23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Claim XXXX XXXX XXXX A distressing series of events, an i have become a victim of both EDD card theft and identity fraud, plunging them into a prolonged period of hardship. While Im playing on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but The situation unfolded when an unknown perpetrator gained access to my personal information, including my EDD card details. Armed with this sensitive data, around XXXX of XXXX the perpetrator embarked on a spree of fraudulent activities, leaving the unsuspecting me grappling with not only financial difficulties but also mounting medical bills. As i face the overwhelming burden of family expenses alongside of my own, weight of isolation an intensifies. 
The aftermath of having my EDD card and identity stolen has taken a severe toll on the me, fostering feelings of vulnerability, isolation, and helplessness. The months-long struggle to resolve the issue has worn me down, and the mounting pressure of unpaid medical bills further exacerbates the emotional and financial strain. The constant battle to rectify the situation can often lead to moments of despair and thoughts of giving up. However, it is crucial to remember that there is hope and assistance available to overcome these hardships. 
Recovering from stolen identity and financial hardship requires perseverance and a proactive approach. I took immediate action by reporting the theft to the relevant authorities, such as the EDD and law enforcement agencies an Bank of America. Simultaneously, reaching out to financial institutions, including banks and credit card companies, is vital to alert them of the fraudulent activities and mitigate further damage. As I am Seeking professional guidance, such as credit counseling services or legal assistance, can help navigate the complexities of identity theft recovery, providing a much-needed lifeline during this challenging period. Please find it in your heart to do everything you can as I am a god fearing man an i hope you are as well
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported my account late. My credit history was perfect with them as I am on an auto pay for my time share. They stated that the card declined. This is impossible as I shared with them my bank balance on the dates they supposedly ran the card. They can not tell me why it " declined '' as their accounting software seems to be antiquated from that perspective. I spent countless hours on the phone with them and got literally nowhere. I had no notification from my bank that they even tried to charge the card and if they did charge it and it " declined '', it couldn't have as I have overdraft protection on that account and card. 
I called on XX/XX/XXXX, no resolution after XXXX hours on the phone as their phone lines kept disconnecting. 
I submitted a dispute thru Experian on XX/XX/XXXX and XXXX XXXX responded within hours stating they were correct. I disputed again on XX/XX/XXXX with backup showing my bank balance at that time and they denied it again. I don't believe they even reviewed it. I have no late payments on my credit report and this has negatively affected my credit score through no fault of my own.
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. 

Grant & Weber : 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 an account without my written instructions.

15 U.S.C 168c. ( 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

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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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: Vehicle loan or lease

My name is XXXX XXXX my account # with Hyandai financial is # XXXX Hyandai fiance violated SCRA I have on several occasions called Hyundai financial to ask for assistance. I have unfortunately been a victim of identity theft. This effected my ability to pay for my bills. I tried to coordinate with hyandai financial so I could utilize my identity theft insurance. This would have covered my car payments. Unfortunately this never happened. When a customer is late your system automatically directs them collection department. I was never asked to send over my Court order and or police report. Even when I asked for a fax number so I could send the documents over. The collection department does not provide customer service. When I requested help I was repeatedly asked for my card number to pay the bill. Due to the identity theft unfortunately a lean/ Writ was placed on my checking accounts. The lean/writ were recently removed from my accounts on XX/XX/2022 due to my court order. This was the reason we had issues with paying the bill. Hyandai financial wronggully repossessed my car while we are also covered by SCRA. Hyandai did not obtain a court order to obtain my vehicle. The town truck company came on my mothers private property to repossess the car. have provided my husband 's the orders below. He's been XXXX due to COVID-19. He's also XXXX, although our SCRA coverage is active 90 days before active status and 180 days afterwards. Please contact me at ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I gave proof of my identity when I sent A COPY OF my IDENTIFICATION CARD AND SOCIAL SECURITY CARD. Also I gave the notice, reason, and proof of why this account is reporting illegally on my consumer credit report. Red River Credit is willfully not deleting this account from my consumer credit report. I did not give red river credit the permissible purpose to furnish account # XXXX on my XXXX consumer credit report. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports anything furnished on my consumer report HAS to have my written instruction to do so. They did not provide me with the document that proves I gave them written instruction. 
15 U.S. Code 1681b - Permissible purposes of consumer reports. 
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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> CarMax Auto Finance XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Communication Dear CarMax Auto Finance , I am writing to formally request that you cease and desist all communication with me. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me regarding any accounts or debts. 

