23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. I received alerts Transunion is reporting on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i didn't give authority for anyone to run on his credit.
Product: Vehicle loan or lease

A Santander car loan class action website has been established to inform consumers of a proposed {$550.00} XXXX settlement that they may qualify for. 

Though the website is live, the settlement is not accepting claims at this time. A judge has yet to approve the settlement deal. Top Class Actions will provide information on how to file a claim as soon as the details are available. 

The {$550.00} XXXX settlement would resolve a probe by 34 state attorneys general into allegations that Santander issues unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts.
Product: Payday loan, title loan, or personal loan

I made one payment to this company and maintained constant contact. They have been very rude since Ive been unable to make payments and have told them repeatedly that I am voluntarily surrendering the vehicle. In order to charge more interest, they keep stating they arent in the car selling business and keep my loan open. Loan start was XX/XX/XXXX with a 700 % interest rate. They stated that if I paid only interest at {$780.00} a month, I could renew my loan after 5 months, still not paying down the initial principal of {$2800.00}. I told them in XXXX of XXXX that I was unable to continue to make payments because I was unemployed. This was when they responded with they couldnt take possession of the car.
Product: Credit card

Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.
Product: Debt collection

XX/XX/year>2015 I closed my XX/XX/XXXX account due to nonpayment from other co-partys. After so I contacted financial aid they said that this will fall off my credit report after 7yrs. Now another creditor that bought my debt has posted it on my credit report. Southwest credit system now has my old debt from XXXX after almost 10 years. The contact number is ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Is this legal to keep my debt sold the the next creditor? Can you please look into this and see that they dropped us off my credit report?
Product: Credit card or prepaid card

I recieved notification that the rewards feature of my card was being upgraded. This was presented as a feature change so I did nothing. Later I was notified that a new card was being sent to me. This made no sense to me as my current card was still good to 2023. 

My current card has been declared inactive by the rewards department and my contact information was changed to the rewards department XXXX number. This access to my account online management seems to border on hacking. 

I have spent hours trying to restore my account to its previous status and I have a complaint number but no action is being taken on my requests. Instead I am being told that a new card is on its way and my current card is cancelled. 

None of this is by my request and I do not understand why I am being attacked this way. Further I feel my data is not safe with this company but if I close this account they still have my data to do with as they please.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard Inquiry was placed on my Credit Reports by these companies without my knowledge. 

XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX. Llc on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX Jpmcb- Card service on XX/XX/XXXX
Product: Credit card or prepaid card

Kohl 's Credit Administrator XXXX XXXX XXXXXXXX XXXX, WI Customer Service XXXX XX/XX/22 : Order # XXXX ( Rice cooker order made and assisted by XXXX XXXX Kohl 's Customer Service Person ) I purchased a rice cooker with a new credit card that was offered thru Kohl 's. However, Kohl 's customer service person ( Rep ) stated the order got cancelled by the Kohl 's system. Few days later, I received the charge card statement amount of {$370.00} while I still haven't received a rice cooker. 

On XX/XX/22, I called and talked with Kohl 's Rep, stating the order had been cancelled by the Kohls system and she reordered this rice cooker and followed an email stating the rice cooker was ready to ship. 

On XX/XX/22, I called and talked with Rep, and he said, XXXX XXXX time required and asked to wait until XXXX. 

On XX/XX/22 I called and talked with Rep, she said, no delivery activity being shown in Kohl 's system as she stated. She can reorder or I cancel the order and refund. I was very disappointed at this point. I requested a cancel the order and a refund to my account. I feel like this was a scam deal. 

On XX/XX/22 I noticed on Kohls website, charges still on my Kohl 's credit card. I called and talked with Rep. again. She said, Congratulations, all charges on my account have been removed and it takes effect within 7 days. I also asked to cancel my Kohl 's credit card. 



XXXX XXXX. I received a phone call and left a message saying my Kohl 's credit card payment is late. Call back XXXX. XX/XX/22 I called and talked with Rep. She can not help me with this matter. 

Please help me to resolve this matter Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX Cel : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal 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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am filing a formal complaint regarding a fraudulent medical collection account reported by National Recovery Agency for {$580.00}, tied to XXXX XXXX XXXX XXXX XXXX. This account is not mine and was the result of identity theft. I never received services, never authorized this debt, and did not sign any documentation associated with this account. 

