XXXX. I contacted Bank of America fraud dept and told them I did not authorize the {$4.00} charge and asked how did XXXX get my XXXX new credit card number? I had not even activated the XXXX card! They had no answer. 
I need your help with this issue. Bank of America should not be giving out my new number to XXXX. I do not have an account with XXXX  and have not given anyone my credit card number to use. This is a continuous issue that Bank of America credit will not solve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several negative payments reporting with Ally financial during a period of XXXX XXXX XXXX. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as hard inquiries. I do not notice these accounts and never applied for them. I then reached out to Transunion, XXXX, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Product: Checking or savings account

TD Bank charged me 3 {$35.00} fees for {$0.00} authorizations, which should not have created a charge. They have done this before and I am tired of it. If the authorization is for XXXX, it should not generate a fee. This is not right. They continue to do this month after month. I want this stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a XXXX form. They would not let allow me to settle the account. They said the account is past the statute of limitations. Monday XXXX XXXX The operator said that they do not know if a XXXX will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX allowed someone to use my social security number and they placed an unauthorized credit card in my name on my consumer credit report around XXXX that is in a derogatory status. I notified them on XX/XX/XXXX through CFPB complaint after several attempts to resolve it through them. They responded that it was an error on their behalf and they would remove the account. They did remove the account, but my private personal information had already been accessed by a someone other than me and my credit was ruined. I was denied for other credit products. 

Not only did they not properly validate their applications and NOT protect my privacy, they sold my information to a debt collector AFTER having this understanding with me that this account was not MY account. 

I recently applied for a credit card with XXXX XXXXXXXX and they denied me because they claim I already have a card with them and I do not. This means that they are still reporting that card in their system. This is discrimination because they ruined my credit and they are retaliating against me for reporting their illegal business practices. 

Equifax, XXXX and XXXX are also at fault because they were reporting this information as verified up until XXXX of XXXX ; hence I was getting denied for other credit products. 

My consumer rights have been violated : 15 USC 1681 B 2 A, 15 USC 1681 4, 15 USC 1681 A ( 2 ) B DO NOT REPOND THAT THIS IS NOT ME BECUASE I AM ALSO INCLUSING MY ID. THAT IS A STALL TACTIC THAT YOU USE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted XXXX XXXX XXXX in XXXX, XXXX for financing and purchase of vehicle. 
I spoke with sales Rep. XXXX XXXX and Finance Rep. XXXX. 
Prior to submitting my application and running my credit profile, I was VERY SPECIFIC AND ADAMANT regarding XXXX XXXX XXXX and XXXX XXXX NOT making more than ( 2 ) HARD INQUIRIES to my Equifax profile account.

Too many hard inquiries 'lowers ' one credit score. 
Prior to running my Equifax credit profile I explained that I had a credit FREEZE OR LOCK on my account and would have to have it removed. 
After removing the credit lock and allowing XXXX XXXX to access and perform the credit screen, I was told afterwards that ( 10 ) INQUIRIES TOTAL were made. 
I was furious with Rep. XXXX saying, " This is misrepresentation and FRAUD, you have ruined my credit score! '' " You didn't do what I asked of you! '' I would also later discover that XXXX XXXX had tried to access my XXXX Credit profile as well but it too was also locked, denying them access. 
There needs to be nationwide government regulations on how many times one ( 1 ) car dealership can " FISH '' around a consumers credit information to different lenders. 
These several actions definitely have a adverse or negative impact on one 's own credit profile and score. 
I DID NOT GIVE CONSENT TO XXXX XXXX TO HAVE MY CREDIT 'FISHED " AROUND.
Product: Debt collection

XX/XX/2022, this account was discussed with XXXX and with a complete breakdown with the representative named XXXX XXXX, it was confirmed the amount of XXXX was an excessive overcharge. The representative provided me with an amount of XXXX being owd. The reporting amount is invalid, the date of the contract is incorrect and the phone numbers they included on the bill were a merge with a family member 's account in error. In XX/XX/2022, I spoke with Jefferson Capital, who were not able to validate the account with the original documents showing this account was opened by me and the amounts were owed and charged for me. According to FCRA, XXXX Jefferson Capital violated by 1. Mixing up one 's person information with another 's because of similar name. 
2. Provided creditors inaccurate financial information about me.

