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 confidentiality under 15 USC 1681. Account name : Dept of Ed/ XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting or other personal consumer reports

Fact, the truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX ( 13 different accounts ), and US DEPT of ED/XXXX  violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX & XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. Fact, the truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX DEPT OF EDXXXX ( 13 different accounts ), and US DEPT of EDXXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX & XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX  ( 13 different accounts ), and US DEPT of ED/XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all violations. Fact, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DEPT OF EDXXXX ( 13 different accounts ), and US DEPT of XXXX XXXX has published an account XXXX have of mine on Experian, XXXX & XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all violations. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX ( 13 different accounts ), and US DEPT of ED/XXXX  XXXX show their violations. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX ( 13 different accounts ), and US DEPT of EDXXXX has published an account they have of mine on Experian, XXXX & XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all violations.
Product: Credit card

I had a very XXXX XXXX on XX/XX/2019 and I was in a XXXX for XXXX  months, during this time someone used my Home Depot credit card. I realized it when I saw HD taking {$350.00} every month, I had an automatic payment setup for all my credit cards. I made a police report requested by HD and I sent it to the Fraud XXXX. I sent a statement and description of the situation, they promised they will take care of it and that I shouldn't worry about it. Today XXXX XXXX the amount increased from almost {$4000.00} to almost {$12000.00} I spoke to at least XXXX people from HD and/or CITIBANK and every time I have to repeat the story. They reported it to the credit borough and gave my information to many collection agencies. I am desperate, I don't know what else to do. I know they have the power to do whatever they want like kipp ignoring my request and hurting my credit, but now I have the hope that someone in your department can go to the end of this problem and finalize it. 
Thank you so very much in advance for your time and consideration in this matter, XXXX
Product: Credit card

I applied last year to many institutions to get a new credit card but was refused because I have too much debt. This is not fair I have over 5 hard inquires that were negligently created.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My credit score has been severely negatively impacted from Ford Credit reporting 30 days past late on my payment history for my XXXX XXXX  XXXXI have a XXXX XXXX  XXXX, as well as a XXXX Ford XXXX with Ford Credit and at the end of XX/XX/XXXX I requested a payment extension for both vehicles therefore my XX/XX/XXXX payment was not due. When i log into the new account manager.ford. com website I see that the payment extension is only showing for my XXXX XXXX  XXXX and not my XXXX XXXX  XXXX  even though i requested the extension for both vehicles.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit history report from ( CREDIT BUREAU NAME ). That Report contained incorrect information reported by you. 

I contacted the Experian to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : amount owe, date opened/closed, late payments, and so on. 

Account name XXXX  XXXX XXXX Account number XXXX .... 

XXXX  XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please immediately remove these information from my credit file. 

Please confirm with me within 20 days that you have contacted the credit bureaus to correct this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXXL 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. Please be advised this is my THIRD 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 Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.
Product: Mortgage

XXXX XXXX obtained a loan by using XXXX XXXX XXXX XXXX. to secure it. Her account w/Nationstar Mrtg acct is set up so that it collects additional funds and it sends payment to the Tax Collector. Said property was placed in a Trust and that is when an error occurred in the classification by the Tax Collector that caused a higher tax amount to be due. Nationstar began to bill for the higher amount. I wrote Nationstar and provided proof of the error and acknowledgment by the Tax Collector that the error is being fixed and advised Nationstar that the mortgage payment, which includes the regular amount for the property taxes will continue to be paid but that we will not pay the extra tax amount and that we will deal directly with the Tax Collector. In addition, I requested information about the insurance that Nationstart is paying and asked if Nationstar placed the insurance on the account because I want a different insurance company and it never responded to that either. Nationstar ignored our letter and never responded it to. Mr. Copper Mortgage  bought out Nationstar and continue to bill the higher amount. Nationstar nor Mr. Copper have responded to the first letter wherein a request was made that they correct their records and stop threatening to start foreclosure. They did not. Mr. Copper sent a letter providing a point of contact but it did not address the letter. We faxed the letter along w/anew letter to Mr. Cooper. Again, it failed to address any of our concerns. But it did begin to harass us. It began to collect a debt that it did not have the right to collect. I also continues to send out delinquent statements. The latest communication from Mr. Cooper was a threat to start foreclose if the total amount " due '' was not paid by XX/XX/17. Since Mr. Cooper has not corrected the account and has set a due date to start foreclosure, we paid most of the money they demanded be paid. It is now in their account earning interest. We do not owe the amount to the Tax Collector. In fact, I received an email confirming that the error has been corrected. More than 4 written communications have been made to no avail. Why does Nationstar/Mr. Cooper think it can threaten to start or start foreclosure for unpaid taxes? ( That are n't even due! ) I believe they are doing to this to many people.
Product: Checking or savings account

