23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXXXXXX XXXX **** Balance Owed : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC
Product: Vehicle loan or lease

hello good morning I am making a report of this car diler XXXX XXXX XXXX I buy this vehicle when they did not have to sell it because i make investigation it is a car that has been repossessed, and I had I almost turned in this car with my daughter we could have killed ourselves by the freaway, since my daughter was nervous because of the accident whenever we go in my car husband she is frightened by any noise the car makes, in the first month it broke down and they do not give me any solution, the diler lied to me, and neither the bank, nor the guarantee give me a solution
Product: Credit reporting or other personal consumer reports

Ava XXXX has clearly violated my rights. According to the law, a creditor may not report a late payment unless a notice is sent XXXX  days prior to the due date, as outlined in 15 U.S.C. 1666 ( b ). I never received such a notice. If Ava Finance claims to have sent it, please provide proof by showing a tracking number and a green return receipt confirming I received it.

Additionally, Ava Finance has incorrectly reported that I was on time on certain dates but late on others. This discrepancy is clear and will be evident to a judge. I request that Ava Finance immediately update my payment history to reflect payments as agreed, as this incorrect reporting has negatively impacted my creditworthiness.
Product: Payday loan, title loan, or personal loan

The company requires a customer to consent to sharing information outside of that info sharing required to process the loan on a form that specifies that consent is not required to process to loan. They do not offer an option to opt out you must consent to share then revoke that consent later. 

Excerpts from email exchange. 

I was informed you were curious why the consumer has to sign the privacy policy page on the loan agreement. This is a standard for all loans, giving the lender permission to mainly service the loan. The consumer is required to acknowledge receipt of the policy and therefore needs to sign it. Loanpal needs to be able to service the loan and that requires sharing information to the servicing/ billing department or to the credit bureaus. If the consumer wants to opt out of sharing that is not required to service the loan, we can send that request to our back office for them to opt out. We are not able to change the contract the consumer is signing and they need to sign and acknowledge receipt for us to move forward with financing. Feel free to call with any other questions, # XXXX. 

This reply is again full of shady double speak.. 

" giving the lender permission to mainly service the loan '' note the " mainly '' acknowledging that more than just permission to service is being requested and required. 

" Loanpal needs to be able to service the loan and that requires sharing information to the servicing/ billing department or to the credit bureaus '' not denied but more than that is given in consent in this form. '' " If the consumer wants to opt out of sharing that is not required to service the loan, we can send that request to our back office for them to opt out. We are not able to change the contract the consumer is signing and they need to sign and acknowledge receipt for us to move forward with financing '' Acknowledging that I am being required to opt in first to more than is required by just servicing. Also acknowledging that they are requiring a customer to opt in to more than required sharing in order to do business contradictory to what is said in the form itself and in my opinion not legal. 

I have already filled complaints against this company for deceptive privacy practices. They could easily add that signature as optional signature to process or an opt out of all non essential for servicing sharing into the contract. 

Let me know if they change the form or provide an opt out initially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus on XX/XX/21 regarding existing disputes from my client. Our client was ready to buy a house, so I proceeded to ask all three credit bureaus to remove all disputes. The credit bureaus told us that they would be removed after 3 days. XXXX  and XXXX  did remove the " dispute '' status, however, Equifax did not. On XX/XX/21 I decided to follow up with Equifax, and they said the same thing, " it would take 3 days ''. On XX/XX/21 my client 's lender tried to get him approved but the disputes from Equifax were still pending.
Product: Debt collection

Honda has added extra charges for a vehicle they reposted by choice then they refuse to give me back the car. They receive full balance for this car then they charge extra money just so they can bill me and mess up my credit. This company continues to report me late for no reason I have no agreement with them no I do not feel as though I owe them anything. I have fought this time and time again I am on XXXX XXXX   and work partite they took my car when I came to visit NY and I lost my job! I am still not working full time they had no reason to deny me back the car now they are reporting me late and ruining my credit just for their purpose. They are never going to get this kind of money from me I told them that they never even tried to resolve this they lease these cars to people and take them back and leave people in XXXX XXXX area with bills they do this on purpose. 
I want them to stop reporting me late I do not have a agreement with them for any payment I can not pay. They just want XXXX people to file for bankruptcy I will not do that. 
XXXX XXXX
Product: Mortgage

I had first contacted Ditech back in XXXX about fees that were on my mortgage statement a customer service rep said he would send papers explaining it was a new computer program and the papers he was mail out would explain. Got the paper work showing more fees than I saw prior. Called Ditech again then I was told it was corprate advances they were charging. I had explained to them that the loan mod they gave me was higher than my original mortgage that they rolled any and all fees into my loan mod. So then XXXX I try calling again to resolve this issue because seeing how some fees said late some said insurance I had asked to speak with a supervisor and was told I 'd get a call with in three days.Its now XXXX no call. So I give it a week and call again. Needless to say in over 90 days and 30+ calls I have got no where. I have tried to explain they need to read over my loan mod and they will see anything I owe them, back taxes, insurance and fees are In my mortgage payment.
Product: Debt collection

