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 las 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me

under the 15 USC 1692C 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 report ... agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency n. make any consumer report containing any of the following items of information Any other adverse item of information, other than records 0124 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: Debt collection

A single individual claiming to call from Sallie Mae repeatedly calls me and asks to speak to either my father or my brother. I tell them that they live in a different state and to please stop calling me. This same person again called me today at XXXX.
Product: Credit card or prepaid card

The credit bureaus needs to fix this issue about the inaccurate information for the inquiry. 
CREDCO being reported on my account The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone. The inquiry was pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to the Credit Bureaus and to the company for them to investigate. Failure to comply with the request should be an automatic removal of the disputed inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX
Product: Vehicle loan or lease

This dispute is for the credit reporting for the end of the loan on a XXXX XXXX XXXX. I traded the vehicle in on XX/XX/XXXX. The car dealership XXXX XXXX resold the vehicle to a new owner XXXX weeks later. I took possession of the new vehicle the day the mustang was traded in on XX/XX/XXXX. Due to the Car dealership taking so long to process the financing paperwork one of the banks backed out of financing and they had to secure additional financing. That was finally completed the third week in XXXX. After it was secured after their delay and by no fault of my own. Payoffs were sent for the trades to the lenders despite the vehicle being resold to a new owner more than a month before they sent payoff. Santander then proceeded to report a 30 day late payment despite payments going through weekly prior to that. I was in contact with Santander the whole time explaining the situation and I was advised that they will hold the account and provided information for the dealership and tracking for the payoff. I reached out to Santander consumer services after they reported a 30 day late to my credit report and was advised by a really rude rep that Santander didn't care what happened. That is terrible considering everything going on with the pandemic and in the world that Santander would be such a predatory lender. This was not my fault and I feel like I should no be penalized for this.
Product: Payday loan

I ca n't stop Bill collectors for harassing me. Or making have conical problems
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffered from identity theft after the XXXX  credit breach. My XXXX  XXXX credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.
Product: Credit card

The crux of my issue was NOT addressed by American Express in my previous complaint ( case number XXXX ). The response stated that the 6-8 week hold on my XXXX Membership Rewards points is in line with the terms and conditions presented at the time of application. However, as I said in my first complaint, the terms and conditions state, and I quote, " points WILL BE CREDITED to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement '' ( all caps emphasis mine ). However, the points have ALREADY BEEN CREDITED to my account. Therefore, the 6-8 week limit does not apply in my situation. They are listed as " AVAILABLE '' on my account and I continually get emails and pop-up notifications from the AmEx website with reminders that I have these points and that I should use them. If they are not " available '' they should not be listed as such. That is very deceptive on AmEx 's part and was not addressed in the response. 
The response also does not explain why ALL of my points have been frozen. In addition to the XXXX sign-up bonus from the Amex Platinum I signed up for on XXXX/XXXX/16, I had over XXXX points that I had earned from my Premier Rewards Gold card which I held prior to signing up for the XXXX XXXX ( see attachment showing the breakdown of my earning ). However, I am also not able to use those points. I tried transferring XXXX XXXX points for XXXX XXXX XXXX XXXX and I received the same error page as I have received when trying to transfer larger amounts. This is also deceiving because my points earned from my Gold card are also listed as " AVAILABLE '' on my account landing page. I am not notified that I ca n't use ANY of my points until I get to the last step of the transfer process, which I presume to be an attempt to hide from the customer that this freeze has happened. From a company who supposedly prides itself on customer service, there is certainly not a lot of clarity from this company and I 've received only canned responses that clearly show my first complaint was not read properly.
Product: Credit reporting or other personal consumer reports

Wells Fargo violated LAW 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a finan

cial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is illegal to report informTION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please
REMOVE THE LATES FROM ALL THREE CREDIT REPORTS IMMEDIATELY. Thank you!
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXXXXXX {$5000.00} XXXX XXXX XXXX {$510.00} 15 U.S.C, 1681section 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 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

Certified mail/return receipt has been sent as of XX/XX/2021 to Equifax. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, Equifax is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). Equifax has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, EQUIFAX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to EQUIFAX, this is not a third party and I have sent EQUIFAX all documents required by law.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; 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 or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  XXXX 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
10 604 - 15 U.S.C. 1681b ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit trans action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or
Product: Credit reporting, credit repair services, or other personal consumer reports

Found out that my mortgage company, Specialized Loan Services ( SLS ), has yet to file my on time payments with XXXX credit Bureau. I have been calling them for over 3 weeks each day to see about a resolution and they have yet to resolve issue as I have spoken to credit bureau who verified no resolution has occurred after they have reached out to creditor. I have spoken to serval customer service agents along with supervisors and nothing is rectified to this date XX/XX/XXXX.

Also asked for mortgage note on home and loan company could not produce. I was then sent one from XX/XX/XXXX which is not the same as my current mortgage note. Three weeks later and still no correction to credit report nor my current mortgage note
Product: Credit reporting or other personal consumer reports

Again raising concern that Westcreek XXXX XXXX has never provided debt validation nor rights to dispute. Understand that westcreek is a XXXX party creditor however, I still have right to fcra and in order to validate, information is needed. 

Westcreeks generic response and delay in providing necessary documentation is causing undo financial and emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute again this account of I C SYSTEM. I have sent multiple letters, but they have not fixed their issues. The reported dates are wrong, and the date opened are wrong.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were madewithout my consent. According to section 604 of fair credit credit reporting to section ( 15 U.S.C 168 1B ), There are specpecific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. 

