23daVinci/CFPB_Complaints huggingface dataset:
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 and additionally the bank has committed to updating the status to open/never late. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account XXXX XXXX  XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and CAPITAL ONE on XX/XX/XXXX
Product: Credit card

Between XX/XX/XXXX and XX/XX/XXXX I made {$18000.00} worth of purchases from XXXX for tv mounting services, 10 XXXX TVs and 4 cameras. XXXX XXXX sent me a email stating they were going out of business and advise us to contact our bank ( cash Ap ) for a refund. I contacted Cash app XX/XX/XXXX to dispute the charges and less then 24hrs they denied my claims without even reaching out to the company to get my funds
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681c2 that you the consumer 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 consist of 2 personal credit card accounts. A XXXX XXXX account was opened in XX/XX/XXXX ( ACCT # XXXX ) for {$730.00}. A XXXX XXXX XXXX in XX/XX/XXXX ( ACCT # XXXX ) for {$970.00}. An auto loan in XX/XX/XXXX with XXXX XXXX ( ACCT # XXXX ) for {$12000.00} and a personal loan from XXXX XXXX in XX/XX/XXXX ( ACCT # XXXX ) in the amount of $ XXXX accounts have resulted in several fraudulent chargeoff accounts being reported to my XXXX XXXX Report. Ive attached a list of all the fraudulent accounts on my credit report. The aforementioned accounts, chargeoffs, that are on my credit report I do not recognize. These accounts werent opened, made or initiated by me. All these accounts are the results of identity theft and fraud. I have attached a copy of the FTC ( IDENTITY THEFT CRIMINAL COMPLAINT ) case # XXXX as proof from the XXXX FEDERAL TRADE COMMISSION that all the aforementioned accounts are the results of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As of XX/XX/2022, incorrect personal information is still being reported to my credit I have only ONE address that has been my address for over SEVENTEEN years. I have NO previous addresses. Credit bureaus XXXX, XXXX AND EQUIFAX COMPANYS keep reporting inaccurate personal information and addresses. Multiple attempts have been made with all bureaus to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX and Experian back in XX/XX/2018 in regard to this account reporting in accurate. This account was authorized under another individual name. I explain to XXXX   XXXX  that I was release of all responsiblity with this vehicle by a written agreement with the owner and should not be liable since I contacted their company in regard to this matter before hand. The dealership was aware I asked to be removed prior to the final signing from all responisbility of this vehicle. Because of the high interest and fortune to pay back terms. XXXX XXXX has fail to provide me all or any documentation to prove the outstanding balance exist and the written agreement that I'm obligated for this loan. I'm requesting this account be removed from my credit report immediately and this company be investigated into their lending practices.
Product: Credit reporting or other personal consumer reports

I submitted through certified mail ( can get tracking if needed ) an affidavit, and police report along with a letter to Transunion about identity theft happening to me. They refused to follow FCRA 605B ( 15USC & 1681 c-2 ) which mandates the removal of this information within four business days upon receipt. When XXXX, and XXXX had no issue accepting the documents given to them as the FTC states to. 

All they did was send a letter ( also attached ) with no evidence for this cause or reasoning. 
Why would this be in error if we got the affidavit notarized and a police report with explanation of what happened including who the person who stole my identity is.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to covid i recently obtain a copy of my credit report and noticed accounts i did not authorize
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ending in # XXXX was closed on XX/XX/year> due to me missing payments that were due to the death of my mother. As of the date of this inquiry, despite me disputing it as closed, they continue to report the account as open to further damage my credit despite me attempting to rectify it with them. I have disputed it on my XXXX, XXXX and Trans Union reports, XXXX now reports it accurately. This is a blatant attempt to damage my score. I simply want them to report it accurately as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the XXXX XXXX. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, or personal loan

A XXXXXXXX XXXX used my name and social security number and add me as a cosigner on a loan and filed XXXX  XXXX I contact the bank, and they refuse to do anything about it
Product: Checking or savings account

