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

In the months of XX/XX/XXXX-XX/XX/XXXX, I was going thru some financial hardship and could not afford my car anymore, witch was a ( XXXX XXXX XXXX XXXX XXXX ) I then reached out to my auto loan company witch was autouse/autoloan/lease and rental management. ( weird ) to VOLUNTARY SURRENDER VEHICLE the vehicle was then picked up some time in XX/XX/XXXX and at the end of XX/XX/XXXX the account closed and listed the vehicle on my credit report as an INVOULUNTARY REPOSSESION, and is being reported to XXXX, equifax, and XXXX as such, and is totally inaccurate, the other problem is in XXXX XXXX I noticed two 30day lates added to my credit report after the closing of account in  XXXX XXXX.My most major issue is I have not received all the required notices such as NOTICE OF SALE, as of XX/XX/XXXX my credit report still has a balance of XXXX dollars.XXXX is reporting no payment history on this account at all, Equifax, XXXX all are reporting inaccurate account iformation on this closed account, And are also in violation of the FCRA section 611 as well as my prior auto loan company, autouse/autoloan/lease and rental management corp.Ive also disputed with all three CRA 's with no success in witch I will continue until I will have no choice to take other action with all parties.my ability to obtain credit has been hard because of this.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts and transactions on my credit report resulting from fraudulent use of my personal information. I have never benefited from these items in any way, and recognizing the severity of the situation, I promptly filed a report with the Federal Trade Commission. Despite following the proper steps and reporting this fraud, these inaccurate and fraudulent items remain on my report. It is incredibly frustrating to continue facing the consequences of someone elses actions. Dealing with identity theft is already overwhelming.
Product: Payday loan, title loan, or personal loan

I constantly pull conversations with different personnel or employees with this company explaining the issues and problems that I'm dealing with. I had to file with the trade commission and also finally got in touch with the CEO for the XXXX XXXX when issue I'm having with XXXX XXXX XXXX on a recall on my vehicle that turn into issues of them trying to have me pay {$3600.00} and then they went down to {$3200.00} and XXXX but after speaking to the CEO and the specialist of the company they are sending my complaint to them where they should be contacting me and things should be a lot better than their first initial payment request this has caused me to have to rent a vehicle at {$89.00} a day I did that for 3 weeks it has put me behind and a lot of my personal Monday bills this particular manager continues to come to my home and harass me name XXXX and make threatening letters or statements and is considered harassment I wanted to stop immediately or whatever necessary steps that I need to take with you guys and handling this particular company I am willing to do so they're not the only company I deal with and everybody else is understanding I don't even have a vehicle right now into my issue is to handle with XXXX XXXX XXXX. So I am following this complaint so the harassment can stop immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately.

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 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

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2018, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed disputes on serveral disputes on inquiries that were put on my credit report from XX/XX/XXXX to XX/XX/XXXX. The only creditor I allowed to inquire my credit in XXXX was XXXX XXXX, attached are the dispute resolutions I filled with XXXX which came back XXXX  days later on XX/XX/XXXX. I believe a thorough investigation was not done
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 card or prepaid card

I am livid with Citibank. 
Many times they have lost my payments sent in by my usual checking account for my cc account ending XXXX. 
To stop payment on a normal checking account it is $ XXXX/check. 
They have no locations near here either. 
I have before done a payment by auto pay and it didn't go through!!! 
Therefore, I have been using money orders, as it is {$1.00} for a check reissue, and sending those in as payments ; and even before the charges come through. 
Any logical person would do the same right!?!?!? 

XXXX XX/XX/2020 I received a call from XXXX at XXXX from XXXX FL XXXX. She accused me of illegal wrong doing since I use money orders. And that Federal Guidelines state that I can't pay more than $ XXXX a day ; which I have NEVER done. Then she wanted to know more about me. I was insulted beyond compare. 
She didn't care, and was the rudest person you could ever find. I refused to answer anymore of her questions. 

I was so upset I called in to Citibank XXXX XXXX spoke with XXXX XXXX Missouri XXXX She said she couldn't help me and transferred me to XXXX in Customer Service Support in FL. 

I explained to XXXX how horrified I was by the call. I am an excellent customer who pays in advance with hard working money, made legally. I told him that I am a XXXX and run XXXX business which are all reported and claimed under my taxes which are filed and paid on time too! 

I want this person fired today. No customer should be treated this way in any manner. 

I am waiting for the charges to go through, then I will cancel my card. 
How in God 's name can you treat someone like this! 

