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

This vehicle was repossessed by Prestige Financial in the State of New York on or about, XX/XX/2016, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reported account from XXXX XXXX  on my credit report that is too old. The first delinquency has already exceed 7 years in XX/XX/2020. XXXX  and XXXX  deleted from my credit report on XX/XX/2020 but problems with Equifax as usual. Its not like the creditor tells credit agencies okay go ahead and delete from XXXX  and XXXX  but not Equifax. Equifax needs to follow FCRA and remove old information. I have proof that it has been deleted from XXXX and XXXX. I am not saying the debt is not valid but I am saying that Equifax needs to follow the law. They are not supposed to be reporting debit that is over 7 years old. Equifax should not be able to report incorrect information. Everyone always says they hate dealing with Equifax and wish there was another credit bureau that would replace Equifax. They lie, misreport information, and are difficult to deal with. My credit score are like 60 -85 points higher with XXXX  and XXXX,
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX Experian and XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete information to my consumer report According to 15 U.S. Code 1681, all information that is reported to my consumer report has to be accurate and timely. The items that I have listed below do not belong to me and I am requesting them to be removed. 
XXXX. XXXX XXXXXXXX XXXX [ XXXX ] XXXX. XXXX XXXX [ XXXX ] XXXX. XXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX ] I had nothing to do with these accounts I did not authorize any of them sometime ago, I end up losing my Social Security card and I believe I am a victim of identity theft Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with XXXX and Auto Now Financial Services on XX/XX/XXXX the company is inaccurately reporting information to my credit report and continues to report late payments on a repossessed auto loan, not only has this company taken $ XXXX from me but when hit in a time of hardship repossessed my vehicle and sold it. Somehow after paying them $ XXXX in the past two and a half years I still owe them $ XXXX and they have no sympathy for my situation and took and sold my vehicle. Now they are inaccurately reporting to the credit bureau and making my credit score decrease. The company has not returned my personal property even when I have requested information on how to retrieve it. When I asked them to send me a detailed description of the amount I owe because it does not add up and a record of sale of the vehicle they stated that it would cost {$10.00} for them to do that. This company has such terrible business practices and does not care for their loyal long term customers. You would think that when someone pays you {$500.00} plus fees a month over the course of two and a half years youd work with them. I always have made the high overpriced payments every two weeks and when I fell behind i always got the loan caught back up. This company harasses me everyday for their money, but Ill tell you like I told them, THEY WILL NEVER SEE ANOTHER DIME FROM ME AFTER THEY REPOSSESSED MY VEHICLE. So either they stop reporting fabricated information to the credit bureaus or I will sue them. They should be shut down for their unfair practices, I was XXXX years old when I signed a loan with them, not once was I under the impression I would be paying $ XXXX for a XXXX vehicle with XXXX miles on it. I was under the impression the loan was for $ XXXX all together and according to XXXX the salesman the loan would be paid off in two years, after reading my loan documents a couple months after purchasing the vehicle I noticed a page that XXXX did not put much attention to, it stated over the life of my loan Ill have paid $ XXXX for a car with XXXX miles on it that was 4 years old. That is downright ridiculous, I could have bought a brand new car for that amount of money. I am so frustrated with this financial burden and I truly hope nobody else is ever put in my position by this company BUYER BEWARE on XX/XX/XXXX Auto Now Financial Services sent ME an email stating I was {$600.00} behind on my payments, but they reported to XXXX that in XXXX I was only {$300.00} behind, then when I disputed that and the fact that the vehicle has been reposed they certified to XXXX that the information is accurate when I have hard evidence that it is not. I have submitted my evidence to XXXX and am waiting for their response. Liars and thieves thats all Auto Now Financial Services is, thats all they ever have been since I have had a loan with the company they just lie and lie and lie. Unfair business practices, unfair interest rates, and unfair pricing on vehicles.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail tracking XXXX XXXXXXXX to dispute inaccurate items on my credit report. To verify my identity, I included supporting documentation, such as a copy of my photo ID, Social Security card, and a recent utility bill showing my current address. According to XXXX tracking, TransUnion received my dispute letter on XX/XX/year>. 
Despite providing all necessary information, TransUnion has failed to acknowledge or act upon my dispute. It has now been more than 30 days since my submission, and no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 
I am including a copy of my dispute letter sent to Transunion and XXXX certified mail proof of delivery as evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nd XXXX The date is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer report lists a " developed name '' / '' former name '' ( XXXX XXXX XXXX ) for me that is not, nor has it ever been my name. " XXXX '' is my husband 's last name but I have never used it ever for any purpose.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX went to a Capital One Bank cafe to make a payment to prevent my account from charging off. I place {$30.00} in the machine well I never received a receipt showing that the payment was credited to my account. I went over to tell an ambassador which is there version of a customer service person. I told them about I was told to call Capital One Banks customer service on Monday morning. I called customer service that Monday they told me to go back to the branch its there problem they have nothing to do with the servicing of the machines. I went back to the branch and I was told its an customer service issue. I'm in Massachusetts Capital One Bank dose not have full service branches if they did this most likely would not have happen or it would have been handle better. This is a mini branch inside of XXXX 's XXXX XXXX  they have several locations in the XXXX area. The issue is my account has charged off.Now I owe money on the credit card that is not the issue the issue is the {$30.00} payment to avoid the charge off never posted to my account the machine never printed out a receipt showing that the payment. Now Capital One Bank has sent me to an collection agency. I spoke with XXXX on XX/XX/XXXX I mentioned that there should be security footage for XX/XX/XXXX the day the payment was made a long with the other times I went back to XXXX 's XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's regarding the 2 derogatory Mark 's on my credit report from a hospital, XXXX XXXX Hospital, or that is where it came from. I was taken there on XX/XX/15 by force and forced to stay without my concent. The rest of the hospital bill was removed after investigating but these were not!!!! Please REMOVE them from my credit bureau because they do NOT belong there!!! I thank you for your help this has been a long and STRESSFUL process to get these remarks removed. PLEASE HELP ME!!!!! 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX
Product: Credit card or prepaid card

