23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax:XXXX XXXX XXXX, EquifaxXXXX XXXX XXXX XXXX Equifax:XXXX XXXX XXXX XXXX  XXXX Equifax:XXXX XXXX XXXX Equifax:XXXXXXXX Equifax:XXXX XXXX XXXX XXXX XXXXXXXX, Equifax:XXXX XXXX XXXX Equifax:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXX, Equifax:XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EquifaxXXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX, Equifax:XXXX  XXXX Equifax : XXXX, XXXX : XXXX, XXXX, Equifax:XXXX XXXX, XXXX : XXXX, Equifax : XXXX, XXXX : XXXX, XXXX : XXXX XXXX Equifax:XXXX XXXXXXXX, XXXX : XXXX, Equifax : XXXX, XXXX : XXXX, XXXX, Equifax : XXXX, XXXX : XXXX, XXXX, EquifaxXXXX XXXX XXXXXXXX, XXXX : XXXX, Equifax : XXXX XXXX XXXX : XXXX, XXXX : XXXX, Equifax : XXXX, XXXX : XXXX, XXXX : XXXX XXXX Equifax : XXXX, XXXX : XXXX, XXXX XXXX XXXX, Equifax : XXXX, XXXX, XXXX, Equifax : XXXX, XXXX : XXXX, XXXX XXXX XXXX, Equifax : XXXX, XXXX : XXXX, XXXX : XXXX, Equifax : XXXX, XXXX : XXXX, XXXX : XXXX, Equifax : XXXX XXXX XXXX : XXXX, XXXX : XXXX, Equifax : XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

According to 15 USC 1681s-2, they are supposed not to 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.

15 U.S.C. 1681B ( 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: Consumer Loan

I took out XXXX loans with XXXX XXXX. The first XXXX was to get my credit up to finance furniture, and the second one was for moving. I have been unable to pay the full amount due to XXXX and the loss of XXXX part-time job within six months. Tower Loan, even when I do pay, will call me to offer me payday loans, will call me the day my loan is due, and if I am unable to pay the full amount, I get harassing phone calls. I have sent them a hardship letter telling them of what has happened and that I plan on paying them in the near future, but it has fallen on deaf ears. I still get harassed continually by them, and they are not trying to help me at all with any of my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion at ( XXXX ) XXXX, as well as in writing, stating that XXXX inquiries on my credit report are invalid and unauthorized. These item 's remain, and I have been a victim of identity theft with a fraud alert placed for my protection on my report. I have continuously been told to contact the lenders and companies that have done the inquiries, and that transunion can not dispute or investigate on my behalf. Please assist. This has been affecting my credit report for months, and still no resolve.
Product: Checking or savings account

i have discover cheking account and i have money in it almost {$3600.00} i couldnt use my debit card over seasethey dont honor discover in that country i came back called the discover to close my account its been over a month now every time deferent story i demand my account to be close and my money to be send to me they keep say its under business review i dont understand that i want my account to be close that is it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported my account late when it has never been late. The funds come out of my account every month through ACH transfer on the XXXX and XXXX of every month. I provided them documents to have them correct it but they still havent made corrections. Can you please assist me?
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the Equifax credit bureau that I was a victim of Identity Theft. It seems the Equifax credit bureau doesn't care at all that I want to dispute unauthorized inquiry that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiry removed from my file as soon as possible. 

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

I created an account to monitor my credit and see the XXXX collection still on my credit. This account was paid with the agreement that it was to be deleted from my credit profile, yet it was only updated to paid. I was advised I needed to dispute this with the bureaus with no reply on the status, hence this complaint. Due to manipulative collection tactics with not following what was advised I am filing this complaint as it needs to be removed promptly to rescore my credit, per agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 7 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. 
I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. 
I was late XXXX, XXXX, XXXX XXXX
Product: Debt collection

Eos-Cca is illegally charging me for collections on an account that has never missed a payment and has always been current. They have called from multiple phone numbers that are unlisted and do not reflect legitimate business. They claim {$210.00} in debt to my Internet service provider XXXX. I have attached a screenshot that shows since my start of service through today I have never missed a payment this is extortion and is a crime.
Product: Credit reporting or other personal consumer reports

I am in the process of closing on a home and was notified that XXXX XXXX XXXX reported I was late making my auto payment for the month of XX/XX/2024. I refinanced my loan and the new auto company paid the auto loan in full on XX/XX/2024. My XXXX XXXX was impacted causing me to no longer qualify for the loan and I have called XXXX on XX/XX/2024, XX/XX/2024 and XX/XX/2024 and have spoken to numerous departments and they refuse to send me a document advising the XXXX payment was reported in error so I can provide it to the mortgage underwriters to honor my credit score while waiting on the corrections to be applied to my credit report since they advised it can take up to 60 days for the corrections to be applied. Ive expressed this is a time sensitive issue and the seller is backing out if I am not ready to close and begged for the letter since they have faxed me other documents that dont show the info I need and they keep advising its nothing more they can do.
Product: Debt collection

On  XXXX   XXXX ,  XXXX  I sent my first complaint advising of the multiple phone calls, emails and threats fro m Prizm Financial. T oday,  XXXX   XXXX ,  XXXX  I received a second threat for the week of repossession. My account is currentl y 24days past  due for half of the full payment. As I have advised in the past and have always kept my word that my account will not reach the point of repo rting ( 30dys ). I do n't feel the constant phone calls and threats on an account that has not reached 30dys is warranted. This account at 24 days past due should not be in danger of repossession and acc ording to the attached emails that is what will take place this evening if not paid by  XXXX  according to  XXXX   XXXX . I have this account since  XXXX   XXXX  and this account has not been reported  as 30 or m ore days and to receive threats of repossession is unethical and in my opinion illegal.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX I mailed a dispute letter to XXXX XXXX XXXX regarding the inaccurate and misleading reporting of my account. Despite making regular automatic payments, which are debited monthly from my account, these payments are not being reflected in my payment history. The account inaccurately shows no payment activity, which is blatantly false. 

