23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX of XXXX, I was preapproved for financing with XXXX XXXX XXXX XXXX company. I used the XXXX XXXX to locate a new XXXX XXXX XXXX. I proceeded to the dealership to acquire the vehicle and printed out all paperwork provided by XXXX XXXX to purchase the car. While at the dealership, they kept asking to run my credit to see if I could get better financing. I respectfully declined advising them that I was closing on my house in a few days and I could not have any inquiries put onto my credit. The preapproval from XXXX XXXX XXXX XXXX did not put any inquiries there. While at the dealership doing my paperwork, I get a call from NMAC calling to verify my identity. ( I have fraud alerts and my credit file is frozen, and it was only unlocked so the mortgage companies could run my final credit check. ) I was informed that the call was being monitored and recorded. I asked why they were calling and I was advised my file was submitted for financing, I advised that I was not interested and I was already approved through XXXX  XXXX and would be proceeding with them. I did ask out of interest, how much the interest rate was at which time I was advised 7.22 % which was the same as XXXX  XXXX, so I again declined. I signed all of my paperwork, and on the financing contract is has XXXX XXXX printed and also the GAP contract has XXXX XXXX printed. Months go by and I am waiting to make my first payment to XXXX XXXX and I received nothing. I then received my statements from NMAC at which point I am confused in how my car was financed through them as I went through XXXX  XXXX, or so I thought. I went ahead and started making payments to NMAC as I was advised at that point there was nothing I could do, the deal was funded already. In XXXX of XXXX, my car was totaled and this situation was again brought to the light. In the process of me acquiring all of my docs to submit to the insurance company, I see that this deal was done fraudently. On my contract that was obtained from NMAC, XXXX XXXX is scratched out, without my initials confiming changes and in handwriting NMAC was written in. I also obtained a copy of my GAP contract which they failed to update with NMAC and it still had XXXX  XXXX information. The deal should never have been funded through NMAC and it shows on the contact where changes were made after my original signatures. I blame both the dealership and NMAC for this.
Product: Debt collection

LVNV Funding, LLC has reported to debit corrector to my parsonal information and fake debt. I received notice from debit correct company ' XXXX XXXX XXXX XXXX ' and XXXX XXXX XXXX XXXX, XXXX ' They tried to correct my money. It's scam! I already had reported those debit correcter to CFPB. Don't harassing me and don't use my personal information never ever.
Product: Debt collection

What Happened : I am disputing fraudulent information that was added to my credit report as a result of identity theft. I am a XXXX XXXX XXXXXXXX XXXX, and certain accounts and debts were incurred without my knowledge or consent while XXXX XXXX XXXX XXXX. The disputed accounts include charges from XXXXXXXX XXXX XXXX XXXX  and a collection from RentDebt Automated Collections ( XXXX ), which is reporting inaccurately. This collection was the result of theft and has been reported to the police. Additionally, various incorrect personal details, such as name, address, and employer information, have been falsely reported. 

I have provided a police report that documents the criminal activity that led to this situation, and I am requesting the immediate removal of the fraudulent accounts, including the RentDebt collection, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Trafficking Victims Protection Act ( TVPA ). 

I have also requested rapid rescoring to ensure my credit report is updated promptly, as well as written confirmation of the removal of these items once the investigation is complete.
Product: Mortgage

I was approved for a hardest hit program in ga Georgia underwater homes my award is XXXX this check was sent to ditech financial in XX/XX/XXXX to be apllied to my principal, it was applied, I am continuing to send in my regular monthly payments which are not being applied and going into a suspense account. their explanation is that the system is not updating due to the large amt from the program, my check from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX has not been applied, even though it shows on my statement that I am not late I am getting collection letters and notices on my front door from them. when I call they say ignore the notices.no one calls me, I am calling every other day for the last month when the collection letters start coming. I am afraid with these people not knowing how to handle these programs that they have accepted and now not knowing how to process my payments I am going to go into foreclosure even though they are saying no I want. does their collection people know this, they cant even transfer you to them or they explain what is going on and not to harass the customer. this is another night mare from XXXX, I am an over age senior and think they may try and take advantage. if someone would communicate I would feel a little better. we are resolving the problem does not help me.. the amunt for the 3 months is XXXX now, they are saying just continue to send your regular amt of XXXX please help me find out why my checks are not posted to the acct and going in to suspense.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

My funds from my XXXX XXXX XXXX was garnished without me being notified of a court date or summons on XX/XX/2020. The company is XXXX XXXX  which went out of business almost three years ago. My bank states it was a legal order which I have no knowledge of and never was notified until I was declined trying to make a purchase with my debit card. I receive government funds which is not directly deposited into my account but is deposited after its received. I tried to explain this to my bank and debt collectors with proof and have not been able to get retrieve my funds back. I am on a fixed income and only get money once a month I am now facing eviction and repossession of my car as I can not pay the amounts due. Approximately about {$400.00} of money was garnish from my account with XXXX XXXX XXXX and I am left with legal order fees and others that automatically is paid through my bank. I have tried to resolve the matter and not getting any response or action. This is not okay especially not being able to defend this action taken against me. The address they have on file for me I have not lived there for years and it was stated that is where I was served which is not the truth. I dont know what to do as of now to retrieve my funds back as I am disable and live on a fixed income.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my Equifax credit report as someone tried to apply for credit card or loan with a financial institution named " XXXX '' on XX/XX/year> using my SSN and other details without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde open end consumer credit plan as late for-Purpose
Product: Credit card