3. Failed to send me notifications about this account and reporting to the Bureaus without notification. 

For the past 2 years, I have fought with creditors providing inaccurate information, all while recovering and receiving therapy from my military injury. These businesses have an awful way of dealing with Vets and Military staff.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with the cfpb about XXXX XXXX XXXX account number XXXX Complaint numbers XXXX and XXXX with XXXX  and transunion. 
Mentioned in the dispute is how XXXX is deliberately reporting inaccurate information on my report. In several disputes with transunion and XXXX, I have asked the company for proof that this account or alleged debt belongs to me. XXXX, transunion and XXXX have failed to provide adequate information to me. XXXX is reporting a collection as open with transunion even and marked it as meeting fcra regulations. That is incorrect and a clear violation. To make matters worse, XXXX shows the date of last activity with transunion as XX/XX/XXXX and XX/XX/XXXX with XXXX. I have not made any sort of payment or arrangement for this alleged debt. XXXX is updating the date of last activity to re-age the account and continue to harm me and my credit score. I demand that XXXX provide proof to me. I request full validation including a contract with my signature that says I agreed to pay XXXX XXXX XXXX  something. Not some bill or statement that just has name and address. I was previously a victim of id several data leaks including the one with XXXX, employers and XXXX XXXX XXXX. Therefore I request the that XXXX provides me with the purchase agreement and original contract with my signature
Product: Debt collection

On XX/XX/2019 I received a phone call from XXXX, thinking it was family, I called the number back to find out it was a debt collector trying to get paid for a 14 year  old debt obtained through identity theft. I got very upset most of all, because they gave out the last 4 digits of my social security number before they knew who I was and I went off the deep end. I questioned them of how they got my social security number and why they had given it out and I did not let him get a word in edge wise because I was mad, and yes I said some bad work. I also told them that I better not find it on my credit report as a new account owed, I have one on there that did this and it is still on my credit report, and then I hung up on them. I did call them back to get the company name, because I don't remember them giving it to me. A women answered the phone this time and said her name was XXXX and I asked her to spell it and she asked if I had just called and I said yes and I want the address to the company, she kept asking questions while I was asking for the address and she would not give it to me and told me to answer her questions and I kept asking for the address and she said that it was being recorded and I told her good and told her the same thing I told the first person. She hung up on me. They should not be giving out any part of someones social security number at all. I am going through a problem with identity theft right now, and them giving this information out is not good, a lot of companies ask for the last digits of your ss #, but they don't give it to you.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that I had three inquiries from my credit report that I did not make. Those inquiries are listed below. I did not make the inquiries or recognize them. I was told that I would need to make a report. 

XXXX - Reporting to XXXX XXXX XXXX XX/XX/XXXX Navy Fcu - Reporting to XXXX. I have one Navy Federal card that was opened in XX/XX/XXXX. 

Inquiry date not made by me - XX/XX/XXXX
Product: Credit card or prepaid card

PayPal so for my credit card I was giving XXXX $ with good credit witch I should got more for having food credit I was using the credit card for gas and more then days later the decreased my account with out my knowledge no contact email or no mail to let me know what happening so I feel I was treated unfairly they didnt want to help me I called today XXXX XXXX XXXX XXXX and I called other times as well I feel people around with different backgrounds a few of my white friends with bad credit got a higher spending limited with no problem I feel the company was unfair somewhat XXXX for no communication with me about my account I feel They sold My information as well I feel uncomfortable with PayPal having my information they treat me wrong and I want o sue for my time information and the unfairness
Product: Debt collection

Approximately XX/XX/year>, after not being able to reach anyone regarding cancelation of my security services I found an XXXX  service email address. I sent my account # along with my request to cancel my services. I continued to receive bills for another 3 months at which time I called the same phone number that I had attempted multiple times prior, but this time I did get an actual human. After explaining my situation and providing proof of the email and phone calls, the XXXX canceled the account but informed me that I would still be responsible to pay those 3 months of bills. I argued my point to the end, but the agent was not having any of it. Since then, I have been harassed by more than one collection agency. Every time, I explain the situation and refuse the false charges. The bill is only {$200.00} which I could easily pay, but by principal I refuse to give them the satisfaction of bullying me to pay a bill that is false and misrepresented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the DO NOT CALL LIST. 
The company CONSUMER COUNSELORS is calling me at least 10 times a day. 
It is a recorded message. 
I don't need and I don't want this service. 
I had waited until a human takes the phone and explained several times that I don ; t want their services. I also informed that I am in the do not call list and that I am going to report them. 

Also, I receive daily calls from XXXX XXXX, telephone XXXX XXXX XXXX. 

I want to STOP RECEIVING CALLS FROM these 2 companies, please. 

I want to report those 2 numbers. 

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

XX/XX/2019, I disputed information directly to all 3 credit bureaus XX/XX/2019 I requested debt validation letter from company directly and disputed claim via certified mail. 

Company has failed to provide such documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

The number of terms listed on my credit report for account XXXX ( XXXX ) is inaccurate as Experian and XXXX data is not consistent across each credit bureau.. please delete account for inaccurate reporting as this is a violation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose 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 you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 



Thank you, XXXX XXXX