I am reserving the right to sue you for emotional damage and harassment over this!
Product: Credit card or prepaid card

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019 with an amount of {$100000.00}.
Product: Credit card

On XX/XX/24 I rented a vehicle from XXXX. I discussed with the representative at that time that I may need the vehicle longer depending on when my vehicle repair was complete. The representative said that it would be fine, just give them a call. I called them every day multiple times a day for 4 days straight and no one answered. I stopped by the office and they were closed. On Wednesday XX/XX/24 I was finally able to get through to their headquarters who told me there was {$400.00} worth of late fees on the account. I explained the situation and he said I would need to speak to the branch to have them removed. 

On Friday XX/XX/XXXX I was finally able to reach someone in the local office and that representative told me the weekly rate would be {$240.00}. She told me her manager was not there but she would remove the late fees. She also told me that it would be cheaper to return the vehicle on the following Monday so that I would be charged the weekly rate of {$240.00}. She said if I brought the vehicle back that day, I would have to pay the late fees and the daily rate. I kept the rental until Monday XX/XX/XXXX. When I returned it, she stated her manager was still not there to remove the late fees and would be back the next morning. 

The next morning XX/XX/24 my card was charged {$690.00}. I called the office several times back to back before someone answered. I spoke with the manager and she told me my rate was not guaranteed. She said the weekly rate on Friday was {$240.00} and there was no guarantee it would be the same today. I spoke to the district manager and she said the representatives were not required to disclose the rates not being guaranteed or the late fees for keeping the vehicle longer. I submitted a complaint with the company, they responded weeks later saying their volume was too high to respond to me. 

I disputed the transaction on XX/XX/24 with Discover and they denied the dispute because they said XXXX provided documentation that they were justified in charging me that amount. The only document they provided with my signature is the initial agreement showing an estimate of {$190.00}. The final amount charged was not the amount we discussed and I did not authorize that amount.
Product: Consumer Loan

Date of first major deliquency was XX/XX/2010 although i have settled this account it has reached it 's maturity of 7 years and i respectfully request it be removed from my credit.
Product: Credit reporting

In XXXX of XXXX, I filed an online dispute with Experian regarding my XXXX XXXX account. I received their reply in XXXX XXXX. In accordance with their recommendation, I contacted XXXX ( the original creditor ) with a request that they investigate their records and inform me the items on my account that they were reporting. I received XXXX reply in XXXX of XXXX. XXXX stated these were the items from my account that they were reporting : Settlement payment received on XXXX XXXX, XXXX ; account is closed ; account was paid in full for less than full balance ; account reflects a XXXX balance. Experian, even after receiving a copy of this letter from XXXX in XXXX of XXXX, is still reporting items from my account that are not included in the list of items that XXXX verified they were reporting. The non-verifiable items that Experian is still reporting are : a " High Balance '' of " {$7700.00} '' ; a " Credit Limit '' of " {$7100.00} '' ; " Terms '' of " 1 Months '' ; a " Recent Balance '' of " Not reported '' ( should be " XXXX '' ) ; and a " Status '' of " Paid in settlement '' ( should be " Closed '' ). Experian is required by law to report 100 % complete, accurate, and verifiable information on my account, and by reporting these items that XXXX states they are NOT reporting, then Experian is in violation of the law. Please correct these items immediately on my report.
Product: Debt collection

I will need to file at least four of these complaints. I was in a car accident on XX/XX/year> where the other party was at fault. Each time I have been to the doctor or seen by a specialist. I have informed each that I was in the accident, however, they take my information, even when I provide the other parties carrier information. For this bill, I had to pay {$100.00} out of pocket apparently a co-pay. Now I have a bill for {$120.00} which is saying I will be sent to collections if I do not pay it. I have hired an attorney to handle the accident, I have been informed that the other party is refusing at this time to pay any of my medical bills apparently due to the lawyer being involved. So, my car insurance and health insurance has had to pay out. However, both have been exhausted. I do not feel like I should be penalized for this when it was not my fault, and the other party is refusing to pay at this time. I realize the companies need their money but that requires me as a single mom paying out of pocket for a medical bill that was not even my fault. I have tried to contact each of these creditors and only get that they do not get involved with accidents, and it still falls on me or my credit will be affected. I do not need my credit damaged ; I have been working hard to build it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Synopsis : I sold a XXXX XXXX camera body and a XXXX XXXX Lens to Buyer and their partner. 

They are running a chargeback scam by making purchases using Venmos Payment Between Friends with the seller, acquiring the item, and then issuing chargebacks on the cards. ( See this article of what kind of scam this is : XXXX XXXX XXXX ) Venmo won't give me the information of the financial institution so I can not dispute it directly with the financial institution that sided with the scammers that have disputed the charge stating " Sender stated they did not make the purchase ''. 

I have proof that in their transaction records, they specifically stated what they were sending me the funds for. 

