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

XXXX  ; Experian and XXXX  are reporting incorrectly a repossession on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a truck from a dealership and within a day, when the vehicle was running, large amounts of smoke was coming out of the tail pipe. I took it to the auto shop and they said that the engine would need to be replaced. The warranty that I purchased only covers half of the expense and my estimated out-of-pocket would be around {$5000.00} to {$6000.00}. I returned the vehicle back to the dealership within the time from for the vehicle to be under the Lemon Law. The dealership assured me that they would fix the vehicle. Shortly thereafter, the dealership told me that they had to trash the vehicle because they couldnt fix it. They offered to sell me another vehicle however, I was not going to purchase another vehicle because the one I did purchase I was assured would be fixed. I returned the vehicle within the time frame allowed. This line item is being coded as repossession and this coding is false. This account also needs to report a {$0.00} balance. This false reporting of a repossession is seriously harming my credit score and this line item needs to be either be removed or coded correctly. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this, but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted equifax, XXXX and XXXX  XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 168 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

After my lease was returned to XXXX XXXX on the return date ( XXXX ), the dealer rep told me everything was taken care of with my lease return and nothing needed to be done. 

XXXX claimed I contacted them to notify the lease was returned in XX/XX/XXXX. 

XXXX claimed to send me settlement letter to my address which I never received- mail was the only contact method claimed that they used, but I received no notifications of this. 

Received notice that my credit score dropped over 100 points and that there was a charge off on my account around XXXX XX/XX/XXXX, I immediately paid this charge that I was just notified of. 

Received a claim response from XXXX with XXXX XXXX which was very thorough but incomplete, when trying to contact her or her team to provide the odometer statement for proof I have been unsuccessful. 

XXXX XXXX is a terrible company to deal with and it has been very frustrating and time consuming.
Product: Debt collection

I do not have any knowledge of this debt, it's not mine. 

I pulled up my credit report and noticed the Collection Agency ( Mountain Run Solutions ) was listed on my credit report with XXXX and XXXX. A certified debt validation letter was mailed to the creditor and they responded with a copy of the agreement and added my name to their letter head, along with the individuals on the contract. I filed a police report XXXX to support my claim that the reported collections account is not mine. Please remove it from my credit report with the bureaus. I mailed a certified letter to the credit bureaus about my scenario and asked them to please delete the account. They responded with " WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''. That is incorrect. This is not not my account. Please see attached police report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written non-written verbal non -verbal per 15 US Code 6802 as of XX/XX/2024 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some accounts since XX/XX/2020 with the credit bureaus, but I have not received any answers from them, I want to know the status of my disp.utes
Product: Credit reporting

I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.
Product: Credit card or prepaid card

After receiving a solicitation for a CapitalOne Venture card I applied and was sent an Adverse Action letter advising me they couldn't approve of my application because : " Based on your credit report from one or more of the agencies on the back of this letter, credit bureau information is missing or unavailable. '' The back of the letter reports that the source is XXXX and that my XXXX XXXX range is a " low of XXXX to a high of XXXX '' and that " Amount owed on revolving accounts is too high ; length of time accounts have been established. '' This is simply not true and CapitalOne has refused to provide what information on the report has caused the adverse action. Here are the facts : XXXX score : XXXX ; Payment History 100 % ; Credit Card Use 5 % ; Derogatory Remarks XXXX ; Credit age XXXX Years ( oldest, XXXX years ( average ; Total Accounts XXXX ; Hard Inquires XXXX ( two of which are the result of the CapitalOne application ). 
In addition I do not carry a balance on my cards ( unless there is a 0 % offer ) and I have a Satisfactory mark on ALL my accounts. It is impossible to discuss this with XXXX ( since I don't know what to dispute_ as my credit report provides no indication of the remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$5700.00} XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$84.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX number : XXXX Dear, XXXX XXXX XXXX Synchrony Bank has written off this account. I do not agree with you about having to pay any amount. According to the FDCPA, XXXX XXXX XXXX or any other debt collector has to have consent to communicate with me which you do not have. Any communication after this will be considered harassment. 
Under Section 809 ( b ) of the FDCPA, you are required to provide me with the following information before pursuing any further collection activities : Verification of the debt, including the name of the original creditor and detailed documentation of the amount owed. 
Proof that you are legally authorized to collect this debt. 
Until the requested verification is provided, I request that you cease all collection efforts and refrain from reporting this debt to any credit reporting agencies, as inaccurate or unverifiable reporting violates the Fair Credit Reporting Act ( FCRA ). 
Additionally, I demand that you refrain from contacting me except to provide the requested validation or to confirm that you will cease collection efforts. 
Please be advised that this letter serves as my formal notice under the FDCPA to protect my rights as a consumer. I expect your response within 30 days from the date you receive this letter. 
Thank you for your immediate attention to this matter. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to dispute the incorrect items online, the system says I have to do it over the phone. I continue to call and get bounced around and placed on hold. Right now I have been on hold for over 32 minutes and just want to dispute the errors on my report. The reps take my information, then say I need to transfer to a specialist and I end up back on hold. This is frustrating and unfair. I am interested in purchasing a home and cant get them to even take a valid dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there reported as negative.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card

