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

XXXX XXXX XXXX received all of the information needed on a stolen vehicle from in XXXX & XXXX but kept billing us late charges, fees, etc and claimed in the month of XXXX they did n't receive anything. We also did a conference call with the insurance company XXXX XXXX with XXXX XXXX XXXX which was recorded. The investigator from XXXX XXXX asked the XXXX rep if they have all of the Gap insurance information for their claim and she answered yes. They contacted us in XXXX 2017 and claimed they never received anything and sent us more forms we notarized and sent back and they still are billing us and sending us letters and statements about fees and extra charges. The insurance company paid them over {$16000.00} + but they are still trying to milk us. The auto dealership, XXXX located at XXXX XXXX manager stated they do this in order to drain you of more money, and they do it all the time to consumers. He sent them the information for a rebate of the protection package which was included over {$200000.00} financing at the time. The company XXXX was sent {$90.00} from that. They were already paid more then what the car is worth a XXXX XXXX XXXX and they are used to ripping consumers off for more. Tragedy! Somebody please help! These businesses make a living draining the consumers pockets! Every time we spoke to them even after the card was paid off they claimed we owed them more money before it was even settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX RABBIT XXXX XXXX XXXX XXXX FL XXXX DOB XX/XX/1973 SS XXXX I pulled up a copy of my credit report and seen there were some accounts that are not mined and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.. The following accounts in dispute are listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX VIA XXXX UNIT XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX HEAD MD XXXX. 
My current and only address are XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. PLEASE REMOVE ALL ANY ALL OTHER ADDRESSES.
Product: Debt collection

The reporting agency is reporting that I owe  two  separate amounts which is not true. I owe this agency no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX, WI. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 
XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 NumberXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a 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 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: Vehicle loan or lease

Since the beginning of my lease, they have been applying payments incorrectly so every month my late fees were getting further and further behind. Now they are saying i owe all of that because the system they were putting my additional payments towards the base rent instead of applying those payments to any additional charges they were charging. 

Started lease payments in XX/XX/XXXX. In year XXXX I made 8 payments and including additional charges for taxes and late fees. So total of 5 late fees in that year which i already paid. Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

For payments in XXXX, Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

My statements shows i am past due payments totaling in over XXXX dollars every month when my lease payment is XXXX a month. Most of those months i paid XXXX or XXXX or XXXX higher to pay off late fees they keep on assessing. Every time they did not apply those late fees to any of my late fees. 

They will not correct the issue, and say i am still behind payments, but i have paid XXXX payments in year XXXX so i am not behind and made the full payments for year XXXX. I call the company every single month and have to correct this every time they say they will take care of it then assess me even more fees the next month. I have emailed that company to complain and they respond saying to reach a different dept no one wants to help out and i am about to take them to small claims for all the late fees i have paid them since they can't get it right and apply the payments correctly. 

Someone needs to stop this company from earing XXXX 's of dollars of people like me charging erroneous charges. For all the time i have had to miss work to call them and complain to the company they should be paying me for all the frustration and wasted hours on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to the credit bureau and they continuously fail to make corrections to my file. Instead they use stall letters, and claim that a 3rd party sent the letter. They refuse to investigate and send proof of investigation to me even after more than 5 request in the past 12 months. 

Please refer back to the many letters I have sent in the past 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX has violated my rights by Reporting this debt to my consumer report. A debt that is not mines. This agency is also in violation of USC 1692G. They were to notify me of this in writing XXXX days prior, and I was not. As I look at my consumer report, I realize that when this account was opened, I was under age, so it could not have been me that opened this FRAUDULENT ACCOUNT. I have uploaded a copy of my ID for proof of age and residence
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS OPENED FRAUDULENTLY. THIS IS NOT MY ACCOUNT. 

XXXX XXXX XXXX Opened XX/XX/2018 - {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reportXX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX  who has reported that there was a late payment XX/XX/XXXX.
1 ) I contacted XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.
Product: Credit reporting or other personal consumer reports

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''. Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) they were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( XXXX ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed in the previous letters are not deleted immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Equifax fails to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Renasant Bank updated by account XXXX with a balance {$500.00}. It appears XXXXenasant may be double dipping because I satisfied this account on XX/XX/XXXX. 

On XX/XX/XXXX, the balance of this account was {$740.00}. I made a payment same day of {$45.00} and made subsequent payments the following months. I paid the final payoff of {$300.00} on XX/XX/XXXX satisfying the entire balance of the account. I am asking Renasant bank to review my pay history and my branch activity to pay and satisfy the account. When Renasant reviews this information, I determined the account should show satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to adequately protect my information in the event of a known vulnerability and breach. They did not adequately notify me of a problem. My data was compromised and is potentially available to criminals to use my credit information and personal data to harm me.
Product: Credit reporting or other personal consumer reports

