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

I purchased a XXXX XXXX XXXX financed by Prestige Financial. I have had the vehicle for 7 months and the transfer case is cracked and leaking. The cost of repair the transmission is {$3000.00} and I can no longer afford the car as my current only income is SSDI payments. I called the finance company multiple times, as they would not return any of my calls. I informed them of the situation and my decision to surrender the car while I am not in default on payments. I was told by one person to try to get an offer on the car and they will see about releasing the lien because if not, there would be more fees added to my deficiency. At that time, I requested a settlement if I was to work to sell the car for them. After I was able to get an offer from a car dealer they advised me that they will not take a settlement and they will not accept the car dealer ship offer of {$9500.00} ; the balance owed on the vehicle which is {$19000.00}. At an auction, they may get less and there will be auction fees which they will add to my deficiency. Instead, they will only reply that they have a right to pursue me for the entire loan. I advised them I did not initially call for a settlement or to make an offer, but was only doing what their representative advised when I called to surrender the vehicle. The company is refusing to allow me to surrender the vehicle which will lower the cost of a repossession added to my deficiency and their actions are preventing me from having the deficiency on my credit show as a voluntary repossession. Their refusal to allow me to surrender the car will also have my credit report showing multiple missed payments when currently that is not the case, today is XX/XX/XXXX because I am current my next payment is due on XX/XX/XXXX for {$420.00} which is why I was trying to surrender the car I can no longer afford before its multiple missed payments.
Product: Debt collection

In a previously issued complaint, XXXX, XXXX XXXX XXXX only provided information to falsely support 1 loan the collected on. But failed to confirm that they are still illegally garnishing me for 3 more loans. Despite the fact the company they are collecting for, XXXX XXXX XXXX, was ordered to stop all collections. They also did not correctly address how they improperly served me.
Product: Debt collection

On XX/XX/2021 and XX/XX/2021, IC System fraudulently reinserted and reported negative data to credit bureaus for the deceitful business practice to intentionally cause damage to my credit score in violation of specific statutes under federal consumer law in the amount of {$790.00}.
Product: Student loan

I received a call from ( XXXX ) XXXX during my lunch break at work. I did not answer and someone named XXXX from XXXX XXXX XXXX XXXX left me a voicemail asking me to call back to apply for a forgiveness due to Covid-19 and that Nelnet which is my student loan company is being sued for Fraud. I called the number back twice and both times they asked how much I owed and when was the last time I made payments on it, after I told them they hung up the call both times.
Product: Credit reporting or other personal consumer reports

Chime credit builder credit account that I have is a secured card which was set on my app as safe pay which means it shouldve kept reporting paid as agreed under the fair credit report and act because I had a XXXX balance when I got detained and locked up on XX/XX/XXXX. I just seen on echo fax that they reported my last payment was XX/XX/XXXX but then when I looked harder at the information they only got a check for pay as agreed up to XX/XX/XXXX. After that its all gray no data. It is also being reported the same way on TransUnion not sure about how they report it on experience right now, but theyre reporting false information because its a secured card and while I was away in the XXXX XXXX XXXX center for 14 months they shouldve reported to all three brows like agreed when opening the account and auto pay safe is on and there is no balance that I owe XXXX credit builder account shouldve been reporting paid as agreed and still should be reporting paid as agreed to all three major credit bureaus or credit agencies, but they are not. This is a violation against the fair credit reporting act because their reporting basically false information if it is a secured card With safe auto pay set up already on it. I guess can report that the last payment was XX/XX/XXXX but I still shouldve got checked off as paid as agreed because XXXX balance was owed the whole time I was at the XXXX XXXX detention center being detained, XXXX going to dispute this with all three major credit bureaus via XXXX mail I also been requesting my payment history for the whole time Ive had the account and Ive been requesting through Chime all my bank records included from the day I open the account up and XXXX or XX/XX/XXXX until they close the account which I do believe was this last XXXX that just closed my regular chime bank account over XXXX XXXX  balance even after I explained to them that I have been a victim of identity, theft and supply documents proven I filed a police report just as soon as I came home and was able to do so I will be disputing the Chime credit builder account through the mail with all three major credit bureaus because they are violating the fair credit reporting act by reporting false information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion, XXXX, and XXXX after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I sent a letter to the XXXX credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaints and hoping that these accounts listed below lates will be removed. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an auto loan with XXXX XXXX credit union and had my loan refinanced with another company and they are still reporting as if the account is open and I have failed to pay they refused to remove this information from my credit report
Product: Mortgage

I 've closed a loan through a re-finance and I am owed balance from an escrow account for taxes that was paid by the new bank -- called PennyMac -- they have told me that they paid the outstanding taxes due to the XXXX however the new bank has reported they have paid the outstanding taxes at closing. the loan was re-financed on XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

i never signed off on the check and never accepted the loan. this has been done fraudulently.
Product: Bank account or service