I have tried some banks and tried opening checking accounts and got rejected due to XXXX, however XXXX reports is clean as I requested and went over with representative. Opened a checking account at chase and one week later they call me saying I had an account before with bad checks that they would have to close it I HAVE NEVER HAD CHASE BANK EVER. I had the same issue with XXXX and XXXX XXXX.
Product: Credit card

I have two credit cards with Capital One I was involved in a car accident in which I substained a severe concussion in which I am in a concussion Center. I followed up with Capital One and advised them of my situation and advised to be set up on auto payment to pay off my credit cards One credit card when I first received it was a {$300.00} balance the other was a {$500.00} card consistent payment have been made with the {$300.00} balance card however I was charged in extreme amount in which I paid the company {$420.00} with payments still owed of XXXX way more than what I even borrowed the representative that advised they set both cards on auto payment did not set the second one up in which the card for {$500.00} plus interest increase to me having to pay over {$700.00} for this card I have paid XXXX to get this balance down but was blindsided by the company that tacked on additional interest and fees. I find it really disheartening that when you call the company and advise of your situation you're being told that things are set up and they weren't leaving you in debt and if I haven't called today they would have charged off the account as I was assuming it was being taken out as my other card has been charged and paid on going. I was told on Monday by a customer service representative that if I paid {$230.00} the {$500.00} card would not be charged off however when I did call today I was advised if I paid them {$230.00} it would still be charged off as a single mother with multiple issues and a brain injury from a car accident I should not have to worry about if my credit cards are being paid for when I requested for it to be set on auto payment I'm unsure how one card was on auto payment with the same XXXX  debit card and not for the other. I spoke with a manager and he advised basically there was nothing he could do so now I'm left with a mountain of debt that technically has been paid but I'm being overcharged for interest and late fees that were of no fault to my own but from the company.
Product: Credit card or prepaid card

Hi! 

We bought XXXX gift cards from XXXX worth {$750.00} ( XXXX ) as a wedding gift to our best friend 's wedding. 

The cards were purchased on XXXX XXXX. Our friends when they tried to use the card a few weeks later but to their surprise they noticed that {$500.00} gift card already had multiple transactions charged for small amounts by XXXX totaling {$490.00}. 

On XXXX XXXX our friends initiated a dispute with the vendor and they were told to wait for 90 days. On XX/XX/2022 the vendor came back stating that there was no fraud detected on the card and we were advised to contact XXXX to check on their side. 

On XX/XX/2022 XXXX also replied and stated that they were not able to detect the fraud and money will not be refunded. 

Now after all these months of struggling with multiple vendors we still have not received any refund.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXXXXXX XXXX  XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX - XX/XX/year> XXXX
Product: Debt collection

Navy fcu {$16000.00} XXXXXXXX XXXX. Calls made to me back to back none stop letters in the mail sent to old address. 

{$2300.00} XXXX XXXX calls made me none stop letters sent back to back non stop.
Product: Debt collection

Never did bussiness with this company in the amount of {$10000.00}. I never did a contract with this company. i never heard of this company. They must have me mixed up with someone else. This is damaging my credit
Product: Vehicle loan or lease

