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

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

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  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 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 reporting or other personal consumer reports

It is my understanding that FCRA XXXX obligates us to remove any inaccurate accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

as you may know I encountered identity theft before and it seems that many inquries has begun to start appearing on my credit report such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..there is also a car loan from XXXX XXXX XXXX that ... 

there are also incorrect spelling of my name neither one of them is how you spell my name My XXXX card is also report that I was late on a payment which I was not im confused to whats going on I have a identity lock on my social but they still let people run my credit without my consent ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of a debt from my credit report in accordance with consumer protection laws. The complaint I filed under reference number # XXXX has taken more than 30 days to be resolved, which I believe entitles me to have the debt removed from my credit report. 

As you may be aware, the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate and respond to disputes within 30 days of receiving them. In my case, I filed a complaint with your agency more than 30 days ago and have not received a response or resolution to my complaint. 

I understand that the CPFB has the authority to enforce the FCRA and ensure that consumer reporting agencies comply with its provisions. I am therefore requesting that you take action to have the debt removed from my credit report, as I believe that the creditor has not provided sufficient evidence to justify its inclusion. 

I appreciate your attention to this matter and look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company is XXXX and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.
Product: Vehicle loan or lease

I applied for an auto loan a few years ago and was informed that I had a car loan with Credit Acceptance. After investigating, I realized that it was my sister 's loan. She stated that she listed me as a reference and no a co-applicant. I have disputed it with the credit bureaus and through the Federal Trade Commission but still have not resolved the issue. I received a copy of the installment contract and signatures were submitted electronically. I have not paid on this loan and it is currently under my sister 's bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I returned a XXXX XXXX XXXX at the end of the three-year lease. 

XX/XX/XXXX, the XXXX  Dept. of Motor Vehicles sent a Notice of Delinquent Renewal and a fine because XXXX failed to notify DMV that they took possession of the car. I cleared that up with DMV. 

XX/XX/XXXX, my credit monitoring service notified me of a Delinquent Account due to Hyundai, and my credit score went from XXXX to XXXX. 

Hyundai said I owed a {$400.00} disposition fee and {$65.00} for excessive wear, a total of {$460.00}, and that bills were mailed to me. I said I did not receive any mail from Hyundai. I check my secure mailbox daily and the XXXX said there were no reports of mail theft at my address. 

Hyundai said they called me but did not leave messages as per the law. As per the XXXX Police Dept. Financial Crime Section, that law applies to telemarketers ; Hyundai and I had a business relationship and they should have left messages. 

Hyundai said they don't send notices via e-mail. I reminded them I paid my bill and had other electronic transactions with them. 

XXXX XXXX, XXXX I received a bill from them and mailed a check to Hyundai. 

XXXX XXXX, XXXX as per my bank Hyundai transacted my check. 

XXXX XXXX, XXXX my credit monitoring service notified me that Hyundai made the XXXX XXXX XXXX, and my credit score went from XXXX to XXXX. 
I sent several letters to Hyundai asking that my credit be repaired. 

XXXX XXXX, XXXX I received a letter saying Hyundai Motor Finance record reflects that on XX/XX/XXXX we received a final payment in the amount of {$460.00} on ( this account ). At this time your account status is paid in full and closed. 

I filed complaints with the Federal Trade Commission and the XXXX  Dept. of Business oversight because Hyundai Finance is located here, but those efforts hardly improved my credit score. 

In XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX for Conflict Resolution. Last week they finally got a response from Hyundai that the company does not have my records and to challenge my score with the credit agencies. 

To this day, Hyundai continues to send me maintenance reminders and sales notices related to the leased car I returned.
Product: Money transfer, virtual currency, or money service

I was charged a 5 % fee for funds that were held but not dispensed to me in my paypal account. The funds were " placed on hold '' for over 2 weeks, but withdrawn from my account and I was still charged a fee. I never had access to the funds.
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. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( OPENED XX/XX/21 ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX FINANCE Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 reporting, credit repair services, or other personal consumer reports

SINCE XXXX, XXXX XXXX INCORRECTLY REPORTING AN A DEBT AND INACCURATE OPENED DATE OF XXXX 2019 AND UPDATED AGAIN ON XXXX XXXX. 

