23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had a vehicle financed through TD Auto Finance ( formerly Chrysler ). I tried to get them to refinance the loan due to the high payments and me being unemployed at the time. They refused, I took the vehicle to the location that I purchased it from and let them know that they could pick it up form there. The vehicle was auctioned off and the remaining balance was charged off to the tune of {$10000.00} in 2011. Every other month they list the account as Open and add {$20.00} or so dollars to the balance. I have had XXXX XXXX to try to get this corrected and even filed disputes with the credit bureaus. They still add charges to the account. This is the original creditor, they have not sold the debt to a collector and they have made no attempts to contact me. I offered them {$500.00} as a settlement and they would not accept it. They did let me know that the balance is around {$1000.00} when I called them. I just do not understand how they can keep adding to the balance and the account was charged off 6 years ago and they have not attempted to contact me. They have invested no resources into trying to remain in contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not showing correct information on credit reports. The have a XXXX XXXX showing on my XXXX major credit file. They have fail to provide that I was 180 days late to put a XXXX XXXX on my credit reports. The reporting is inaccurate information that needs to be removed. The account was paid in full. The XXXX major Credit Bureaus needs to follow the law and not do what they want to do! People are loosing faith in this system!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the following account below have violated my federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15 U.S. code section 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit furnishers ) have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. 

Additionally it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish any account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now tried THREE TIMES via direct dispute with XXXX, XXXX, and oh boy, XXXX! to have the account status of a PAID COLLECTION FROM XXXX XXXX updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor and they are the ones falsely reporting this information! I've called to have this updated and they SWORE OVER AND OVER THEY NEVER REPORTED IT AS PERSONAL RECEIVERSHIP INCLUDED IN BANKRUPTCY BUT WHERE ELSE COULD IT HAVE COME FROM?! They get notified everytime I submit the dispute and I included comments specific to the account status being incorrect! WHY CAN'T THEY JUST REPORT IT AS A PAID COLLECTION?! IF IT'S THIS MUCH TROUBLE, JUST DELETE IT FROM MY REPORT! I have NEVER had SO many problems with something SO XXXX simple!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving harassing phone calls from Navient Solutions LLC, again, and again after reporting them, and they had agreed to take my number off their contact list. From a prior dispute that I filed here. 

Complaint # XXXX On XXXX I got a call from 2 of their agents one (  XXXX XXXX ) and Two ( XXXX XXXX ), about a student loan. When I told them that I do not know what there talking about and that I do not do business with their company and that I do not have any student loans with them they refused to let me speak to their supervisor they refused corporate and was very rude and refused to take my number off their calling list. 

I do not do business with them, I do not have any delinquent student loans, I never had any student loans, I am not delinquent on any student loans. 

They call from number XXXX which is their call center number NAVIENT CORPORATION XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX
Product: Debt collection

Debt was paid in full. 

Collection agency violated section 15 U.S.C. 1692 of FDPAAsloduring discussion with agency they failed to provide accurate information despite my attempt to secure sameThey reported an inaccurate debt to credit bureau
Product: Checking or savings account

Chased closed my account and didnt let me withdraw my money, they said i cant go to the bank either and they will send me a check in a month which is way too long
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities.

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Debt collection

Credit Bureau was made aware I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with Hunter Warfield Inc. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Product: Payday loan, title loan, personal loan, or advance loan

I am currently in a hardship, I am XXXX and issues receiving the correct amount for workers comp. I receive $ XXXXbi-weekly and have needed legal representation ( XXXX XXXX ) to handle my legal matters. 

I had used DAVE to take an advancement in the amount of {$420.00} and forced to pay an extra {$21.00} to get the same amount out until I can pay it off. 

The amount available has slowly decreased and now I can only get {$120.00}. They stated it may change every 24 hours. I explained I am XXXX and this is creating a hardship. 

They do not care and say they have terms. I also know you can not discriminate against someone who is XXXX. I am considered XXXX and awaiting the judges decision to find out the level of XXXX I have to determine the amount of money I am entitled to. I can not afford to pay my rent that is due today because they will not me take out the {$420.00} I have been taking out and paying early. I have paid early, I pay the ridiculous {$21.00} to get my money and now I'm put into a hardship because of their discrimination against people with XXXX. 

Depending on how far this goes, I may take it further. Many predatory cash apps have started since covid happened and they prey on people in hard times. 

I plan on helping others in this situation. 

Thank you for your time and consideration Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account.
Product: Checking or savings account

Huntington closed my checking accounts with no explanation.

