23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX  XXXX XXXX : Account # XXXX, Account name XXXX XXXX XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : 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 : 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

Hello, we recently inquird about getting a commercial floorplan with Ally, during the process of contacting the correct people to decuss the different options, I was directed to speak with a XXXX XXXX a Repersentive for Ally Bank, to which my Accountants for our business reached out to him, after the initial contact, I received a email from my accountant saying that they had spoke to Mr XXXX with Ally and he had told my accountant that he could not do business with us because of a past relationship with us ( which we never had ). As soon as I read the email I was taken back I thought wait a minute we have never done business with Ally Bank in the past, so after reading the email I sent a follow-up email to my accountant letting them know about the incorrect info the Ally reperentive has told to him, and requested his info so I could make contact. 
Once I received the info on who to contact, I sent a request to a XXXX XXXX at ally bank requesting a meeting to discuss the details of our business and apply for a loan, while also explaining that we never had a account with Ally Bank and that he must have been referring to previous owner of the business we bought out when we opened our new dealership, and that we would just like to opportunity to apply for a loan with Ally. 
after sending the message a short time later I received a response from Mr XXXX with Ally Bank, But once again I was met with resistances, he says in the message i quote " I have no choice, XXXX. My company will do an extensive background check and will find this. 

Thank you for reaching out, but its out of my hands. 

And he sent a news clip form wood TV 8 from XX/XX/XXXXwhen a customer filed a complaint against us with the state. Which at the end of the day was settled and ended. 

Once I received his message back I was very upset and hurt, and couldn't understand how because of a invalid complaint from a customer would allow a bank to denie me from appling for a commercial loan. After I did some more research I found out that the person who said I could get a loan ( without every taking a application ) Mr XXXX with Ally Bank, to find out he was the person I replaced when I took over a running this store in XXXX before I bought out the owner was infact Mr XXXX XXXX with Ally bank, so I kinda feel this might be more of a personal problem then corporate mainly because I have never been turned down for a loan I never got to apply for. At this point I would like Ally Bank to be fair with there lending pratices and not allow for this type of treatment for XXXX XXXX XXXX, if someone wants to apply for a line of credit they should be allowed, and not held off by someones personal issues. all we our looking for is a chance. But we weren't even given a chance to get turned down, we we're simply rejected because of hear say.
Product: Credit card or prepaid card

My XXXX XXXX XXXX child, an unauthorized user of my credit card, was able to make 117 individual transactions and {$1800.00} worth of purchases over a 3 week period without any deterrent. Normally, a password is required for any purchases but somehow a fingerprint could be used instead without my knowledge. In addition, I have transaction alerts set up on the card but because they were so small, it went unnoticed. 

The game is called XXXX being played on the XXXX, where virtual currency is purchased. A player on the game manipulated her into buying the items. 

XXXX denied any of the refund and then Chase did as well, arguing that it wasn't fraud because my child did it. A compromise of any kind wasn't even offered. 

The law defines unauthorized use as a credit card transaction made by a person, other than the cardholder, who does not have actual, implied, or apparent authority for such use, and from which the cardholder receives no benefit. This case matches the definition perfectly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. Delete this immediately! 

Bankruptcy XXXX XXXX Date Filed : XXXX Docket # : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Creditor reported my loan account was closed. 39 point drop in credit. 

XX/XX/2020 account was set back to open but my balance was changed. They changed my opening balance to {$23000.00} and set loan balance to {$19000.00}. 
It resulted another decrease in credit. 

XX/XX/XXXX, the creditor changed my payment history from 75 % to 33 % this resulted in another decrease in score. This was wrong. 

XX/XX/XXXX, they reported my vehicle was repossessed for the month of XXXX. My vehicle was never repossessed. 

XX/XX/XXXX, they reported my account was closed again and my credit dropped 9 points. 