I HAVE DISPUTED THIS DEBT AND ASKED FOR VALIDATIONS OF THIS UNKNOWN ENTRY WITH THE RETURN REPLY '' BECAUSE THEY SAY SO ''! 

THIS ABOVE AGENCY HAS REPEATEDLY HARASSED MY CREDIT REPORT IN SOME CASES CHANGING THEIR NAME TO CONTINUOUSLY REPORT THIS IRRONIOUS CHARGE, DELIBERATELY DAMAGING MY CREDIT SCORE. 

THIS NEEDS TO STOP IMMEDIATELY WITHOUT FURTHER DELAY!
Product: Debt collection

This company is reporting inaccurate information on my credit report. 
I have contacted them by mail twice with no response after 30 days Source Receivables Management XXXX XXXX XXXX North Carolina XXXX
Product: Money transfer, virtual currency, or money service

I received an email notification from PayPal on XX/XX/XXXX that my credit card had been removed from my account profile and a new phone number added. I immediately notified PayPal that I did not make those changes and the account has apparently been hacked. Since I've never ever used this service and have no credit or revenue associated with it, I requested to close the account effective immediately ( I did however change my password ). PayPal advised me to leave the account open for future use since it doesn't cost me any money to do so. I again told them that I wish to close the account. Turns out they won't let me close the account without sending them a photo ID, my home address and my social security number. Since this information was not required to establish my account, I am not comfortable sending sensitive personal information to execute this request. I even gave them the full name and contact info of the fraudster who hacked the account, and PayPal even began corresponding with him. This puts me at great risk each day they refuse to allow me to close this account, and I'm looking for a way to resolve this situation. I've attached my email correspondence with them since XX/XX/XXXX, my comments appear in blue. Thank you.
Product: Debt collection

I had to have lab work completed in XX/XX/XXXX, the company requesting payment XXXX XXXX XXXX XXXX XXXX Maine, I had to file XXXX complaints with their patient relations department regarding these charges. Twice the day I had the lab work drawn as they could not figure out how to enter my insurance information into their computer system and I provided them with a copy of the card, the registration rep still could not enter it and made me self pay. I had to call patient relations to get it resolved. Never heard anything again. I then get a bill from them in XXXX of XXXX prompting a call and they are telling me its not self pay charges its what I owe for not meeting my deductible. I never got an EOB, I never got an invoice until 14 months later, I called did not get it resolved and reported to patient relations again. I called Paragon review once I got the collections notice as I was never given any answers from Innovative Health who assured me a callback from a supervisor in XX/XX/XXXX. I told this information to Paragon that I am disputing. This falls under the No Surprise Act. I was never given any opportunity to make payments, never provided a EOB and would pay charges that were mine but I am not paying for " surprise charges '' especially when I did due diligence to rectify this before it got to collections. This is Innovative Health Error and they are responsible for the charges. I take my credit very serious and I pay my bills, that is why I am taking all necessary steps to fix this even though I tried several times before this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried adding my wife to my XXXX XXXX bank account and it was denied. we were told that we would receive a letter in the mail explaining why she was denied. Instead we received a letter from the bank that said to contact early warning systems. we contacted them on XX/XX/XXXX, and we were told it would take 15 days. I understand when the law was passed it took time but with the advent of computers, internet, and email the time frame to send out the reports should be reduced to XXXX to XXXX business days. Additionally, the banks should have to directly provide the information in a letter instead of saying to contact the third party company.
Product: Mortgage

