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

I purchased a XXXX XXXX from a company back in XXXX. Right after I purchased this vehicle, the company closed and was sued for fraudulent activity with obtaining loans. and giving customers overpriced, upside down loans. ( XXXX XXXX ) This company suggested I take the loan offer Santander. The price was roughly XXXX for a XXXX XXXX XXXX. 

I was hit by a drunk driver and my vehicle was totaled in XXXX. My insurance company submitted all of the paperwork to them for the account to be paid and properly closed. 

A few months went by, and I noticed Santander reported wrong information on my credit report. Not only did they report I owed the original amount, but they listed as a REPOSESSION! They have failed after several attempts to respond to me. 

I was contacted and included in an action lawsuit with this company and received a {$200.00} check from them. The day I received the check, I called to remind them that the wrong information was still being reported and causing me great hardship. On some instances this is showing as a repossession on my credit! It has been tough for me to get another XXXX recently and I been denied trading in my vehicle or purchase another one because of this. 

It is now years later, and this company WILL NOT RESPOND. They keep putting " updated " as a resolution with no solution offered or action taken. This is ruining my credit and I need it removed with proper documentation. I called them to get a correct address for the specific department I was told can assist me. I was told the address is incorrect, when attempting to mail them a letter on XX/XX/XXXX. The clerk gave me what she had for them and as always, I requested a tracking number.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXXXXXX XXXX XXXX # XXXX IDENTITY THEFT XXXX # XXXX IDENTITY THEFT XXXX XXXX XXXX  # XXXX IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/XXXX I received an email from Best Buy ( CITIBANK ) regarding a purchase that was made that was potentially fraudulent. I also received emails regarding an update to my email address and phone number on my account. I clicked the button saying I did not make this purchase. Citibank then called me to start the fraud investigation regarding this fraud purchase that exceeded {$4500.00} on an account that I did not open up. I then worked with them to update my information back to my actual information ( email and phone number ). Investigation was opened, but Citibank is having a hard time figuring out that I did not make this purchase and this account was not opened by me.They are stating that since the account was created before this year ( I have only ever had one Best Buy Credit Card and this account did not show on my account profile until I had checked after XX/XX/XXXX ), they are saying that I am responsible for the payments. I would figure they could check and see what bank account is attached to the fraud account so they can locate who actually created this account using my information. The fraudster did not associate the new card with my actual bank account, so they do not have access to my bank itself, but when they created the best buy credit card fraud account they attached their own bank account so they could open the card. Citibank will not give me any information regarding the email address and phone number that the fraudster tried to update my account to, as well as the bank account associated with the fraud account.
Product: Vehicle loan or lease

In XXXX of XXXX American Credit Acceptance submitted a Proof of Claim to my attorney in the amount of {$4000.00} indicating that this was the payoff amount including interest. 

This amount was paid off through my Bankruptcy payments to the Trustee as of XX/XX/XXXX. 

In XXXX of XXXX my case was dismissed as I could no longer afford the payments with inflation and the rise cost of living. 

I was told by my Attorney that the interest was not paid off through the Bankruptcy and that I would owe that now that my case was dismissed. 

On XXXX I called American Credit Acceptance and spoke with someone in the Bankruptcy Department to ask what the amount of the interest was that I owed in order to pay that off and get the Title. I was given an amount of {$1300.00}. I was asked if I could pay that amount that day I stated that I could not but I would make some arrangements once I got an official letter stating this. I was told that I would get a RIGHT TO CURE letter in the mail, but it would have an incorrect amount and to DISREGARD that amount as I would indeed get an updated letter with the {$1300.00} amount reflecting. 

On XXXX I got the RIGHT TO CURE letter with an amount of {$4300.00} owing. The letter indicated that this total included MISSED PAYMENTS dating from XXXX through XXXX during which time my Bankruptcy was active and payments were being made. 

I never received the updated Right to Cure letter. On XXXX I received an email from American Credit Acceptance stating that my vehicle had been assigned to a repossession company. I called to ask what was happening and was told that I would get a call back from a supervisor. I also reached out to my former Attorney that day as well. On XXXX my vehicle was repossessed overnight from my residence. 

