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

These inquiries below was NOT AUTHORIZED NO PERMISSIBLE PURPOSE OR OTHER REASON. 15 U.S.C 6802, 15 U.S.C 1681B, 18 U.S.C 1028 H. 

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: Student loan

I have contacted my servicer multiple times asking for information about my contract, verification of amounts which have been paid and balances but they do not respond with the requested information. They send me letters back stating they are servicers of my federal student loans and ask again what information I 'm looking for even when it is clearly noted in the multiple letters sent my certified mail.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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

I provided proof that the collection account XXXX XXXX # XXXX is reporting inaccurately and need to be removed. Transunion did not remove collection account # XXXX XXXX XXXX from my credit report. I provided proof that account XXXX # XXXX is reporting inaccurately and need to be removed. 


Transunion violated my consumer rights and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I learned XXXX/XXXX/XXXX that Equifax experienced a significant data breach. In checking with Equifax they believe my personal information was impacted. I am at risk for identity theft as a result of this breach. I have little knowledge of what information was breached, or even how much information Equifax has on me that could 've been compromised. I 'll be forced to place a temporary fraud alert on file as a precaution and further monitor my credit history closely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with FCRA regarding XXXX XXXXXXXX and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached XXXX report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty
Product: Credit reporting or other personal consumer reports

The following information has been requested to be removed from my credit report twice to ensure that my right to have data with the most possible accuracy according to U.S. Code ( USC ) section for maximum possible accuracy in consumer reporting is 15 USC 1681e ( b ). Please remove all data that is not accurate. Attached you will find ID with current information. 

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLease inform me in writing in 30 days of the changes that are made.
Product: Vehicle loan or lease

I ask for {$2500.00} increase on my credit card Ive been a loyal XXXX XXXX yes and more Ive never missed a payment and they told me I dont hold enough money in my Checking accounts plus my bal too high do wat in increase will help me out more so a lot more I pay back way I owe fl my records
Product: Credit reporting, credit repair services, or other personal consumer reports

Greeting, I was illegally swindled into a sub-prime loan situation by a predatorial organization that utilized a used car dealership inorder to drain people bank accounts by raising the rates and percentages on previous signed contracts and agreements without my consent as the buyer and consumer. Once I found out I returned the vehicle to local destination for recovery whom was an affiliate of the seller that processed the illegal repossession for Credit Acceptance Corporation. I drove the vehicle there myself in order to squash this illegal encounter without getting a refund yet the record was supposed to been cleared long ago! 
Please be advised that Credit Acceptance Corporation was a criminal organization that even got caught trying to steal the vehicle after my initial purchase the XXXX as I was making monthly payments on time. 
This atrocious behavior by said companies has caused so much grief in my life over the past 7 years Credit Acceptance Corporation should be paying me for all punitive damages and the illegal loan interest rates plus hidden fees. 
For what I understand today is that the Justice Department is working on bringing that illegal operation and monstrous activities to an abrupt halt. 
After I submit this proof I request that my credit report be cleared as I was told that this issue was removed already long ago. 
Please update my credit report by removing this fictitious accusation against my name at this time. 

Here 's a link where you may do your own homework on Credit Acceptance Corporation daily operations ; https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-new-york-attorney-general-sue-credit-acceptance-for-hiding-auto-loan-costs-setting-borrowers-up-to-fail/ ___________________________________________________________ Thank you in advance for your time and attention in this most important urgent matter. 

