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

On XX/XX/year>, I filed an identity theft report with the FTC, naming an account with XXXX ( XXXX XXXX ). Despite repeated disputes and CFPB complaints and an ID Theft report, TRANSUNION and XXXX have failed to remove the tradeline, while XXXX deleted it promptly. XXXX has also not addressed the identity theft properly, continuing to report the inaccurate account without validating the alleged debt, in violation of the FCRA and FDCPA. Despite requesting a cease in communication, unauthorized reporting persists, causing ongoing harm to my credit profile and significant stress.
Product: Vehicle loan or lease

I had a vehicle, a XXXX Kia Forte vehicle financed with Kia Finance USA that was involved in a total loss collision on XX/XX/XXXX, I notified them of this loss immediately and pre their request I continued to make the payments for XXXX and XXXX while waiting on the insurance settlement, GAP payment and refund of the Credit Life and Warranty. They received the payments, primary insurance in XXXX, and the remainder in XXXX. After receipt of their payments they informed me that they would send my balance within 45 days, on XX/XX/XXXX, I received a check for {$900.00}, that check should have been for XXXX, apparently they deducted for some kind of charge that was not made aware of to me, I believe they owe me more than the amount they sent me, I was on the phone with numerous departments there on XX/XX/XXXX and we could not resolve this problem. So I am going through your office in an effort to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with XXXX fraudulent account and fraudulent inquiries
Product: Credit reporting or other personal consumer reports

My right to privacy is of utmost importance, and I am asserting this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully responsible for upholding your duties with fairness, impartiality, and respect for the consumer 's right to privacy. I am invoking this right as specified by the law. Please ensure that all information in this matter is treated with the highest degree of fairness, impartiality, and respect for my privacy.

Under 15 U.S. Code 1681b, regarding permissible purpose, I have never given this company authorization for any such purpose. They are in direct violation of this statute. I request that these accounts be removed from my report immediately as it is damaging my reputation, character, creditworthiness, standing, capacity, and more. Since it is your duty to protect my privacy, I need this issue resolved with urgency. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX Account # XXXX ( XXXX Account # XXXX ) ( XXXX Accounts XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXXXXXX XXXX Account # XXXX ) has violated my rights! and feel i am being taken advantage of 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! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Debt collection

Portfolio Recovery Associates has claimed I owe them {$680.00} on a charged-off XXXX card. A ) the account was charged off, B ) They have never provided legally sufficient proof of this. Further, they remove then reinstate the debt WEEKLY on my credit reports in order to extend the time it stays on my credit report. This has the effect of keeping my scores artificially low, and negatively impacts my financial status.
Product: Debt collection

I have no knowledge of this debt, and have not been sent any information on it, I just received a {$1300.00} collection on my credit with no bill statement or further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

am contacting you to request the removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this would constitute a direct violation of the FDCPA and FCRA. I kindly request that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. Please take immediate action to remove these accounts and information.
Product: Vehicle loan or lease

I am reaching out for help again. Ally Auto has sent me a notice that they intent repossess my vehicle after XXXX the XXXX. I am HAVING A FINANCIAL HARSHIP. I am only working one job now ; I was working 3. I am not able to work 3 right now. Over and over, I have asked for help. I am at the very end of my loan and at this point I believe they just done care. Because I have been asking for help for over a year and a half, I have incurred Late fees because I have been denied help to catch up. I Paid XXXX $ on XX/XX/year>. Now as it stands, I owe, XXXX from XXXX which I can Pay on the XXXX When I Get Paid. Then I owe XXXX for XXXX, and then XXXX XXXX is Due on XX/XX/XXXX. Which should be the last payment, but it is not because I keep getting late fees. The late fees in total are XXXX. I work and I get paid every two weeks like everyone else, but I still have basic Mortgage and gas and electric like everyone else. So, once I pay XXXX $ and XXXX $ I get phone calls and messages like I have magically gotten some more money outside of my pay. If I had it right away, I would gladly pay it right away. As I said I am not working the other two jobs I was working. I am trying to catch up I just need some help and time, and I have another complaint that they haven't even responded to, and I haven't heard or received a email from anyone. But I am in financial Hardship. The earliest I can get some type of Payment in is XX/XX/XXXX if they put my check in early. But I am asking for help Please.
Product: Credit reporting or other personal consumer reports

After a thorough review of my credit report, I have identified the following inquiries that I did not authorize and request their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company, Credence Resource Management is trying to collect a debt that is not owed. Years ago, I had an account with XXXX XXXX. The account has been closed and paid in full. After closing the account, we were hit with Hurricane Harvey and there was a delay in the equipment being returned. Since then, the debt has been cleared up and has a XXXX   balance. This is the 3rd company that has now tried to make me a pay a deb that isn't even valid for XXXX XXXX. Please note that I also was an XXXX XXXX service member when the contract was cancelled and that was the reasoning in cancelling contract. This debt is bogus.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX + XXXX + TransUnion, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of XXXX  days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - Copy of my drivers license - Copy of my social security card - Copy of my address- Copy of my written complaint
Product: Student loan

