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

on XX/XX/2020 I mailed in dispute letters to XXXX, Transunion and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. I am also a victim of the XXXX  data breach.
Product: Debt collection

I received a notice that an item was placed on my credit report by Valley Credit Services.
I am working with the hospital to solve this complaint and I do not give Valley Credit Services permission to access my medical records as this is a violation HIPAA Laws.
I am also filing a complaint against   XXXX   XXXX   and Valley Credit Services. My insurance should have paid everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A FRAUDULENT ACCOUNT THIS IS A CHANCE FOR XXXX XXXX TO ANSWER THIS PROOF OF CLAIM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I divorced XXXX XXXX in XXXX and in the Divorce Decree it listed a property at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX as her having sole possession and me giving up all rights. I have not received any bills, letters, or notices about this property in the last 9 years as XXXX XXXX was awarded the property. XXXX XXXX past in XXXX of XXXX. I did not find out until I visited with a mortgage lender about getting a loan to purchase a home for myself. That's when I found out that the the property on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX serviced by XXXX XXXX listed my name as the primary borrower and the XXXX XXXX never refinanced the property as required by law. 

I have contacted XXXX XXXX to see if the house can be removed from my credit report as I no longer owned the rights to the property. XXXX XXXX advised me that due to me being the primary borrower they could not remove me per the mortgage agreement and that they do not honor divorce decrees.They did mention that if I want the late payment reporting to stop I could refinance the property and they would move all overdue payments to the back end of the loan. I told them this is not an option as I have no rights to the property which also keeps me from selling the property. I also asked them why they did not notify me that the account was derogatory and that they were reporting as such on my credit report. Federal Law requires them to contact me before reporting negative information. They did not notify me nor did they give me an answer as to why they never sent me any information, documentation or notify me the last 9 years. 

Since XXXX XXXX 's passing in XXXX, her daughter XXXX XXXX XXXX and her husband have been living at the property and have not made any payments since XXXX XXXX passing. The daughter, XXXX XXXX XXXX has been attempting to refinance the property into her name and did a loan modification in XXXX since her mother XXXX XXXX willed it to her without my knowledge of any of it until recently as I was attempting to secure my own mortgage. 

I have sent XXXX three letters explaining this to them and asking them to remove the account from my credit report since I have no legal rights to the property. XXXX only responded one time, under a different mortgage companies name of " XXXX '' with a computer generated form letter that did not address the issue. I asked for documents pertaining to the loan and they will not send them. I then hired XXXX XXXX, Attorney at Law who sent a letter of intent which XXXX never responded to. I then contacted the XXXX XXXX courthouse to see if the order of the property awarded to XXXX XXXX can be reversed but they can not change the decree since she is passed away. 

Now, XXXXXXXX XXXX is ignoring our letters, and requests for documentation, or helping us find a solution to this issue. They are still reporting this mortgage that I have no rights to on my credit report. The property is about to foreclose because they will not work with the owner and occupant of the house, XXXX XXXX who wants to finance the house in her name and make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section XXXX, subsection ( XXXX ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ARS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I  also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX XXXX  on XX/XX/XXXXthat they were reporting my account as Past due for XX/XX/2019 and XX/XX/2019. My payment is current and should reflect that on Equifax
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My mortgage company XXXX XXXX ( loan no. XXXX ) had corrected an error in delinquency, but it seems they use third party company named XXXX XXXX that just recently posted a delinquency for same account ( XXXX ). Attached are the letters I received from XXXX XXXX which you will also find in my profile. 
Please help with this issue as it affects my credit by a huge deduction in points. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Car payments for {$7500.00} via XXXX from XXXX XXXX XXXX XXXX to Toyota via their https : //www.toyotafinancial.comXXXX  using my XXXX XXXXXXXX XXXX as well as their XXXX XXXX are being accepted and then reversed resulting in interest accruing. 

First payment XX/XX/XXXX accepted then reversed, tried again on XX/XX/XXXX after talking to Toyota Financial and XXXX XXXX. Payment accepted, remaining balance adjusted then on XX/XX/XXXX website says payment failed and balanced readjusted back to prior to payment. 

There is no problem on XXXX XXXX end, I've made many eft payments using their routing and my account # s for sums much larger than XXXX. Researching online I find than there are other customers in the same time frame having same problem.

