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

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  ( Original Creditor : 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever consumer reporting agency prepares a consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and one more thing according to USC 1681s 2 a person shall not furnish my information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Debt collection

Trident Asset Management is reporting that I have an account with them in collections and this has been reporting on my credit report since XXXX. I have no contact information no notices or anything to even verify that I owe this debt. This is obviously hurting me significantly and I just want to get this removed and resolved. Please help me. Thanks.
Product: Vehicle loan or lease

golden one placed two negative marks on my credit due to a system issue that did not advance duplicate payments made over multiple months. Because the dealership did not put the correct number on file. They did not contact me to remediate not even by mail. I was informed of this issue after they placed the first negative mark and after i called the second mark. I havent had one late payment by any of my accounts and my credit score was XXXX now its XXXX i feel like this was done on purpose to adversely and negatively impact my score. 

when i contacted golden one in early XXXX, they informed me that they would fix and it would take 10 days on a recorded call. they issue was that multiple payment in month were not advanced properly. after 10days with no call back. i contacted Golden one and they informed me that they could not correct the issue. I spoke to another rep who said they could fix it and when i called back after 7 days again they again said they would fix one mark and not the other. 

incorrect information from the dealer did not allow me to remediate this issue golden ones billing system not advancing my payments properly. 
golden one not using an alternate way to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX BANK NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00}, XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX OF XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card or prepaid card

I find the idea of banks dictating Government policy through their lending and commerce practices to be wrong. These are the same banking institutions that received Billions in Tax-payer bailouts due to their own negligence. 
The banks were rewarded for their efforts to destroy the economy, while consumers were punished. Now they want to control the firearms industry through policy changes, an area they have no jurisdiction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership they said they were gon na just pull it for XXXX XXXX XXXX XXXX. However, there was 17 other hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On or about XX/XX/2020, I entered into a debt settlement agreement with U.S. Bank. The written settlement agreement I received had an incorrect amount, and after I contacted U.S. Bank, the amount was eventually verbally corrected. I did not receive a new written settlement agreement. On XX/XX/2020, a U.S. Bank representative advised me that a new settlement agreement was mailed to me in XX/XX/2020, which I did not receive. On XX/XX/2020, a U.S. Bank representative advised me a new settlement agreement would be mailed to me, which I never received. Therefore, I can not send payments and close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested of this credit bureau there method of verification as it pertains to a XXXX  XXXX XXXX account that was reporting on my credit report. To this date I have not gotten the method of verification. Close to 4 months have passed since the credit bureau got my request and my request has not been granted and this is a clear Fair Credit Reporting violation. The only thing that I got from the credit bureau was a statement saying that the item was been reported on my credit report accurately. 
I wonder how they can say that the item is been reported accurately when XXXX is saying that the XXXX  XXXX XXXX account went into a charged off status in XXXX, XXXX and XXXX and Equifax is saying that the account went in a charged off status in XXXX XXXX. On My XXXX  account it says that the account is paid in full and it also says that the last payment was received on XX/XX/XXXX. So, how can it be that all three credit bureaus is getting the information from the same source but yet different information is listed on each credit report. This is inaccurate information that is been reported on my credit report and XXXX  XXXX XXXX should be deleted from my credit report immediately. I am enclosing a copy of my XXXX Credit report.
Product: Money transfer, virtual currency, or money service

XXXX, 2022 I had reached out to cash app customer services about my federal tax refund that was release to my account but I never received my refund to my cash app account. I'm not sure the exact amount but over {$3000.00}. no one never contacted me. I was just told they have nothing to do with what happens with tax refunds.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX of XXXX Social security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX I am exercising my right under the Fair Credit Reporting Act, 607 15 U.S.C. 1681e ( b ), Compliance Procedures As per Section 607, Accuracy of Report, A consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information about whom the report relates, backed by 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As proof of my identity, I have included copies of my Social Security card, These are my information, please remove any other names, non-mailable addresses, and phone numbers from my credit report. 