Given the amount of proof I provided them, detailed explanation of the timeline, and the very specific transaction memo for what the sender sent me the money for, I do not see how it is feasible that it could be disputed. I can not in good faith believe Venmo did it's best to defend me in this case and, without their cooperation, have no other form of recourse to defend my case with the financial institution to try to get this reversed.
Product: Checking or savings account

This is a checking account I've had for twenty years. I had an incident of the bank ( Chase Bank ) accepting debits on my account and not providing adequate security to prevent the debits from continuing even after my repeated requests for them to secure my account. 

Here are the debits : The debits are from XXXX XXXX XXXX XXXX for a XXXX LOAN Payment by XXXX XXXX. 
They are preceded by a test credit/debit to test the account for my checking account ending in XXXX. 
1. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 2. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 3. XX/XX/XXXX XXXX Loan Paymen Web XXXX ACH Debit {$2000.00} 4. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 5. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 6. XX/XX/XXXX XXXX Loan Payment Web XXXX ACH Debit {$2000.00} 7. XX/XX/XXXX XXXX Loan Payment Web XXXX WEB ID {$2000.00} 8. XX/XX/XXXX XXXX Loan Payment No Desc. {$2000.00} XXXX They sent a notice that # 8 wasn't charged to my account. Note that # 7 was charged to my 2nd account and # 8 was, apparently, set to charge for my 3rd account number - THIS HAD TO BE A COMPROMISE THROUGH THE BANK, because I did not use the 3rd bank account number they assigned - they obviously are getting my account changes through the bank. The bank is NOT protecting my account. Moreover, when returning funds for a claim ( temp. ) they deposited the fund in the closed accounts which is very strange to me - they would be compromised immediately. 

When I reported this 3rd bank account being insure, too, they immediately closed my account and closed my credit card accounts with Chase bank. I had incentives available that were taken away from me and this action may damage my credit rating as well. 

I did EVERYTHING the bank recommended to secure my information even having a computer systems professional go over my computer. There were no malware, virus or other materials to suspect any issues with the computer. Even though I changed passwords each time, I retrieved passwords from the bank on occasion and they were not careful in giving out that information - security is way too lax at Chase Bank and they didn't take seriously the need to monitor and identify security lapses from inside the bank. They wanted to blame the customer and were blind to lax security to protect their customers. THEY BLINDLY TOOK THE BANK 'S SECURITY FOR GRANTED AND PUNISHED THE CUSTOMER FOR BRINGING UP THEIR SECURITY ISSUES ; I AM VERY CONFIDENT THE BANK WAS GIVING UP MY NEW ACCOUNT INFORMATION AND WERE NOT PROTECTING MY FUNDS.
Product: Mortgage

Our complaint XXXX to the CFPB illicited an answer to our lawyer XXXX XXXX from the attorney of Nationstar, XXXX XXXX XXXX. This answer brought an other claimant to our Note, this time XXXX. It is as usual the same circular rhetoric not answering the question who is the REAL OWNER of our Note. It answers only the part of the servicing and their rights. Calling the number of XXXX, which they gave in the letter XXXX does not answer. Ask the question about your loan, they answer and forward you to a number which does not respond. As the Grantor/Beneficiary of the DOT, our question has been, who is the Holder-In-Due-Course of this alleged Note they are trying to foreclose on. 
The Lender on the DOT, which we the Grantor/Beneficiaries executed, did not declare a default. 
First of all, where is the Authority that Nationstar Mortgage LLC is the Servicer for XXXX? After all Nationstar Mortgage LLC, became the servicer XXXX XXXX, FIVE MONTHS after the last payment was submitted, as well as the assignment to XXXX was recorded XXXX XXXX, TWO YEARS later and again recorded to XXXX XXXX XXXX, FOUR YEARS later and they are the servicer? 
The fact that Nationstar Mortgage became the " Servicer? '' 5 months after payment was submitted makes them under 15 U.S.C 1692 a debt collector. After 90 days the Insurance which we the grantor/beneficiary paid for, satisfied the loan. Nationstar bought the loan as debt collector and is trying to collect a debt due to others. There is no authority from XXXX. 
Facts which Nationstar has used in correspondence, court arguments and it the CFPB, why they have a right to collect : # 1- XXXX XXXX is the Note Holder # 2- Nationstar Mortgage LLC is the Note Holder, evidence a Corporate Assignment by XXXX for value granting Nationstar the Note # 3- XXXX is the Note Holder in the letter dated XXXX XXXX, XXXX. 
NATIONSTAR MORTGAGE LLC needs to be investigated for fraudulent practices, including their lawyers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax a few weeks ago and havent heard anything back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried working with the company to resole the issue however they are not willing to resolve this issue. I have a few hard inquiries from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.