Capital One sold or gave a fraudulent account to XXXX XXXX to collect on a debt that i do not owe a debt that was due to fraud. Capital One sold or gave these accounts to XXXX XXXX for the purpose of harrassing me and my family. 
Capital One intentionally did this for the pupose of harrassment by XXXX XXXX. 
I have reached out to capital One several times all certified mail and verifed phone communications. Capital One has ignored and refuse to do a proper investigation. 
I have asked that they remove the account from XXXX XXXX XXXX and do a proper investigation into these accounts. 
My address is ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) The accounts are listed under a fraud address, ( XXXX XXXX XXXX XXXX XXXX XXXX ) That is not my address. 
Please remove the Fraudulent accounts from my report and contact XXXX XXXX XXXX and remove the account from them. Capital One is the original creditor so they must comply. 
Plaese remove any and all accounts bearing my name or SS #. 

XXXX XXXX XXXX Opened XX/XX/2017 {$1200.00} Original creditor : CAPITAL ONE N A XXXX XXXX XXXX Opened XX/XX/2017 {$1700.00} Original creditor : CAPITAL ONE N A
Product: Mortgage

I called Bank Of America about my tax statements from XX/XX/XXXX-XX/XX/XXXX I was told they could only provide me with XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I feel this is fraudulent I need those tax statements ASAP
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute Letter Civil Liability for Negligence under 15 U.S.C. 1681o Dear Consumer Financial Protection Bureau I am writing to formally dispute inaccurate and/or improperly handled information under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asserting civil liability due to negligence as outlined under 15 U.S.C. 1681o.

The matter pertains to [ describe the issue, such as an inaccurate credit report entry, failure to investigate a dispute, or improper sharing of information ]. The details of my claim are as follows : Account Name/Number : Date of Dispute or Incident : XX/XX/year> Nature of Negligence : [ Explain the negligent action, such as failure to conduct a reasonable reinvestigation or failure to update/correct information after being notified ] I have previously attempted to resolve this matter by [ mention prior actions taken, such as submitting disputes, contacting customer service, or providing supporting documents ], but the issue remains unresolved.

Under 15 U.S.C. 1681o, you are liable for failing to comply with the FCRA due to negligence. As a result of this failure, I have suffered damages, including but not limited to [ list any financial losses, credit denials, emotional distress, or other harm suffered ]. 

To resolve this issue, I request the following : Immediate correction or deletion of the inaccurate information.

A detailed written response confirming the actions taken.

Compensation for damages suffered due to this negligence, if applicable. 

If this matter is not resolved within [ reasonable timeframe, e.g., 30 days ], I will be compelled to pursue further legal action, including seeking damages and attorney fees as permitted under the FCRA. 

Please consider this letter a formal notice and take the necessary steps to rectify the situation. I expect your prompt response to address this matter appropriately. 

Sincerely, XXXX XXXX
Product: Credit reporting

I had a collection removed in XXXX 2015 and now it is
Product: Consumer Loan

I received a call, yesterday, from a representative, XXXX, from Capital One Auto Finance. She proceeded to ask personal information so I could verify the account. I am currently awaiting the title on a loan payoff and my ex husband has been trying to get information. After I verified the information, as my account has a block on it since XXXX XXXX, 2015, I asked if my ex has been trying to get information. At that time, XXXX informed me that my ex, XXXX XXXX, was on the line with us. I was furious that this representative had allowed my personal information and block information to be available to XXXX XXXX. I ended the call and proceeded to call COAF and request to speak with a manager. After nearly an hour of waiting, and several calls ( after being disconnected ), I was able to speak with XXXX, a representative in the " President 's Office '' department. She was apologetic, after reading file where clearly states that XXXX XXXX is to be blocked from any and all information. She said she would listen to call and get back to me. XXXX called at the time she promised. She was upset that the representative had done exactly as I had said. She also listened to a few of prior calls, starting with call on XXXX/XXXX/15 where I put the block on the account. She noted that XXXX XXXX had tried several times to gain information and was denied. She was unsure why XXXX had given the information out. 
I was extremely agitated and full of anxiety. There is a history of violence with XXXX XXXX and my information was private for a reason. 
I obtained the information to write a letter, XXXX XXXX, President, at above referenced address. 
The representatives I spoke with are XXXX-ID # XXXX, XXXX, ID # XXXX, and XXXX, ID # XXXX. 
It was necessary for me to contact my medical doctor for instructions on medication to calm me down. I am, still, this morning, quite anxious and in fear. 
I have filed this complaint with the FDIC and I will take further action in contacting NJ Division of Banking and Insurance ( XXXX ) and an attorney. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian not updating credit report after I've submitted proper documents and proof of debt not valid.
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. I sent correspondence regarding this issue more than XXXX  days ago but have received no reply, nor have they provided adequate validation of these entries. I am seeking your help to address this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 inac
curate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX is reporting my payments on my XX/XX/XXXX and XXXX XXXX bills as more than 30 days late. However, this is a result of poor processing by the XXXX XXXX telephone agent. 