In addition their website notes ... '' As we are updating our website and payment experience, you may be asked to add your bank account information again. Once you add and save this information, you can access it for future use '' This problem needs to be acknowledged, fixed and all interest accrued because of the failure refunded to me and other customers.
Product: Checking or savings account

We had a business checking account with chase Bank, the name of the business is XXXX XXXX XXXX XXXX account number XXXX, and we use to receive money from customers through XXXX XXXX ID XXXX, we closed this business account about 3 weeks ago, however one of our customers still have the old XXXX email ID. He transffered {$300.00} to the buisiness account on Monday XX/XX/2019 using XXXX, Chase bank account since the bank account close should refund the money to customer, instead chase took the money and deposited it to personal account XXXX XXXX XXXX. The customer called them they refuse to refund the money, they asked him to call us XXXX XXXX and ask him to call the bank and ask them to refund the money, when XXXX XXXX called the Bank, they told him the sender have to call and ask the bank to refund the money, the customer called again they gave him the same answer. XXXX XXXX called the bank again, the bank said that customer gave XXXX XXXX personal account information so that the reason the deposited the money to XXXX XXXX personal Account. 
That is not true, customer only have the Business account XXXX email ID, XXXX, he never have XXXX XXXX personal account XXXX email ID XXXX, which been deativited over a month ago. 
The last customer associate claimed that the customer deposited the money XXXX XXXX personal account in person. 
It is easy prove that chase did a mistake, or did on purpose, and they are covering for their mistake. 
Chase transaction number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand removal of a series of inaccuracies and Rights Violations XXXX, Equifax, XXXX and any other 3rd party agency, i am writing to demand removal of a series of inaccuracies and Rights Violations from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy, will be forced to notify the CFPB and FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. require 1000 per day if this reporting continues. 15 USC 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with XXXX, XXXX nor Equifax and ANY sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.
Product: Vehicle loan or lease

1. Credit Acceptance Corporation makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. 
2. Credit Acceptance sets the interest rates affiliated dealers must charge on it loanstypically about 22 %, which is at or near the maximum rate allowed in many states. 
3. The true cost of CAC credit is higher than what is disclosed on the CAC loan agreements, so many of the loans actually exceed state usury caps. 
4. CAC engaged in deceptive and abusive acts or practices in violation of the Consumer Financial Protection Act of 2010 ( the CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ), 5536 ( a ) ( 3 ), by obscuring the cost of credit for auto loans and taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences, as well as their inability to protect their interests, and for providing substantial assistance to dealers, even though CAC knew or should have known the dealers were misrepresenting the voluntary nature of add-on products. 
5. From XX/XX/XXXX2015 to XXXX XXXX, 2021 ( the Covered Period ), approximately 1.9 million consumers obtained loans from CAC and its affiliated used-car dealers. In 2020 alone, consumers obtained more than {$4.00} billion in CAC-financed loans. 
6. CAC claims that it caps the degree to which its dealers can inflate the price of vehicles. For example, since XXXX 2019, CAC has restricted dealers from increasing the price beyond 115 % of the highest XXXX XXXXXXXX XXXX XXXX XXXX value ( i.e., best condition ) for the make and model in question. But such a cap is far too high to provide meaningful protection to CAC borrowers ; CAC does not check on the condition of the vehicle, and many CAC borrowers are in fact financing vehicles worth much less than the highest XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while my credit report shows an outdated address of XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Vehicle loan or lease

in XX/XX/XXXX my daughter purchase a XXXX XXXX from XXXX XXXX in XXXX XXXX.She asked me if i could co sign for her and since she was my daughter i agreed to help her.The financing was too high for her she realized after she had the car for a couple of months. The rate was too high and she could not get the vehicle refinanced out of my name at an interest rate she could afford and after a few months of struggling to meet the note she returned the vehicle in XXXX XXXX.She had put down {$1400.00} on the purchase and lost that money as well. She not I ever received any kind of paperwork and were never notified that anything else was owed on the vehicle. We were never served any kind of paperwork nor were we given a chance to appear before a judge to dispute the judgment which is now on my name. Until i went to purchase a home 4 years later did I even know there was a judgment against me. The judgment is for over {$14000.00} and I was never served or given notice that this was being filed.I called the attorneys on several occasions the week of XXXX XXXX thru XX/XX/XXXX to find out how that was large amount was still owed after the car was sold. I have never received any paperwork regarding the selling of the car and was willing to make payments on the balance remaining as i suspected it could not be more than {$4000.00} since {$1400.00} was put down and payments had also been received. The car when returned was only 6 months old with minimal miles on it and i did not possibly see how i could owe over {$14000.00} on the car. That meant they would have had to sell a {$22000.00} car for only {$7000.00} which would have been ridiculous for a new car.I never received a return phone call from the EATON GROUP ATTORNEYS LLC OR XXXX the attorney handling this. I would like to see what the car sold for minus the monthly payments made by my daughter plus the {$1400.00} she pd down on the vehicle as i suspect i owed nothing after the car sold or I would have gotten some kind of notice after 4 years stating i still owed something on my daughter 's behalf.I DO NOT SEE HOW ANY JUDGMENT CAN BE FILED AGAINST A PERSON WITHOUT SENDING THEM A NOTICE THAT MUST BE ACKNOWLEDGED THEY RECEIVED.HOW DO COLLECTION ATTORNEYS GET AWAY WITH THIS? 
THANK YOU
Product: Credit reporting or other personal consumer reports

