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

new and updated information XXXX has not responded within the 30 day FCRA required time to investigate a bankruptcy showing on my consumer report. XXXX received my papers on XX/XX/2022 ( USPScertified tracking # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
BK OF AMER - XXXX and XX/XX/2018 2018
Product: Vehicle loan or lease

On XX/XX/year> I went to Toyota of XXXX on XXXX XXXX XXXX to purchase a new vehicle. I got to the and had handpick out a Toyota. The dealership did not want to originally sell me the Toyota that I asked for saying that it would cost way too much and raise my loan instead they offered me a Toyota XXXX XXXX that they were pushing to sell on me. I really needed a car with just moving to Texas so I considered the option we had spoke about loan choices with my first sales guy, but then when I got to close the deal with the Finance department the lady took completely advantage of me. She wrote up a whole new contract which was very confusing. She added extra insurance protection on the engine which I knew nothing about until later on the dealership also promised me after XXXX month payments, dont worry you will be able to refinance the vehicle which was a lie. I tried refinancing my vehicle several times but the banks told me that the car value is not worth the amount of the loan and that I would have to pay {$7000.00} to even out the loan straight to the principal, Im really upset because I trusted these people at the dealership and all they did was violate my rights by taking advantage of me, the lady who finalised my deal in the finance department no longer works for Toyota of Dallas because she was fired but when I went to Toyota of Dallas to address the issue, no one would help. They just claim the deal was done and theres nothing they can do. They told me to pay down {$2000.00} down payment that I didnt even see go towards the loan because the lady had added engine protection on there without telling me to eat up my downpayment. This was very wrong and I cant believe these car dealerships keep doing this to people who are struggling.
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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, EMPLOYERS : XXXX XXXX ( NO JOB OF MI ) XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX ADDRESS # XXXX XXXX XXXX XXXX PA. XXXX- THIS IS NOT MY ADRESS ADDRESS # XXXX XXXX XXXX XXXX  XXXX PA XXXX THIS IS NOT MY ADDRESS EMPLOYERS : XXXX XXXX ( NO JOB OF MINE ) EVER has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Previous feedback said couldn't rush removing from credit reports even though approved after approval of fraud.have been dealing with this since XXXX XXXX take long to disburse loans apparently went from XXXX to around XXXX dollars without rechecking credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has multiple hard inquiries reported. There should only be one hard inquiry reported and that is for XX/XX/2017. I did not ask the lender for multiple lines of credit and the lender is in violation of the FCRA. I ask that the lender correct the number of inquiries and remove the other inquiries that do not belong to me.
Product: Checking or savings account

From the dates XXXX through XXXX, multiple ATM withdrawals took place of large amounts. 2 checks were deposited into my account that i did not authorize or deposit, and those checks were then withdrawn through multiple ATMs. A total of {$21000.00} were deposited on XXXX different checks that were not authorized by me Wells Fargo took some of my information and grabbed the account activity, which 2 weeks later they told me the fraud claim was declined. I called them and they then took more personal details ( hair color, height, weight, race, age, facial features, etc ). I just received another decline on the fraud claim after they did their further investigation. Ive never had any account activity like this since ive banked with Wells Fargo over 10 years so this shouldve raised red flags to them, but it did not and now they are penalizing me with owing the money that was withdrawn after the check was deposted.
Product: Student loan

I hold both federal and private student loans with Navient. Since they took over for XXXX XXXX my monthly payments have been consistently applied to the wrong account adding up to multiple late fees and even affecting my credit rating.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services . Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
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 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: Credit reporting or other personal consumer reports

Account is reporting on XXXX PATHFINDER CREDIT SE XXXX XXXX XXXX Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX  XXXX has violated my rights Account # XXXX XXXX XXXX has Violated my rights 15 U.S.C 1681 Section 602 A States I have a 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 items of information other then records of convictions of crimes which antedate the report by more the 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 or other personal consumer reports

just looked at my credit report, I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

This item 1. Account XXXX XXXX  XXXX Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 


2. Acount XXXX XXXX XXXX  Account number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

XXXX did an investigated and removed the inaccurate information from my credit report but you guys still havent removed the inaccurate information from my credit report which seems sketchy you guys are reporting the inaccurate accounts on my reports with different Dates and different status please remove account immediately everything on my credit report should be 100 % accurate. 


Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX15 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 inaccurateXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted Comerica Bank in XXXX, Michigan to discuss an IRS check was that fraudulently cashed at this bank. I requested to speak with the fraud department as someone had forged my signature and cashed this check at a Comerica Bank in XXXX, Michigan. 

Comerica Bank would not talk to me as I did not have an account with them and was very concerned as to how I was able to obtain a copy of this check. The Department of Treasury provided me with a copy of MY check as I am entitled to a copy. 

Please see the attached check. It is very concerning, the way that Comerica stamped this check, upside down and over the endorsement of the person who forged this check. Which hides the name of the person that cashed this check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. SYSTEM, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This complaint is to let you know that a company has pulled up an inquiry on my credit without my permission and it is negatively affecting my credit repor - my score in particular- to the point that it is starting to weigh on me.
Product: Credit card