It started out with bank of america calling authorized transactions fraud. Now bank of america if blocking merchants instead of doing it on my account..I try random merchant an my purchase went through with info I kept using ever since I opened the account. XXXX XXXX keeps tampering all accounts phones banks credit since XXXX
Product: Credit card

I received a letter dated XX/XX/year>, notifying me that my account had been permanently closed. The letter alleges that I " misrepresented the details on one or more of [ my ] disputes. '' However, Citi 's decision appears to be mistaken and inconsistent. I have submitted multiple disputes with identical information each time, and Citi previously accepted several of them as valid, issuing permanent credits to my account. Its contradictory for Citi to approve disputes based on these details while simultaneously claiming they were incorrect. Additionally, Citi has refused to release the remaining cashback points on my card at the time of its closure.
Product: Vehicle loan or lease

I took out an auto loan in XX/XX/2020with Nicholas Financial, acct # XXXX XXXX XXXX phone # XXXX XXXX XXXX. Since the origination of this loan my payment dates and application of my payments have been incorrect. In the beginninng, they told me my payment was due on theXX/XX/XXXX. Now its on the XX/XX/XXXX. Moving along, they are now telling me that they will reposess the car if they dont receive 2 full payments by XX/XX/XXXX as Im 90 days late. Wrong. First of all, in the attached documentation from Nicholas, it says that my next payment due date is XX/XX/XXXX. That being said, I wont be 90 days late until XX/XX/XXXX. 

Regardless, pleae review all of the attached documentation and you will see that they are not giving me credit for my payments forcing me into delinquency which is affecting my credit report.
Product: Checking or savings account

My US bank account was compromised and someone accessed my account and did a XXXX Transfer for the amount of {$390.00}. I called the bank and raised this issue ; however bank has denied the claim. The bank replied to my claim and the claim mentioned " Upon receiving your request for assistance, we conducted a subsequent review of your denied fraud claim and confirmed our decision to deny your claim is accurate. A review of the transaction showed your log-in information was used and there were no signs of account takeover. This item posted as requested using the information provided at the time the transaction was made. 
Although your claim was denied, as part of our standard process, we sent a request to recover the funds from the receiving financial institution. Please know, the receiving institution is not obligated to return these funds or respond to our request. '' The above statement which says there we no signs of account takeover is completely wrong and I request bank to share the evidence by sharing the IP address and location from where my account was logged in. I have my evidence to share my location and also provide evidence that I didn't login and nor my account information was shared.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX XXXX XXXX XXXX  if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED WITH EXPERIAN ABOUT A ACCOUNT THAT I NEVER HAD WITH A BANK CALLED XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX CLAIMING IT WAS OPENED IN XX/XX/XXXX FOR A AUTO LOAN.. THEY SENT ME A COLLECTION NOTICE SAYING IT WAS IN COLLECTION FOR A VEHICLE VIN # XXXX ... ( I ENCLOSED A COPY OF THE COLLECTION LETTER AND IT STATES THE VIN # ALSO AS PROOF ) I NEVER OWNED OR PURCHASED A VEHICLE WITH THIS VIN # ... BACK IN XX/XX/XXXX I PURCHASED A VEHICLE WITH THE VIN # XXXX FINANCED IT THROUGH CREDIT ACCEPTANCE. I SUPPLIED ALL DOCUMENTS OF THE VEHICLE I PURCHASED WITH PURCHASE AGRREEMENT, FINANCE PAPERWORK THROUGH CREDIT EXCEPTANCE, THE VEHICLE WARRANTY, A COPY OF THE NEW YORK STATE TEMPORARY CERTIFICATE OF REGISTRATION, A COPY OF THE WINDOW STICKER AND TWO DOCUMENTS FROM XXXX OF RECALLS ON THIS VEHICLE ALL SHOWING THE VIN # OF THE VEHICLE I PURCHASED.. I TRADED THE VEHICLE IN XX/XX/XXXX ON A VEHICLE XXXX XXXX XXXX XXXX FINANCED THROUGH XXXX XXXX WHICH IS IN GOOD STANDING ON MY CREDIT REPORT.. PLEASE DELETE THIS FROM MY CREDIT REPORT.. THANK YOU XXXX XXXX
Product: Debt collection

