23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Truth in lending violations. Inaccuracies in the Annual percentage rate, finance charges and the amount financed. Thus violating my consumer rights as defined by 15 U.S.C. at 1605 ; 1606. On XX/XX/2022, I went there for a consumer credit transaction, and due to my knowledge as of the timing of this complaint, Ive realized that this whole transaction was a fraudulent act that was taken against me during this transaction and after this transaction, the dealership which I went to XXXX XXXX dealership XXXX XXXX, FL. Violated all Acts 1 Act : Title 15 U.S.C. 1605 Due to my knowledge the finance charge covers everything, including premium.. which I was wrongfully made to purchase myself knowing the finance charges covers premium.. also there was cash involved which they made me put a down payment of [ {$1000.00} } Act 2 : title 15 U.S.C. 1611 I was given false information throughout this whole transaction Act 3 : 15 U.S.C. 1662 They promoted a down payment which is illegal and unlawful Due to dishonesty in this transaction, I do not know if this company really had an insurance license, because I know its required to sell consumer contracts. So therefore I was also violated for my premium rights, had to pay out of pocket, which were already covered for. Also Act 4 : title 15 use 1635 they didnt disclose that I had the right to rescind the contract.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

New York XXXX XXXX XXXX XXXX XXXX XXXX Innovis, XXXX XXXX, and XXXX has repeatedly ignored my request to remove the inaccurate account from my personal private consumer report. By not doing all aforementioned parties are in direct violation of the following laws : 42 U.S.C. SECTION 666 ( 7 ) ( i ) Reporting Arrearages to Credit Bureaus- ( i ) only after such parent has been afforded all due process required under State law, including notice and reasonable opportunity to contest the accuracy of such information. And 15 U.S.C. 1681 ( A ) ( j ) ( 1 ) ( 2 ) ( j ) Definitions Relating to XXXX XXXX Obligations ( 1 ) Overdue support.

The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.

( 2 ) State or local XXXX XXXX  enforcement agency.

The term State or local XXXX XXXX  enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing XXXX XXXX obligations. And 28 U.S.C. 3002 Definitions : ( 4 ) Debtor means a person who is liable for a debt or against whom there is a claim for a debt. And Supreme Court of the United States XXXX - Child support agreements are equivalent to interstate contracts and rejecting the idea that child support payment obligations are somehow " different '' ( citing XXXX XXXX XXXX 92 F.3d at 106 ) United States XXXX XXXX XXXX XXXX Second XXXX XXXX New York. And United States XXXX XXXX XXXX XXXX Minnesota ( Division 4 - XXXX ) decision of XXXX XXXX XXXX, XXXX and XXXX
Product: Debt collection

Gulf Coast is inaccurately and unjustly reporting a debt of XXXX dollars on my credit files. I have never received validation of this debt, or anything proving ownership or I am responsible for payment of this debt. Furthermore, based on the dates reporting on my credit files, if, this debt is mine it would have been re-aged. Re-aging is a violation of my consumer rights and FCRA. This is a common practice by collection agencies to maximize collection time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report.I was shocked to learn that I have been a victim of identity theft. I found account on my credit report that were not open by me.I am in the process if buying a home for my family. Please remove the fraudulent account from my credit report as soon possible
Product: Credit card or prepaid card

XX/XX/XXXX WE STARTED A CRUISE AT XXXX XXXX, XXXX XXXX. WE CALLED XXXX 3 TIMES FROM XXXX XXXX BEFORE BOARDING. XXXX STATED THAT IF WE DIDNT BOARD THE CRUISE ALL THE MONEY WAS GOING TO BE LOST. 

XX/XX/XXXX XXXX ANNOUNCE WE WERE NOT GOING TO ANY MORE PORTS. WE CIRCLED XXXX XXXX FOR 2 DAYS. 

XX/XX/XXXX XXXX DECIDED TO ALLOW US TO USE THEIR AIRPORT. WE HAD ONE PLANE AS AN OPTION. THE PEOPLE THAT BOUGHT THE CRUISE UNTIL XXXX XXXX WERE PROMISED THAT XXXX WILL TAKE THEM TO XXXX XXXX. 

XX/XX/XXXX, I LEFT TO XXXX AIRPORT. MY FRIENDS XXXX AND XXXX XXXX STAYED BECAUSE THEY BOUGHT THE CRUISE UNTIL XXXX XXXX. 

XX/XX/XXXX WHILE I WAS FLYING THEY CALLED ME FRANTICALLY THAT THE CAPTAIN ANNOUNCED THEY WERE NOT GOING TO XXXX XXXX AND THAT THEY WERE FORCED TO DISEMABRK AT XXXX, HAWAII. I BOUGHT THEM 2 TICKETS FROM XXXX TO XXXX.THEN FROM XXXX TO USA.IT WAS DIFIICULT BECAUSE THE SHIP HAD NO INTERNET. VERY STRESSFUL AND DIFFICULT TO COMMUNICATE WITH THEM. 

