23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 a 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 XXXX 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: Consumer Loan

I purchased and financed a car from Drivetime in XXXX Fl in 2013. They have not honored their agreement to report this financed purchase to the XXXX main credit bureaus. I have made repeat calls on this issue for over one year and it still has not been resolved. I have them deduct my loan payment directly from my checking account but they still feel the need to send me payment reminders to pay my loan every month. I get a different answer every time I call with a different promise to resolve the problem. I saw the legal action you have taken against them so I thought you might be able to assist me in this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me, I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$300.00} in payment to someone who did work at our house. We had just moved out of state and he asked me to send it via XXXX. The phone number was entered wrong by ( 1 ) digit. When I contacted XXXX- they told me to contact my bank- Well Fargo. I filed a complaint that the money was sent to the wrong person and I had no way to cancel the payment. They said they would investigate it. Today, on XX/XX/XXXX, I received a letter from Wells Fargo saying they had completed the investigation and said " the transaction was completed as requested ''. This is not true. This was sent to the wrong person and now I still owe the other {$300.00}! 

There is a history of this with XXXX and other banks if you research this. At least XXXX has a more secure way to send money. I am XXXX, retired on Social Security. Please help me get my {$300.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX Creditor : ( Original Creditor : XXXX XXXX ) Account : XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment 's I've attached a copy of my report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Thank you for your understanding and prompt action
Product: Bank account or service

Was trying to use my Debit Card on XXXX/XXXX/16 and was declined. Checked online banking and received notice that my account has been frozen. I called cusotmer service and they said my account was closed but they could not or would not tell me why but no withdrawals or deposits could be made on my account. Was not given a courtesy call from the bank letting me know what is going on. Went to the branch on XXXX/XXXX/16 and was told the same thing. Yes it is frozen and will be closed and you will receive a letter and any remaining funds in the account in about 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus Equifax, XXXX, XXXX I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all the same.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Remove fraudulent accounts from my credit report.
Product: Debt collection

A debt collector by the name of XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX, XXXX XXXX and phone number XXXX has both called and written to me attempting to collect an alleged debt that is time barred and that they claim is owed to a debt buyer by the name of LVNV Funding LLC. The original creditor is listed as XXXX XXXX. XXXX uses this reference number : XXXX. 

In their own letter to me, received on XX/XX/2022, they stated, and I quote : " Because of the age of your debt, LVNV Funding LLC can not sue you for it. '' They also stated : " Because of the age of your debt, XXXX will not sue you for it. '' These two quoted statements show that XXXX and LVNV Funding both know full well that they are attempting to collect upon an alleged debt that is time barred. 

Federal courts have held that attempts to collect upon a time barred debt is a violation of the Fair Debts Collections Practices Act ( FDCPA ). 

See : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. '' Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

At a minimum I want both XXXX and LVNV Funding to cease and desist from all communications with me regarding this alleged and time barred debt. I would also like both companies to face consequences for willfully violating the Fair Debt Collection Practices Act. 

Sincerely, 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

In XXXX 2021, I agreed to lease a vehicle through XXXX XXXX of XXXX GA where I authorized the dealership to pull my credit report for the purposes of fulfilling the lease agreement. The dealership had several issues with completing their end of the lease agreement and supplying a vehicle that was contractually agreed to. When they were unable to fulfill their end of the agreement with an existing vehicle, they had to order a new vehicle from the factory. Once the new vehicle was on the lot, I was preparing to go exchange vehicles and I received an alert that my credit report had been pulled again, this time WITHOUT my written or expressed consent. This happened today ( XXXX XXXX ). This is improper use and unauthorized access to my credit file. I explicitly expressed my concerns to the dealership and have received no response as of yet. I have notified them that I was filing an official complaint with the CFPB for this unlawful practice.
Product: Credit reporting

I have called on numerous occasions in regards to the information being placed back on my credit report. I explained to rep that I was not given the notice before placing these items that I do not have any knowledge of and were previously disputed back on my report. Between XX/XX/2017 and XX/XX/2017 items were removed from my credit report. I have spoke with numerous reps in regards to this matter.
Product: Debt collection

I am disputing these debts because these were corporate accounts/corporate leases/corporate debt that I never agreed to be personally liable for. These corporate leases and corporate debts were in the name of a corporation called XXXX XXXX, XXXX. I was a corporate officer of XXXX XXXX XXXX so I signed the leases on their behalf but I never agreed to be personally responsible nor personally liable for the accounts and debt of XXXX XXXX, XXXX. These are corporate debts only. Enclosed are copies of the lease agreement for these accounts between XXXX XXXX and XXXX. Hunter Warfield is a 3rd party collection agency, who wrongfully placed this debt on my personal credit. 

Hunter Warfield gave me these leases and account statements for XXXX XXXX, XXXX. These documents that Hunter Warfield provided clearly show these debts are corporate debts for XXXX XXXX XXXX, NOT personal ones for XXXX XXXX.
Product: Debt collection