There are a total of 5 hard inquiries on my credit report that I did not initiate or give permission to run on my credit report. My father and I have the same name as he is a XXXX, and I am a XXXX My father informed me that while he was in the process of getting a new vehicle, they somehow ran my name and social security number instead of his. How this happened I have no idea. All of these inquiries happened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and I have lived in XXXX XXXX  for the last 5 years. I am asking for these hard inquiries to be removed from my report as my credit was ran without my consent or knowledge. These are the inquiries : XXXX XXXX XXXX XXXX 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 or other personal consumer reports

These 2 negative accounts reporting on my EXPERIAN credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable!! ( PLEASE SEE ATTACHED )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the recent update of the " last activity '' date on my credit report. It has come to my attention that the last activity date for a specific account has been inaccurately updated, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
The FCRA mandates that information on credit reports must be accurate, complete, and up-to-date. Updating the last activity date on an account without valid cause or activity may misrepresent the true status of the account and unfairly impact my credit standing. 
I request that you thoroughly investigate the circumstances surrounding the update of the last activity date on the mentioned account. If this update was made without legitimate activity occurring on the account, it may be considered a violation of the FCRA.There is a file attached to verify the fraudulent reporting. 
Account Name : XXXX ( ACCOUNT HAS BEEN CLOSED FOR TWO YEARS ) ) Account Number : XXXX Date of Last Report : XXXX  Date of Last Activity : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these the inaccurate information and accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to deletes any accounts and inaccurate information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$180.00} Medical XXXX Balance : {$3.00} XXXX XXXX Balance : {$9.00} XXXX XXXX Balance : {$1.00} XXXX XXXXXXXX Balance : {$20.00} XXXX XXXXXXXX Balance : {$20.00} XXXX XXXXXXXX Balance : {$16.00} XXXX XXXXXXXX Balance : {$14.00} XXXX XXXXXXXX Balance : {$11.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$6.00} XXXX XXXXXXXX Balance : {$4.00} XXXX XXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$15.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXXl XXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$10.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$16.00} XXXX XXXXXXXX Balance : {$13.00}
Product: Checking or savings account

I've had multiple times that I have been charged overdraft fees. These fees were charged more than 2-3 times in one day. When you call they say there's nothing they can do. I have also had fraudulent activity on an account where my money was frozen for months. The bank suspected me of fraud. When it was someone who actually hacked into my online account in Florida and deposited checks into my account. I suffered for months without being able to even touch my money deposited from my job. Then the bank calls to apologize and reissue me a new account. Since then I have different feelings about wells Fargo. I don't recommend them at all. An apology was all I received. I now only have the bare minimum deposited into this bank because I have trust issues with them. Over 16 yrs banking
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter that I am being sued by XXXX XXXX XXXX XXXX. I have disputed this as I need evidence this card was mine. I have not received any information on the when the account was opened. This has negatively impacted my credit score and I believe has violated my rights according to the following : * 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. 
* 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.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

At the end of XXXX, the place where I'll been worked, close theirs doors after bankruptcy. I'll been looking desperate for a job with any sauced.I explained to the hospital my situation, they never told me that the hospital have a program for low or none people income qualification to pay off or portion of deb.Not to long ago I heard from someone else. It's sad that some people don't do their job in a proper way. 
XX/XX/XXXX, deb {$430.00}. 
XX/XX/XXXX, deb {$840.00}. 
I ask for Deletes To old Institution don't give me any help or orientation to help me with this debs.
Product: Credit reporting or other personal consumer reports

Account has listed opened XX/XX/year>. This account should be deleted since it has been past the 7 years. This account was through a Credit Union that was shut down due to fraud and dishonest acts. This company no longer exists due to being permanently shut down. I need this account updated and removed.
Product: Vehicle loan or lease

Good afternoon, XX/XX/XXXX I finance the car the US military loans. At the time of financing the car I was told I would be able to take the car back to the United States when PCSing. I am being sent to a warrior transition unit due to injuries I sustained during XXXX XXXX in the military. I emailed US military lawns asking permission to bring the car to my new duty station. I was told by XXXX XXXX that I would need to sell the car back to the dealership that I purchased it from and I wouldnt be allowed to bring the car with me. I have never missed a payment or been late. XXXX  reasoning for not allowing me to bring the car with me is because of my DEROS this was not part of the contract. I sold the car back to deal at a lost of XXXX. I also put down XXXX at time of purchase I would have almost paid off all of the car after paying all this including my payments I have made. I want us military loans to refund me the XXXX down payment and pay off the remaining balance as they didnt honor their contract. I cant afford this I have to purchase a car now so I can get to medical treatment for my injury. I cant believe a company for the military would treat a XXXX like this.
Product: Credit reporting or other personal consumer reports

All 3 bureaus are reporting inaccuracies on my credit report as well identity theft
Product: Debt collection

The apartment complex : XXXX XXXX XXXX XXXX  and their debt collector/rep : Cullimore & Coleman Are attempting to collect a debt I do not owe. 

I have never lived in the apartment complex nor does the aforementioned companies have proof of me staying living at this residence. 

The companies have threatened to sue me. 

This XXXXXXXX XXXX and harassment is damaging my career this affecting my livelihood and health
Product: Credit reporting or other personal consumer reports

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I've disputed these accounts in the past but the credit bureaus have ignored my requests.