Company keeps veryfing innacurate information .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE ATTACHED COLLECTIONS EFFORTS. 
I AM CURRENT ON ALL SUPPORT PAYMENTS ; THERE ARE NO COLLECTIONS AMOUNTS DUE OR OWED. PLEASE REMOVE COLLECTION NOTE/SECTION FROM MY CREDIT REPORT. XXXX XXXX.
Product: Credit card or prepaid card

Chase has been quietly doing " XXXX XXXX '' on the credit cards that I have made overpayments on. There are currently two incidents which happened recently. There was an overpayment of {$0.00} on my chase credit card ending in XXXX, and chase quietly did a debit adjustment of the {$0.00} on XX/XX/. I called chase about this " debit adjustment '' and they said it's a standard practice for chase to do these " debit adjustment '', and there is no way I will be refunded for this. 
The other incident was for overpayment of {$0.00} on my recently closed credit card account ending in XXXX. There was again a silent " XXXX XXXX '' made on XX/XX/ for the said amount. 
I do not believe this should be a standard nor ethical practice for credit card companies to do these " debit adjustments '' and not inform the card holders about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2023, ive sent dispute letters to the credit bureaus and never had an answer back from them.ive been a victim of identity theft and i would like those fraudulent accounts to be remove from my credit report.
Product: Credit card or prepaid card

I have an XXXX XXXX Platinum card, and received an offer whereby I would receive XXXX XXXX XXXX for each person I referred for the same card upon them being approved. I referred my wife back in XXXX and she was approved instantly, but I have not received my XXXX points that were promised. The terms of the offer say it could take up to 10 weeks, but we are well past that now. I wrote to AMEX, and they said they would look into it, and the problem should be solved upon the next statement closing. My next statement has now closed, and I still have not received the XXXX referral bonus points. I would like the points deposited into my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are reporting on my account incorrectly causing my score to drop tremendously. I'm in the process of home buying and this is causing issues please assist. I contacted each burea to dispute inquiries also sent dispute letters to have it removed from my account
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain, Per the Fair Credit Reporting Act this is a violation of requisite Metro 2 Compliance reporting standards and I also have the right to a fair and accurate credit report, therefore ant information that is not true, accurate and verifiable is required to be removed. I demand you remove the inaccurate information immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my report showing your compliance with all FCRA and Metro 2 Reporting requirements.
Product: Debt collection

I'm trying to buy a house and they keep showing up on my credit report. I ask about them sending me the proper paper work or mail me the original contract, and I've gotten nothing. The name of the company is IQ Data International. For over a year ever month they continued to add XXXX dollars ever month until I put a freeze on my account. If they don't have the original contract in which they fail to provide, I want them to be removed from my credit report. They are on my XXXX, XXXX and XXXX XXXX.
Product: Credit card

I received an alert from XXXX. The alert asked me to verify that my Sephora account had been closed. I called Sephora and was connected to another unit because my account was closed. I spoke to XXXX, and I asked why was my account closed ; according to her Sephora received a call from me at XXXX XXXX  XXXX on XX/XX/24 to close my account. I explained, I did not. I asked if she could verify the my name, address, card number, and last four digits of my social security number was during the call on XX/XX/24. She acknowledged that someone did. Additionally, she said according to the notes, I stated that it never a valid account. By the end of the call, I began to think it was Sephora that closed my account. First, I thought it was the persons I listed in a previous FTC complaint. However, I filed a XXXX complaint XXXX on XX/XX/24 that Sephora and Ulta listed erroneous XXXX information of a denial credit limit increase letter, and notices to decrease credit limits ( these letters were included with XXXX complaint XXXX on XX/XX/24 ). I purposely left the {$100.00} credit limit accounts open until I received a response from XXXX. My card is in my possession ; I have not let anyone use it. Nor have I discussed that I filed a complaint about the decrease letter. I did not close the account. If Sephora manufactured a business transaction to hide wrong doings on their part, I would like to know. My credit is not pristine ; however, my credit scores will be impacted by Sephora terminating my credit account.
Product: Debt collection

Contacted the debt collection agency requesting information that they have to report on my credit. The company failed to respond with the proper documentation but is still reporting on my credit