23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Not my account they put this bill on my XXXX credit report and XXXX credit report
Product: Vehicle loan or lease

My husband totalled our XXXX XXXX XXXX on XX/XX/XXXX. We notified Exeter immediately and advised them the insurance company would move the vehicle. Conversation recorded. We spoke with and updated Exeter on status several times. Again On XX/XX/XXXX, I spoke with Exeter for 13 minutes explaining XXXX would move the vehicle and we would begin negotiations for payoff. Exeter moved the vehicle without permission and effectively repossessed a vehicle that was not in default. They say they mailed a notification on the XX/XX/XXXX and had tried to reach me prior. ( Again I spoke with them 13 minutes on the XX/XX/XXXX ).  They did not. I only saw the notification by looking at my account at a later date. We are still attempting to negotiate payoff. Exeter has made it clear they refuse to release title or work with me on the insurance claim. When I spoke with an agent recently, she became upset that I was recording the conversation and refused to talk further. Each time I call they seem very concerned about recording because of the illegal nature of thier dealings concerning this matter. They have reported a repo on my credit report drastically effecting my score and have made no attempt to help resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX ) on or about XXXX. As of today I have not received any response from XXXX and although I did receive a response from Experian and XXXX, they did not resolve the fraudulent issues on my credit report. 
XXXX completely failed to respond in a timely manner to my dispute requests, whereas XXXX and Experian just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 90 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.
Product: Debt collection

Enhanced Recovery Company , LLC, XXXX XXXX XXXX, XXXX, FL XXXX. On XXXX XXXX, 2015 the said collector sent me a notice of some alleged XXXX-year old debt of {$97.00} from XXXX. On XXXX XXXX, 2015 I responded with a dispute letter. The collector in question has never responded to me with the required by federal law verification of my alleged debt after my dispute. Instead, they just went ahead and filed a damaging report of this " debt in collection '' with credit bureaus. I wonder do we still live in a country whose citizens must abide by law and why some people think they are immune from so blatantly braking the law?
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 

Furthermore, I suspect a violation of my XXXX Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the XXXX Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

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

I sent a letter on XX/XX/22 requesting to be removed as an authorized user from an account. I have yet to receive a response. Also, the authorized user account still remains on our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been/continue to report a moving credit available, in order to always make it appear as if I'm utilizing over 95 % of available credit. This really represses my score, and has the worst impact on my credit score to date. To be clear here is what happened. I opened a short term loan of XXXX from XXXX XXXX to finance repairs. Some time in XXXX, they started reporting the balance due as the available balance.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$490.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent dispute letters certified mail, tracking XXXX notifying of that I was avictim of Identity theft.I filed a FTC AFFIDAVIT along with claims of the XXXX settlement and the XXXX XXXX Data breach Breach notices. 
My report had erroneous names, addresses, phone numbers and accounts that I did not open. 
FRCA laws states I have a fair and accurate reporting o on report. 15 U.S.C 1681 ( a ) all must be accurate and in a timely manner. 
EXPERIAN illegally opened a dispute on my credit report at XXXX XXXX  on XX/XX/2022 and withing 35 minutes, they said it was verified. I spoke to the customer service from EXPERIAN and XXXX said they dont do investigations. I believe this is violation of my rights under the FRCA and also under 15 U.S.C 1681 codes. There were two fraudulant XXXX XXXX accounts, one has been deleted and one is updated. Both accounts should be deleted not just one. This proves that the credit bureaus that they are not acting according to law. Now XXXX XXXX and Experian shows another different account number from my original report, Acct XXXX was deleted. 
Now Experian puts on my report the same account with different account number for the same deleted XXXX XXXX XXXX XXXX acount. 
I have sent the original FTC affidavit with those accounts to prove they are were originally that account number nut, now shows diiferent. 

Acct XXXX was deleted but EXPERIAN and XXXX XXXX have fraudualntly added XXXX to my report, this is the same account with a different number. More proof of violations of my rights by not investugating and furnishing accurate data. 