As of XXXX I have not received notification of where the vehicle was taken, where my personal items are, and what the current status of the vehicle is whether it has been sold, will be sold etc.
Product: Mortgage

FAY SERVICING sends a monthly statement on the XXXX of XXXX indicating I have a PAST UNPAID PAYMENT OF XXXX. My payments are set up to be deducted by FAY SERVICING directly from my checking account. I check my bank statement and they had not deducted the XXXX until XX/XX/XXXX. 

Why aren't they able to deduct the payment earlier in the month to eliminate the past unpaid payment showing on the statement? I don't decide when they take the money from my checking account THEY DO! 

This maneuver shortens the 15 day grace period!
Product: Debt collection

Credit Collection services are attempting to collectva debt I have no knowledge of. Stating that the are the original debtors
Product: Mortgage

In XXXX our mortgages were transferred to Nationstar from XXXX XXXX XXXX. Our first mortgage was transferred during trial modification. Our second mortgage was transferred several months later. Our first mortgage is current and still serviced by Nationstar/ Mr Cooper . Our second mortgage has been charged off by Nationstar/ Mr Cooper and XXXX is currently attempting to collect the debt. 
We have written to Nationstar to have them explain the multiple fees added on to our account that we do not understand or that just have no explanation. Our mortgages have gone from {$88000.00} and {$22000.00} in XXXX to {$110000.00} and {$27000.00} today. After 13 years we now owe {$26000.00} more than we started with.Nothing that we have paid in 13 years has decreased our mortgage. We have never refinanced or taken loans against the property. The increase has been through fees during modification and foreclosure. We have sent a QWR to Mr Cooper. We were sent a basic print off without any details.
Product: Credit reporting or other personal consumer reports

Account was paid on time as agreed never late! Payment was reversed from Bank and XXXX days later I noticed decrease in score! I contacted agency to square this away and they told me to contact bureau!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I can never utilize my online equifax account and my last correspondence via mail they simply said they arent sure why it doesnt work. I submitted a request via writing to provide proof of validity for a debt along with requesting it be removed and I didnt receive a reply well past 60 days which also did not address my concerns or include the requested information. Their processes and systems seem to have the most obstacles when attempting to dispute or request info and they never reply in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding inaccurate reporting by XXXX and the lack of investigation by Experian. A charge off in the amount of {$47.00} is being reported on my credit report, yet I still have an open account with XXXX. I sent a validation request to the company and received a response with a print out of all charges that appears to be hand typed and shows no records of payments. What I dont understand is why purchases would still be allowed if there is a balance owed? Also- a few days after receiving the invalid validation letter, I was given a credit increase on my XXXX account for being a great customer ( I would prefer the charge off be removed not an increase to the credit limit ) I have reached out to both the company and Experian XXXX I was provided a print out of an account in which you are able to clearly see that it is still open but there is also a charge off for the same open account. How is this possible? Payments are made each month, if there was an overdue payment why was this not indicated and mail sent out? Why were payments not applied to my existing balance? This is unfair and inaccurate and I demand this charge off be removed from my credit report. Also, prior to said charge off that happened in XX/XX/XXXX you are able to see payments, why is it that after this charge off there are only purchases view able but there are no payments showing? This is not validation this is pulling certain information and hoping the consumer doesnt notice. 
XXXX is reporting inaccurately and Experian is allowing this. I disputed this account in XX/XX/XXXX and received a print out that validates nothing. I demand an investigation. I demand this inaccurate charge off be removed from my credit reports. I have attached the print out I received and demand this be resolved as it is hindering me from receiving credit. I have no issues with my credit. Why is this charge off reporting on an account that exists? If there was a balance due why was no email sent? Why am I unable to see this information when I login to my XXXX account?
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX and the credit bureaus for reporting inaccurate and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 



Details of the Issue : Creditor : Applied Bank Account Number ( Last XXXX Digits ) : XXXX Amount Reported : {$600.00} Status : Charged Off Date Opened : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Status Updated : XX/XX/XXXX ( which is in the future ) Problems with the Reporting : XXXX. Inconsistent and Incorrect Dates : The account was opened in XX/XX/XXXX and was charged off by XX/XX/XXXX, which seems premature. 

The status update reflects XX/XX/XXXX, a future date, which is impossible and suggests errors in reporting. 

