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

I have attempted several times to get this company to comply with ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are refusing to lawfully comply which is also a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, which establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.16 CFR 313.7 - Form of opt-out notice to consumers ; opt-out methods. ( f ) Continuing right to opt-out. A consumer may exercise the right to opt-out at any time. They are also in violation of my copyrighted name and are now committing identity theft by me opting out and not having my express written consent and authourization.
Product: Debt collection

I received a letter from Southwest Credit with an attempt to collect on an alleged debt from XXXX XXXX XXXX, stating placement date of XX/XX/XXXX for the amount of {$330.00}, and stating Southwest Credit Reference Number : XXXX. I sent them a letter on XX/XX/XXXX requesting that they verify the alleged debt. The company did not and still has yet to verify this debt. They sent me a response back dated on XX/XX/XXXX with a billing statement from XXXX XXXX XXXX. They are threating to report this false, unverified information to the credit bureaus. Furthermore, the company they are trying to obtain the debt on behalf of ( XXXX XXXX XXXX ) has a social security number on file that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry on my credit reports on XXXX XXXX
Product: Payday loan, title loan, or personal loan

I tried to call Spruce few times and I was never able to speak to their representative. I emailed them shown below. 

I am a former XXXX XXXX customer and my account has been acquired to your company few years ago. My lease number was # # # # from XXXX then I was assigned to agreement number # # # # upon Spruce acquisition. There are few issues on the recent invoice XXXX and other general issues as below. 

1. Starting this month, I received the invoice with a new Agreement number which is XXXX. I was aware of the change thanks to a letter sent to me last month. Now, the problem is you are billing me {$170.00} instead of {$160.00} which was agreed on the original lease. I see that Spruce began adding State , County and District Tax for the first time. However, the lease agreement states on 2.2. ( b ) Based on current tax rates as of the date you are signing this Lease, the estimated personal property, sales and use taxes you will pay on the monthly Lease Payments during the Term are {$0.00}. I was wondering if this additional charge incurred while updating all your account with the new agreement number. Please, rectify this issue and send me the confirmation. 

2. Your data of the lease solar panel production is bogus because it shows the system continued its production during XXXX and XXXX. However, I renovated my home and the system was uninstalled on XXXX. It was out of service until XX/XX/XXXX when it was reinstalled after the construction was completed. How can the system generate the energy when it was off the grid and was on the ground by pieces. 

3. I tried to sign on the newly designed website and clicked the billing button. It did not work. To be honest, I was never a fan of your web portal because it was poorly designed and maintained from the beginning. When your letter with the new Agreement number mentioned about newly designed web portal and promised Call-back Functionality, I was hoping that would make your customer service experience better because it was never the case in the past. But then again, I tried to resolve the issues by calling and leaving my call back number. No one has called back after a day. I am very disappointed. I created another account with a different email address and a new Agreement number. It did not work either. 

4. I received the text from XXXX saying there was a service appointment to confirm. First, I ignored because the caller area code was from XXXX, CA and thought it was a scam phone call. Later, another text sent had mentioned that the work order was assigned by Spruce Finance. I'd wish if Spruce can do a better job communicating with their customers. 

Please, get back to me with the proper follow-up in timely manner. Should you have any questions, feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I alerted the company ( XXXX  ) that someone opened an account fraudulently using my information. They acknowledged through their investigation that indeed the account was opened fraudulently. It was initially opened in XXXX and I alerted them. Even after they found out that its fraud they are still reporting it to the credit bureau and its showing me 60days past due. I need them to stop reporting it and remove my information from this account.
Product: Debt collection

XXXX XXXX is trying to collect money on a fraudulent account and saying I opened an account with them on XX/XX/ 2020, when in fact i had XXXX as my phone provider in 2020. This account is fraudulent, please remove it from my account.
Product: Credit reporting or other personal consumer reports

These inquiries do not pertain to me, and I have no association with the creditors mentioned.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. 
Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. 
XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX # 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 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

Dear Consumer Financial Protection Bureau, I am writing to dispute an error on my daughter 's credit report. My daughter was recently removed as an authorized user from my Capital One credit card account. However, despite bringing the account current with a {$600.00} payment and removing her as an authorized user, her credit report indicates that the account was closed terminated and the balance went from {$2800.00} to {$0.00} reported negatively, causing her credit score to drop by XXXX points. Which is incorrect my credit card was over the limit {$3300.00} and I paid {$600.00} and still have an outstanding balance of {$3000.00} and the minimum payment is due by XXXX of {$110.00}. 

