23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Acceptance Corp, XXXX is reporting the following history on my credit report : {$32000.00} chargeoff, showing account open and past due with lates reporting every month since XXXX of XXXX. 

This account was charged off in XX/XX/XXXX. It is illegal to report late payments on an account that has been charged off, yet after disputing this with the credit bureaus, and after calling the company directly, they are refusing to stop reporting this account late every month since XXXX of XXXX. Because of this account reporting late every month for the past XXXX XXXX years, my credit is completely ruined and I am unable to purchase a car, a house, or obtain any type of credit at all. I have been stuck in this position for over four years because of their refusal to correct this situation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an email correspondence was sent along with an opt out request for Nexus Lexis product services was sent XX/XX/XXXX and XX/XX/XXXX. I did not consent to this unsolicited service. The data broker than proceeded to string me along asking for additional information shortly after I provided my social security number and my home adress. The data broker proceeded to ask me for additional information such as a photo of my drivers license and a letter with my home adresss claiming that they could not verify my information due to the correspondence that I have sent. They have been taking a strong defensive position with thier legal council in order to to keep my personal information. I am not obligated to provide a reason for my take down request and I should not be told to provide anymore of my personal data to this data broker for them to comply with these data privacy laws.
Product: Checking or savings account

I deposited a check on the BofA App as they recommend you do. I checked and my account was given credit for the money. The statement on the deposit said it would be available the next day. BofA then took the money out of my account and said they were going to hold it. Part of it for 2 days and part of it for 7. When I called them and talked to a supervisor they said that I was too risky and they changed their minds. I asked them to cancel the transaction and I would go get cash or certified funds. They refused. I know my agreement with them says they can hold funds up to 5 days. I have several accounts with the same agreement but they do not hold the funds of the same amount. They said the could not do anything about it which is not true because a decade ago I had funds held and they waived the requirement and gave me access to the funds. They claimed that they recently change the rules but I did not agree to a change and was not notified. I know it is a technicality but they put the funds in my account and told me it would be available the next day then they changed their minds. I am familiar with Check XXXX which is the processing of payment electronically through the Federal Reserve. They got my money from the check the next day. Since they told me it would be available the next day I consider that an agreement. They changed their minds but they would not allow me to change mine and cancel the deposit. This is not fair and is an abuse of power. Once they have the money in their bank, they should have to give me credit for it. I have been with BofA for 30 years. I have credit scores of 750 to over 800 depending on the bureau. They said I am a risk but they never looked at me. Their holding my money when they have it has damaged me as I made promises to pay that now I can not keep. If I take their money they make me pay fees and interest. If they take my money they should have to do the same at the maximum rate they charge me. This is not big enough obviously to sue them and they told me they do it to a lot of people. The only way this is going to get fixed is if the CFPB makes them stop.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I believe I may be 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 may be the result of identity theft due to a recent security breach. 

Accounts 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 card or prepaid card

Using auto-pay to make payments, auto-pay is not taking payments from account and I am being charged late fees.
Product: Debt collection

There was a woman with my same name and birthdate who was hospitalized in XXXX of 2019. She ultimately XXXX in XX/XX/2019. Her hospital bills hit my credit report. I have spent months contacting the collection agency, transworld systems inc, and the hospital and sent documents proving its not me. the transworld system has opened over 50 accounts on my credit reports. 

This has caused and issue with the SSA and IRS. on top of destroying my credit and preventing me from acquiring credit and an auto loan.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Huntington Bank checking account ending in " XXXX ''. As part of the initial funding, a transfer of {$1000.00} was initiated through Huntington ACH from my XXXX XXXX account. A Payment ID/Confirmation of the transaction provided by Huntington is  shown in the attached file. The funds were debited by Huntington from my XXXX account on XX/XX/XXXX. 

On XX/XX/XXXX, my Huntington account was shut down due to some risk factor. Unfortunately, the {$1000.00} hasn't returned to me. 
I have called Huntington Bank on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and was given contradictory information each time, as listed below. 
1 ) We don't know where the {$1000.00} went. 
2 ) The transfer was NOT completed due to the account shut down.

3 ) Refund would take 3-5 days. 
4 ) We already sent back the funds to XXXX. The issue must be on their end. 

The issue is clearly not on the XXXX end. I'd be more than happy to do a 3-way conference call to clear this misconception. 
I'd appreciate someone competent enough at Huntington Bank to look into this issue and provide a quick resolution.
Product: Vehicle loan or lease

To All Concerned, I have been mistreated as a consumer in regard to the reporting of my car loan. I have been with Lexus Financial Services for years and have never missed a payment and I have never been late. In XXXX of 2022, I was recommended by a Lexus Financial Services representative to try their automated payments program, which would allow the payments to be extracted from my Business checking account via ACH. The initial payment for Toyotas automated payment program was done successfully on XXXX. 

This led me to believe that All was set. Yet, Unbeknownst to me, the payments thereafter were not collected, seemingly due to systems or tech error on Lexus Financial Service 's end. Lexus Financial Services never informed me that I was late in making any payments, nor that payments were not being automatically debited from my account. As soon as I discovered this on my own, I made the payments immediately. However, we were already 2 payments in, resulting in Lexus Financial Services reporting me as late on my credit for their error. 

I have pleaded with this company to remove the lates as they were apparently the result of a tech or systems issue or their administrative error in not properly handling my enrollment in their automatic payments program. 

I have Never been late on my car note and I have certainly been an excellent customer at Lexus Financial Services. But this has caused me and my family great stress and financial hardship to be unjustly reported as late on our credit as a result of their own error. 