Ive filed formal disputes and contacted them directly. They continue to do this which has resulted in over 60 points being dedicated from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

BigPictureLoans is claiming that I signed an agreement for them to take five payments of {$180.00} before any of payments will be applied to a principal balance of {$520.00} borrowed. I have paid them {$910.00} with a remaining balance of {$700.00}. I called the company to question the terms of the loan and they say that I agreed to these terms. I told them that clearly I did not understand these terms and that I would like to be refunded what I paid over the principal balance and one of the finance charges with my account being closed as paid in full. I was then told by the fifth supervisor in the overseas call center that I can make another payment and they will then close the account. I was told that my call could not be transferred to the home office in the state of Michigan.
Product: Debt collection

XXXX XXXX IS SENDING BILL FOR XXXX. NEVER OPENED ACCOUNT WITH XXXX
Product: Credit card or prepaid card

I was released from XXXX  on XX/XX/XXXX, 2021. While I was in XXXX  someone filled for my stimulus check. I believe it was my ex wife. I was told child support got the first check so I filled for the second XXXX XXXX dollar stimulus and it was sent the day I was released to the same account number the first check was sent to. I need that account froze and investigated please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} - status update date shows that this account wasn't even investigated, remove account. 

XXXX XXXX  XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$510.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Product: Debt collection

Portfolio Recovery Assoc - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report and have no idea why they're there. Despite refreshing my browser to check for a malfunction, the discrepancies remain. Please thoroughly review the documents I've sent so I can be assured this issue won't recur.
Product: Credit card

I opened a credit card with American Express with the express purpose of transferring a balance from another American Express product. This was clearly stated in the conversation that I had with the American Express representative. Not only did she state that I could transfer the balance, but that it would also be allowed under the 0 % for 6 months offer that they were running. I opened an XXXX account at that time. When I called to transfer the balance, they told me that they could not transfer balances between American Express products. They offered no remediation. I subsequently closed both my new " Blue '' card and my American Express " Green '' card. I still have the " XXXX True Earnings '' card that was the original card from which I wished to transfer the balance. I feel that the American Express agent selling me the credit product intentionally committed fraud to make a sale. I have reported this to their own fraud department who refuses to call be back at this writing.
Product: Credit card

I was shocked when I reviewed my credit report and there was a late payment reporting on the dates below : 30 days late as of XX/XX/year> I'm not sure how this happened & when explained to customer service I could not receive help to resolve this matter.
Product: Credit card or prepaid card

XX/XX/XXXX : I made a FINAL payment to Lane a bryant comenity bank for {$120.00} confirmed. 

it went paperless XX/XX/XXXX i have received a statement to my email every month until XX/XX/XXXX. 

I spoke with not t to find out payoff ON XX/XX/XXXX. I made the payment XX/XX/XXXX XXXX CSR : ID XXXX of comenity / supervisor waived all fees this was still a deceptive practice since i spoke with them on the XX/XX/XXXX and the payment was already late by a day today they said it was due the XXXX but never mentioned that on the last call.
Product: Debt collection

I am following up on my previous complaint regarding unauthorized and unlawful credit reporting by Western Shamrock Corporation. Their response failed to address the legal violations outlined in my initial complaint and did not provide proper validation of the alleged debt. 

Key Issues with Western Shamrock Corporations Response : 1. Failure to Provide Required Validation Western Shamrock Corporation has not provided any legally required documentation to prove that I owe the alleged debt, including a signed contract, itemized statements, or proof of assignment of the debt.

The Fair Credit Reporting Act ( FCRA ) 623 and the Fair Debt Collection Practices Act ( FDCPA ) 1692g require that a furnisher verify an alleged debt before continuing to report it. Their refusal to provide proper validation is a direct violation of these statutes. 
2. Inaccurate and Misleading Reporting Western Shamrock Corporation has admitted that they charged off and sold the debt. However, they are still reporting it as an unpaid balance.

Under FCRA 623, once a debt is sold, the original creditor must update the account to reflect a {$0.00} balance. If they have no further ownership of the debt, they can not continue reporting an outstanding balance.

3. Unlawful Data Sharing & Privacy Violations Under the Gramm-Leach-Bliley Act ( GLBA ) 6801-6809, financial institutions are required to protect consumer financial information and can not share it without proper authorization.