I received documentation from NationStar Mortgage, dated XXXX XXXX, 2015, however, the package that was sent to me with the XXXX/XXXX/15 date was NOT delivered to me by XXXX until XXXX/XXXX/15. Ironically, the information sent to me by Nationastar was also requesting that I have the information signed and notarized and returned to them by XXXX/XXXX/15, the exact same day it was delivered to me. There was also information in the package indicating I requested a Recast/Amoritization loan and I have no knowledge of this request or the understanding of this loan program. I was approved for a Principal Reduction through the Keep Your Home California Program ( KYHC ) for a principal reduction and they paid {$51000.00} to Nationstar on XXXX XXXX, 2015. I contacted Nationstar about a week or so after the payment was made on XXXX XXXX, to ask them the status of my Principal Reduction. I was told information was being sent out. My concern is the same thing happened to me when this company purchased my loan from XXXX XXXX XXXX, they indicated I was sent information on XXXX day, however, it was never received or when it was received it was NOT in a timely manner or on which the date the letter was address and when they said they sent it. I am NOT refusing the Program approved for me by the XXXX, I am asking Nationstar to first resend the information using the correct date and time frame it is being sent, NOT TWO WEEKS after dating the letter. I also asked where was the monies applied that was received by the XXXX on behalf of me because in the documentation it indicated where about {$40000.00} was applied but not the remaining balance of the {$51000.00}. I also asked them to explain how is this HFA agency related to this loan, the party they are describing that helped in their documentation and finally, please explain to me what is the Recast/Amoritization Program, because I would be signing something that I have NO knowledge of what I would be signing, how it affects my loan and what if any are the advantages or disadvantages of this program and what will my interest rate be? Will my interest rate remain at the 2 % that they indicated in the documentation and is the same as my previous loan modification? Because, although the 2 % was indicated in the documentation that it would remain the same 2 %, in the documentation they also gave me a lowered loan payment, on what my new loan payment would decrease to, but I did n't get an exact amount because it stated that this amount does NOT include insurance and taxes. I am willing to give Nationstar time to respond to my letter sent to them on XXXX XXXX, 2015 and I did make a call this morning to Nationstar and spoke with a XXXX about my concerns and she did send an email to the department handling the loan and said she is waiting on a response from that department and would get back to me.
Product: Credit card

For the past several months, I've asked CitiBank to remove fraudulent charges from my MasterCard, amounting to {$280.00}. 

Finally on XX/XX/2024, having spoken with Citi Security Investigation, It was agreed that these phony charges would be eliminated on my next billing statement. However, this did not happen. Trying to contact the individual with whom I previously spoke, the phone number which I had could not be used external to CitiBank. 

CitiBank never responds to my written complaints.
Product: Credit reporting or other personal consumer reports

XXXX I mailed my Full File Disclosure Request US Mail, on XXXX I submitted a request on their website and I still have not received anything from them. 

FULL FILE DISCLOSURE REQUEST PURSUANT TO 15 US CODE 1681g ( a ) ( 1 ) XXXX XXXX c/o XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XX/XX/2023 Sent via US Mail Credit Technologies , Inc . 
XXXX XXXX XXXX XXXX XXXX, MI XXXX To Whom it May Concern : I am writing to request that you send me EVERYTHING in my consumer file at CREDIT TECHNOLOGIES , INC. and any of CREDIT TECHNOLOGIES , INC.s subsidiaries and stored by any of its subsidiaries or any other entities maintaining data on behalf of CREDIT TECHNOLOGIES, INC. and its subsidiaries as of the date that you receive this notice regardless of the location it stored and how ; pursuant to 15 UC Code 1681g ( a ) ( 1 ). Please black out the first five ( 5 ) digits of my social security account number in all correspondence you send me to safeguard my privacy. 

I am requesting the following additional items be sent to me in the same package : Pursuant to 15 UCS 1681g ( a ) ( 2 ), all sources of information in my consumer file at CREDIT TECHNOLOGIES , INC. and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( A ), the identification of each person/company that procured a consumer report with my information from CREDIT TECHNOLOGIES , INC. and any of its subsidiaries. 
Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( B ), the name, trader name, address, telephone number, email of each person identified under 15 USC 1681g ( a ) ( 3 ) ( A ).