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : Experian, XXXX, and XXXX. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to Experian, XXXX, and XXXX, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the XXXX  account will be deleted from all three credit bureaus : Experian, XXXX, and Experian. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Travel/Entertainment   XX/XX/XXXX TransUnion  XXXX XXXX XXXX Equipment Rentals/Leasing  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX Truck Dealers XX/XX/XXXX XXXX   XXXX Leasing and Rental Reseller XX/XX/XXXX XXXX   XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Truck Dealers XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  Auto Financing XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Credit Report Brokers   XX/XX/XXXX XXXX  XXXX XXXX XXXX Truck Dealers   XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Tenant Screeners XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I am a consumer exercising my right. XXXX has continually failed to provide accurate documentation of said charged off /paid off debit. They continue to show a incorrect balance although they also state the loan was written off. When I contact them I have had multiple representatives state they do not show any records of a balance due. Loan was opened during a time where they failed to provide an internal score and now I am a victim of a class action lawsuit.claims are not applicable to them as a defense. Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property. Meaning all debts with a finance charge comes with insurance in case of default. Insurance, interest, services, deliver fees, loan fees, broker fees, fee to cover defaults, are all included in the finance charge. Pursuant to 15 USC 1605 ( a ) ( b ). On this contract it states otherwise see exhibit XXXX. I have the right to rescission with the right to keep the property, return of any money involved in the transaction pursuant to 15 U.S. Code 1635 ( b ), upon the right of rescission, I am no longer liable for any finance change. The creditor must terminate any security interest, return any money or property, earnest money, down payment or otherwise past payments and because the property has been delivered and in my possession I have the right to retain possession of the property
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, in early XXXX of this year I had to complete a security check for a financial institution, XXXX XXXX, and failed the check. Then on the XXXX XX/XX/2022, I failed another security check with XXXX, an insurance company. From the questions both agencies asked me and the answers that were presented, it appears that the company/companies compiling this information has me confused with a person with a similar that is my age and lived in cities that I also lived in but is not me. My recent credit reports do not have me confused with this other person, only these security questions.
Product: Credit reporting

I thought that a collection can stay up to 7 years on my credit report. Now I found out that all my bad dept was removed after 7 years. This year their all show backup under a different collection agency. Some of them now on my credit report over 10 years. I think there is a violation under the fair credit act. It was created to give people the chance to rebuild their credit. Here is XXXX removed out my credit from equifax on XXXX. XXXX credit agency XXXX from XXXX in the amount of XXXX and removed by transUnion on XXXXXXXX. And this amount was put back on my credit report by XXXX on XXXX XXXX. And I have many more just like this and those all are medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing a negative account on my credit report with midland credit management which states I have not made any payments towards my debt when it has actually been making payments since XXXX and has been paid in full since XX/XX/2022. They have also added more to the debt after it was paid in full changing the amount from {$2400.00} to {$2400.00}. After submitting 2 disputes to experience, the second of which I received the results of their investigation today ( XXXX/XXXX/2022 ) I was told my dispute was unfounded and will remain on my credit report showing no payments have been made and that I now owe the larger amount
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX   XXXX. I was told by the salesmanager I could n't unwind vehicle. I had n't even drove vehicle off lot yet. The vehicle was in the service 's bays when I seen vehicle the 1st time. I did n't take deliver of vehicle right away. I got the vehicle finally a week later the vehicle stopped on me I had to pay for towing back to XXXX XXXX XXXX the service manager XXXX came out and said we are not checking your XXXX vehicle called me a XXXX XXXX a few times and was yelling at me for no reason. This happened over 17 different times and no one from XXXX XXXX XXXX did anything to him. I had to call for another tow truck to tow my vehicle home then the next day I contact Toyota customer care and explain to them that XXXX XXXX XXXX refused to check my vehicle and so they contact a different dealership and so I had to pay for towing again since XXXX XXXX XXXX never added my warranty to my vehicle. So I get my XXXX towed to XXXX XXXX in XXXX they said sorry you will need to have XXXX XXXX XXXX add warranty coverages to this vehicle before we can check the vehicle or I would have to pay out of pocket. So this all has been going on for the next few months I get the consumers affairs and the new car board to step in they declare the vehicle a lemon law car in XX/XX/XXXX and Toyota financial services and XXXX XXXX   XXXX and XXXX XXXX XXXX and toyota motor credit we all agreed to settle this matter with them buying back my XXXX XXXX XXXX and paying for my towing bills and rent a cars and car insurance and giving back my full down payment and deleting the item from my credit report. Well they still have n't did nothing to fix this matter. I paid every payment through XXXX XXXX I was late two times on paying cause I had to pay for rent a cars. I went to everyone to get help with this matter XXXX XXXX XXXX general manager XXXX XXXX did nothing but threaten me also. XXXX XXXX has called me a drug dealer and said he was going to expose me If I did n't stop filling complaints against his dealership. So every time I filled more and more complaints then XXXX XXXX XXXX and XXXX XXXX XXXX and toyota motor credit and Toyota financial services did nothing. Still nothing the vehicle is a lemon  law car and Toyota financial services and XXXX XXXX XXXX and XXXX XXXX XXXX and toyota motor credit we all agreed that they were going to pay me back and pick up vehicle and delete them from my credit report. I need some reinforcement here.
Product: Credit card