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

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Negative Items on Credit Report Due to Equifax Data Breach Dear Equifax Dispute Resolution Team, I am writing to formally dispute inaccurate information on my credit report due to the data breach that occurred at Equifax. The breach has caused significant harm to many consumers, including myself, and has resulted in negative items appearing on my credit file that are not reflective of my creditworthiness. I have recently obtained a copy of my credit report, and I have identified the following negative items that I believe are a result of the breach : XXXX XXXX with account number XXXX For it is causing undue harm to my credit score and is a direct result of the vulnerabilities exposed during the Equifax data breach. Under the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I reached out to this company, but they have no information on me and that they sold my personal information to a collection Agency called XXXX XXXX. 

Isn'tthis considered identity theft? I ask that you complete your investigation and provide me with your findings in writing within the timeframe required by law.

Please delete this account from my credit report.

Thank you for your attention to this serious matter. I appreciate your timely response and assistance in helping me resolve these inaccuracies.

Sincerely, [ XXXX XXXX ( if sending a hard copy ) ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an unfamiliar account on my consumer credit report. The account in question is being reported by XXXX XXXX XXXX. Despite repeated requests to TransUnion, XXXX and XXXX to investigate this matter over the past seven months, no resolution has been reached. 

I have no prior or current legal business relationship with XXXX XXXX XXXX, nor have I ever entered into any contractual agreement with them. Despite my requests, XXXX XXXX XXXX has failed to provide a physical contract bearing my legal signature to substantiate their claim of funds owed. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am afforded federal protection as a consumer, which includes the right to privacy and accuracy in the information reported about me. The failure to grant me these rights constitutes a direct violation of the aforementioned statute and its subsections. 

Therefore, I demand that the account reported by XXXX XXXX XXXX be promptly removed from my credit profile. I expect immediate action to rectify this matter and to receive confirmation of the removal of this erroneous account. 

Please provide me with written confirmation of the steps taken to address this dispute and the final resolution thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT
Product: Debt collection

Hello, On XXXX of XXXX my wife and I contacted the actual company to see if we owed anything and if there was an amount left we were going to get on a payment plan. When calling XXXX and XXXX PA, they said they could not find an account under my name or social security number. It was like I never existed. The attorney I had once worked with in that firm, I was told, no longer works for them anymore. So we asked to be connected to the their collections department even though they were not showing to have an account with them or in collections. When speaking with their collections department ( Transworld Systems ), the same thing took place. They could not find anything anywhere under my name or social security number. So we said everything must be all clear because they were unable to validate it anywhere. Months later in XXXX my wife receives a call from Transworld Systems Inc. that there is a balance of over {$4200.00}. We were so confused because we tried so hard to make sure nothing would end up in collection to harm our credit. That is exactly what happened anyways. This has been haunting my credit ever since and my wife and I are trying to use my VA loan to get a home. I am working with someone in credit repair and I am trying really hard to have this taken off my credit report. The current amount that is showing, that I am aware of, is {$4000.00}. I talked to numerous people at XXXX XXXX XXXX, XXXX and there was nothing that I owed. Covered myself and even called collections to make sure I had nothing, and they had no account for me ... .I do not owe this debt and they can not validate that I owe this debt.
Product: Credit card

This is a credit card used for home improvements with approved vendors ( Synchrony ). I have the app set up for auto pay and it worked most of the time, but sometimes I would get a late notice and have to go into the app to confirm auto pay is still turned on, and then make a manual payment to the balance. Late Fees occurred ; XXXX After the last notification I got about a late payment I confirmed that auto pay was still turned on so I then reviewed my payments to date. Upon reviewing my payments I realized that I had been charged {$41.00} in late fees on the dates listed above. I called the customer service line and eventually requested to speak with a manager. I explained that there seems to be a problem with their auto pay system and that I have been charged the late fees unfairly. I was told there must be an issue with the data I entered for my bank account. My response to them is that the auto pay works sometimes but not all times, and while on the phone with the manager I made a manual payment which the manager saw come in on my account. Ultimately there is no issue with my bank data as auto payments go though from time to time and I can make manual payments.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX {$0.00} XXXX  N/A Inquiry {$0.00} XXXX XXXX  XXXX N/A XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXXXXXX XXXX Inquiry {$0.00}
Product: Vehicle loan or lease