At the end of XX/XX/XXXX i misplaced my wallet ( which had my USAA membership card and all my info along with my debit card in it ) and the wrong hands found it because within the next couple of days i had XXXX savings accounts opened in my name, which i did NOT authorize my any means. Whoever opened these accounts deposited fraudulent checks for various amounts of money, coming up to be around {$4000.00}, which ended up returning and putting MY account negative almost {$4000.00}. I have been trying to resolve this issue with their financial institution for 5 months now, i have called and called and my step mother ( the joint over on the account ) has called and called and they always say they will call back within the next couple of days and NOBODY CALLS. I have never received a phone call back for as long as this has been going on. Every time i call and talk to someone they can never help me and say that the person who can help me will call me and they just never do. I was told i was going to be held responsible for the negative balance on the account and that is completely unacceptable, then i was told the amount had been charged off so now its going to go on XXXX credit report. On top of all of that, i got my paycheck the Thursday after the incident happened, which was direct deposited into my checking account, which got put on lock down, so to this day i still have not seen that {$310.00} and that is a lot of money to a XXXX year old busting her XXXX at work for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter submitted to Experian XX/XX/2022 to remove inaccurate addresses from report. As of XXXX XX/XX/2022, some inaccurate information still being reported.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act 602, it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the consumer. 15 USC 1681b ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Experian, the consumer reporting agency, does not have my written consent to furnish my information in regards to the collections account with account number XXXX as well as the inquiries on my consumer report listed as XXXX XXXX Na dated XX/XX/2023, XXXX XXXX XXXX  dated XX/XX/2023, and XXXX XXXX XXXX dated XX/XX/2023. Any and all consent to Experian, whether it be verbal, non-verbal, implied, written, or by any other means is now revoked. In addition, 15 USC 1681 ( c ) ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This collection account along with the inquiries on my account are adverse items that are reporting without my permission which is against the law. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures.
Product: Debt collection

Continuous phone calls, asked to not be called and have information mailed to address they have on file for specific amounts and dates. No letter came just repeated phone calls all through the day and evening.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft when my data was stolen from XXXX XXXX XXXX XXXX XXXX. 
A fraudulent account under my name and social security was opened by an unknown person at XXXX XXXX XXXX XXXX XXXX XXXX. The account number given to me by XXXX XXXX XXXX XXXX 
The claim filed against me on XXXX XXXX XXXX  was issued by XXXX XXXX XXXX XXXX for the amount of XXXX XXXX.After numerous calls to XXXX, and their refusal to help, they referred me to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/XXXX I filed an Identity Theft Report with the State of Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX report number XXXX 
I have also filed a report with the www.identitytheft.gov
Product: Credit card or prepaid card

I have a line of credit for XXXX based on my availability of funds in my checking account. This is a digital credit card meaning it only goes through the app. Ive struggled multiple times with the app, due to it not connecting to a payment source, or if you need to switch payable accounts, you need to contact customer service by email only. There is no phone number for this company anymore. I got hit with a late payment that was reported to the credit bureaus due to my account not being fixed. I emailed the customer service team about this issues twice a week prior to the payment due date to get my account fixed. Never got a response, I was hit with a late payment on my credit and assessed fees. No one fixed my account until XXXX to which I just paid of my entire balance due to fear of this happening again. The app reviews are riddled with the same stories and peoples credit being tanked because of the poor customer service. Ive reached out 4x since the credit hit and still havent seen a single response from this company.
Product: Credit reporting or other personal consumer reports

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. XXXX, Experian, XXXX, and also all the companies listed below should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all XXXX bureaus and you will be able to see the proof of discrepancy within the credit bureaus. All the credit bureaus are reporting different dates of accounts being open, different charge offs, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. XXXX XXXX XXXXXX/XX/XXXX, This company is reporting a charge off balance of {$120.00} to Experian and XXXX only and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 1681 inaccurate reporting and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. This is also in violation of my privacy rights in the Privacy Rights Act of XXXX and needs to be removed immediately. XXXX XX/XX/XXXX Late Payment reporting by XXXX, and Experian only, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with this bank that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report of my credit file. The bank can't disclose my information and the credit bureaus can't report it. They both owe for compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments are due everymonth on the XXXX conns home plus reported my account 30 days past due for XXXX when it's not accurate we are on the XXXX of January 30 days have not passed I contacted them to dispute and I got a reply of since my payment for XX/XX/26 did not go through it is delinquent still no 30 days past due and they won't fix it.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting erroneously on my credit and I suspect it's the product of identity theft, I disputed this once already the accounts are as follows : XXXX XXXX XXXX- {$890.00} XXXX XXXX XXXX {$700.00} XXXX XXXX- {$700.00} XXXX XXXX- {$340.00} XXXX XXXX  XXXX {$9700.00} XXXX and XXXX XXXX are reporting the same account. This should not be reporting twice.
Product: Mortgage