I submitted a Federal Trade Commission ( FTC ) Identity Theft Report, my drivers license, and proof of residency to the data furnisher and the three credit bureausXXXX XXXXXXXX, and XXXX required. Despite this, the item remains on my credit reports, damaging my score and violating my rights. 

Under the Fair Credit Reporting Act ( FCRA ), once identity theft has been properly reported, the furnisher must block and delete the account from all credit bureaus unless they can provide verifiable documentation with my signaturewhich has not occurred. 

Additionally, since this is a medical debt, under HIPAA ( Health Insurance Portability and Accountability Act ), no personal health information should have been shared with or processed by a third-party agency without my authorization. This is a clear privacy violation.

I am requesting that this account be immediately removed from my credit reports across all three bureaus and that the furnisher be held accountable for their continued noncompliance with federal law.
Product: Vehicle loan or lease

I had bought a XXXX XXXX XXXX and it had an extended warranty and within day three the check engine light came on the warranty never was picked up I Kept calling the warranty people and they never helped the alternator went out so I took it to XXXX And we needed a new alternator and they wouldnt pay for it but that wasnt the only time it broke down
Product: Credit reporting

I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.
Product: Debt collection

I am submitting a complaint against Freedom Acceptance. I had opened a case on this already and it was not addressed that the amount owed was accurate. I had a balance of {$750.00} and keep increasing the amount, currently they just updated my amount owed this last week {$9.00} bringing it to a total of {$3500.00}. I have not have not received a payment history or a itemized bill stating all charges and fees. This has also been addressed in Attorney General XXXX XXXX XXXX vs. Freedom Furniture & Electronics, Military Credit Services , LLC, and Freedom Acceptance Corporation which is addressed in line XXXX and XXXX. I was also being charged more than the 5 % late fee charge as mentioned in line XXXX going from {$750.00} which was reported by email on XXXX/XXXX/XXXX ( see attached document ) to {$1000.00} which was also reported through email ( see attached documents ) on XXXX/XXXX/XXXX. Which is about 2 weeks in time of each other. Not only have they not corrected the amount for any of the credit bureaus which are violating the Colorado law exceed the finance charges authorized and allowable under Code XXXX which is line XXXX. It was noted in my last claim XXXX that I was granted {$510.00} in which I never received notice or documentation supporting which is required by the Consent Judgment on line XXXX. In attached emails have consumers fees for payments made via electronic means notwithstanding that the Administrator advised Freedom Furniture in XXXX that such provisions violated Colorado law. In addition to threatening a lien on our assets without a actual lawsuit.
Product: Student loan

XXXX and Edfinancial XXXX XXXX are not communicating with me about the forgiveness loan information which was sent in XX/XX/2024 to them from my XXXX  as it relates to the current status of the forgiveness loan. I need help paying the XXXX dollars when it comes due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the XXXX and XXXX XXXX format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain loan.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit card or prepaid card

XX/XX/2021 received alert from barclays credit card for 2 transactions, {$670.00}. & {$790.00}. total is {$1400.00}. i disputed this and wasnt given the opportunity to participate in the investigation. i have asked multiple times for proof of the charge, how was the charge made, when, is there an invoice, transactions signed, we have been denied of this information, we filed claims with the credit bureaus and one of them have removed the charge. XXXX XXXX XXXX mistreated us as customers and has refused to provide us proof of the charge that we only have a contact number on the fraud charge, is not working number. we have no knowledge and can not get a hold of the fraud merchant as no XXXX info comes up, we have no information to fight the merchant as barclays investigated but refused to give us the documents thats says we did thus fraud charge, so how did XXXX  determined we are responsible if the merchant is non existence.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is not reporting to the credit bureaus correctly for my payments in XX/XX/2024. They should be reporting that it was current no unknown, I paid it and have proof of the payments in XXXX. Please have them update all XXXX credits places as they do a percentage and with this not showing it was current in XXXX, it lowers this score. I am trying to buy a home for my children and I. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Product: Debt collection

LVNV FUNDING put collection on my credit for a XXXX account. I had insurance with XXXX. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from LVNV and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit
Product: Credit card

In XX/XX/scrub>XXXX XXXX I was charged a total of {$10000.00} by a company that I had taken classes from about 9 months prior. This amount was an amount that I have not received a receipt for nor authorized for. This amount was an unauthorized charge on my Apple Card. I created a dispute with Goldman and Sachs Co for this since I never approached that amount and didnt make the payment. 