Based on my own records, and confirmed by XXXX XXXX, on or about XX/XX/XXXX I called XXXX XXXX to authorize full payment on my account. XXXX XXXX has confirmed this. Accordingly, my XX/XX/XXXX invoice should have been timely paid. 

However, the telephone agent did not fully draw the authorized amount. Because of this, the amounts I paid at the end of XXXX ( received 31 days after XX/XX/XXXX ) were deemed late payment on my XX/XX/XXXX invoice and subsequent payments have been tagged as 30 days late ( because bills I was intending to pay at the time of invoice were then deemed applied to the older bills ). 

I called again this morning when I received my notice that the dispute was not resolved to clarify this error and I was told, again, that they acknowledge I called to make payment but because I did not catch the agent 's error prior to the 30 day mark XXXX XXXX will not take the late payment mark off my account. 

I truly feel this does not accurately reflect anything about my credit history, and it is literally going to cost me money on all future borrowings.
Product: Credit card

My Citi bank card had some fraudulent charges on it from XX/XX/2023 to XX/XX/2023 charges XXXX charges ranging from XXXX to XXXX to a vendor ( XXXX XXXX ). However, the company is telling me that the chip was present at the time of purchase, so they do not feel that it is a fraud claim. The vendor is listed as from XXXX XXXX CA. a place I have never been. Four of the five claims have been denied, however the fifth was covered because it had happened after I reported the charges and was issued a new card. it was charged from the same vendor oddly enough, so they canceled my new card and sent me a third. I have Called several times to have this issue resolved and am frankly sick of the run around. anyone with access to my account and common sense can see there is a clear problem however Citi has made me feel powerless to resolve on my own or within their claims center.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Bankruptcy in XX/XX/2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with XXXX over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that XXXX searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that the account referenced below has been charged off and reported as such. However, I have not received IRS Form 1099-C ( Cancellation of Debt ) for this account. As this form is required for tax reporting purposes when a debt of {$600.00} or more is canceled, I respectfully request that you provide a copy of the 1099-C issued for this debt, or clarification if XXXX was not issued. Please send the documentation or advise how I may obtain it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD A FRAUD ALERT ON MY PERSONAL CREDIT FOR THE PAST TWO YEARS AND NUMEROUS INQUIRIES ON MY CREDIT HAVE SHOWN UP BY WAY OF FRAUD AND WITHOUT MY CONSENT. THE OTHER TWO CREDIT REPORTING COMPANIES HAVE HONERED MY FRAUD ALERT ON MY PERSONAL CREDIT AND HAVE REMOVED INQUIRES I HAVE NOT AUTHORIZED NOR SIGNED FOR. TRANSUNION HAS FAILED TO DO SO. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : 1 ). XXXXXXXX XXXX-DATE XXXX-NOT MINE AND DID NOT AUTHORIZE 2 ) XXXX XXXX XXXX XXXX CAPIT-DATEXX/XX/XXXX-NOT MINE AND DID NOT AUTHORIZE 3 ). XXXX XXXX XXXX-DATE-XX/XX/XXXX-NOT MINE AND DID NOT AUTHORIZE
Product: Credit card or prepaid card

unfortunately for me I've had three separate FTC reports filed for fraud in the past year regarding the my chime account 7 XXXX XXXX charges have yet to be credited I'm in the process of finding disputes temporary provisional credit has not been issued notifying their claim to 100 % And guarantees and honoring visas policy as well. Because time does not fancy itself a bank doesn't change the violation of its own policy and advertising that policy that we are somehow protected by visa when using their card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy XXXX # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.
Product: Debt collection

In 2017 I contacted an internet provider over the phone to set up WiFi services in my home. When the installation employee showed up he informed me he was unable to install that companys equipment due to some technical limitation on their part. Services were supposed to be cancelled. I used another internet provider, and never received any services from this company. Even so, I continued to receive bills from them, and I spent many hours calling them to dispute this, only to keep being transferred, and hung up on. Ultimately, this fraudulent account was acquired by IC SYSTEM for debt collection and reported on my credit. I never received services from this company, I am do not owe this debt.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Vehicle loan or lease

I am not familiar with this account. I have contacted GM FINANCIAL concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.