Please be advised that I do not wish to receive any form of communication from you, including, emails, letters sent to my home address, or any updates reflected on my XXXX credit report. 

This request is made to ensure that you are in compliance with the FDCPA, and I expect no further communication from your organization. Any continued contact will be documented and may result in further action. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX and again in XX/XX/XXXX I requested both Equifax and XXXX remove XXXX XXXX XXXX XXXX from my consumer report. As a federally protected consumer these agencies have a duty to report complete and accurate information. Despite it clearly stating in the data reported by XXXX XXXX XXXX XXXX, I opened the account in XXXX nothing was reported until XXXX when because of the pandemic I was unable to make the XXXX payment. Although I had not ever had a late payment until that time. XXXX had never reported the positive payments from XXXX only the negative ones. The total debt was almost XXXX, I was forced to do a warranty in lieu of deed for just under XXXX in XXXX. I contacted the company to seek relief before falling behind and found No assistance was offered even tho people could not even travel or use timeshares at that time. My only option was the Warranty in Lieu of deed. I did strongly state that this should not be reporters to my credit report now especially in light that it was never reported before. I then contacted the reporting agencies to remove the inaccurate information once I saw it was in fact reported and they refused to do so. This is my personal information and I have a federally protected right that it be reported accurately. Under 15 USC 1681 pure accuracy is what is expected in consumer reports and the reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. Further there is a need to insure that consumer reporting agencies excerise their grave responsibilities with fairness, impartiality, and a respect to the consumers right to privacy. It is clear from my 2 attempts to have these entries removed that these agencies have not done what they are supposed to be doing. It is the purposes of this subsection to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is FAIR and EQUITABLE to the CONSUMER, with regard to the confidentially, ACCURACY, relevancy and proper utilization of such information in accordance with this subsection. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX violated this subsection and has done so thru the consumer reporting credit agencies Equifax and XXXX. Violating 15USC1681 as well as 15USC1681b the privacy Act of XXXX and 16 CFR 433.2 as they have both twice now dismissed my complaint, a clear violation of the above referenced federal consumer protections. In addition I reported to both agencies that XXXX, another consumer credit reporting agency does NOT have this information anywhere on my consumer report. Under 15 USC 6802 I the consumer choose to opt out of this account to be reflected be anywhere on any of my consumer report files. The XXXX report should be identical and currently they are NOT.
Product: Credit reporting or other personal consumer reports

please update my information to include the correct address and details to my file. Thank You
Product: Debt collection

I was never billed for services. I disputed the debt through credit karma. That lead me to contact the collector. They suggested I reach out to my insurance. XXXX XXXX they were never billed for services, to contact the dr office directly. Tried to contact by phone, would not connect. Went there directly, and they moved to hazard. Got the new number and called. They informed me the dr started completely fresh and had ZERO patience records. Can not find a single location or bill stating I owe anything. Contacted the collections again. They said that they mailed me 1 letter that was returned and robo called me roughly every 2 weeks to try to collect the debt. I keep very extensive records. XXXX sends me a copy of every piece of mail that gets sent to my addess. There was no mail sent to my address for the day they sent the letter or 7 days afterwards. I was told at this point it is past the date to dispute and a dispute now does nothing. My options were to pay it or let it sit on my credit for 7 years.
Product: Debt collection

XXXX XXXX with Chaplain Financial Services claimed I owe money to XXXX from a loan in 2012. I have never heard of this company or this debt. This company is threatening to garnish my wages and said they 've invalidated my Texas Drivers License privileges. Last week is the first time I 've been contacted by this company. They 're unable/unwilling to provide additional details on this supposed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been battling with XXXX and Equifax about negative information being reported about my student loan accounts. One with XXXX XXXXXXXX XXXX and the other with US Dept of Education. Student loans were in default Last XXXX, since then loans have been rehabilitated in XXXX, they were then Consolidated. The intention with the rehabilitation was that it would pull loans out of default after 10 payments and then all the negative information reported would be removed and loans refinanced showing a positive account on all credit reports. This has not happened, I have been calling 2 times a month since XXXX speaking with US dept of education as well as fedloans, not to mention 7 disputes with Equifax and 5 with XXXX. Dept of Ed loans still show a balance with collection status and fedloans keep reporting past due on all reports. I have also been working with XXXXXXXX XXXX on this and they have not had any luck as somehow the dept keeps getting validated even with the proper documentation. I have attached documentation below to show this, I would not be so persistent but this negative information is preventing me from being able to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