The first time I created the dispute I provided them the past payments I made to the company showing them that the receipts I had were matching the prior payments. However, the recent payments totaling to {$10000.00} was never something I authorized and didnt have a receipt for. Yet my dispute was denied and the merchant was found in the right. 

I disputed again and asked them how can they find the merchant in the right, they dont even have a receipt for this transaction, it is fraudulent. They said that there was no response from the merchant so they sided with the merchant even though I provided them again a proof of trying to reach out to the merchant and asking them why I was charged those amounts and responding to the bank. They never responses to the bank and the bank still sided with them. 

I did a third dispute and it was still denied and I called them again asking why it keeps getting denied and that I literally have no idea how I can prove them that I didnt authorize something and that they keep siding with the merchant even though they dont even get any response from them. 

I asked them to dispute again, for the forth time, and asked them to request from the fraud department for a reason why the disputes are being denied. What proof do they have from the merchant to deny my dispute because I am so sure they had no contact from the merchant. And of course I never received anything upon this request. In fact, this time around, they closed my account with no good explanation. The dispute is still open and I have no idea if it will be in my favor or not. 

Every time I asked the representative for a contact to reach out to their fraud department and every time I was told that the fraud department has no internal number to reach out to that even they can not get in touch with them. Not to mention that the last representative I talked to was super rude, how would the fraud department not have a contact number internally in the company??
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXUNITED REVENUE CORP ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card

XX/XX/XXXX It has come to my attention that an Application called XXXX ( APP ) that I had been using to keep track and pay my credit cards had some technical issues and was not syncing and servicing to 2 of my accounts. This resulted in XXXX consecutive missed payments this past year. The app was called Prism and it was a bill pay and bill tracker app. Apparently I have not been the only person with this issue as it is no longer available to view or download on the App store. 

I am in the process of moving and trying to secure a new lease for housing for my family and this has greatly affected my credit score as I am told. I would greatly appreciate if I could have these late payments removed from my credit report since this was a technical error with these 2 accounts. The Prism app showed that the payments were made on my end but the money apparently never left my bank account to pay the bill. This only happened on 2 of my accounts thankfully but it was difficult to catch the error and wasnt noticed for several months. 

I have listed the accounts below and would ask that these delinquencies be removed to help me secure a new lease for housing for my family. 

# XXXX XXXX XXXX XXXX # XXXX missed payments XXXX, XXXX, XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX missed payments XXXX, XXXX XX/XX/XXXX After this error was noticed, I have stopped using the Prism app and pay my bills directly without a payer/tracker app and all payments have been made on time. I have spoken with the credit card companies directly since this was over 1 year ago that it occurred and was no fault of mine and they will not assist me. 

Please help to assist me with this situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX, AL XXXX SS # XXXX XXXX : XX/XX/XXXX
Product: Credit card

On XX/XX/2016 I was billed XXXX in error. I disputed the charge with Capital One. Capital One initially credit me back and said they would investigate. One XX/XX/2016 Capital One re-billed me the charge they initially credited. XX/XX/2016 I started receiving harassing calls to pay a for all the finance charges and late fees that they tacked on because of re-bill. I contacted Capital One and I was told that they did not investigate the dispute that was originally filed. I was told they would credit my account back for the late fees. finance charges, and accrued since the initial disputed that had been filed in XX/XX/XXXX. The there was a total of {$170.00} that was suppose to be credited back to my account because of their error and failure to dispute. In return, Capital One closed my credit card, falsely reported inaccurate information to XXXX, XXXX, XXXX in regards to my account being past due, charged off and delinquent. They violated my consumer rights under the FCRA. They also took my {$200.00} deposit that was used to secure the card since it was a secured credit card. They refuse to return it or either credit the deposit towards another card. They have failed to provide adequate resolution that has been detrimental to my credit and have defamed my person as to report false information to the credit bureaus. They have called and repeatedly threatened illegal legal action against me. I am wanting adequate response and resolution as this has been an issue since XX/XX/2016 that has not been resolved.