Western Shamrock Corporation has not provided proof that I authorized the sharing of my personal financial data with third parties, nor have they demonstrated a permissible purpose for reporting this account. 
4. Failure to Conduct a Proper Investigation Their response was a generic denial without addressing the specific violations I cited.

Simply stating they are compliant with all laws does not constitute a reasonable investigation as required under FCRA 611. They have not provided any documentation to substantiate their claim.

Resolution Requested : Immediate deletion of the account if Western Shamrock Corporation can not provide full validation, including a signed agreement, complete payment history, and proof of debt ownership.

Correction of reporting to reflect a {$0.00} balance if the debt has been sold.

Investigation into Western Shamrock Corporations compliance with FCRA, FDCPA, and GLBA regulations regarding debt reporting and consumer privacy.

Written confirmation of deletion or correction from both Western Shamrock Corporation and the credit bureaus.

Western Shamrock Corporations failure to validate this debt and continued inaccurate reporting are clear violations of federal consumer protection laws. I request that the CFPB take immediate action to enforce compliance and ensure this account is removed from my credit file. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

The Bank of America mailed me a Bank of America rewards card application. The Bank of American specifically stated that after having spent a certain amount of money in a certain amount of time I would received cash rewards of {$200.00}. I went to the Bank of American branch office in XXXX, New Jersey this money to claim my {$200.00}. I was told that I would have to wait 5 business days for the Bank American to transfer the {$200.00} from the credit card account to my Bank of America checking account. I objected to the long delay. The Bank of American employee said that is the policy. But there can be no excuse for any delay at all let alone 5 business days. It is the same bank for both the credit card and for the checking account. I demand immediate credit to my check account of {$200.00} plus interest.
Product: Credit reporting or other personal consumer reports

unauthorized inquires on my report! 

XXXX XXXX XXXXXX/XX/XXXX -Experian business credit XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card

I withdrew a cash advance from credit card XXXX/XXXX/16 for {$1200.00}. The fee for the advance was {$60.00}. I have a 0 % introductory purchase apr that expires XXXX/XXXX/16, at which time it converts to 23.24 %. Cash advance apr begins accruing immediately at 24.24 %. The minimum payment for the account was {$25.00}, due by XXXX/XXXX/16. On XXXX/XXXX/16 I made a payment for {$1300.00}. They did not apply this {$1300.00} payment to the cash advance. When I called and spoke with them they said they could n't see how the payment was allocated and they would have to escalate it to maintenance to find out what happened to the money. My current statement for XXXX/XXXX/16 shows my cash advance balance as {$1300.00}. There have been no other cash advances made during the life of this account. My promotional purchase apr has not expired yet. At this time my cash advance balance should be {$0.00}, as I payed it off 13 days after opening it.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a social security that does not belong to me. This social does not belong on my credit. This is Identity Fraud. This is preventing me to get a loan. This is causing me financial distress and will pursue legal action if not removed in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 30 ) days late on the 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 false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am following up on my recent complaint. Once again, I have observed that certain accounts persist. This communication serves as a complaint and a plea for your assistance in expeditiously eradicating these fraudulent accounts from my report. Presented below is the roster of accounts I urge you to expunge : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  ) XXXX Balance Owed : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1700.00} XXXX XXXX  XXXX Balance Owed : {$79.00} XXXX XXXX  XXXX Balance Owed : {$0.00} -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX Owed : {$530.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Owed : {$420.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance Owed : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$99.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 3 months later, I have not received a response yet. I know they are backed up because of Covid but I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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: Debt collection

I have had multiple odd run-ins dealing with a certain hospital in that I may or may not receive a statement and won't have a clue if it's filed with insurance, etc. until I receive a debt collection notice from this collection agency. I notified them that I needed validation of this and received a hospital bill. I have never done business with this company and I have not signed away my rights for them to have any access whatsoever to my medical records. I can not get information from the provider and I can not get information from this collector. At the moment, they have a {$470.00} and a {$51.00} item on my credit report yet I do not have information giving me the information I have asked for. Furthermore, I dislike the fact that I am not made aware of what is owed by the provider and then I see the information provided to the credit bureaus. Again, I have not done any business with NRS.