Pursuant to 15 UCS 1681g ( a ) ( 4 ), the dates, original payees, and amounts of any checks in my consumer file at CREDIT TECHNOLOGIES , INC. and any of its subsidiaries used to adversely characterize me.

Pursuant to 15 UCS 1681g ( a ) ( 5 ), a record of all inquiries received by CREDIT TECHNOLOGIES , INC. and any of its subsidiaries in the past one ( 1 ) year preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for my full file disclosure to include all obsolete and archived information on me as permitted by the Fair Credit Reporting Act. This is my first full file disclosure report request for this calendar year from CREDIT TECHNOLOGIES , INC. and any of its subsidiaries. I am NOT requesting a copy of my credit report.

I trust that you will take this matter seriously and resolve it in a fair and expedient manner, but not later than 15 days from receipt of this request. I look forward to your immediate action and a prompt resolution. 

I am freezing any account you have opened in my name, please add a fraud alert and I am opting out per 15 USC 6802. You or any of your affiliates do not have my permission to disclosure, share or report anything about me or any account. 

Sincerely, XXXX XXXX Enclosed please find a copy of my drivers license, SSN card, and my utility bill for the purpose of verifying my identity and nothing more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint number XXXX and XXXX was not addressed. Experian did not address the complaints that I submitted to CPFB. Experian need to address the issues! I have sent Experian numerous documentation I have sent CFPB numerous documentation and Experian refuse to correct the errors on my credit report. I have sent my passport and my utility bill through certified mail. Experian is lying stating they never received the information to avoid fixing the problem. I have had enough of the cat and mouse game with Experian and the premade letters that they keep sending me. I have reached out to legal representation regarding these issues. The Ohio Attorney General will be contacted along with all the disputes I have sent through CFPB and the certified mailings that I have sent via USPS. This is utterly ridiculous! I take my credit seriously and this is becoming a nuisance. This need to be fixed immediately!
Product: Debt collection

Incorrect billing at doctor 's office in XXXX. Called office and they realized/admitted mistake over the phone ( attempting to charge for two XXXX when I only had one ). I thought it was cleared up until I started getting collections notices from AR Resources for another {$1300.00}. This is when it began to snowball, fueled primarily by AR Resources illegally re-aging my account. What's worse, at some point, they created a duplicate charge on a different date, so it looks like two charges for {$1300.00} ( currently using dates in XXXX to keep the account active ). Billing errors are bad enough -- I never owed this money to begin with -- I should not have to deal with blatant fraud from disreputable collections agencies like AR Resources. While I can not find the original bills or letter, I was able to find a letter from XXXX, proving the accounts have been illegally re-aged. AR Resources is known for their illegal collections activities. This copy-pasted from a law-firm that deals with them frequently : " As of XX/XX/XXXX, the XXXX has closed 125 complaints against AR Resources in the past 3 years, with 42 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 11 complaints also cited problems with customer service. Since XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has closed 184 complaints involving ARR. Justia lists at least 6 cases of civil litigation involving ARR. ''
Product: Vehicle loan or lease

For several years during the period between XXXX through XXXX Santander Consumer USA Inc. made auto loans it knew low-income and subprime borrowers could not pay. Santander violated consumer protection laws by locking subprime borrowers into loans it knew, in some cases, carried default rates of greater than 70 %, according to a statement from California Attorney General XXXX XXXX. California was joined in the suit by the top lawyers of 32 other states and the District of Columbia. Santander reached a {$550.00} XXXX dollar agreement to settle charges. The lender is set to pay consumers {$65.00} XXXX in restitution. The bulk of the settlement- {$470.00} XXXX comes in the form of loan forgiveness.I have submitted requests to all credit reporting agencies and the company to have this matter removed. to date no changes have been made.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea why its there. I check my report regularly, and this time, out of nowhere, I saw errors that shouldnt be there. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This is completely unacceptable, and I demand that my submitted documents be reviewed immediately so I dont have to deal with this nightmare anymore.