Student Loan Financial Assistance located at XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX and XXXX solicitated me over a robo call claiming to be the US Department of Education and promising me if I paid {$1400.00} to them my loans will be forgiven and wiped off my credit report immediately after payments have been rendered. I paid the payments and their processing department forged my electronic signature and sent out a forbearance to my current loan servicer XXXX XXXX without my knowledge or consent to put my current loan payments on hold.
Product: Credit reporting or other personal consumer reports

Issue : XXXX XXXX XXXX XXXX has unlawfully manipulated my credit report and violated the Fair Credit Reporting Act ( FCRA ) by : Reaging a charge-off account on my credit report. 
Penalizing me for disputing the charge-off by causing a XXXX drop in my credit score without justification. 
Description : On XX/XX/XXXX, I reviewed my Experian credit report and observed that a charge-off account from XXXX XXXX XXXX had been updated with changes to its payment history. This alteration occurred following my lawful dispute of the account, which should not result in punitive measures or changes that harm my credit score. Attached, I will include the following evidence : Screenshots of my credit score before and after the dispute showing a drastic and unjustified XXXX drop. 
Comparisons of my Experian credit report before and after the dispute, highlighting the altered payment history. 
These actions are violations of the FCRA, as creditors are prohibited from " reaging '' accounts or altering account history to extend negative reporting periods. Additionally, penalizing consumers for exercising their legal right to dispute information under the FCRA constitutes an unfair practice. 

FCRA Violations and Supporting Case Law : Reaging Account History The FCRA ( 15 U.S.C. 1681c ( a ) ) specifies that negative information, such as charge-offs, may only remain on credit reports for up to XXXX years from the original delinquency date. Reaging a charge-off or manipulating its payment history is prohibited. 

Case Reference : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX ( XXXX. XXXX XXXX ) : XXXX was found liable for inaccurate reporting practices and fined for reaging an account. 
Punishment for Dispute Consumers are protected from punitive credit reporting practices for filing disputes under the FCRA ( 15 U.S.C. 1681i ). 

Case Reference : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) : XXXX paid damages for failing to investigate disputes accurately and penalizing the consumer. 
Failure to Correct Errors After Dispute The FCRA requires creditors and credit bureaus to conduct a reasonable investigation and remove or correct inaccuracies promptly. 

Case Reference : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ) : XXXX was penalized for not promptly addressing consumer disputes regarding inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email that Citibank lowered my limit on my XXXX credit card from {$5500.00} to {$3300.00}. I rarely use the card and most often remains at a {$0.00} balance, but had just recently made some purchases, of which is being paid off within the next 30 days anyhow, however, the limit they lowered it to was barely over the new current balance. The statement period then ended a few days later ( statement period ended XX/XX/XXXX ) and a small interest charge then applied, but my balance was still below the new reduced limit of {$3300.00} ( with the new interest charges, the balance was {$3300.00} ). Aside from the fact the lowering of the limit then lowered my score by XXXX points ( lets note how absolutely counter productive that is to lower a limit due to a random score review simply because a card is used, to which then only causes the score to lower more! ), I then received an alert today XX/XX/XXXX that my score was lowered even more because they were reporting my card limit as {$3300.00}, not {$3300.00}, and with the new balance as of statement end date of XX/XX/XXXX being {$3300.00} it was reporting as over my limit to which then caused my score to drop an additional XXXX points!!! So not only did lowering my limit for no true cause my score to lower, but now Citibank is inaccurately reporting my limit as even lower AND that I am over my limit!! Which is absolutely untrue!! So this is either fraud or incompetence, either way needs to immediately be corrected. This has impacted a home refinance I am currently undergoing and if it does not go through due to this, my next stop is an attorney! Note : Ive had this same card with the same limit for over 6 years, never been late, rarely carry a balance and almost always pay in full within 1-2 months max. None of this recent actions are justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau has reported a chapter XXXX bk on my credit report and they say they are verifying their Information from the court I have a letter from the court stating they dont and havent reported information regarding me to anyone but they wont stop reporting this unverified information.
Product: Credit reporting or other personal consumer reports

Despite AMEX 's investigation 's findings regarding payments for Account Ending In : XXXX from my XXXX XXXX Bank account, it is essential to recognize that fraudulent activities can occur without the account holder 's knowledge or consent. 

Furthermore, I must express my disappointment in the outcome of the AMEX 's previous fraud inquiry conducted on XX/XX/XXXX, and the subsequent investigation initiated upon receipt of my CFPB correspondence on XX/XX/XXXX. Despite providing documentation such as the Identity Theft Report, copy of postage, and Police Report, the decision remains unchanged. 

I reiterate that I take fraudulent use of accounts seriously and am committed to resolving this matter. The cancellation of the account, as indicated in AMEX 's your letter dated XX/XX/XXXX, underscores the urgency of addressing this issue promptly and fairly. 