I previously made a complaint to your office with regards to this same issue and the vendor had responded to you and the response of the vendor was convoluted and not according to the loan contract that I signed up from them when I purchased my car. My contract stated an APR of 21.45 % and the response of the vendor was convoluted with an APR of 80.16 %. This lender must be audited with their system of calculating finance charges because their system was not calculating according to the contract. 
I am trying to get refinancing of this loan for a lower APR from 21.45 % to 15 % and the vendor was disclosing a way up payoff balance using 80.16 % APR. This 80.16 % APR was not in my contract at all.
Product: Debt collection

The company in collections has not contacted me at all and has not answered our returned my calls. I want to pay this and get it off my report but they have been completely unresponsive
Product: Debt collection

I checked my credit report yesterday, and Enhanced recovery Co LLC added a collections account for {$640.00}. I was never notified via mail about any debt owed to this company. I was suppose to receive written notification of any attempts to collect debt PRIOR to it being reported as a collections account. I have no signed contract with this company. This is not my debt. I do not know who Enhanced recovery is. My rights under the FDCPA have been violated. I will take immediate legal action against this company. I want Enhanced recovery Co to Cease and refrain from reporting false debt to all credit bureaus. I want Enhanced recovery to immediately remove this false reporting from my credit file with all credit bureaus. My credit character and credit worthiness has been defamed! I will follow up with immediate legal action against Enhanced recovery Systems
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXXXXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXXXXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries
Product: Credit reporting or other personal consumer reports

( BRIDGECREST ACCEPTANCE ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Bridge Crest, XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of BridgeCrest, XXXX, XXXX and XXXX from reporting services.
Product: Checking or savings account

For the third and now fourth times, TCF has charged overdraft fees to an account with a positive balance. In total this round I was charged {$250.00} in overdraft fees, all while my account was a positive balance.
Product: Mortgage

My husband was contacted by loan depot by phone rough the week of XX/XX/XXXX saying the interest rates were low and if we were interested in Refinancing.. He was in the hospital so he told the gentleman that he could not talk to him because he was under the influence of narcotics. 
On XX/XX/XXXX, around XXXX XXXX. My husband received another call for Loan Depot from XXXX. My husband said he was going to block the number what did I think. I said call him back, I check my score this morning and it was good. My husband call XXXX back and XXXX asked for my husband 's Social Security number and the gentleman told him that he did not qualify because of his XXXX salary he did not make enough to do file, but he could run my numbers. So my husband allowed me to enter the conversation with XXXX on the phone. The only reason I allowed the the gentleman to run my numbers is because I had checked my numbers that morning. I knew what my Credit Score was. I hung up from XXXX ; about XXXX XXXX cst I gave the gentleman all of the information he requested. When I gave him my birthday, he commented that I was the age of his mother. He told me that I sounded like I was his age in my XXXX 's. I sounded very young. He asked my why I wanted to refinance. I told he I was interested in paying off my loan early and reducing my payments. He said he believed that that he could get me between 2-3 % interest rate for 10 - 12 years, but we needed to act fast. He said he would call back in about an hour. XXXX called back about 75 minutes later. My husband had him on speaker phone, so my husband, my XXXX XXXX and myself could hear the conversation. He told us that my credit score was not acceptable. He said my credit score was XXXX and I needed it to be at least a XXXX. I told he I had checked that morning and I knew that my XXXX  numbers were higher. I ask how when I login to my XXXX  account my numbers were different from his, he said he did not know but those were the numbers he received. My husband and I said ok and we hung up. I went strait to my computer and check XXXX, XXXX  and XXXX  and none of my scores were in the XXXX 's. So I sent XXXX an email. Attached is the email I sent to XXXX. 

I have not heard from XXXX, his manager or anyone for Loan Depot. 

This is unacceptable. You lie about my credit score when I know them to be different. 
This is why I am filing a complaint against Loan Depot. I believe they falsified the numbers so they would not have to give me the loan.