They stole my balance and refuse to state the reason why they closed my account and refuse to give me my balance on my account.
Product: Debt collection

I have a XXXX or XXXX and XXXX. Both card are consolidate as XXXX card with a balance of {$7400.00}. Due to changes in my military status, I am no longer a monthly paid XXXX since XX/XX/XXXX. The hardship of paying bills become harder and I had to resort to payday loans. The end result is my XXXX was unpaid for several months. 
here is my complaint, I was to receive my XX/XX/XXXX tax return of {$530.00} to be released on XX/XX/XXXX. I never received my refund. I was advised by the IRS automated system that my refund was paid to Transworld System Inc ( TSI ). I made inquiries to TSI and I had asked why is my refund taken. Customer services proceed to say to make payment arrangement. When I inquired why I never received a letter on this collection. They proceeded to say " no letter was return. '' I continued to asked more than 3x for a copy and the proceed with the excuse " no letter was return. '' until XX/XX/XXXX, I have receive an envelope with copies of transaction and a non legible or a very poor scan copy of letters sent to me in XX/XX/XXXX from XXXX. The letter is dated XX/XX/XXXX and the letter gives me 60 days of the date of the letter to sign an agreement for payment arrangement or a Treasury Offset Program will be implemented. 60 days from XX/XX/XXXX will not be until XX/XX/XXXX. my refund was taken from me to early. This violates the letter I never received. I spoke to XXXX customer service on XX/XX/XXXX to gather some information and I spoke to XXXX. She explained to me that various service members have lodge complaints with TSI, so why has nothing been done to rectify these complaints with TSI. TSI is punishing me with there high interest rate with a balance I checked back in XX/XX/XXXX of {$12000.00}. today this balance has gone up to {$13000.00} TSI has lied to me regarding letters sent out in XX/XX/XXXX. TSI has made it clear that I can not pay a single payment of the current balance due my credit report. Why has the FTC stopped this practice if various service members including myself being punished and my credit report will effected since collection will be on going and if I can the balance off in so many year, my credit report will still be negative for another 7 years because of the unauthorized collection practice and interest charges XXXX has suggested to me to inquire with TSI for hardship but the representative only laughed at me and said there is no hardship. I will soon receive my military retirement then my Social Security retirement. TSI will collect all my entitlements and leave me nothing to pay my mortgage, utilities and food. this is unfair to me since someone has given them rights to take this action.
Product: Debt collection

On XX/XX/XXXX, I rented a car in XXXX MI from XXXX XXXX XXXX XXXX and while I paid for the rental fees in advance, few days after after returning the car I noticed that I had an additional separate charge on my credit card for {$150.00}. I tried to call XXXXXXXX XXXX XXXX XXXX to clarify the amount but was put on hold for close to an hour and that happened multiple times. then I contacted my credit card and disputed the amount, my credit card company started a dispute and attempted to contact XXXX XXXX  as well, but they failed, and after 5 weeks, they closed the dispute, and the full amount was refunded to my account. Then on XX/XX/XXXX, I received a letter from Media Collection Inc. DBA Joseph , Mann & Creed , the letter was referring to an amount of {$150.00} which they were trying to collect on behalf of " XXXX XXXX XXXX '' apparently, the owner of XXXX XXXX XXXX XXXX 

The letter simply stated that they are trying to collect a debt that I owe to XXXX XXXX, and they shall use any information I give them to help collect this debt. 

Notes about this mispresented debt : 1- I have never been contacted by the original debt owner directly to clarify this amount 2- The amount which was listed is for Damage waiver and roadside assistance and the related taxes was not approved by me or explained as I had my own insurance. 
3- When I contacted the debt collection agency, they gave me a number to call and suspend the charge with XXXX directly, which I did and was told I shall receive a decision within 24-48. obviously, this didn't happen. 
4- The debt collection agency rep asked me to submit a dispute online which I did on their web portal, and I didn't receive any notification about their final decision as well and my case status 5- on XX/XX/XXXX I called the debt collection agency and asked for the status and was told that the case is closed but I am still in collection, which is unclear to me on really what does that mean and what's the impact to my credit as well as what do I need to do or the next step, and when I asked for clarification from the agent, she just said " you won't be able to rent from them and I will hang up '' I am now left with a mispresented debt which I tried to dispute and get some sense of its authenticity and how I could resolve this matter but was just left with no guidance and at risk of impacting my credit for this minimal amount and a debt owner who is nonresponsive and debt collector who didn't well presents the matter or explain my case to me and try to resolve it.
Product: Debt collection

On XX/XX/XXXX, Financial Recovery Service mailed a letter stating I owe XXXX on a past due account from XXXX XXXX XXXX XXXX Acct ending in XXXX. Date of last payment XXXX. Charge off XXXX. According to XXXX credit report, this account was opened on XXXX, legally paid in full for less than the full balance. Status was updated on XX/XX/XXXX with credit limit of XXXX. On XXXX report, it shows credit limit of XXXX, high balance of XXXX, and paid in settlement, account paid in full for less than full balance with XXXX written off. Date opened XX/XX/XXXX ; date of status XX/XX/XXXX. On XXXX report it shows high balance of XXXX with credit limit of XXXX. Shows as charged off. Last payment made was XXXX ; date updated XXXX. Account was sold to another lender. 