I opened a Secured Credit Card with Wells Fargo in XXXX 2014 with an initial collateral deposit of {$300.00}. I was told, upon review of my positive account history, my account was eligible for graduation to an unsecured card. I used the card for a year, made my payments on time, if not paying in full, never went over my limit, and kept careful watch over the card. I called Wells Fargo and requested a {$100.00} increase to my credit limit, which required another {$100.00} collateral deposit. I used this limit for a while. 
Last year, I called and asked a banker what was keeping my account from graduating into unsecured, and if it is not eligible for graduation I would like to cancel my card. She informed me to " hang tight '' and do not close it yet as I was " very close '' to graduation. She specifically told me that I should be graduated within the " next two months. '' Here I am a year later, still on the secured card from Wells Fargo. They now tell me that there is no way that they can tell when the accounts will graduate, and that I was severely misinformed by the banker who said I would graduate. 
When I first got the card, my credit score had a few blips on it, all of which were taken care of in the first year of having my card. Since then, I have been able to increase my credit score to XXXX with no collections or late payments on my account. They are now telling me that my credit score is something they take into account, and that may be a reason why they are not graduating me. 
I feel that it is unethical, and possibly illegal, to promise me a credit card will be unsecured " in two months, '' if that is not the case. Now, the phone bankers are eager to try to pull a credit report and get themselves a " referral credit '' in trying to open me up a brand new account. I keep refusing this, as I am not wishing to have a hit on my credit report for their referral credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Experian credit report XX/XX/XXXX and noticed 3 fraudulent/unauthorized inquiries XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each reporting agency for a resolution but was not able to achieve one.

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.

Account name and number. 
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 ), 15 U.S.C 1681 section 602 A States I have the right to Privacy.

15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681sXXXX ( A ) ( XXXX ) 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 collection

On a routine credit report, I found a notification that I may have an unpaid balance of {$180.00} based on a bill from XXXX XXXX XXXX. This was my first notification on this matter. I have received no notifications, bills, calls, online notes or any information about this, zero. Also, when I periodically reviewed the XXXX billing website, I found no notification that I owed any unpaid amount to XXXX. I have always paid other bills with XXXX and this was a complete surprise! 

On XX/XX/XXXX, after reviewing my credit report, I contacted the XXXX XXXX XXXX by phone. XXXX would not provide any information regarding the specifics documenting the debt or any confirmation that I was ever notified ( other than XXXX indicating that the debt was based on unspecified XXXX   XXXX  for an unspecified patient, on XX/XX/XXXX ). I also confirmed that XXXX has my correct mailing address and contact information. 

Subsequently, In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), on XX/XX/XXXX, I called the Collection Manager at Progressive Management Systems in XXXX XXXX, CA. They noted that they had not contacted me about the debt but would provide no information or any verification that this debt was owed and the nature of the debt. 



I thereafter, contacted the collection agency by mail, and requested they provide me with a validation of the debt noted above. Please note, I did not provide a refusal to pay, rather I am disputing this claim and requested validation based on 15 USC 1692g Sec. 809 ( b ). 

I still have received no information by any mean from either XXXX or the Progressive.
Product: Credit card or prepaid card

Ever since there were problems with my card family members kids making purchases by accident I can not buy anything any coins or anything on the game
Product: Credit reporting or other personal consumer reports

To Whom this may concern ; My Name is XXXX XXXX and I have been trying to get this item removed from my credit report for some time now because it keep coming back saying that the information is been verified by the source that they got it from and that's not the case.15 U.S. code 1681 a Says that I have a right to privacy, therefore I didn't give anyone permission to take my information and put it in any reporting agency. Also 15 U S code 1681 B2 permissible purpose. Rule 9037 says : Redacted fillings, Unless the court orders otherwise in an electronic or paper filing made with the court that contains an individual 's social security number tax id number date of birth, name of the individual, other than the debtor, known to be and identified as a minor or a financial account number, a party or nonparty the filing may include only : 1 the last four digits of the social security number 2 the date of birth, 3the minors initials, 4. the last four digits of the financial -account number. The information that I have provides shows that the company that the credit agency says that they got the information from has said the the information isn't correct and therefore removed it from there data. Therefore the credit agency should remove the information from their data as well. To me it seems that you guys are sending the information to the credit bureaus letting them know that they have an complaint against them and they come back saying that the information is verified with you doing the research to see are they doing what's correct. You are taking their word when they are wrong and is taking advantage of the consumer. I get it. This is how they make money by getting information on consumers but is not illegal and they should be penalize for doing this. I have done everything to prove that this is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my 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, 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 reporting or other personal consumer reports