XX/XX/XXXX XXXX CRUISE ARRIVED AT XXXX BUT THE USA GOVERMENT REFUSED THE PASSENGERS TO DISEMBARK. NEWSPAPER ARTICLE ATTACHED. THEY PACKED ALL THEIR LUGGAGE BUT WERE NOT ALLOWED TO DISEMBARK. 

XX/XX/XXXX THEY WERE TOLD THAT XXXX WAS GOING TO ACCEPT THEM BUT XXXX REFUSED THEM AS WELL WITHOUT INTERNET AND ADVANCED NOTICE HOW CAN YOU PREDICT THAT THEY WERE NEVER GOING TO BE ABLE TO FLY FROM XXXX? THEYRE XXXX YEARS ( XX/XX/XXXX ) OLD AND XXXX YEARS ( XXXX XXXX ) OLD RESPECTIVELY. AFTER ALL THE ORDEAL THEY FLEW BACK TO XXXX AS AN EMERGENCY DUE TO HEALTH REASONS. THE DOCTOR FOUND XXXX IN HIS XXXX. HE CANT TRAVEL ANYTIME SOON. THEY NEED THE {$74.00} EACH ONE PAID IN MY CAPITAL ONE CREDIT CARD ENDING XXXX. ITS OUTRAGEOUS I HAVE BEEN TELLING THE STORY FOR 2 MONTHS. XXXX AND XXXX WHICH USE VISA AS WELL SETTLE ALL MY TRAVEL DISPUTES. CAPITAL ONE ITS THE ONLY COMPANY GIVING ME SO MUCH AGGRAVATION. CAPITAL ONE WANT PROOF OF CANCELLATION FROM AN IMPOSSIBLE SITUATION. 

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

I have reached out via certified mail to the following companies and asked for proof that I gave permission to submit hard inquiries on my credit account and they have either not responded nor removed the inquiries as legally requested, since they were not able to show proof of my request. 

XXXX XXXX XXXX ( XXXX XXXX, XXXX, SC XXXX XXXX XXXX, XXXX, GA XXXX ) XXXX and XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX XXXX ( XXXX Box XXXX, XXXX, TX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, FL XXXX XXXX XXXX Also, the following Bureau 's have been PAID off and the accounts are now closed ( proof of payments available ). I have reached out to the companies and requested that the accounts be removed from my credit reports. They have agreed to remove the negative remarks and accounts from my credit report however they are still showing. 

XXXX XXXX XXXX ( On behalf of XXXX XXXX ) XXXX  XXXX XXXX XXXX ( On behalf of XXXX XXXX ) I am kindly asking AGAIN that these items are removed from my credit report, as they are either unrecognized and not proven to be mine or have been paid and legally agreed to be removed and they are still showing on all 3 credit reporting platforms ( XXXX XXXX, and Transunion ). 

Please Please Please Remove. 

XXXX XXXX ( SS # XXXX ) XXXX XXXX XXXX  XXXX. 
XXXX XXXX, TX XXXX
Product: Credit reporting

I was offered a credit card from XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. I sent in the application and never received the card. On researching, the bank of mailboxes that supplies our house was broken into and mail stolen. We called XXXX XXXX XXXX and reported we never got the card. The card was apparently used at a XXXX in XXXX Colorado shortly thereafter. and the police were to lazy to look at the security camera video and apprehend the thief. I have called XXXX XXXX XXXX 5 ( five ) times since and each time been told that the realized that this was the case and that they would erase any charges and close the account, and each time continued to receive bills until the 5th time. Apparently they then reported adversely on my credit. The last time I talked to them was over a year ago. Apparently No matter how many times I call them they can not get it right so I thought I would go to this website to get action. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Colorado XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus XXXX TransUnion XXXX are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.1.XXXX  XXXX {$34.00} 2.XXXX XXXX {$29.00} 3.XXXX XXXX {$110.00} 4. {$130.00} 5. {$35.00} 6. {$2700.00} 7. {$250.00} 8. {$35.00} 9. {$35.00} 10.XXXX XXXX {$91.00} 11.XXXX XXXX {$240.00} 12.XXXX XXXX {$29.00} 13.XXXX XXXX {$150.00} 14.XXXX XXXX XXXX  {$5800.00} these must be removed from my credit reports as they are fraudulent and you cant prove its mines or I will sue in court each violation is {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

BASED ON 15U.S CODE 1681A, XXXX XXXX  USE INFORMATION ON XX/XX/2017 AND XX/XX/2017 WITHOUT MY WRITTEN CONSENT I HAVE ASK THEM NUMEROUS TIMES TO REMOVE LATE PAYMENTS FROM MY CREDIT REPORT BUT THEY CONTINUE TO BREAK CONSUMER LAWS.
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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 card or prepaid card

Shut my card off without explanation. I am XXXX XXXX XXXX with an excellent credit rating above 800. I pay on time and ahead. 
I have spent 9 hours talking to : Customer Service Fraud dept Collections dept Risk dept All departments are unable to explain why the card was shut off.