For one I have already sent this complaint but the credit bureaus assumed that it was a third party who sent it. It is not. I am XXXX XXXX. No one is speaking on my behalf and there is no 3rd party. The credit bureau is using this as a stall tactic to not complete my investigation. Here we are again well over 30 days and they still have not removed the fraudulent accounts from my credit report or completed an investigation. To my knowledge and 611 ( a ) they only have 30 days. If it takes longer than 30 days they must delete the accounts from my credit reports. I have researched the laws. I am at the point of going to litigation because this is becoming super stressful for me. I am also a victim of the XXXX  data breach and my information couldve gotten in the hands of anybody.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025- CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint serves as a follow-up to my previous complaint, in which I requested the Credit Reporting Agencies to investigate and remove the accounts resulting from fraudulent activities. On XX/XX/2023, I sent dispute letters to each of the Credit Reporting Agencies, providing copies of my personal identifying documents and the FTC report I received from the Federal Trade Commission, which documented the fraudulent accounts on my Credit Reports. I hereby request the Credit Bureaus to conduct a thorough investigation of the following accounts and promptly remove them from my Credit File in accordance with the Fair Credit Reporting Act Section XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XX/XX/2023 XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. I want to emphasize that these accounts were not created by me, nor did I authorize anyone on my behalf to do so. They are undoubtedly fraudulent and must be expeditiously removed from my Credit File. As an added precaution, I have attached the letters I sent on XX/XX/2023, as I am concerned they might not have been received by the Credit Bureaus. This complaint serves as assurance that the Credit Bureaus will indeed receive the letters.
Product: Vehicle loan or lease

I am someone that has some XXXX and have still been trying to work with Toyota Financial services. I have a loan with Toyota Financial Services. I am trying to work to find out why they forced me to change our first Loan agreement. They changed the interest of the loan. They refused to give me a chance to speak with someone before forcing me to sign a new loan agreement, under threat of taking the car back Immediately and loosing the money that had been paid into the loan. 
I made three payments in one month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX they put all three to Interest. I did this to try and pay the loan amount fast, but it went up and they kept the extra payments .My payment on the second contract that was supposed to be XXXX I paid XXXX on XX/XX/XXXX they took all of over payment for interest and loan went up again I asked if their was a penalty for early pay out and was told there is not. 
They talk me into paying Extension fees in Advance on XX/XX/XXXX. I paid XXXX last year for three extension in advance XXXX each I was told I might need them if I could not make a payment for any reason and did not want to pay a penalty charge. 
I have paid over XXXXand the loan went up from XXXX last year to XXXX this year. 
I made a call to Toyota Financial Company and let them know they were being recorded In XXXX of XXXX on call I was told that something was wrong, It does not work like that that cant be the amount I owe. They need to talk to a Supervisor, that there could be no way it was going up like this. When he got back on the line he demanded I stop the recording and Erase it or he would end the call .He refused to send a Break down of what went to Interest and what went to the loan and how the extra payment were Applied. He said that he did not have to send me a copy of loan payment history or how it was applied. I only have copy of loan being paid and staying the same. 
They raised the Amount of the loan agreement with out me agreeing to it, and said I had to pay the new amount .I told them that not legal or is it binding to change a loan agreement its a violation of a contract. But I was told they could change the agreement at any time, and did.
Product: Vehicle loan or lease

GM Financial was paid in full in XX/XX/2018. I have called, disputed it with the credit reporting agencies, ( XX/XX/2018 ) that the loan is paid in full but still shows open on my credit report. When I called GM ( XX/XX/XXXX & XXXX ) they states that they didn't do updates bcuz they were switching over to a new system which is unacceptable to me. It has affected my credit. When the credit reporting agency contacted them they told them it will be corrected but it's been months and it's still not reported correctly. I called XXXX again ( XX/XX/XXXX ) today & they are still giving the same story. I was also told in XXXX, I will get a Paid If Full letter, it was not generated so I requested it again today. I'm trying to get a mortgage & having 2 open car loans when I only have one is a issue. It's showing my debt higher than what it actually is. Please help. Consumers should not be penalized for XXXX XXXX issues