Fraudulent account XXXX XXXX XXXX Reported : XXXX XXXX, 2023 - {$690.00} Closed Should not be on my credit it also is showing late payments an it's affecting my credit score That's fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX under 15 USC 1681 is an ELABORATE MECHANISM that ASSUMED its role to report on consumers. EQUIFAX is DEMANDED to exercise their GRAVE DUTIES to report on consumers accordingly to the FCRA with RESPECT and ACCURACY. EQUIFAX has in fact FAILED to EXERCISE THEIR GRAVE DUTIES and are in violation under Federal Law. EQUIFAX has violated 15 USC 1681a ( 1 ) ( 2 ) which states " The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 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 '' EQUIFAX has included such accounts on my consumer report. EQUIFAX is in violation under 15 USC 1681c ( a ) ( 4 ) which states " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' EQUIFAX has included such account in my consumer report. I DEMANDED removal of these accounts and EQUIFAX has instead CONDUCTED A FRAUDULANT REINVESTIGATION and has stated VERIFIED. I DEMAND under definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i EQUIFAX to provide the NAMES & ADDRESSES OF THE PEOPLE THEY PERSONALY INTERVIEWED TO VERIFY THE INFORMATION by XX/XX/23. If EQUIFAX CAN NOT provide this information, they SHALL delete the demanded accounts IMMIDIATELY. This accounts are not in dispute but are a violation under the FCRA. EQUIFAX has committed fraud for conducting a none requested Fraud Reinvestigation. EQUIFAX is liable under 15 USC 1681n and 15 USC 1681o for Federal Law violations.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from JCPenney, asking if I had made a purchase of {$2700.00} from their location XXXX XXXXXXXX, XXXX XXXX, TX. I indicated that I didn't recognize that transaction per their email sent and I also called. They indicated they would be closing that card and I would receive a new card. On XX/XX/XXXX, I received another email for another transaction for {$200.00} from the same location, I followed same steps as above. On XX/XX/XXXX, I received another email for a total of three transactions : XXXX XXXX {$1700.00} ; XXXX  XXXX {$4800.00} and XXXX XXXX {$6900.00}. I called again and let them know that was not and that my credit limit was only {$2400.00} and asked how these transactions continued to go through, they told me that there had been a credit limit increase request and it was approved for {$6900.00}. These charges were on cards that I had even yet to receive in the mail. How can they increase the credit limit without speaking me?? or calling to verify? what controls do they have in place to check to make sure it's the actual customer? I've made multiple calls to JCP, they continue to indicate they are working on it but the conversations do not sound promising, I've cried on the phone begged for help because I am now receiving billing statements. I have a statement from XX/XX/XXXX indicating I owe, {$6100.00} with a payment due of {$62.00} on XX/XX/XXXX. I am extremely worried and concerned this is going to impact my credit and credit score, with the increase I didn't ask for, I've asked them to close ALL accounts. Please help me resolve as soon as possible. You would be able to see from my credit history with JCPenney, that I don't use my card but maybe once a year during the holidays, and never for those large sums of money.
Product: Checking or savings account

On XX/XX/XXXX until XX/XX/XXXX I was incarcerated and my account was hacked and all my funds was stolen from me chime allowed it once I was released and I tried to access my account. I noticed that my account Password was changed. I contacted trying to get help regaining access to my account and was told that I had to provide proof of my ID before they allow me in my account once I provided the proof of ID I was able to access my account when I noticed that my account was not only hacked, but all my funds were stolen. I immediately filed a dispute. I had a hard time filing this dispute. I had to file the dispute over XXXX different times they approve me for some of the charges that was made while I was incarcerated. There was a total of XXXX unauthorized charges I was approved for XXXX of those charges is what I was told, and I was denied the remaining of the charges summing in the amount of {$5000.00}. Im having a hard time understanding. How could they approve me for some of the charges and deny me for the rest, the charges that they approved or charges that was made while I was incarcerated, the remaining of the charges that was made was denied, and those charges was also made while I was incarcerated when I filed a dispute I was asked for a copy of my release paper. I provided a copy of my release paper and then I was also asked for a written statement stating that those charges was unauthorized. I provided that as well as of XX/XX/XXXX Im still being denied for the remaining of those charges. I requested documents to explain why were the charges denied I have yet to receive those documents still to this day. Someone is still able to access my account. I dont know who it is and chime seems to not know who it is as well. Ive changed my password and theyre still allowed to access my account
Product: Debt collection

XXXX contacted my fiancee on his personal cell phone and asked him my whereabouts and contact information because I had a charged off Kohls credit card from 3 years ago. They had no right to share my credit information with him as we are not married and he has no legal right to know about my old chargeoff. They provided him with several pieces of mybpersonal information and I have the ohone records to prove it!