I previously submitted a complaint ( XXXX ) against Flagship Credit Acceptance , I uploaded all of the documentation including correspondence to them and from them, copies of my affidavit of facts which was notarized, and green receipts, to which they replied my request was frivolous, they said this dispute was previously investigated which in fact wasnt, and they also stated that they reasonably believe that my dispute was prepared for me by a credit repair organization. I am a consumer and I know my rights, I do not need a freaking organization to fix what is not broken, Flagship has violated my consumer rights and I have found the violations, I have stated my demands, and I have sent a copy of my bill of particulars that I am owed. This needs to be resolved now, this company is taking full advantage of consumers that do not know their rights and now I am aware of mine and will continue complaining about their violations without the need for any help from no credit repair organizations, which if Flagship keeps mentioning I will educate them how credit repair organizations also violate consumer rights. I feel offended at the fact that I can not use the appropriate verbiage and/or cite codes because Flagship deems it frivolous. Flagship is a fraud, has caused me emotional stress, has caused me money and hardship, they need to be held accountable for their false advertising, false and deceptive forms, I AM A CONSUMER AND I AM EXERCISING MY XXXX RIGHTS THAT FLAGSHIP HAS DECIDED TO CALL XXXX FRIVOLOUS. 
I have done my administrative process, I have my exhibits and if this is not resolved through CFPB I will gladly scale this to court and continue my process until I get my remedy. 

THE UPLOADING PROGRAM DOES NOT LET ME UPLOAD ALL OF THE DOCUMENTS AND EXHIBITS BECAUSE IT IS LARGER THAT THE ALLOWED SIZE
Product: Vehicle loan or lease

I leased a new Toyota from Toyota XXXX XXXX in XXXX on XX/XX/XXXX. When the lease paperwork was drawn up, I was signed up for GAP insurance without being asked if I wanted the product. I did not need or want GAP insurance since I pay for it separately through my auto insurance policy. 

I contacted Toyota Financial Services ( TFS ) on XX/XX/XXXX to cancel my GAP. TFS stated the refund would be applied to my capitalized cost at the end of the lease. They stated they could not cancel the GAP over the phone and asked me to send a fax instead. I sent a fax via email on XX/XX/XXXX to Toyota Financial services asking them to cancel my GAP insurance. 

When I contacted TFS for the lease payoff amount for my vehicle on XX/XX/XXXX the capitalized cost did not include the refund of my GAP. I contacted TFS again and was advised they received my fax asking for GAP cancellation, but they alleged I did not sign the fax. I advised I sent an email by fax and emails don't require signature verification. 

I asked Toyota why they did not contact me in XX/XX/XXXX if they needed more information on my fax request. TFS said they get too many GAP cancellations and they are too busy to provide basic customer service. I asked the agent to have a supervisor contact me to discuss. I never heard back. 

I allege Toyota uses deceptive practices to sell this product, then makes it extremely difficult to cancel when customers realize they bought something they did not want or need. I should have been able to cancel GAP over the phone like any other insurance I have purchased. Few people have fax machines this day and age and Toyota is deliberately creating unnecessary hurdles to impede customers in their right to cancel. Furthermore, if Toyota needed more information on their antiquated process involving faxes, they should have reached out to me and let me know. 

At this juncture, I expect a refund from TFS in the amount of {$570.00} for GAP I did not ask for or need, and later tried to cancel unsuccessfully due to a process that is designed to make it unnecessarily difficult to cancel.
Product: Checking or savings account

I recently had to dispute multiple charges on my debit card after it was stolen from a restaurant. PayPal not only denied and refused to raise these claims, they actually completely closed out my account and locked away over {$1200.00} in funds. I have had a PayPal account for many years and have had it reviewed in the past with no issues, the problem is they are saying the account is closed indefinitely, and that all of my funds are going to be held for 180 days. I am a small-small business that is just me, myself, and I. I need this money released to be able to purchase items for the customers orders. Customers are not going to wait 180 days to be able to get their orders fulfilled ( what PayPal is telling me it is going to take 180 days ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a late payment reporting in XX/XX/2019 on my credit file that is not correct and i have been trying to get them to make it right but they refuse stating that it is accurate for acct # XXXX.
Product: Debt collection