I checked XXXX XXXX, had a new account open with Jefferson Capital Sy Opened XX/XX/2020. The account is for XXXX XXXX, which I do not have. 
I called XXXX, the representative said someone with the last name XXXX is using my social security number. I do Not know anyone by that last name.
Product: Credit card

A XXXX refrigerator was ordered from XXXX on XXXX/XXXX/2015 with the assistance of a Sears representative. The refrigerator was delivered on XXXX/XXXX/2015 and placed in service by the Sears delivery team. The refrigerator is unable to maintain the temperature that is required to prevent spoilage of foods and I have had to discard several food items because of this deficiency. I have requested XXXX to remove the refrigerator from my home but Sears has refused despite the fact that the refrigerator has a one year XXXX Appliance Warranty on it.
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 XXXXtransunion has me at a score around XXXX. 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN IN CONTACT SEVERAL TIMES WITH FMCC CONCERNING A FRAUD ACCOUNT THEY ARE REPORT ON MY CREDIT FILE, THEY HAVE KNOWLEDGE AND ENOUGH IS ENOUGH NOW, THEY KEEP SAYING I WAS THERE IN PERSON SIGNING MY NAME ON CONTRACTS TO PURCHASE A XXXX XXXX XXXX  I WAS OUT OF THE COUNTRY AND IT STATES THAT ON THE POLICE REPORT VERIFIED BY HOMELAND SECURITY THROUGH XXXX XXXX SO HOW COULD I BEEN OUT OF THE COUNTRY AND BE IN XXXXXXXX XXXX  BUYING A TRUCK. GET REAL, ITS JUST MAKING THE COUNTER CLAIM AGAINST XXXX STRONGER FOR LEGAL ACTIONS. ALL THEY KEEP SAYING LOOK YOU SIGNED THE CONTRACTS BY NOT SHOWING ME UNDER GA LAWS A RECORDING OF VIDEO ME SIGNING A CONTRACT. IN GA TO ABLE TO HAVE A FINANCING AT A DEALERSHIP THEY MUST HAVE CAMERAS IN THE CEILING RECORDING THE AGREEMENT CONTRACTS. XXXX DOESN'T AND HAS SENT ME SEVERAL LETTER FROM THERE LEGAL TEAM SAYING THEY CANCELLED THE DEAL ONCE THEY FOUND OUT IT WAS A FRAUD APP AND THEY EVEN SAID THEY SENT THE SAME LETTER TO XXXX XXXX. XXXX STILL IS TRYING TO REPORT A FRAUD ACCOUNT AND FRAUD ADDRESS ON MY CREDIT FILE TO DO FINANCIAL RUINS ON MY CREDIT FILE. I HAVE TALKED TO XXXX SEVERAL TIMES AND CLEARLY SHE HAS HER MIND MADE UP AND IS THROWING XXXX  UNDER THE BUS FOR LEGAL RECOURSE. I HAVE FILED LAWSUIT IN XXXX XXXX XXXX NC AND MY ATTORNEY IS XXXX XXXX AND XXXX FILED SUIT AGAINST XXXX XXXX AND FORD