We are filing complaint against Credit Service International, XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX and XXXX  XXXX/XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, MN XXXX. 
( 1 ) Furniture was fully paid in the amount of {$2400.00} on XX/XX/19 promising that every item we bought was in stock and will be delivered together on XX/XX/19 ( 2 ) Delivery not made as promised ( 3 ) Delivery made piecemeal ( 4 ) Delivery contained damaged items ( 5 ) We were made to call customer service who were as rude as XXXX ( 6 ) Unilaterally cancelled paid extended warranty with false and baseless reasoning knowing that furniture is for home in XXXX, XXXX   and stating that as customer is moving to XXXX  even though it is nationwide coverage ( see attached copies ) ( 7 ) Why did they cancel extended coverage that we had paid for? 
( 8 ) Why did they lie? 
( 9 ) Charge for extended warranty {$340.00} had to be disputed because of unilateral cancellation by XXXX XXXX ( 10 ) XXXX XXXX had audacity to cancel warranty unilaterally but did not have honesty and integrity to give us refund. 
( 11 ) They finally refunded the amount to Credit Card Company and Credit Card Company issued us credit for {$340.00} on XX/XX/19 ( 12 ) With our persistence replaced sofa and chaise but still delivered damaged merchandise ( 13 ) My mom had to extend her stay in XXXX incurring additional expenses ( 14 ) Issue of damaged sofa and Chaise has been going on since first delivery on XX/XX/19 ( 15 ) Damaged Sofa-Chaise had to be replaced multiple times and still they could not deliver undamaged merchandise ( 16 ) We were forced to deal with most unfriendly customer service ( 17 ) We were forced to dispute charges ( 18 ) XXXX XXXX had our money and they did not have to resolve dispute. 
( 19 ) XXXX called demanding payment ( when he already had {$790.00} ) saying he has resolved dispute and began threatening and harassing on phone including entering my home and taking every piece of paid furniture. 
( 20 ) XXXX and XXXX XXXX resolved the dispute by giving unconditional credit. There was no quid pro quo. 
( 21 ) As per the letter dated XX/XX/19 submitted by you from XXXX, XXXX, the disputed amount of {$790.00} was debited. 
( 22 ) If they were going to exchange the furniture why did they resolve the dispute with credit card company? They had the money since XX/XX/19 ( 23 ) If they wanted money, why resolve the dispute and then turn around demanding money and threatening to enter my home take every piece of furniture even though it was paid for ( 24 ) The letter dated XX/XX/19 that you have enclosed contains false statements ( 25 ) Turn us over to collection agency even though credit was issued ( 26 ) They can not be allowed to keep doing whatever and however they please.
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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 a account without my written instructions I contacted this company asking for validation/verification of said debt in amount of {$440.00} dollars. proof of debt was not provided. a printout of a bill or itemized document does not constitute as verification Again the acct in question is XXXX the address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Kentucky XXXX
Product: Debt collection

HAPPY SATURDAY! - : I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

We took a car loan out from Bridgcrest Financial in XX/XX/XXXX. The account remains active with approximately one year remaining. Approximately XX/XX/XXXX, without our knowledge or input, Bridgcrest states they deleted the trade line from all credit reporting agencies ; as of today, this loan and our 100 % perfect payment history does not show up anywhere on any credit reporting agency. My first interaction with Bridgcrest regarding this was in XX/XX/XXXX, the time we discovered this had happened. Early XX/XX/XXXX the Customer Relations person from Bridgcrest called me to say they had identified the problem that caused the error and would be retroactively reporting all payments immediately. I recently received a letter from them dated XX/XX/XXXX which stated the exact opposite of the call I received and reiterates the trade line deletion. I engaged with them again several times and again was told it was an error on their part and it would be taken care of. The initial explanation was that because I filed chapter XXXX in XX/XX/XXXX, their policy is to not publicly report. I informed them I did NOT file chapter XXXX with their loan, my chapter XXXX occurred 19 months before I had ANY business with them. This loan was intended to help improve my and my husbands credit rating. They unilaterally removed reporting without our knowledge or input and they have admitted it was an error yet they have not fixed the problem. Because of this, I am about to buy out a lease which will cost me nearly9 % higher interest rate BECAUSE my auto loan with Bridgcrest does not show up on any credit report. Bridgcrest tells me they have sent info to XXXX. I have a case file on this with XXXX and again today they have stated they received nothing from Bridgcrest. XXXX agreed to reach out to Bridgcrest,  obtain the information and fix my credit report if I could provide a letter from Bridgcrest stating the account was active and payments were being made. I have asked Bridgcrest for this letter three times, I've been promised it three times and still I have not received it. I believe this is a breach of the contract I have with them. I need enforcement assistance please. Please let me know what additional information you need to assist with this issue. I appreciate your help. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to set up auto pay several times prior to XXXX in XX/XX/XXXX, Auto pay was not working and I was under the impression that the autopay was working. When I discovered the situation I paid the account back to current. Tried to set up autopay and it still did not work. I spoke with a representative on XX/XX/XXXX about the 90 day delinquent status on my credit report and was told they did not credit department for me to speak to someone directly and that I would have to file a dispute with the credit reporting service.
Product: Checking or savings account

On XX/XX/23 I did a transfer of XXXX from Santader Bank to my XXXX XXXXXXXX XXXX account, since I didn't receive the money I call them and then I realized that I did a mistake I put it a wrong account number, so the filled a claim, I was waiting until they answered that the other part didn't give any answer about it. I call XXXX XXXX and they said the claim has to be discussed between them, so I don't know who is telling the truth the only thing I know, I am losing my hard work money without any consideration.
Product: Credit reporting or other personal consumer reports

I have what they call hard inquiries with XXXX XXXX I never opened an account with XXXX XXXX and it's affecting my credit report to where I can't get a loan and my credit score is way down low because of that I don't know what they're doing I wish that they would delete deactivate whatever information that they have on me I also noticed that there's an account open with the name XXXX XXXX XXXX XXXX XXXX this is not me I want to dispute that I tried contacting them to dispute it they gave me the runaround and wouldn't help me at all and that heart inquiry is still on my credit report