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

I bought a car from this company in XX/XX/XXXX. I was promised a 3 month warranty. I was told that if anything went wrong within the three months that they'd fix my car for free. The morning after I bought the car, I started having issued and I returned it back to the dealership for repairs. I have an email with all paperwork to prove it. A couple of days later I got my car back and it was still experiencing old and new problems. For two months I begged the company to fix my car and they refused to do anything more to it although I was rightfully within the three months. Although the car had issues, I understood that the payments were reporting on my credit and that's why I HAD NEVER MISSED A PAYMENT. You can review my credit report to see that I had always made on time payments. One day towards the end of XX/XX/XXXX, going into XX/XX/XXXX my car had completely shut off at a red light. I was stuck in-traffic and I had to have my car towed to my home. After that, the car never would start or move. I called the car company and asked them to fix it and they refused, so I made my payment and VOLUNTARY asked them to pick up the car as there was not any use for it. After the car was picked up a Representative named XXXX XXXX ( XXXX ) called and told me that I was right and that there was terrible issues with the car and that it would start start when they picked it up. XXXX said that they could fix it for me and give it back because he realized what the company was practicing was wrong and unfair and he also said that I had great payment history.I never heard from XXXX afterwards. I sent him an email following up with our conversation and he never responded. I asked this company not to report this to my credit and they not only have but they are putting false information on it as well. The car was repossessed in XX/XX/XXXX. On my credit report they saying I missed a payment in XX/XX/XXXX and that the car was " involuntarily repossessed in XX/XX/XXXX. Also they say that I have also made payments on this car in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. How could I have made these spontaneous payments on a closed account and on a car that's been gone 2 years? Also, please show me the receipts and forms of payments I have used to pay. I demand that this car and balance and company is removed from my reports completely.
Product: Credit reporting or other personal consumer reports

I'm contacting you to inform you that I've experienced identity theft. This message is an official dispute regarding this account. I've followed the instructions from the involved companies and taken appropriate actions to rectify the situation. I've reported the identity theft to the FTC and contacted each affected company directly to dispute the erroneous information. I would appreciate your assistance in resolving this issue. 

XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Money transfer, virtual currency, or money service

Venmo has frozen money in our XXXX account with a simple message that there is a problem with my account and to contact Paypal. Paypal has confirmed all the information and can not understand the issue on Venmo but Venmo will still not allow our charity to access over {$1400.00} in funds it is holding with no reason and no explanation. There is a Paypal ticket open on this and they still can not resolve it or return our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # ( XXXX ). XXXX XXXX Account # ( XXXX ), XXXX XXXX Account # ( XXXX ) ( XXXX ), XXXX XXXX XXXX Account XXXX XXXX XXXX ), XXXX XXXX XXXX Account # XXXX XXXX ), XXXX Account # ( XXXX ), XXXX Account # ( XXXX ), Pervious Address ( XXXX XXXX XXXX XXXX XXXX WI, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) XXXX XXXX XXXX Account # ( XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I Have the rights 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.
Product: Credit card or prepaid card

Synchrony bank cancelled two of my credit cards they had previously issued, which had both been paid to XXXX balance : my Guitar Center card and my XXXXXXXX XXXX card. 

I contacted Synchrony Bank and the reason they gave for cancelling my cards was poor credit and a low FICO score ; at that time I had 10 years of credit with ZERO bad marks and my FICO score was/is XXXX. 

Now Paypal is declining my use, and their customer financial transactions are managed by Synchrony banking. Their reasoning for terminate my 10 year relationship with Paypal is same reasoning Synchrony gaver me for terminating my credit cards.

The Paypal problem is having an adverse affect on my businesses. I will at times use Paypal ten times in one week. 