MOTOR CREDIT COMPANY FOR XXXX AND SEEKING XXXX FOR FRAUD WITH KNOWLEDGE. THERE ARE SEVERL SUBPOENAS OUT NOW FOR XXXX AND SEVERAL OTHERS WITH FORD MOTOR CREDIT COMPANY TO BE IN COURT IN XXXX XXXX XXXX ON XX/XX/2024 TO STATE AND TURN OVER ALL RECORDS, I CONFIRMED WITH LAW ENFORCEMENT TODAY THEY HAVEN'T SERVED HER OR THE OTHERS YET BUT NOW THERE GOING TO THE HEADQUARTERS TO SERVE THEM TO BE IN COURT. I HAVE SENT THE ID DEPARTMENT WERE I DISPUTED THE XXXX INQUIRES BEFORE THE PAPERWORK WAS SIGNED WARNING FMCC NOT TO GIVE THE LOAN. I EVEN CALLED, THEN I CONTACTED PREMIER RECOVERY WHO PICKED THE TRUCKS UP AND THEY STATED THEY REMEMBER THIS DEAL VERY WELL. THEY STATED THEY GOT A HARMLESS WITHOUT A COPY OF THE TITLE SAYING GO GET THIS TRUCK AND TAKE IT STRAIGHT BACK TO XXXX XXXX TONIGHT AND YOU'LL MEET A MAN NAMED XXXX XXXX IS THE ACTING XXXX AND HE'LL PAID YOU DIRECTLY, THEY XXXX AT XXXX XXXX SAID IT WAS A FRAUD APP DEAL AND IT NEEDS TO BE HUSH AND NO ONE NEEDS TO KNOW. THEN I PULLED XXXX ON THE VIN OF THAT XXXX THAT THEY SAID I PURCHASED AND IT SAYING XXXX OWNER AND PURCHASED XXXX, SO IF I WOULD HAVE BOUGHT IT WOULDNT IT SAY XXXX OWNER AND REPO ON XXXX. THEN I REACH OUT TO THE OWNER WHO BOUGHT IT FROM XXXX AND EVEN FINANCED IT WITH XXXX A LOW INTEREST RATE FOR BEING NEW AND BEING A XXXX XXXX, XXXX HAS BEEN SUBPOENA TO COURT HAS WELL, WHEN ALL THIS GOES DOWN XXXX IS GOING TO FIRED OR HER SUPERVISORS BECAUSE IS GOING TO BE POINTING FINGERS AT HER SAYING WHY DIDN'T YOU FIX THIS. LOOK ON POLICE REPORT WERE IT SAYING VERIFIED XXXX XXXX XXXX WAS OUT OF THE COUNTRY. DON'T BELIEVE IT DO IT YOURSELF WITH XXXX XXXX XXXX XXXX. THEN YOU'LL KNOW FOR YOURSELF I WASN'T EVEN IN THE XXXX. SEE YOU IN COURT XXXX
Product: Student loan

i have a XXXX XXXX XXXX XXXX student loan. I just took a break from school going through financial hardship XX/XX/2016 credit report of a XXXX day missed payment for student loan debt hit my credit score. i attempted to call to see if this was true i was really unaware at the time and have speak about having this removed and lower monthly payments.
Product: Debt collection

I am not liable and should not be held liable in any form for this debt with XXXX XXXXXXXX XXXX XXXXXXXX I do not have a contract with LVNV FUNDING LLC. They did not provide me with the original contract as I have requested from them.