Given the circumstances surrounding this account and the ongoing dispute, it is plausible that these payments may be the result of fraudulent activity.
Product: Student loan

I have been calling NelNet since XXXX to get my loan status changed from IN SCHOOL to the repayment plan I selected. XXXX of my loans are on the repayment plan but XXXX of them say I am still in school. I have been calling NelNet several times a month since XXXX trying to get them to help me after confirming with my school that they have released to the loan provider that I have graduated. on XX/XX/23 I called Nelnet and was again told by a customer service agent she could not help me and I had to call my university. I called my university to confirm they had released me and they said they had. I called NelNet again and some other customer service agent put in a " Request '' on my behalf to remove those loans from IN SCHOOL status to the repayment plan but that will take XXXX weeks. The problem is that I have a payment due with the XXXX PLAN on XX/XX/XXXX but even if I make a payment the loans that are marked as IN SCHOOL will still accrue interest even though I am no longer in school and want those on the repayment plan so there is no benefit to me making this payment. I am so frustrated at the lack of help that NelNet has provided and the inability to get things accomplished with in a timely matter. I am being punished and charged interest for something that is completely out of my control. I need HELP and I need someone that has answers or I will continue to be charged interest on top of XXXX XXXX payments which is not acceptable.
Product: Debt collection

XXXX  / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX / {$680.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with XXXX. Both the Equifax Data Breach of XXXX, and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at buying a home or securing a solid credit card.
Product: Credit reporting or other personal consumer reports

I am raising a formal complaint regarding the inaccurate reporting of account # XXXX on my credit report. Despite my previous attempts to resolve this matter by providing evidence, the errors persist, and I received a generic response that failed to address the issue. The account is inaccurately reported as having a credit limit and past due balance, even though it is a charged-off account, which should not have such details.
Product: Credit card or prepaid card

When I got the got the card before I used it I got a fraud larer. I call and activate the card and was told it was a fraudulent letter. It was mid XX/XX/2023 I then try to use the card and it's declined I call and I'm told I have to go to the bank this was between XXXX XXXX on XX/XX/XXXX I spend the whole day at the bank. I was not told I would need an appointment nor did the banker at the bank told me I would be waiting for over 3hr. But I waited, told it's fix and my information is update I go use it and it's block and I have to call again and told again it's fix and it work then this all happened on same day XX/XX/23. Today XXXX XXXX  it gets block again I'm on the phone for over 3 hr. I keep getting hung up or transfer. I'm told it can take 60days before a update phone is fully verified for them to send passcode to do. No back up system but go back to the bank. I'm told call back using their online XXXX XXXX that way we can verify your account and have access. I call back no I'm told that was miss information they have to do passcode it can take 60days but my promotional offer end in 60 their reply you have talk to customer service. I say I want to close my account okay I can do. I ask to speak to a supervisor because if they can close a account then that mean they can unlock it. I'm told samething since they can't send a passcode I have to go bank to the bank. I tell him to close account he tell me it can't be close because I owe a balance. I tell him no he can close that account and bill me. He claims he can't & I have to be transferred I get disconnected. I call back I'm told I was told to go to the bank to close the account. I told her this is 4th person I was not told that a supervisor told me he was transferring me to someone who can, she hung up. On the 7th person I get someone who finally close my account. They had no trouble verifying me in closing it out. This is extremely poor service for a brand new account. Horrible customer service kept being transferred. Kept being hung up to a point where I got so irate. I snapped at the agent and then they finally closed it. Each time I had to call back I had to wait 30 minutes and then when I was transferred to a different department that was an additional 30 minutes. I understand they were busy but this was ridiculous. Each time I talk to someone my hold time was 30 minutes before they pick up. It was only on my seventh try did I I got someone who finally did something.
Product: Credit reporting or other personal consumer reports

these companies has ran my credit and put inquire on my report that I didn't not authorized and Ill like them removed
Product: Checking or savings account

I have multiple charges from XXXX that were cancelled and not refunded. I ended up booking with the hotel directly and was charged the correct amount there. This happened twice and i have not recieved any help from my bank. I also notified them of 3 charges for XXXX dollars and one for XXXX dollars from a company in XXXX that i had never heard of.
Product: Vehicle loan or lease

I paid my loan final payment to Valley National Bank on XX/XX/2020. They accepted the payment a few days later. They closed my account but have not sent me a verification of paying my loan. They also have not provided me my title and told me they do not provide titles for vehicle. When I first began my contract with Valley National they did not give me a title. When I told them they stated they will send one and they never sent it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i went to the car dealership they said it would just be in house an I received a lot of hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX-car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXXXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXX-car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX not authorized XXXX XXXX XXXXXXXX not authorized XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check
Product: Debt collection

I asked the debt collector for a validation letter confirming that I owe the debt and she refused to send one. She said she would just process the collections order with the court