I filed a previous complaint with CFPB against Discover, complaint # XXXX. 
Discover only addressed part of the complaint on XXXX/XXXX/XXXX and completely ignored the financial compensation request as a result of their admitted negligence, for allowing an invalid fraudulent balance to remain on my account and charge off for years, since XXXX XXXX, XXXX. 
I requested financial compensation totaling {$26000.00} : I lost {$2500.00} as a result of a reduced credit score and loss of lease agreement with XXXX. This forced to use my old vehicle XXXX XXXX XXXX XXXX XXXX as a trade in for a lease on new vehicle instead of selling it privately for {$2500.00} more than the dealer gave me. The reduced credit score caused the dealer to have to re work a deal and i lost the private sale. 
In addition, shortly prior to that, i refinanced my home and this charge off caused my new loan to be increased by at leased {$50.00} a month for 40 years = {$24000.00}
Product: Debt collection

I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX XXXX XXXX XXXX AND XXXX XXXX PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTRACT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE TREMOVED!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTROEMNY GENERAL, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS ALLEGED ( I DONT ACKNOWLEDGE ) DEBT HAS BEEN RE-AGED TO MAKE IT APPEAR YOUNGER WHICH IS ALOS ILLEGAL!! THIS COMAPNY DISCRIMINATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND IS PREVENTING ME FROM GWTTING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS XXXX XXXX PERSONS.
Product: Debt collection

I receive several phone calls daily without actual voicemails left, just automated menu recording thinking I picked up the phone when my voicemail message comes on. I try to call the number back and it does n't work. Then I finally find your website where I think I can pay online but it wo n't let me apparently its not compatible with my browser. Then when I actually do get in touch with an actual human being to make the payment on the debt I owe, the customer service representative attempts to transfer me to the XXXX department and there is no one in the office because apparently people have left early for the day. I get it that XXXX is close to XXXX but do n't say you are open until XXXX when you are not. Dealing with credit and debt affects our lives and our future and I do n't really think its acceptable to leave early for the day or to make it impossible to make payments online! I was never given a registration code or log in information that would enable to pay online. Its so obvious that making it difficult for people to pay leads to late fines which equals more money for you. I think it it is absurd to have a computer calling me XXXX XXXX times a day and when I try to pay my debt, the people who are supposed to be there to help me with that decide to leave early for the day or the weekend, unless they were purposely ignoring their phones.You would think you want me to pay my debt successfully when in reality it is starting to look like the longer it takes me to pay my debt the better it is for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian keep reporting wrong information on my report i have contacted them many times about XXXX XXXX  XXXX acct # XXXX this account has been paid in full with no balance but they keep showing a balance and saying its been certified by the company as accurate which i know experian is not telling the true because the company gave me a letter to send to them and they yet still say the information is accurate also acct # XXXX with XXXX XXXX XXXX is close and they still showing balance when i dispute items on my experian report they always say the item have been certified as accurate they are not checking the information to see is it accurate or not i am tired of fighting with them about putting miss leading information on my report i have support ducments