I am pushed from one department after another without resolve.

A supervisor told me at one point the card had improperly been coded as a charge off. He promised to get back to me with some resolve but never did.
Product: Vehicle loan or lease

The company can not explain what the amount owed is. I have received various letters with various amounts. 
They have incorrectly reported to credit bureaus the amount of late days. 
They have incorrectly reported the amount owed to credit bureaus. 
They have disabled my account preventing me from seeing late fees vs amount owed on the vehicle. 
The company counts late days cumulative and not consecutive so although payments were made to catch up the marked the payments months behind.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank You - XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested a couple times for this account to be removed from my credit report due to inaccuracies I have sent in my investigation with resources to show the inaccurate information the account keep coming back verified. The account may come back verified, but the account has several in accuracies against Trans Union, XXXX, and experience. Once again, please remove this account from my credit reports.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been years now since I've furnished the proof get to XXXX XXXX XXXX via XXXX XXXX to be untrue because I was completely insured at that time by XXXX XXXX XXXX XXXX XXXX  insurance and that the bill should have gone to that insurance. I furnish proof to the credit bureaus to the consumer protection financial bureau and submitted a prior FTC report regarding the matter yet still it continues to be reported because XXXX XXXX  simply changes the amount and re-enters it as a debt. This is a form of extortion and should not be allowed in our country.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/XXXX which is today. Now the bank has retaliated against me because I just got word from XXXX XXXX that XXXX XXXX  took off the 120 days late status and marked my account as charged off. How XXXX XXXX  can this account be charged off if I'm in a payment plan with them? I want this fixed immediately and I tried to reply to the current complaint and it wouldn't let me so I've had to submit another complaint. It needs to say account current not charged off how hard is that? I've made 5 consecutive payments in a row. Charged off would mean I haven't made any payments but I've made payments every single month since XX/XX/year>. I even have a letter proving I'm in a payment plan.
Product: Debt collection

I have disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the credit bureaus and with the company and also with ftc and sent in police report. I never got a response.
Product: Student loan

I was told that it would take 150 days to refund my student loan payments that were made during the pandemic. I struggled a lot to make those payments and am currently struggling to pay rent/other necessities and having to wait 5 months isnt ideal. Other loan services are refunding people with a turnaround time of 6-8 weeks at most.
Product: Vehicle loan or lease

Unsure of exact dates. Had a vehicle that was late on payments and had a small accident. Lost job. Asked for assistance but Wells Fargo only kept threatening to repossess it, even within the first 30 days. Asked for payment to be put at the end while waiting for first paycheck and they refused. Eventually the engine blew up on it while I was about XXXX days behind and when told them to come get it as a voluntary repossession, they refused. It stayed on the side of XXXX XXXX, XXXX for XXXX days ( I lived down the street and passed it multiple times a day ). It was taken between day XXXX and XXXX. A few months later I was renewing my car insurance online and noticed a claim for the vehicle after the date I called to surrender the vehicle. 
XXXX told me Wells Fargo placed a claim for hood damage. I had photos of the vehicle when it broke down on the side of the road in perfect physical condition after I removed the tags. The photos they provided had a CLEAR T shape in the center of the hood that was obviously from a tow truck stopping their tow piece on the hood. I spent months with the insurance company and paperwork showing my calls to them surrounding and the photos, eventually having the insurance company reverse their decision to place against my policy. WF then sued me for the difference of the loan and what they got at auction. I fought the situation, but ultimately had to file XXXX  with this debt when I did not have poor credit prior.
Product: Credit reporting or other personal consumer reports

Attempted to opt out of reporting and was told I could not.
Product: Credit card

I called Chase regarding my loss/stolen card and reported all the unauthorized transactions and they credited me back for it. However, just yesterday they brought back those unauthorized charges on my account. I did not make those unauthorized charges. The only balance I have to pay and are authorized by me is the amount of {$3600.00}.
Product: Credit card

This is a dispute involving Capital One and XXXX. 
Capital One in a letter, dated XX/XX/2023, notified us that the XXXX has responded and Capital One has accepted their explanation resulting in reversal of charges. I am objecting to the decision made by Capital One to close this case. Capital Ones decision was one-sided and is contrarily to the rules of evidence and has failed to request any documents from me in the course of its investigation. 
XXXX has {$6900.00} charged us for a rental property which we cancelled with their authorization and written consent. Now XXXX is refusing to refund us the {$6900.00} and Capital One has revered the charges without proper investigation and considering the evidence. We have communicated with XXXX and Capital One to no avail.