per the FCRA as a federally protected consumer I ( XXXX XXXX ), am now opting out of any & all authorization I the consumer may have given written, unwritten, verbal & nonverbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt-out notice to consumers ; opt out methods.

a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! None of the companies that i have credit cards with has provided copies of the IRS forms such as 1099c,1099a and 1099OID filed with the U.S. Treasury and it does not appear that they are filing the proper taxes with IRS.companies must provide consumer with a copy of appropriate 1099c for accurate IRS reporting for any debt over {$600.00} U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. 
My credit report shows this is my account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX, however, on the XXXX website, it shows my account number is XXXX. This is INACCURATE information, inaccurate information must be removed immediately. 



Below Ive attached all charge-offs on all three of my credit reports. Please remove all charge-offs and inquiries and student debt from all 3 credit reports.

Please remove All inquiries on my credit report under 15 USC 1681 for permissible purposes.

Please remove all other names, addresses, phone numbers, and email addresses other than the ones that I have provided here
Product: Debt collection

Refused to give me name and phone number of company along with address before I verified social security information. Requested no phone calls and to have written documentation of debt. Became aggressive when stated my right to know who they were and where located and how I could contact.
Product: Checking or savings account

I found a weird transction and the amount was {$4.00}. I tried to get in contact with XXXX and one of their employees blocked the line and asked me to download an app and the hacker ( one of the XXXX staff ) has gained control of my phone and is monitoring it, accessing my personal information and making unauthorized transactions. The transactions amounted to {$2000.00} and {$8800.00} respectively and occurred in CA, but I am based in New York as an international student attending courses. I NEVER WENT TO CA and do not know anyone living in CA and have only transferred money to XXXX individuals with a small amount of money before. It is crucial to note that I did not authorize any money transfers, especially for the amount {$8800.00}. I attempted to contact the bank regarding the unauthorized transaction of {$8800.00}, but they informed me that I either carried out or authorized the transfer, despite my certainty that I did not. As soon as I noticed the pending transaction on the app on XX/XX/XXXX, I requested that the bank block it immediately. Unfortunately, Bank of America did not comply, resulting in the transaction being completed. This has left me feeling frustrated and disappointed. Can you assist me in resolving this matter? BTW, the hacker 's phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

Capital One Is Trying To Sweep My Dispute Under The Rug And Close It Out In A Jiffy. I Spoke With An Alleged Supervisor Today Named XXXX, Who Was An XXXX XXXX XXXX Human Being. XXXX XXXX XXXX, Antagonistic And Argumentative, He Showed No Empathy, Understanding Or Compassion For My Situation. I Have Called In To Capital One On Several Occasions To Clear Up This Dispute With XXXX And Every Time I Call In, I Get The Run Around Or The Reps Say I Need To Submit Another Piece Of Documentation. Capital One Is Not Protecting Their Members/ Customers From Merchants Who Are Not Rendering Services To Them. 

I am disputing the charge of {$300.00} with XXXX because services were not rendered to me. First of all I reserved a gas vehicle, a XXXXXXXX XXXX when I got to XXXX, the representative stated that there were no more gas vehicles available. Then she turns around and gives a XXXX XXXX a gas car, away right in my face to another person. The representative at XXXX then said all she had left was an electric vehicle, a XXXX XXXX XXXX. 

This was my first time ever renting and/ or driving an electric vehicle, what the representative failed to tell me was that the vehicle took 8 hours to charge. This was a huge negative impact on me being able to drive and make money efficiently with XXXX ; because with a gas vehicle, I can just gas up and go, with an electric vehicle i was unable to drive for 8 hours while the vehicle needed to charge. On top of that, the vehicle stopped working and had to get towed back to XXXX, the vehicle was towed by XXXX XXXX, XXXX phone number XXXX. I submitted proof to Capital One taht the vehicle was towed back and it's still not enough for some reason, they have me jumping through hoops of fire when it is really simple, the vehicle stopped working and had to get towed back to XXXX, therefore service was not rendered because I was not able to use the product that I rented from them. I tried to work with XXXX, but they refuse to do the right thing and refund me my money back for all of my problems that I had with them. 