PLEASE DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

**PLEASE REVIEW ATTACHED DOCUMENTS** This complaint is in regards to my student loans that are managed by XXXX They manage 13 of my XXXX and XXXX XXXX XXXX loans. I could not locate the loan numbers for each loan, but have included a picture of the loans listed in my XXXX account. At the beginning of XX/XX/2022, XXXX falsely reported that my student loans payments were 90 days late. This dropped my highest credit score XXXX points and devastated my credit that I have been diligently building for the past several years. When I called XXXX to inquire about why they had reported my payments late without notifying me first that they were due, I was told that my loans were put into deferment and reporting as current. I called XXXX on 3 different occasions about this matter and each representative told me the same thing. They assured me that my credit report would update and show the correct information. My report did eventually update to show that my loans are current ; however, I still have the negative marks of being late 90 days on 13 accounts! This has tanked my score and I am unsure why XXXX would have done such a thing without at least notifying me first. I know that I am federally protected against billing errors made by companies. I am also covered by the law that mandates information that is reported on my credit report must be accurate. XXXX failed to uphold both of these laws. They did not adequately notify me that some of my loan payments had resumed nor did they inform me that they would be reporting them as late. I have never been late in the 20 years that I have had student loans. This issue has severely disturbed me and has negatively impacted my life for the past 7 months. Each primary credit reporting agency, Equifiax, XXXX, and XXXX are also complicit in XXXX illegal practices, because I have informed them that this false information should not be on my report. Please assist me with resolving this problem. Thank you.
Product: Prepaid card

I contacted XXXX XXXX XXXX XXXX  about my ending balance and also requested transcripts I recieved transcripts of the last transactions I used in XXXX of XXXX  which was last purchase I used on card XXXX currently going through a board of appeals hearing with unemployment and got copies of pay outs I notified XXXX XXXX XXXX customer service and they said they'll issue me a replacement card and send trans script after looking over the history on card I had remaining balance XXXX on expired card which I havent had in my possession since XX/XX/year> after I got evicted and stuff put on XXXX XXXX XXXXXXXX XXXX I also spoke with three different agents since then and I'm being told my balance is XXXX and that's is not correct I reached out to them to get this situation rectified they said it was unauthorized charges on card which I know nothing of I only received benefits 3 months and I'm missing funds I just received new card with no balance on card
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX {$570.00} XXXX   XXXX {$1000.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX / {$8900.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i was trying to buy a commercial property, and i realized that i had some damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. Damages on my credit report is a defamation of my character.
Product: Debt collection

Arivo Acceptance, sent emails stating that the vehicle wasn't going to effect my credit score or report due to unwrongfully charging me an unknown amount of money. I told them to come get the vehicle within 30 days of having the vehicle. They scammed me and this is unfair to me. They stated this would not effect the doings on my credit report.
Product: Mortgage

I am incredibly frustrated with Nationstar Mortgage. Nationstar purchased our loan from  XXXX   XXXX  and there has been nothing but issues ever since. I did not have an escrow account for property taxes, however, they paid our property taxes, in error, and now they are adding this error to our monthly mortgage payment. I have spent countless hours on the phone with them trying to get this resolved, and no one seems to be able to help me. I have tried to clear our escrow account but was told to wait until I was contacted, which I never was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exter Finance LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute To whom this may concern, I am disputing this account with account number XXXX. This debt is listed on my credit report as written off, profit loss, and charged off. Due to this account being listed as written off, profit loss, and a charge off I am due a 1099-C form.Instead your company filed it with the IRS and never gave me my form however your company SOLD my account to XXXX XXXX XXXX This debt was written off for the amount of {$15000.00} when it was written off. The IRS states that i am supposed to receive a 1099-C form when the debt is canceled for more than {$600.00}. I will be sending a copy of this dispute letter to the IRS as well. Please remove and delete off all reporting credit bureaus. 

Due to the FCRA all information being furnished should be 100 % accurate especially if its coming from the same furnisher. 
This is grounds for removal. 
This has caused damage to my credit report. 
Under the-15 U.S.C 1681-2 1 ( a ) ( b2 ) According to-15 U.S.C 1681n ( a ) ( 1 ) I have been disputing with Exeter Finance LLC for years regarding this account XXXX This account had many inacquices causing my credit to be damage. The account was Charged off and Written off in the month of XX/XX/XXXX. Exeter Finance sold my account to XXXX XXXX XXXX without my consent. I found this information out by contacting Exeter Finance to make a Payment. I wasn't aware of what happen because I was never notified Both Exeter Finance And XXXX XXXX was both reporting on my credit at the same time for the same debt. When I asked Exeter Finance to remove themselves from my reporting they informed me that they couldn't and it didn't go against the Law. However that was inaccurate. I Showed Exeter Finance that the debt was paid in full they told me that it is not in their authority to delete the credit reporting that the credit bureaus are responsible for the removal. 

I contacted the IRS in XX/XX/XXXX because I was informed that when Exeter Finance written off the Debt I was suppose to receive a 1099 form to file it on my taxes as taxable income. I never received the 1099 form. Exeter Finance has acted as if they don't know what I am talking about. I sent many letters to them and have proof of my reporting that they written the full amount off and failed to send me my 1099 form. instead of giving me the chance to file it on my taxes they sold it to another company making me pay more money out as well as damaging my credit. Exeter Finance doesn't want to hold themselves responsible for the damages they caused.

Codes of Law 15.U.S.C 1681 ( e ) 15 U.S.C 1681-2 1 ( a ) ( b2 ) 15 U.S.C 1681n ( a ) ( 1 ) 15 U.S.C 1692e 15 U.S.C 1692f 15 U.S.C 1692h
Product: Credit card or prepaid card

My husband has a credit of {$480.00} on his Discover Card. He has requested his money several times by phone and email but they refuse to send him a check.