Please help us, correct this horrible wrong!
Product: Debt collection

Midland Funding bought a debt from XXXX ( South Dakota ) XXXX Midalnd claims it 's a debt I owe. I send them a request for verification and they could not provide any evidence. I informed them I never have process a loan with XXXX. The debt shows on my credit report rendering bad score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX XXXX XXXX XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX XXXX XXXX XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated XXXX XXXX XXXX XXXX, which prohibits debt XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX XXXX XXXX XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} SELF / LEAD Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Hard Inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX MODEL FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  SER XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT XXXX XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX FINANCIAL SER XX/XX/XXXX XXXX CARD XX/XX/XXXX SYNCB/XXXX  PLCC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

The issue is related to Best buy Citi credit card. I got a best a best buy credit card with 36 months of promotional XXXX. Most of the credit card statements will reflect A. Minimum payment due B. Statement balance C. Outstanding balance. This company always confused statement balance and outstanding balance. So I was always left with the choice of either paying the outstanding balance or the minimum balance due, leading to them charging me interest. 

2. The company at the time of purchase told us that our purchase payment will be converted into 36 payments but now customer care says that it's 12 months.

3. Tried to reach out to the company two times but they have a very shrewd way of cheating the customers and making some money from the interests that they charge on poor customers.

4. The credit card companies have three payment options : minimum balance due, statement balance, and outstanding balance. They are not clear on this, you need to dig deep or do research to find out about the payments due to avoid interests. 

5. In case they have reported anything to my credit reporting company I want them to withdraw that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$17000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$44000.00} XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX Balance XXXX {$34000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXXalance Owed : {$1300.00}
Product: Debt collection

I was called by Columbia Debt Recovery LLC DBA Genesis ( P ) XXXX. I was informed that I was in debt collection for XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX from XXXX XXXX XXXX. Total debt including interest : {$14000.00}. 

I have never lived in Maryland, and this was a fraudulent account using my stolen driver 's licence and social security number.
Product: Credit reporting or other personal consumer reports

False late payments Improper  use of credit file Unknown account dont recognize Credit bureaus misleading banking institution regarding my account usage or status. 

Files removed for credit due to data breach in informed info mis reporting or usage
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I requested all incorrect information to be removed completely from my Lexis Nexis credit profile. On XX/XX/XXXX, I received notice in the mail that my request was completed, however, some of the incorrect information such as names, addresses, jobs, emails, birthdays, and phone numbers was still on the report. I called within the same month and was told that the incorrect information was successfully removed. In XX/XX/XXXX, I requested an updated copy of my credit report and on XX/XX/XXXX, I requested the incorrect information to be removed again, it has not been removed. 

SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$2000.00} XXXX  XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$300.00} DEPTEDXXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$57000.00} XXXX XXXX {$160.00}
Product: Checking or savings account

On XX/XX/XXXX I deposited my paycheck from my employer as usual through suntrusts mobile check deposit app feature. The check was received by the service and I was told the check was put on a hold, for what I thought was the weekend due to them being closed but in reality ended up being something completely unexpected. Without being notified in any way my account was closed/ frozen. The reason they gave me was fraud even though there was nothing fraudulent with the account or the check deposited as all my coworkers checks deposited through their respective banks with no issue. What can be done about this? as it is apparent I am not the first to have an issue of this kind. Locking off peoples access to their funds is serious and the way they have responded to any complaints or questions is sickening. When called they are quick to say they are not obligated to tell me anything about what is going on and that my local branch cant help me. And next say they are going to determine if THEY think I should get MY money through their investigation that will take about 15 days. This bank is making interest off of the money of people who can no longer afford to pay their bills or rent. This is plain disgusting. My employer has told me that the check cleared on his end so he does not need to give me that money which was called fraudulent so if suntrust decides to keep it that is plain and simple theft
Product: Debt collection

Rental Recovery Systems, They are saying I owe a balance from XX/XX/2016, XXXX XXXX 

This is not owed because the apartments broke our lease due to a spike in crime, car was stolen, other car broken into, and neighbor had attempted home invasion by burglars. We worked with management to terminate the lease and at that time were absolved of any further financial responsibility. I called numerous times to verify this. Manager was XXXX at the time and because of the safety issues we were told we owed nothing else. This should not be on my credit.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX I spoke with a collection rep for XXXX XXXX regarding my account that is being garnished through my Social Security check that this account should have been included under the SCRA the rep became very rude I asked where to submit my documentation for my SCRA dispute and I emailed the collections department to discuss my the discrepancies. 

XX/XX/XXXX I spoke with a supervisor named XXXX in customer service when the conversation started out she was understanding of the situation when I asked to speak with upper management regarding the services of how the companies handles Due Dilgence she became very short and rushing me off the phone this business practice of working with servicemembers is poor customer service XX/XX/XXXX to XX/XX/XXXX I had 2 other accounts that I paid on time and paid off. This is so sad that they treat there customers this way. All I '' m trying to due is get this matter resolved and go on with my life they don't listen to customers at all.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : 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 : 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$370000.00}, and XXXX XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.
Product: Credit reporting or other personal consumer reports

I am concerned about an account showing on my consumer report which Im not liable for. XXXX XXXX XXXX XXXX ) is showing a closed account with multiple late payments hurting my good name. The results sent to me are irrelevant and seem like a computerized vague response. They did not send me proof of my Id and signature that was used to open this account I do not recognize. I am seeking for an immediate delete of this fraudulent account. Further result in denial of paperwork im asking for as proof is mine will be taken to higher steps with attorney. Thank you for your time in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX