23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( e ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC XXXX they are suppose to 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

XXXX cell phone bill I was a victim of Experian data breach and information sold on Dark Web.
Product: Debt collection

I was part of the XXXX company breach and someone use my personal information to get multiple credit cards and get approved rental apartments units
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The website has the car price at XXXX. I get to the dealer and now the car is XXXX. No explanation. The website states that there was no accidents but on the passenger side front was damaged but painted over. The main problem is the option charges that I was signed up for and was never explained nor given the option to decline. Now they want me to pay XXXX a month, when I traded in my old XXXX where on the contract says it was sold for XXXX. I have been trying to contact finance of the dealer but he is either sick or not in. Buyers beware! 
Don't leave until you get everything explained. Save you a lot of time and money. Watch out for OPTIONAL gap contract. Windshield protection, both XXXX, service contract XXXX, I am going with XXXX for this, much cheaper. Also an XXXX fee for XXXX and you can do it for XXXX with labor
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

The economy is bad but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense frustration and stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these 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/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one just put a past due collection of {$330.00} on my credit score. I have not had an account with capital one in over 3 years. I have not even tried to apply for one due to having 2 already in collections.. This {$330.00} account which came to be 4 months ago is not me. Not mine. And is 100 % wrong/faud. And it needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/XXXX {$390.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX PA  XXXX Cred Opened XX/XX/XXXX {$4600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Cred Opened XX/XX/XXXX {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations took off and put back on without notifying me They have the police report and ftc all filed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The amount is {$1500.00} This company XXXX  I have no knowledge of this, never had their services, and I also informed the company of this mishap and for it to be removed immediately. I have reached out multiple times, also this company sold my information to a collections agency I C System which is illegal to do. They are continuing to attack my credit and call me on a daily. They have been harassing me on a everyday basis, it also dropped my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Experian reported that this document the company have is certified and accurate and when I called to request that document of verification I was told they don't have that document and I would need to contact the courts lol okay well the Federal Courts don't share information with credit bureaus or third parties that would be violation of privacy. Experian has not disclose this source of information if this Document can't be disclosed then Experian need to delete or provide the Certified Federal Court document that Company verified this accuracy. Please keep in mind this is a public record which I did not sign or give any permission to place on my credit report to do so without my consent this is Identity theft and fraud Under FCRA 609. Disclosures to consumers [ 15 U.S.C.

1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Federal Privacy Act of 1974 - 5 U.S. Code section 552a. 


Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX .... 

Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

This not a Credit Repairs Service or Invincible Service either I'm tired of the stalling games I understand my rights as a Consumer and know my rights and the law. If Experian Continues to stall and gives excuses I will proceed with legal action and If you think this a Credit Service Company! again try me and you'll see I'm no Credit Repair business. 

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

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my XXXX XXXX XXXX XXXX have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving these consumer reporting agencies the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION.These fraudulent accounts consists of a Auto loan account opoened : XX/XX/XXXX, under account XXXX, Action Collection account Opened XX/XX/XXXX Account Number XXXX, Late Payment From Account XXXX XXXX XXXX  XX/XX/XXXX. I Have XXXX name : XXXX XXXX I Demand all other names be removed from my consumer report, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

Subject : Formal Complaint Against Credit Acceptance Corporation and XXXX XXXX for Unfair Lending Practices and Predatory Sales Tactics Dear CFPB Representative, I am filing a formal complaint against Credit Acceptance Corporation and XXXX XXXX in XXXX, Alabama, regarding the unfair and predatory lending practices that I was subjected to during the purchase of a 2022 Used XXXX XXXX on XX/XX/year>. My experience, as detailed below, highlights serious concerns about the business practices employed by these entities, which I believe are in direct violation of consumer protection laws. 

XXXX. Unfair Lending Practices and Hidden Costs : During the sales process, XXXX XXXX, in collaboration with Credit Acceptance Corporation, pushed me into a high-cost loan with an Annual Percentage Rate ( APR ) XXXX  % that far exceeds state usury caps. I was not adequately informed of the true cost of the loan, including hidden interest rates and surreptitiously added products. The contract included add-on products and services, such as a service contract with XXXX XXXX XXXX XXXX XXXX which I did not request, authorize, or fully understand at the time of signing. 