I was misled during my lending process. My initial lender Mortgage Lenders of America asked me to do a Credit Bureau Explanation. I thought the request was strange however since I am a first time homebuyer I thought I 'd comply. I was informed a week later that my credit report from XXXX had been updated and my legal name had been removed from my credit report and my credit score had dropped XXXX points. Also all of my physical addresses were removed from my credit report without my authorization or consent. This allowed Mortgage Lenders of America to raise the interest rates on my loan to 4.87 % FHA loan which is extremely high. I immediately contacted my loan officer XXXX XXXX with Mortgage Lenders of America about the change and she denied it. However, I only provided her with the Credit Bureau Explanation.I am now using another Mortgage Lender. However, I needed to report this illegal practice and I actually believe that someone should be imprisioned behind it. It allows these lenders to charge excessive interest.
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 XXXXXXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has erroneously reported my credit information to all three major credit bureaus. This inaccurate reporting stems from an error originating within XXXXXXXX XXXX XXXX itself. Despite consistently making payments as per my billing statements, XXXX XXXXXXXX XXXX continues to report erroneous account information, including an inaccurate balance. 

Furthermore, the personal information associated with the account is incorrect. My name on the account is XXXX XXXX XXXX which I have consistently communicated to XXXX XXXXXXXX XXXX  from the outset. This incorrect name has caused significant issues, including a prolonged period where I did not receive my account statements. This is particularly problematic as three individuals in my household share the same initials. This issue has not been resolved despite repeated attempts to bring it to XXXX XXXXXXXX XXXX XXXX attention. 

XXXX XXXXXXXX XXXX continues to send monthly statements to my address, indicating an outstanding balance. However, they simultaneously claim my account has been charged off. This creates a significant discrepancy. If the account is indeed charged off, who is receiving the payments I consistently make through their mobile app? Moreover, the balance reported to the credit bureaus is steadily declining. This apparent decrease in the reported balance directly contradicts the claim that the account has been charged off. 

I have attached screenshots as evidence to support my claim. The screenshots include : XXXX. A photo of my last XXXX payments made through the XXXX XXXXXXXX XXXX app. 
XXXX. A screenshot of my current balance displayed on the XXXX XXXX XXXX  app. 

This evidence clearly demonstrates a discrepancy between the information reported by XXXX XXXXXXXX XXXX  to the credit bureaus and the actual account activity as reflected on their own app. The attached screenshots serve as irrefutable proof of my consistent payment history and the accurate balance as of today.
Product: Bank account or service

I have had a checking account with Bank of America since XX/XX/XXXX. XX/XX/XXXX, they changed the terms of service and began charging a $ XXXX monthly fee, which was contrary to the promises a customer service representative had made about terms of service in the ( very recent ) past as the terms had changed only a few years before and I had discussed this with a banker in the branch. I never received notification of the XX/XX/XXXX change, and they never attempted to receive an acknowledgement or confirmation from me. After complaining, I did, however, receive a refund for three months of fees, but they still have five months of fees ( {$60.00} ) that have not been refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I contacted the XXXX fraud department to request a letter stating that I have continuously been a victim of identity theft. I had an office visit with the Department of Social Security Administration and they requested a letter on XXXX letterhead stating this information. After being on hold for 45 minutes, I was transferred to department after department. I explained that I am a victim of XXXX XXXXXXXX and my attacker continues to find me through my social security number and date of birth due to him taking my purse from me during the altercation. The Department of Social Security Administration stated, " If I could obtain all documents from each credit bureau that I would be able to receive a new social security number. '' I have given years of copies of disputes from each credit bureau showing this information. When I called, I calmly explained the situation and I was told that they could only send me a copy of my credit report. I asked for a manager and was transferred to someone by the name of XXXX claiming to be a manager and simply restated the exact same thing as the previous four people. If something was to happen to me that I would leave a written statement for the public, and all parties involved after numerous attempts to protect my life were bypassed because of a letter.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns that your company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt.

There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ). If this is not resolved in a timely manner, I am forced to seek legal action against your company for violating my consumer rights.

Again, this discharged debt is now considered taxable income and should no longer be reflected as an outstanding obligation on my credit report. Your company reporting inaccurate information is severely impacting my ability to obtain credit.

Please delete and update my credit profile with the correct information in regards to the mentioned accounts. 
Thank you, XXXX XXXX