On XX/XX/year>, I spoke with a Capital One manager named XXXX ID # XXXX who apologized for the misinformation I received on XX/XX/year>, when I was assured that removing my daughter XXXX XXXX from my Capitol one credit card ending in XXXX. It would not negatively impact her credit. XXXX ID # XXXX ( Manager ) confirmed that the account is still active and in good standing. However, she indicated that I need to address this issue internally and write to the credit bureaus to correct the error. 

This situation is causing significant distress as my daughter is in the process of purchasing her first home. Additionally, I have been overwhelmed with paperwork due to XXXX deaths in my family over the past year. Given that the account is active, open, and current, I believe it is unjust for my daughter to suffer from this error. I am still paying the account and it was never closed. How could they report incorrect information to credit bureau and this has adversely affected my daughter 's credit and home buying process. The manager XXXX employer number XXXX adv they are not credit specialist and it needs to be updated in writing because the account is closed. Which that's incorrect the is open and active and still being paid on by me. XXXX XXXX
Product: Checking or savings account

ON XX/XX/XXXX I HAVE USED AFTER HOUR DEPOSIT BOX IN CAPITALONE BANK LOCATED AT XXXX XXXX XXXX XXXX XXXX USING KEY ASSIGNED BY BANK. I HAVE SUBMITTED CASH BAG TOTAL {$920.00} IN A BOX UNDER RECEIPT NUMBER XXXX. ON CHECKING UPON MY ACCOUNT CAME TO KNOW BANK HAVEN'T DEPOSIT THAT MONEY IN MY ACCOUNT. I IMMEDEIALTY CALL BANK AND SPOKE TO THEM ABOUT IT. THEY HAVE ISSUED ME CASE # XXXX AND TOLD ME TO WAIT FOR 5-7 BUSINESS DAY ALSO HAVE CONTACTED FRAUD DEPT @ XXXX. THEY TOLD ME TO WAIT FOR 7 DAYS, I CALLED AFTER 7 DAYS THEY TOLD ME TO WAIT FOR ANOTHER 7 DAYS NOW TODAY IS XX/XX/XXXX XXXX HAVEN'T RECEIVED ANY RESPONSE. ITS ALMOST MONTH AND NO BODY IS HELPING ME OUT. FOR ANY QUESTION I CAN BE REACHED AT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a resident here in america, I dont want donald trump to kick me out because of bad credit. 
im trying to do the right thing. I dont do bad. someone used my credit or it was a mistake fromthe credit people. I never did this to me. Please help and delete from my credit. XXXX bless you.I never applied for XXXX XXXX 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 inquiries attached. I had no inquireis dont apply for anythingloans Company or Organization : XXXX XXXX XXXX inquiries not mines XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX  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

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 Balance : {$1000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me 21 days before with a statement, so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this is clearly a billing error. The items below should all be updated to PAANL ( paid as agreed never late ) on my consumer report. XXXX MORTGAGE SERVICES, XXXX LOAN SERVICING, XXXX XXXX, XXXX XXXX XXXX XXXX As a consumer, by law the accounts in this letter must be updated immediately because my rights have been violated. Consumer laws XXXX XXXX Code XXXX, XXXX XXXX XXXX XXXX Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of XXXX XXXX Code XXXX XXXX ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL ( Paid as agreed never late ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to the credit reporting agencies claimed that my factual disputes was investigated and validated as accurate. I am doubtful that this is the case since there are several inaccuracies still being reported. In order of full transparency I have included a screenshot of the credit report and highlighted the inaccuracies or discrepancies in yellow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : Late Payment ( s ) I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 1666b 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. 
I NEVER gave XXXX, EQUIFAX and XXXX any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 

XXXX, EQUIFAX and XXXX should be ashamed for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED : XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, nor XXXX on this account please update the account as Paid/Current. 