My discover card statement was automatically deducted from XXXX checking, in the amount of {$380.00}. I downloaded the statement and when i calculated the numbers i came to a different amount of {$350.00}. 
these are the amounts from statement. 
XXXX {$37.00} XXXX XXXX {$10.00} XXXX gas XXXX XXXX XXXX this is a credit to acct. I returned merchandise. 
XXXX {$8.00} XXXX gas XXXX {$290.00} XXXX tires XXXX {$380.00} direct pay full balance. 
If you want I can e-mail the.
Product: Credit card

ATTN : Consumer financial Protection Bureau ( CFPB ) Subject : TD Bank refuses to abide by their solicitation agreement Narrative : 1. ) XX/XX/XXXX -- TD Bank solicited me ( by e-mail - see attached exhibit # 1 ) offering a {$200.00} cash back reward if I were to spend {$500.00} or greater within 90 days of receiving their credit card. 
2. ) XX/XX/XXXX TD Bank confirmed approval ( by e-mail see attached exhibit # 2 ). 
3. ) XX/XX/XXXX TD Bank confirmed my scheduling payment of {$600.00} for CC card reducing my balance to {$0.00} ( exhibit # 3 ) & completed my requirement of spending {$500.00} or greater in a 90 billing cycle.

4. ) XX/XX/XXXX I called TD Ban

k CS & inquired about the {$200.00} Reward. They confirmed I have met the terms necessary BUT that it may take 60 to 90 days additional to received confirmation of my {$200.00} Reward. 5. ) XX/XX/XXXX Contacted TD Bank CS & inquired about the {$200.00} Reward. The CS contact confirmed I have met all necessary requirements & was puzzled why the {$200.00} was not accredited to my account to date. CS Rep. asked me to remain on hold so they could speak with their supervisors. I waited about 15 minutes for her return. The CS Rep. ( apologetically ) informed me her Supervisor stated Customer would not be eligible for the {$200.00} because I had taken advantage of prior solicitations from TD Bank recently. I requested they repeat to me the statement ( listed above ) so there was no confusion on my part. They confirmed. I requested they escalate they indicated they would not.

6. ) I e-mailed TD Bank CS ( XX/XX/XXXX ) for written confirmation of their position. Confirmation received ( XX/XX/XXXX ). ( exhibit # 4 ) Complaint : TD made specific offer with specific rewards. They underwrote my completed forms & approved my application without any stipulations or revisions ( i.e.you have taken advantage of prior solicitation from TD Bank ). I believe it is not TDs contractual prerogative to revise their offer without informing me prior.

Resolution Requested : I expect TD to accredit my account with agreed {$200.00} Reward Anxiously awaiting CFPBs response, XXXX XXXX Attachments Exhibit # 1, Exhibit # 2, Exhibit # 3, exhibit # 4-A & B
Product: Credit reporting

Equifax has been manually updating reports making them inaccurate, these Tradelines now reflect as not being paid - and closed. This is a trending issue, and as such -- I do not agree to resolving this dispute outside of this portal. These defects in the record are the result of EQ making changes, and not the source. 

ALL of these accounts are CLOSED and PAID, and at some point stored the correct designation. They were updated and innacurate. I DO NOT agree to have these positive Tradelines, deleted because EQ manipulated the data, it must fix it. 

The following CLOSED Tradelines - have a " N/A '' Activity Designator, and should not. 

Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. XXXX XXXX is the only one reporting correctly. 