XXXX. Manipulation of Loan Terms Through Complicated Algorithms : It has come to my attention that Credit Acceptance employs sophisticated algorithms to determine how much it can collect from borrowers like me, leading to the offering of loans that are structured to yield high profits for the company, regardless of the borrower 's ability to repay. This approach results in predatory loans that trap buyers in unfavorable financial situations. I believe this was the case with my loan, as the terms and interest rates were significantly worse than what was verbally assured during the sales negotiation. 

XXXX. Predatory Sales Tactics : The sales representatives at XXXX XXXX engaged in deceptive practices by pushing me into a loan that I could not reasonably afford, given my financial situation at the time. I was promised favorable loan terms that were not honored in the final contract. Additionally, I was not given a full and transparent explanation of the loan terms, which led to confusion and a lack of informed consent on my part. 
XXXX. Violation of Consumer Protection Laws : The practices described above constitute violations of federal and state consumer protection laws. I believe that Credit Acceptance Corporation and XXXX XXXX have knowingly engaged in unfair, deceptive, and abusive practices to trap consumers like me into high-cost loans with hidden fees and unfavorable terms. 
Resolution Sought : I request that the CFPB conduct a thorough investigation into the practices of Credit Acceptance Corporation and XXXX XXXX. I also seek the following remedies :.
Product: Credit card or prepaid card

Payment in the amount of {$900.00} made to Wyndham Rewards business card on the XX/XX/XXXX, I think the website migration has messed up everything. It's been a week and the available credit still does not reflect the payment amount. Tried calling but the customer service has no clue about the situation.
Product: Credit reporting or other personal consumer reports

I WAS IN THE PROCESS OF BUYING A HOUSE. SO I ALLOWED XXXX XXXX XXXX TO RUN MY CREDIT. THE FIRST TIME THEY RAN IT. I HAD A LATE PAYMENT ON MY MORTGAGE ACCOUNT WITH XXXX XXXX XXXX XXXX AND MY XXXX XXXX XXXX CREDIT ACCOUNT. I DISPUTED THAT AND ASKED THEM TO REMOVE IT. NOTHING HAPPEN. THEY SENT A UPDATED WITH CUSTOMER DISAGREES, XXXX XXXXXXXX HAD TO RUN MY CREDIT AGAIN BECAUSE I HADNT FOUND A HOUSE FAST ENOUGH AND I WANTED TO SEE IF I CAN GET A BETTER INTEREST RATE. THIS TIME ONE EVERY ACCOUNT. IT HAD A REMARK THAT STATES THAT COMPLETED INVESTIGATION OF FCRA DISPUTE -CONSUMER DISAGREES. ON EVERY ACCOUNT ON MY REPORTS. I HAVE NOT DISPUTED ANYTHING BECAUSE I KNEW IT WOULD STOP MY BUYING PROCESS. THE LENDER CALLED AND SAID I WAS IN A DISPUTE AND THAT I COULDN'T BUY WHILE IN DISPUTE PROCESS. I DISPUTED THEM ALL WITH EXPERIAN. THEN WAS TOLD BY LENDER NOT TOO. BECAUSE THEY SEE THAT ALL MY ACCOUNTS WAS IN GOOD STANDING. SO THEY KNEW I HAD NO REASON TO EVEN DISPUTE ANYTHING. EXPERIAN DISPUTED IT AND PUT THE SAME REMARK BACK ON MY CREDIT REPORTS. COULD NOT GIVE ME A REASON OR WHO PUT IT ON THERE. THIS HAS REALLY SET ME BACK MENTALLY AND FINANCIALLY.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Send info to attorney general concerning how this modification was completed. In it shouldnt have been completed in the manner it was. It was done in a estate when the estate no longer existed but I was included as a co-borrow, but I never receive credit for
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account.

XXXX - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXXXXXX XXXX XXXX  XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.
Product: Checking or savings account

An individual stole checks from my check book, forged my signature and cashed two checks for {$250.00} ( {$500.00} total ). 

I went through the US Bank Fraud claim process, and my claim was denied due to their assertion that I failed to secure my check book properly and was therefore liable. 

The forged checks were dated in XXXX but were cashed. In XXXX of the same year. The signature on the check is clearly not my own. It is clear that US Bank did not take ordinary care to ensure the checks were genuine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Synchrony Bank Walmart located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank Walmart has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.