This is not right and Capital One needs to do the right thing. The best number to reach me on is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX account negatively stating in collections I bought the car out in XX/XX/2015 not in negative status. The have been reporting this now for over 10 years.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureau REPORT errors and diferet information they are charging meto monitoring my credot 3 times amont
Product: Student loan

I am submitting this complaint regarding my student loan with Navient previously known as XXXX XXXX. I have taken out a loan in XXXX for XXXX. Now the cost is over 5000 and they are claiming that I am in default. One loan i have is paid off, the other is still in repayment. If the payments are grouped together, how is one in default and the other not? I have submitted transcripts to Navient and also a request to delay payment while in college. The transcripts were from XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They have refused to accept them. I have been paying my loan as my monthly statement becomes available paying anywhere between fifty dollars to a little over two hundred dollars. I have been paying on time and current for over* two years. When I logged into my account I have three loans. One is listed as paid in full, another as paid in full the final one I am still paying on. The issue is that, while one stated paid in full was later changed to Paid in full by the Department of Education. I was never notified of this by Navient. I was later contacted by a collection agency assigned by the Department of Education, XXXX  They have been calling me mercilessly at work and home. They have been sending letters to my home. I have set up a payment arrangement with them in the mean time, me that the past six months. They have been telling me they would send me information that I am in a rehabilitation program. They have not done so. They have changed their story every time I called them. Now they are threatening to garnish my wages within the month. This upset me because I should not even be in default. I am still in college, i attached my payments. Now that this is posted on my credit i can not apply for financial aid either. Another reason, I have been paying the agreed amount to XXXX What they have done to me is unethical and illegal. Attached are my transcripts, copies of Navient payments, letter threatening to garnish wages and past checks sent to XXXX. The most convenient way to contact me is via email, I work days. If you chose to contact me via phone, please leave message and I will return it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in XX/XX/XXXX. I received a loan with Capital One Auto Finance. I paid off the car in full, early, in XX/XX/XXXX. I received the vehicles title and later sold the vehicle. In XX/XX/XXXX I found that Capital One Auto Finance reported to my credit report that the loan was late and I owed an outstanding balance of {$27.00}. I contacted The company and they agreed they made an error. They promised to remove this negative item from my credit report. Instead of removing it they found it as a charge off. Which affects my credit report. This information is incorrect it was added over a year later after they receive full payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin, I haven't been trying to contact a " real person '' with Experian for the past week. Upon finally getting in touch with someone on XX/XX/XXXX, he was not only rude, but of no help in trying to solve my issue. I noticed some activity on my report and immediately placed a freeze on the account and tried to get things removed ( inquiries ) that were not authorized by myself. I also contacted the company before contacting Experian. I am a customer and I contacted this company for assistance, of which I received none.
Product: Credit card

I received a letter from Synchrony Bank notifying me that an account was opened with Walmart. It states " Since the address and/or first-last name on the application did not match the address and/or first-last name contained in the consumer credit bureau report, we are writing to you to confirm that the account was opened at your request. '' I called Synchrony and the rep tells me if the information did n't match we would not have opened a card for you ... let me look. He says, Oh! you 're right it did get opened. Then he asks if I applied for TJ Maxx and American Eagle? I said no. Oh those were approved too. I said, if the information on the application does n't match my credit report then why was it opened? I 'm not quite sure. I find it a little concerning on my part that this credit card company is randomly opening accounts without thoroughly checking to see if the information is correct.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that Resident Verify conducted a hard inquiry on my credit report on XX/XX/year>. They requested my information to conduct an " Identity Verification '' and I never gave authorization for them to pull my credit report. However, I noticed that they did in-fact conduct a hard inquiry and pull my credit report with XXXX. When I tried to call the number listed with XXXX, I they had an automated system that they do not work directly with individuals, so there is no way for me to dispute this with them.