XXXX XXXX C.E.O. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out this letter regarding my accounts with all three credit bureaus. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) To Whom It May Concern : I have just received a copy of my credit report. There are multiple accounts that are inaccurate and inconsistent between all three bureaus. Also addresses and phone numbers are not matching the information that I have already provided to you with my social security card, current license and my birth certificate. I would like an investigation done at this time. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Furthermore Im requesting these items for current debts owed if verified correctly : * pay off of debt * Interest rate disclosure * Balance history * Payment history * Credit insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX
Product: Mortgage

I got divorced in 2012 and my financial situation changed drastically. I have appealed to PNC Bank/PNC Mortgage for assistance with reducing my mortgage payments from {$1100.00} a month to a more affordable amount but they have refused to work with me by continuously stepping outside of the law to delay modification. I have used several organizations along the way to assist with getting PNC to modify my loan but I got ripped off and ended up in an even worse situation than before. PNC will not accept the Divorce Decree or Quit Claim Deed as the foundation for why I need the loan modified without the assistance or signature of my ex husband. The original loan was in both our names, but since the divorce, I needed to modify the loan so I could afford the payments. PNC will not assist me because my ex husband no longer lives in the home or has any rights to the house. My Divorce decree is a legal binding document which shows that the home was awarded to me, and my ex husband has no rights to it. PNC has done everything in their power to delay the process for assistance, which through the XXXX XXXX Georgia program, I am very much qualified for. I need help badly. My home has been in a place of foreclosure about a dozen times, and I always manage to get it out through bankruptsy filing or by other means. I have done everything PNC has asked and when I complete a packet and send it to them they go against what they themselves have asked me to provide, and decline my request. Every single time, over the past 4 years. I am behind in my mortgage, an every time PNC denies my packet, it adds more money to what I already owe them. I have reached out to everyone at PNC but they say their hands are tied because the loan is owned by an investor XXXX XXXX XXXX XXXX and the investor does not take part in the modification or XXXX programs. They have created new rules along the way and have used every opportunity to stop my packet from going to full review and approval. Their tactics are illegal and it has been going on for 4 years now. Please help me.
Product: Debt collection

I recently applied for a Navy Federal Credit Union credit card and was denied. I received a letter from them that stated that I still had accounts with balances against them, which surprised me, since any monies that I owed was paid. I was told by the Fraud Prevention Staff at Navy Federal Credit Union that there were two outstanding balances. One was for a credit card that I never owned, since I have never received a NFCU credit card, EVER! And there was a balance that was associated with a consolidation loan in my name that I was totally unaware of. Both were created in XXXX without my knowledge. They have never appeared on my credit report, so I was totally unaware that this had been happening.
Product: Bank account or service

Received statements showing {$3000.00} in Savings, sent another request to have it closed and money returned to me. Still nothing.
Product: Debt collection

I do not know why this debt is on my credit report. The balance is XXXX, the debt is XXXX, yet it is listed in collections. 
National Credit Management account XXXX Original Creditor XXXX XXXX University XXXX Date XX/XX/2015 Balance - Debt- Contact Information XXXX XXXX XXXX XXXX XXXX Mo XXXX I was never contacted for this debt and do not know what it is for.
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX and I am writing to you because I noticed there is a needed correction on my credit report a name of XXXX XXXX and any other Person under the surname XXXX is using my social security number and my credit I need this investigated I never lived in XXXX XXXX or anywhere in XXXX ever only XXXX  and XXXX XXXX. I also am not responsible for a debt that is being owed and it has hard inquiry on my credit report I am a victim of identity theft and it has been over a year this inquiry should no longer be on my credit report. 