To date, I have not received any response from XXXX XXXXXXXX XXXX  regarding my dispute. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to respond within the legally mandated timeframe demonstrates negligence, and I believe the information they are reporting was not validated with 100 % accuracy. This ongoing inaccuracy is damaging my credit report and unfairly affecting my creditworthiness.
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 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT : Name : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX EMPLOYER : XXXX XXXX XXXX, SC XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am frequently receiving calls and emails after I asked them not to. I disputed via XXXX  several times to confirm account details but they do not and its still reporting on my credit.
Product: Debt collection

In XX/XX/XXXX, after 36 months of payments, I returned my car at the end of its lease to XXXX XXXX XXXX XXXX, Nevada, and exchanged it for a new one. The dealership asked for both keys for the car I was returning. I said I only have one because the other one was stolen. The dealership asked whether I could produce a police report. I said yes and sent them a police report clearly showing the XXXX key among the items stolen. The police report is attached. They asked if I was reimbursed for this and I said no because my deductible was too high. The dealership ( XXXX and/or XXXX ) said that would be fine not to turn in the second key as I had a police report, and that all was taken care of. The car was returned in pristine condition and no other fees were charged to return the car. 

Several weeks later, in XX/XX/XXXX, I got a bill from XXXX XXXX for {$400.00}. I called XXXX to ask what this is for, and was told it was for a missing key. I explained the above situation to them, and they said fine, thank you. I returned the invoice to them with a note repeating the above as well and thus do not have the original invoice to give you. For the second time, I thought the matter was done. 

But no. I subsequently got a call from the dealership in perhaps XX/XX/XXXX saying that XXXX did not waive the fee after all, and they felt bad about that, and would I like to split the cost with them? I told them no, that the cost of a key to XXXX was nowhere near {$400.00}, that the new owner already had their new key, and they needed to honor their deal as part of my taking on a new car lease. 

In addition, {$400.00} is also grossly inflated. The value of the key at the time it was stolen ( XX/XX/XXXX ) was reportedly {$220.00} according to the XXXX dealer ( invoice attached ) plus {$65.00} to rekey. 

I am now getting threats of collection from XXXX ( letter attached ). I have emailed XXXX through my account on their website and told them if they do not honor their agreement to waive the fee for the missing key, which clearly does not cost them anywhere close to that, that this would be the last car any of our family buys or leases from XXXX or XXXX. I told them hassling me over a missing key is not a way to take care of customers who have made thousands of dollars of lease payments on time for nearly four years now. I have not received a response. I can't believe I am wasting your time and mine over a key after now four years of on-time lease payments, but here we are. 

I would appreciate your intervention in getting XXXX to honor the dealership 's agreement to waive the fee for the missing key and stop hassling me with threats of collection activity. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

I am a retired, XXXX veteran who served 30 years in the XXXX XXXX. I received treatment for my XXXX while on XXXX XXXX, which ended in XXXX. The treatment that was used was called XXXX, which is a form of ketamine. While on XXXX XXXX, my treatment was covered, and when I retired, I struggled with my XXXX and XXXX. I sought treatment with a company called XXXX. I was told my XXXX XXXX  covered it, and I would only have to pay a deductible, which I did during each visit. I received a bill from XXXX XXXX which stated I owed a large sum of money for the medication, which went directly to the doctor 's office and was only used during my visits. I informed the doctor 's office that I had received a bill for a large amount of the ketamine medication, but I was never given the amount and dosages on the bill. They told me they would clear it up and apparently never did because my credit report is now in collections. I firmly believe the medication that XXXX sent to the doctor 's office was given to other patients or distributed in different manners ; either way, I was never directly in control of the medication until it was given to me at the doctor 's office, I was never administered the amount of drugs that I received a bill for, and now had been sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/XXXXand the mortgage was paid off onXX/XX/XXXX. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires on my credit that I didn't allow to be on my credit. XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2023 I recently noticed fraudulent charges on my Avant Credit Card totalling over {$700.00} only due to my BALANCE DUE reflecting the charge vs my last statement balance of {$89.00} just a few days ago. The transaction history for my account does not show any transactions since XX/XX/2023 ( my payment of {$220.00} ). 

I have tried multiple times to resolve the issue with Avant Finance, however, each call has been disconnected by the representative after they confirm that they also can not see any new charges, but each refuse to escalate my calls to a supervisor or correct the balance to reflect the accurate amount. 

I have not received a call or any correspondence from anyone in follow up to my repeated calls. 

My account balance with Avant should now be {$16.00} as I made a payment of {$73.00} tonight. 

Avant has recently been fined for fraudulent practices including adding fees and charges to customer accounts and failing to credit payments. I am afraid they are at it again. Please help me to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX XXXX XXXX .... Balance : {$30000.00} ; XXXX  XXXX XXXX Balance : -