XXXX. Account Was Sold But Still Being Reported : If this account was soldXXXX XXXX XXXX  should not be reporting an outstanding balance. The reporting must show a {$0.00} balance unless legally verified. 

XXXX. Incorrect Balance and Charge-Off Reporting : If the account was charged off, there should not still be an active past-due balance of {$600.00}. This is misleading and violates FCRA guidelines. 

XXXX. No Validation Provided : I have no knowledge of this account and have requested verification. Under FCRA 611, the creditor must provide supporting documentation to validate the debt.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries. I have asked Transunion and XXXX to delete these inquiries but the bureaus did not do as I asked. I am providing an Identity theft report and I am asking that you remove these inquiries. These inquiries are inaccurate and are not mine. I demand that these inquiries be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional XXXX this negative rating has caused me and will continue to cause until it is resolved.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm XXXX months late.
Product: Debt collection

I did not consent to, authorize nor benefit from any of the following accounts. Block and remove it immediately. 

The Bureaus Agency Name : XXXX $ XXXX {$870.00} Account # : XXXX OPEN : XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Account Number : XXXX I am writing to request a detailed description of the verification method followed by your agency to verify this account as it doesn't belong to me. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681l, credit reporting agencies must provide a detailed description used to verify reporting within XXXX  days. I have already written and mailed certified letters to XXXX XXXX XXXX XXXX XXXX and have received no response as of yet. Please Delete this account completely from my profile ASAP. XXXX has already acknowledged the error and has updated my credit report with their bureau. I'm requesting that your bureau do the same thing and update my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XX/XX/year>. This CFPB XXXX has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion, the XXXX, and the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consist of cars loans : XXXX account XXXX XXXXXXXX, XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX with all credit agencies that's showing inaccurate information. These accounts have resulted in several fraudulent hard inquires and several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of hard inquires in question as well. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to TransUnion to bring to their attention inaccuracies in my consumer report that are damaging. These negative and damaging information has caused me so much anxiety and many lost opportunities to apply for credit cards, buy a car or apply for a mortgage. 
I'm requesting a reinvestigation into ALL the accounts mentioned in sent letter. As a consumer, I am exercising my right to dispute this information. According to the FCRA 15 USC 1681 e ( b ) and 15 USC 1681 i ( a ) 1 ( A ).
Product: Prepaid card

I received a gift Visa debit card from US Bank National Association, it directs you to XXXX for account information then once you login, it tells you to call XXXX ( also on the back of card ) to choose a pin. However the phone number always immediately disconnects the call, resulting ultimately in not being able to use the {$50.00} at all. 

I am unable to ever connect/ get through to that phone number even after trying multiple times, different days. It instantly just hangs up on you. 

Is this a scam?
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXXXXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

I have not had a " XXXX XXXX '' account in almost a decade. I have never conducted any business with Jefferson Capital Systems , LLC. Jefferson Capital Systems , LLC is continuously " updating '' an account placed under " collections '' are recent as " XX/XX/XXXX ''. Jefferson Capital Systems , LLC reports " date opened '' as " XX/XX/XXXX '', even though I have not had a " XXXX XXXX '' account in almost a decade. I am certain they are reporting in this manner to avoid the exhaustion and circumvent the " statute of limitations '' in the Commonwealth of Massachusetts.
Product: Credit card or prepaid card

Care Credit has charged my interest and has not removed it. This was supposed to be a 24 month SAME AS CASH. They never changed it from their standard 12 months. The provider has called them no less than 5 times. They also had names and confirmation numbers. I have also called many times and emailed. They refuse to correct this and just keep throwing us back and forth with no resolve. I need this handled.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards and credit accounts from XXXX Card with a balance of {$6000.00}, XXXX XXXX XXXX XXXX with a balance of {$440.00}, XXXXXX/XX/XXXX with a balance of {$3100.00}, XXXX XXXX with a balance of {$1800.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$4700.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft my information was used without my information to apply for a FRAUDULENT CREDIT INQUIRY. I have contacted both the furnisher and credit bureau notifying of this unauthorized acitivty on XX/XX/2021 CITIBANK BESTBUY I did not apply this fraudulent inquiry need to be immediately removed by XXXX and CITIBANK