Ability Recovery for XXXX and they continue to send me mail for the payment of a loan so they claim I did. It request for to have taken out And for another company for the amount of XXXX Please help me I am a single mother working hard and all I want in the future to retire comfortable and live something for my kids once Im gone I really need you guys help please I know Im reaching out to the right people Remember its Covid and everyone is scamming with other people information Please reach out to me if you need me to do anything further for you guys to help me out
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with this situation since XXXX. I had an issue with credit card company that was compromised by a hacker trying to take our information. Tried numerous times to work through the company 's automated system to get to a live person, but it was exasperating and time consuming. Initially, I was able to dispute numerous charges on our card, and the service was good. A local rep of the company, a different division, was able to verify the checking, savings and investment accounts that were opened in our name were cancelled. A truly frustrating thing is that one division is unable to contact another division and help work through concerns ; calls had to be made to the banking institution and separately to the investment division. After that I was able to cancel the credit card on XXXX. Today I was notified that there is a balance on the card. I wanted to verify the charges were mine. I phoned four times and was cut off or hung up on each time. I finally was connected to someone who was able to verify the information. We were disconnected ( the service rep could not hear me but I could hear her ). She hung up because she couldn't talk to me. We were discussing how the balance would be paid. 
. 
I feel the service of this company needs to be improved. It's much too frustrating to work with a company that makes it so difficult to communicate concerns. 
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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, 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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank account on my Experian credit report isnt mine but in my name. This account is used as fraud and isnt the account Im currently using. I disputed the account previously XX/XX/XXXX and re disputed the account as of today XX/XX/XXXX because of a increase of my credit I noticed XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XXXX XXXX amount {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquires and that hard inquiries are a result of identity theft and that it must be removed within no later than 4 business days as per 15 USC 1681, C-2 XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/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

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 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 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 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
Product: Credit card or prepaid card

I have multiple credit cards with Capital One. This is the second incident I've had with them concerning them putting a block on my card due to their poor security measures. One of my current cards is set up with merchants to pay recurring installments on purchases. Last week I noticed a payment had not been withdrawn from the card. I contacted the merchant and tried to make the payment with the card manually, but to no avail. I contacted Capital One and was informed that they noticed an unauthorized attempt to debit the card a week earlier. They proactively put a block on the card without informing me of any of this information. They rendered the card useless without telling me. The agent I spoke with kept referring to the " small block '' they placed on my card and now it would need to be replaced since the card was canceled unbeknownst to me. This is not the first incident I have had like this. Another card I had with them had to be replaced due to their poor security and lackluster fraud control. In that instance, I received a replacement card and did not activate it, yet another charge was placed on it. The card was replaced again. Again I didn't activate it and another charge was still placed on it. I finally canceled the card account and experienced a derogatory drop in my credit score. Capital One keeps telling me that Mastercard allows the charges even though a different card number is issued if the account is a subscription ( in the first incident someone had opened a XXXX account using my card number ). XXXX was way more helpful in getting the situation resolved than Capital One. Capital One takes absolute zero responsibility for any of these incidents and practically blamed me for possibly giving my card number to an unauthorized user. Now I will need to cancel this current card account to avoid this happening again. My credit score will be negatively impacted again and I will lose another credit source that I have earned and have an exceptional payment history with. To Capital One this is " business as usual '' and a " small block ''. I am contemplating legal action against them and want them to be punished to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Equifax is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old account haven't been removed. This is the account in which I am asking to be removed from my credit file. XXXX XXXX BANK XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXX I am no longer liable for this account. XXXX attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Reporting act, the list of accounts below has violated my federally Protect consumer rights to privacy and confidentiality Under 15 U.S.C. 1681 ( 5 ) XXXX bank account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy ( public record ) I told Equifax to re-investigate these accounts However they stated everything is complete and accurate. But how is this possible, when the address of this account is incorrect thats not connect to me I send verified information that has been submitted to Equifax with valid driver license, and valid police report of this fraudulent account This account has not submitted any documentation of signed written original agreement with my written signature attached to any document associating me with this account they have surpass the 30 day period to provide this information as request by me on previous dispute of this account that Equifax Has completely neglected my rights under 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy 15 U.S.C. 1681 section 1681 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 to 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 conviction of crime which antedates the report more than seven years 15 U.S.C. 1681 S-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 Also they arent in compliance with metro 2 reporting, I have evidence to prove my case If these accounts was accurate which I know this information is not accurate. where is the source or documentation showing where equifax has gotten this information from to have these accounts in my credit report or bankruptcy in public record which has never been provide to me under my FRCA right to me. which equifax has never provide this information within 30 day period to believe these account has been verified. If any shared information from any Consumer to equifax without my knowledge is an direct violation, equifax is powered by XXXX XXXX which has stated in an written documentation letter to me they dont have any information of me in there data base what so ever, including the bankruptcy courts written letter stating no such information has been provide to any credit bureaus,