Credit Karma falsely offered me 90 % success rate on multiple credit cards, causing unnecessary credit checks and ultimately a decrease in score.
Product: Student loan

I want to dispute the few month period were my payments were late, I just paid off the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent credit inquiries on my credit report XXXX/XXXX   Inquiry from XX/XX/XXXX this account is fraudulent and I would like it removed off my CREDIT REPORT ASAP BECAUSE IT DOESNT BELING TO ME AND IS FRAUDULENT.

Also there are other fraudulent accounts on my report and I want them removed at once these accounts are fraud and do not belong to me and I would like them removed from my credit report at once XXXX Reported : XX/XX/XXXX + {$420.00} XXXX XXXX Reported : XX/XX/XXXX {$390.00} XXXX XXXX/XXXX Reported : XX/XX/XXXX {$420.00} These accounts are all fraudulent and I want them removed I keep writing these companies but they have yet to be removed for my credit report. These are amfraud and do not belong to me please remove them at once.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

hi there again, we are having an issue with our bank, that's why i opened a bank account. But unfortunately my old bank hold my money. they never pay our mortgage, so what happened. i called up them, coz my nephew XXXX XXXX, that his credit score went down to XXXX points. And he aware XXXX  we have some difficulty paying mortgage last XX/XX/XXXX. Now, it happened happened, my previous bank never pay our mortgage on the XX/XX/XXXX. So, it was returned, I called up Mr Cooper from Customer Service to dispute the reported to Credit Bureau for missing a month payment, last thursday at XXXX XX/XX/XXXX. Just to verify if they reported us to the Credit Bureau. Per their customer service, they never reported us especially my nephew XXXX XXXX, nothing to dispute. So, again wrong confusing information. Yesterday i spoke with XXXX, she connected me to Loan Litigation, that person name XXXX, he intimated me that they will reported us for delinquency of mortgage payment. Instead of giving us some option, he trying to scare me, which made my XXXX XXXX XXXX. Honestly, my concern only not to be reported to credit bureau for my nephew XXXX XXXX, XXXX he has plan to relocating soon. We are about to do Loan Assumption but they giving us a hard time/difficulty. So, we don't proceed anymore. Our plan is to do " Refinance '' next year so it will totally transferred to our name, since our deed has been transferred to us only the mortgage was not yet. 