I was contacted by ProCollect regarding an apartment that I gave early notice to due to health and safety reasons among many others. I told ProCollect I didn't agree with the charges and they told me to fax them a letter of denial/appeal, which I did. I faxed this letter of appeal on XX/XX/XXXX. I called to check on the status of my appeal and was told by Ms. XXXX at extension XXXX that she didn't see my letter in the system yet but not to worry as it takes time to get put into their system for the collection agents to see that. She said they would call me back. Next call I get from Pro-Collect was from an agent that knew nothing of my appeal letter and didn't seem to be interested in looking for it so I asked to be transferred to Ms XXXX but was hung up on instead. I tried calling back but was rudely put on hold till I finally hung up as i had no more time that day to hold. The very next day I get an alert from XXXX XXXX that a collection was put on my credit. This company denied me my right to appeal this debt before damaging my credit. I am a good steward of my credit, and this is the only blemish I have and it was put there in denial of my rights. I am outraged that these companies are allowed to operate as if they make the laws, and people have no rights. I am sure that my rights have been violated. My appeal was never heard before damaging my credit for the next 7 year of my life. I can provide the appeal letter sent to them as well as proof of fax that I received showing it went through to them. As I am writing this, Pro Collect called again and care nothing of the fact that I sent them a letter of appeal. They are like robots that read a script and threaten you without actually listening to anything you say. Shame on these people, and shame on a system that allows people to be treated so poorly. I have excellent credit and have never defaulted on anything in my life. These collection calls are new to me, and I am now realizing how people are treated as if they have no rights. This is barbaric and has got to stop.
Product: Credit reporting or other personal consumer reports

I have sent over all request to Transunion for them to update credit accounts on my file, each time I call I was told to send something else over and over again. On XX/XX/2023 I was told to send a copy of the list from the Court to show creditors for the to correct the accounts on file. I have attached to this complaint.
Product: Credit reporting or other personal consumer reports

I was 90 days late on payments unknowingly, never received a letter in the mail or phone call and emails were going to the wrong address. I just had a child so life kind of got busy, but when I did log in remembering to check it I saw I was late, made a XXXX dollar payment XX/XX/XXXX and within minutes several of my credit apps went off with alarms showing I had just received an almost XXXX point hit to my credit. They claim to have been reporting the entire time but I have documentation on credit apps showing other wise from XXXX, XXXX, XXXX XXXX and a few others. My score dropped the same date and time I payed XXXX dollars towards the debt. I paid an additional XXXX on the XXXX of XXXX to get my account current and took another hit on the XXXX because of their processing times pushed the payment past their due date of the XXXX of the month. I paid an additional XXXX to get ahead by 4 months. I called on XX/XX/XXXX and XXXX and asked if they could update with the credit companies to show my account as current which it is. They said no they will only report at the end of the month. When all of this happened I was in the process of getting a mortgage. Due to the initial hit my mortgage application was denied. While I understand that Aidvantage follows a standard reporting schedule, waiting 30 days to update my account is unreasonable given the circumstances. I have already paid over {$2000.00} to bring my account current, with an additional {$1400.00} to pay it 4 months into the future. this delay is actively preventing me from securing a mortgage. The home Im trying to purchase is at risk of being sold, and this delay is putting me at a significant financial disadvantage through no fault of my own. Accurate reporting should not be delayed due to internal procedures when the information is already available and verifiable.
Product: Debt collection

all inquiries on my report shall be removed permanently all late payments removed permanently an all credit utilization shall be removed permanently from my report due to the fact i have not given any written instructions to furnish anything on my report Because of this improper reporting they violated 15 usc 168 ( a ) ( 4 ) -Accuracy and fairness of credit report, to which the consumer agency has to respect my rights to privacy. also they have violated 15 usc 1681a ( 2 ) ( i ) -Exclusions, the consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report, reporting payment history an credit utilization violates my consumer rights. they also have violated 15 usc 1681b- Permissible purpose of consumer reports, the consumer reporting agency can only furnish information In accordance with the written instructions of the consumer to whom it relates and i have not given my written instructions. also Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, to which they have not done on my behalf which has caused me great pain an suffering due to the fact i cant obtain a loan for {$30000.00} that i needed for a new home.