Now FRS is asking for payment on this debt that was settled in full according to 2 credit bureaus. They have called my cell number 2 to 3 times daily with a disguised phone number to try and get funds out of me. 

I was willing to work out a settlement offer as trying to clean up the credit reports, however, this is inexcusable being this debt has already been paid and none of the numbers add up correctly for what they are claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE STOP CLOSING MY DISPUTES AS A DUPLICATE! IT IS NOT! This is my THIRD CFPB complaint. I previously filed a complaint and my matters were not addressed during the resolution. I informed you, the CFPB, AND XXXX, that, - XXXX, and XXXX  XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violation of one or more U.S. Codes. Due to this going ignored during my last dispute, I will list the violations AGAIN. First violation : 15 U.S. Code 1681i : XXXX received my dispute letters sent via certified mail, and never followed the proper procedure upon disputed accuracy. I also never received the results of any alleged investigations, nor any physical documents baring my signature, nor did I even receive a copy of my credit report. Second violation : 15 U.S. Code 1681s2 : It is prohibited to continue reporting information upon receiving notice by the consumer that the information being reported is believed to be incorrect by the consumer. Since my very first dispute a year ago, the information I disputed never ceased reporting. Third violation : 15 U.S. Code 1681c2 ( a ) : The information was disputed as identity theft, and was never blocked within four ( 4 ) days of receipt. The next violation is 15 U.S. Code 6801 : My nonpublic information is not being protected! The financial institutions listed above are sharing my private information without my consent! I was also never provide with a clear and conspicuous notice or disclosure that allowed me to exercise my right to opt out of reporting. This choice was taken from me. On top of that how in the world did the third party collection agencies listed above obtain my social security number and personal details? I really need for you to look into this for me. 15 U.S. Code 6802 also states that my nonpublic information is not to be shared with nonaffiliated third parties such as credit reporting agencies, in this case XXXX, and others, without my expressed consent or discretion. No consent is identity theft! Congress states under 15 U.S. Code 1681 that credit reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and respect the consumers right to privacy. I am being treated unfairly, and my right to privacy is NOT being protected! Especially by continuing to report this information. Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactions and experiences between the consumer and furnisher is to be " excluded '' from consumer reporting. Again, I never consented to any of this! There are more violations, but I will stick to these for now. There is no way that any human interaction occurred during this alleged investigation! Speaking of, I never consented to XXXX, and do NOT consent to XXXX  going forward. Due to the reasons expressed above and more, I am demanding that XXXX immediately delete the disputed information. If not, I will have to seek legal council. Each and every day that goes by causes more harm and injury to me which will be reminded through monetary relief.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I want to highlight how my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681, have been violated by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In particular, 15 U.S.C. 1681 Section 602 A emphasizes my fundamental right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 clearly states that a consumer reporting agency can not furnish an account without my written instructions, underscoring the importance of my explicit consent.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) Section asserts that no consumer reporting agency may include certain adverse information in a consumer report, unless it is related to records of convictions of crimes that precede the report by more than seven years. This provision further safeguards my privacy.

Lastly, according to 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any entity to provide inaccurate information about a consumer to a consumer reporting agency. This stipulation reinforces the necessity for accurate and fair reporting. 

In summary, I believe that the actions of these accounts, as outlined in the Fair Credit Reporting Act, have infringed upon my rights and compromised my privacy and confidentiality.This stopping me to get new credit cards, get a new card, grow my business and help my family and improve my credit score.
Product: Credit card or prepaid card

I have opened a Identity thief case XXXX after found my credit score dropped down from excellent to poor. The problem was someone open Target store credit card in XX/XX/XXXX and paid couple payments a never paid balance after. In XX/XX/XXXX balance was {$470.00}. I have never open a card in Target. I am very rare using this store for purchases mostly for the business. I am in general long ago stop practicing crediting. I have opened two credit cards only for travel purposes and my payment history is more than excellent. Average I pay within month or two regardless amounts. And travel balance amounths always much more than {$470.00} and paid very quick. Why then I would open this small balance and not pay? So I filed complaint to Target and all Credit bureaus with this number and without results. My credit score is low and I am asking to investigate and help to restore my good name
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I purchase and item from XXXX XXXX. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation
Product: Debt collection

XXXX Account # XXXX The XXXX account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this