XXXX, Account Number : XXXX I was never late on XXXX on this account please update the account as Paid/Current. 

XXXX XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, XXXX, nor XX/XX/year> on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserve
Product: Debt collection

The caller has been asked several times to stop calling my number that I am not the party he is trying to reach. He insists that I am. He calls everyday at least XXXX a day for months.
Product: Consumer Loan

I have a car loan XXXX account # XXXX XXXX through Chrysler Capital. I 've noticed that every time I give a payment, they charge me a fee of {$2.00}. When I first financed my loan I was not given any information to me paying extra fees to pay my already financed vehicle. I 've taken the liberty to copy/paste the disclaimer I have to accept to if I want to make a payment online. 
" Chrysler Capital uses another company, XXXX, to provide money transfer payment services for its customers. If you choose to make a one-time payment using XXXX, you will be sent to a XXXX secure website. Chrysler Capital and XXXX will share your information to complete the transaction and process your payment. XXXX will charge you a money transfer fee in the amount of {$2.00}. XXXX is not involved in the collection of your account. A single payment may not be greater than {$2000.00}, plus the XXXX transfer fee. You may make multiple payments if necessary ''.
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 XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account name : XXXX XXXX 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.
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 checked my credit report on XX/XX/2019 and noticed that a fraud alert had been placed on my file without my knowledge nor authorization. I sent a letter via certified mail along with my driver 's license on XX/XX/2019 requesting for the fraud alert to be removed. I received a letter from Equifax dated XX/XX/19 basically stating that they reviewed my current address and added it to my profile. They did not state that the fraud alert had been removed as I requested.
Product: Credit reporting or other personal consumer reports

Received junk mail credit card offer from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX weeks later there was a Hard inquiry on my credit report. I called The Bank XXXX Missouri and they immediatly asked if this was an issue with a credit card or inquiry. They said they contracted it out to XXXX XXXX. I never applied for anything or accepted any offer let alone I have never heard of this company before. The XXXX rep said they are an offshore company and sometimes things get applied. The Bank XXXX Missouri would be well aware of there illeagal practices. I have all of the phone calls recorded to get this resolved. They said I would receive a response by mail in XXXX days as it had to be transferred to there investigation dept. This is totally wrong and they are scamming people. The XXXX XXXX XXXX and XXXX XXXX needs to be shut down.
Product: Vehicle loan or lease

So i had found out that my contract was fraud do to the lack of full disclosure and that also i participated in a credit consumer transaction and i did not have to pay it back. After i found that out i sent in a money order for full satisfactions and they never reported the amount to my balance. then i sent out a debt validation to they never aswered that when i sent it to them directly. when i sent a debt validation through experian electronicly they responded that way. But they did send the full contract the bottom was cut off and was no signatures. then i sent in the Right of Recissions and they are now harrassing me through another company which you will see through the upload of documents. they also violated the TILA by asking for a down payment.
Product: Vehicle loan or lease

I was offered a loan in XXXX at XXXX by this company despite my credit issues. The principal was paid over the amount but ally kept putting the principal payment towards the interest at the beginning of my loan. They were supposed to hold payments due to covid after my request to do so by order of the government but they didn't give me that time. They repossessed my car and pretended someone stole it after I reported the fraud on my principal payments. This was a santander loan they got in trouble with. I notified the governor and they said I had grounds to sue for near XXXX. Ally sold my car then got XXXX for it and wrote it off because it was more than I owed on the car att. There should be no debt for this vehicle as they sent me notification of the sale of the car but they put me through collections anyway. It's on my credit report. I want it taken off. How much fraud can one company do. This is absurd that you would respond and say you don't do business with anyone in XXXX. I just moved here. Car was taken from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020. Right after the governor sued this company for loan fraud.