Credit LimitXXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to XXXX XXXX XXXX, on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, to validate the information that is being reported on my credit report. The information that is reporting on my credit report is inaccurate, I have attempt to reach out to XXXX XXXX XXXX, with the addresses provided on my credit report, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, and XXXX XXXX XXXX XXXX, FL XXXX. Given that XXXX XXXX XXXX provided a false address, I demand an immediate removal from my credit report.
Product: Student loan

I am on an income based repayment plan with Navient and it was up for renewal in XX/XX/XXXX. On at least two occasions prior, I contacted Navient concerning this upcoming renewal and was told, as earlier as XX/XX/XXXX or XX/XX/XXXX, that I had to call in XX/XX/XXXX each time. At one point, I was given instructions and a payment that later proved to be incorrect to the point that I could have violated a law following them. I called in XX/XX/XXXX to renew the plan and was chewed out by the representative for not calling sooner. I sent the required paperwork via fax in XX/XX/XXXX to renew the plan. I go on today and see the payment is not income based and they claim that I never sent the paperwork in. Navient believes they can abuse and play games with customers because they have laws that guarantee that customers are forced to pay them no matter what. I am at my wit 's end with Navient and the fact I can not get consistent answers or solutions to whatever I need done concerning my loans. I want to pay them off, but I need the income based plans and I am sick of playing games with them and this " one hand not knowing what the other does ''.
Product: Vehicle loan or lease

The vehicle in question, a XXXX XXXX XXXX, was turned into XXXX XXXX ( XXXX, NH ) on XXXX XX/XX/XXXX. We replaced this vehicle with a XXXX XXXX XXXX, leased from XXXX XXXX. It was our understanding that our responsibility for the XXXX XXXX XXXX ended on that date, and we canceled the insurance, and of course made no more payments. In looking at our credit report we see Hyundai claiming we made the XXXX and XX/XX/XXXX payments WE DID NOT. Suddenly in XXXX, XXXX  reports we are 30 days past due, not only that, but that we owe {$760.00}! We NEVER received written correspondence from Hyundai Finance, and they certainly had our correct address because we are paying a NEW lease with them for the XXXX XXXX XXXX, The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time up through XXXX, when the XXXX XXXX XXXX was returned to XXXX XXXX. I have contacted Hyundai Financing and they said a supervisor would contact me ... never happened. My credit score has dropped from XXXX to XXXX!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Consumer faxed to the debt collector a letter requesting it to validate any alleged debt that it is reporting to an Experian consumer report. It has not responded. 

I am in receipt of a current report dated XX/XX/XXXX in which XXXX XXXX is still reporting. I have not been contacted by this debt collector regarding this erroneous account prior to this debt collector reporting it to my consumer report. 

Is XXXX XXXX in violation of the FCRA? Since the reporting of this negative and invalidated item, I have been denied credit access.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> 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: Money transfer, virtual currency, or money service

My account has been opened for roughly 4 months. 4. Thats it. I heard how you guys handle other customers accounts so I stayed cautious and decided not to keep my money in the account. Any time I received cash i transferred it out in case something like this happens. You can go through every single transaction and see any time I receive cash, from my mother btw, I would cash it out. Every single transaction, with the exception of some minor purchases. Or on the rare occasion I use the app to send money to friends. And today I received notification that my account was closed. No explanation, nothin. I contacted customer service and even they couldnt tell me whats up, and had to transfer me to an another team, who I have to wait a month to hear from. You guys cant have this app that is used for convenience and not have great customer service, because we then have issues like this, where your customers XXXX XXXX XXXX XXXX XXXX dont even care. I am not the first this has happened too either, there are thousands of others who get their accounts closed, albeit some actually did break the rules, but a good chunk use the app correctly. If you guys can continue to brush urgent matters like this involving your customers to the side I dont see any reason people should continue to use your app. My account was closed, for absolutely no reason. Not a single rule was broken, Im so positive in that regard I would go through every XXXX transaction myself and show you. People, be very very careful dealing with cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, have violated my rights. 

15 USC 1681 Section 602A, states I have the right to privacy.

15 USC 1681 604A Section 2, 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 do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXXXXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX XXXX, XXXX Payment Status Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization XXXX XXXX XXXX XXXX MORE DETAILS Discover Bank ( Revolving ) More Details XXXX XXXX Experian Closed XXXX XXXX XXXX, XXXX Open Date XXXX, XXXX XXXX, XXXX Last Activity XXXX, XXXX Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card Responsibility Individual Account Individual Company Name XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTPhone ( XXXX ) XXXX
Product: Checking or savings account

I filed taxes with Chime Bank for a tax refund bank in XXXX of XXXX  for a total of {$390.00} that shouldve been deposited to my account months ago and I still havent received my deposit or any direct answer. Have contacted the bank multiple times and all they tell me is that I have to be patient and that they dont know when I will receive it.