In 2015 I applied for a Bloomingdale 's American Express Card and used it like 2-3 times. The last time I used it was for the purchase of a train ticket. However, that trip did n't happen so I got a partial refund of the ticket price, leaving around {$30.00} as a balance. Then I left U.S for 3 weeks and forgot about this balance since I did not use this card often ( only when I made a purchase at Bloomingdale 's ). After 4 months I got XXXX calls asking me to pay off and card balance and at that point it was $ XXXX including all late charges. And my card was closed because I missed all the payments. So I paid off the huge amount. However, another 3 months later I got XXXX calls asking me to pay additional $ XXXX late charges. It was just unacceptable! Why would they let me know earlier and why would there be additional charges after my card was closed! The worst thing is, after I negotiated with them ( they were just unfriendly and unhelpful ), I paid another {$42.00} and made sure that would the last payment I make -- it is still unreasonable to me but I 'm super busy, I do n't want to be haunted by them again, not to mention my credit history could be negatively impacted. I thought it was the end. But today, I saw another {$4.00} charge posted to that account -- I mean seriously? What are they trying to do to me!!! This is unbelievable and unacceptable!!! I disposed my card a long time ago because I thought the nightmare ended!!! I never ends!!! Bloomingdale 's American Express card is just HORRIBLE!!!!!!!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX  Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided. 
Account Status : Reported as " Closed '' but details differ across sources.

Credit Limit : Reported inconsistently as {$200.00}.

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly.

TILA 1666b : Failure to provide periodic statements within the required timeframe.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection. 

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any mistaken accounts from my credit report. Could you verify the documents? Some accounts listed have inaccuracies in reporting, with incorrect amounts and dates being mentioned.
Product: Debt collection

After reviewing my credit report on XX/XX/XXXX I identified a discrepancy with account under XXXX XXXX XXXX  and validation was request as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is dispute and therefore a 2nd validation letter was sent out on this day.After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to attend to collect on this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. Account XXXX Credit Solutions Cor. Attached with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. XXXX and XXXX have the account still open. On the invoice it has the check bad in XX/XX/XXXX and it 's been reaged to XX/XX/XXXX. Experian, XXXX, and XXXX have it reaged.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of two hard inquiries from my credit report that I believe were not authorized by me. The details of these inquiries are as follows : XXXX : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Upon reviewing my credit report, I noticed these inquiries listed under the section of hard inquiries. I do not have a relationship with these companies. Furthermore, I do not recognize or recall authorizing these entities to access my credit report, and I believe these inquiries may be errors. According to the Fair Credit Reporting Act, only authorized inquiries should impact my credit history. 

I kindly request that you investigate these entries. I understand that under the FCRA, you are required to process and complete any disputes within 30 days. I appreciate your attention to this matter and look forward to seeing these inquiries removed from my credit report should they be found unauthorized or erroneous. 

Please confirm receipt of this letter and inform me of any additional information or documentation you might require to expedite this process. You can reach me at my email or phone number listed above. Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

JP RECOVERY SERVICES XXXX needs to delete this account from my credit report and stop all contact with me. I demand to see the contract and PROOF OF CLAIM OR TRANSFER TITLE OF OWNERSHIP OF THIS DEBT BE PROVIDED. PLEASE STOP ALL CONTACT WE ME BY PHONE. PLEASE FILL OUT THE ATTACHED CREDITOR DISCLOSURE STATEMENT. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt.I will prefer that we both avoid the pursuit of my rights, under 15 USC Section 1681n and 1681o ; which requires your compliance with the law. Please follow up with a response of accurate information within 15 days. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST
Product: Credit reporting or other personal consumer reports

XXXX XXXX has placed a collection account on my personal credit report for a business account without my written authorization or a court ruling. This action violates 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1692 ( a ) regarding abusive, deceptive, and unfair debt collection practices. Additionally, XXXX XXXX failed to credit the business account after accepting payment in the form of registered securities and negotiable instruments, which breaches their original contract and violates the Securities Exchange Act of 1934. XXXX XXXX states that the business account is closed, yet the business account still remains open and still has a credit line attached to it. XXXX XXXX 's actions violate the following laws : 15 U.S. Code 1666 ( b ) & ( d ) - The company failed to address billing errors properly and engaged in fraudulent billing practices. Billing Error Notices were sent in XX/XX/XXXXXXXX XXXX XXXX  and XX/XX/XXXX, yet the business didnt receive a response. 15 U.S. Code 1692 ( a ) - They have committed abusive, deceptive, and unfair debt collection practices by definition. 15 U.S. Code 1681 ( Fair Credit Reporting Act ) - XXXX XXXX added adverse information to my consumer report without my written consent, violating my right to privacy and fair reporting. They are also in violation of compliance procedures for reporting inaccurate information. On multiple occasions ( XX/XX/XXXXXXXX XXXXXX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX accepted restricted endorsed negotiable instruments, payment vouchers, and registered securities but failed to credit the business account. This violates their role as a Security Transfer Agent under the Securities Exchange Act of 1934. The failure to credit these payments also breaches the Electronic Funds Transfer Act. I request the immediate removal of the XXXX XXXX collection account from my credit report as it is inaccurate and no contract was given. I also request an investigation into their unlawful and deceptive debt collection practices and appropriate penalties. Please find the attached supporting documentation regarding the payments and the dispute notices sent to XXXX XXXX. XXXX v Equifax highlights the importance of providing accurate information by credit bureaus and what happens when a credit bureau fails to abide by applicable laws. Any change in contract made by XXXX XXXX is declined and not accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a business relationship with Investment Retrievers nor have I attempted any business with them but they keep attempting to put hard inquiries on my credit report. They originally placed a hard inquiry on XX/XX/2018 without my permission or knowledge. They attempted another hard inquiry today as an " installment loan inquiry '' and was blocked because I have my credit report frozen. I am not sure why they continue to try to place hard inquiries on my report without a permissible purpose or notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can say that I am being ignored by your agency for not removing items as per my request and as per what I've listed in my FTC report, I do not grant you an authority to report versus me to verified these accounts that I told you incorrect and inaccurate.