All i want is to give us the right information. they need to train their people how to deal with us, if we need to be feel comfortable not to worry. And need consideration. We will never go back to foreclosure issue. It's just i had issue with my bank. Need a consideration, not to intimate or feel scare what will happen to my nephew 's credit score. Need them to be informative, to be trained and give some option, if we need some help not to feel us scared. 

We need help, to let them understand customer 's personal issues. Be understandable, we will not allow to loose our home, it's just need a little consideration. Not to report us to credit bureau already.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX, XXXX issued three refunds. The refunds were for amounts {$160.00}, {$93.00}, and {$46.00}. 

These refunds never posted into my Chime Checking Account. 

On XX/XX/XXXX, with help from support. I initated three different chargeback disputes. One for each refund. With each dispute I added multiple forms of XXXX claiming to have sent the refund. This includes chat logs with regular agents, supervisors, account specialists, and payment specialist, and emails from both customer service and Executive Customer Relations. All the specifically declare the refund was sent on XX/XX/XXXX. 

XX/XX/XXXX, My dispute were declined for unspecified reasons. When I requested the documentation and reason behind their decision I was met with silence. They did provide a ticket number for the issue being unsolved.
Product: Money transfer, virtual currency, or money service

Unable to have PNC connect to 3rd party money savings account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt with XXXX, Transition, and XXXX. All 3 Credit Bureaus are reporting incorrect information on ALL Positive and Negative accounts. I have sent 2 letters Certified Mail and these issues are still incorrect. The 3 Credit Bureaus responded the at the dispute has been verified. I had called the Positive and Negative accounts from my credit file, and actually received the CORRECT information. The 3 Credit Bureaus had lied and said they have all been verified.

I know my rights under : 15 U.S.C. 1681 Section 602 A. I have the right to Privacy 15 U.S.C. 1681 Section 604 A. A consumer reporting agency can not furnish an account without my written instructions.

The open dates are still inaccurate, the date last active is still inaccurate, and the date last reported is inaccurate. This is grounds for removal and the 3 Credit Bureaus violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as XXXX XXXX  and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 1XXXX XXXX locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Product: Vehicle loan or lease

I returned my XXXX to XXXX XXXX and now I am seeing I have a balance of XXXX I have no idea what this balance is for. I have paid up my lease till the end. 
I want them to close the account to XXXX and no further collections or credit reporting. I have no idea what this balance is for
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice To Cease and Desist This is a notification in writing to inform TransUnion to cease and desist all defaming I am XXXX XXXX XXXX XXXX XXXX XXXX veteran, I recently completed my XXXX XXXX. I am not only a veteran I am a 100 % Permanent & Totally XXXX Veteran and I have spent my life building a positive reputation in my travel across the world representing our country. Nevertheless, whether knowingly or unknowingly you have been spreading information that is damaging to my personal and professional character. 

Under the law, it is unlawful for a person to make statements that intend to harm a persons reputation without factual evidence or based on hearsay. 

The Defamatory information being published include, but is not limited to, derogatory information in the following accounts found Accounts with Adverse Information : Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I stated I am a XXXX vet and I have a hard time maneuvering in this world physically and mentally due to my injuries. Your reports are carrying my injury luck over to my reputation. I am unable to obtain adequate housing or transportation. The reports have led to higher interest rates and payments. This strained my family and led to my divorce because of the financial burden. Now my children must grow up in a broken home. 

If you do not cease reporting all adverse information related to these accounts a deformation of character lawsuit will be commenced against you. 

In addition, this shall serve as a pre-suit letter demanding that you provide us written assurance within 30 days that you will cease and desist from reporting further adverse information. 

If you do not comply with this cease-and-desist letter within the aforementioned period then a lawsuit may be filed in the proper jurisdiction seeking monetary damages as well as pursuing all available legal remedies for your defamation.

Send all correspondences through the CFPB Consumer Financial Protection Bureau.

This Crease and Desist notification shall be complete upon receipt.

I am a child of the Most High, called XXXX XXXX, I do not have legal representation. 

Sincerely, XXXX XXXX XXXX