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

I leased a car from GM financial in XXXX and returned it in 3 years in XX/XX/XXXX. There has been a disposition fee ( apparently if you do not extend or lease another car from GM the company charges you {$390.00}. I asked my dealership if I owe any money and he No. I went home thinking I am complete with this lease. Recently, I received one or two call and one email from GM to call them back. I replied to that email and inquired about the matter. Also called them and was not able to address the case. Now I see that they have put charge-off on my credit report and when I called the customer service they let me know they have been sending letters to my old address and I am not sure why GM did not email that letter? I requested to remove this charge-off and I will pay the remaining Ballance and the person I talked to said that is not something they would do.

I was planning to lease a car from GM in the past month and I don't think I have the faith in the company anymore. I am disappointed and I this has impacted my credit score a great deal.
Product: Credit card

I was approved for a discover student cash back rewards card with an {$500.00} limit after applying and providing my student email address. I only used the card to make a few purchases and all of a sudden the card was shut off. I received an email stating discover wanted to use XXXX verification services to access my prior years tax return statements. Due to the fact that I was ( you can verify this through XXXX data breach settlement website and click has my information been affected ) a victim of XXXX data breach, my personal information was compromised alongside the other XXXX XXXX plus victims. Because of this I called Discover and spoke with a fraud specialist who told me I had to do it. He treated me like I had done something wrong when I was the victim! He told me that they needed me to let them see my tax returns to verify my identity but offered me no other way of verifying my identity such as the tradition ways most other banks use ( drivers license, birth certificate, bank statements, etc ). Because I was a victim of the data breach, I was afraid of XXXX and to even allow access due to my compromised personal information. When I told the fraud department no, they immediately closed my account and sent my final bill. So the hard inquiry, to the account only being open a week, I never got to use any of the benefits that I signed up for the card for to begin with. Its a shame I was treated in such a manner. Discover needs to reevaluate there decision and should not require data breach victims to expect to allow them access to there tax info via the same company that there personal information was stolen from.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$160.00} XXXX  XXXX  XXXX {$810.00} XXXX  XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, 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. 

Accounts name : 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. Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 ITEAMS OF INFORMATION ANY OTHER ADVERSE ITEAM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit card or prepaid card

Bank : TD Credit card : TD CASH, VISA My interest Rate is at 25.24 % and I've been paying my bill on time for the past 6 months. I called in and was unable to get it lowered. Judging by my credit cart payments my creditworthiness should not fit into that third bracket of 25.24 % When I called customer support at XXXX XXXX XXXX XXXX. I was told that rate is based off of my creditworthiness, but my creditworthiness is good based off of my payments. They never told me what the Prime Rates for the card is so I was left with little help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze on my information and having been trying to get a credit freeze lift to apply for a credit card and Equifax will not allow me to do it online or through their automatic phone line. I tried writing to them to lift the freeze and they never responded so I do n't know if they lifted it or not. I need this done quickly because I am applying for a credit card and there is no telephone number to reach a live person. This is messing up my life.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, and questionable items that your agency didn't make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 16811e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX percent accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX percent accurate under 15 U.S.C 5 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports You are in violation of the FCRA and can result in legal action if this is not removed.
Product: Debt collection

Checked my credit and saw this collection agency. I have not received anything about a debt. Please provide certified confirmation of delivery. And please provide license to do business in Illinois XXXX XXXX XXXX. it 's against the law to report unfairly on one 's credit report. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Experian, XXXX and XXXX that they were reporting incorrect names and addresses on my credit report. XXXX responded that with a claim that a third-party is assisting with my credit after I sent all proper identification documents to identify myself that I was requesting that they correct the inaccurate names and addresses. The information has not been corrected as requested. 

Experian mailed my dispute results and removed some names and XXXX address when there are multiple names and addresses. The dispute results also brought to my attention that XXXX social security numbers are being reported. If I'm not mistaken every human only has XXXX social security number. It seems to me Experian is allowing fraud. 

The XXXX imposes obligations on credit reporting agencies concerning the accuracy and completeness of information in an individual 's consumer report. Per XXXX, the credit reporting agency is not in compliance by knowingly reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian asking them why I have a bankruptcy showing on my credit profile. They explained to me that they use a third-party company XXXX who uses a third-party company to verify the information. 

I attempted to reach out to them and ask them what information they had proving that the account was mine and they said they only had my first and last name and the last XXXX of the social. I attempted to verify the full social and they refused to provide me with any further details. 

Experian also has XXXX accounts from XXXX XXXX on my credit profile which were included in the bankruptcy. XXXX which they removed and blocked but them placed it back on their stating that XXXX XXXX requested that they unblock it and put it back on there. 

I was still in XXXX XXXX during the time of all of this and not knowing this was going on.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : WAKEFIELD AND ASSOCIATES {$440.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAKEFIELD AND ASSOCIATES {$440.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX I try to create a Credit Karma account to track my credit score. I realize I'm unable to create an account because someone else has already created one first using my name, ssn, bdate. I didn't receive the follow up email so I try it again in XX/XX/2022. 
XXXX XXXX I reach out to Credit Karma to inform them again that someone used my name, ssn, beaten without authorization. Credit Karma rep told me they take security seriously and that I can send in documentation to verify my identity. The account was opened under email address ( XXXX ) and this user did nor have to send in documentation in order to use my identity. Closing the account was their remedy to this issue. Credit Karma allowed an ex who was convicted of trying to kill me to have access to my personal information also endangering my personal safety. I'll have to make a police report because my info was not kept safe.
Product: Credit reporting or other personal consumer reports

In accordancewith the Fair Credit Reporting Act ; the list of accounts below has violated myfederally protected consumerrights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 ( a ) : 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. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : States that a consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681c. ( A ) ( 5 ) : States that consumer reporting agencies can not include adverse items of information ( other than records of convictions of crimes ) that are more than seven years old.

15 U.S.C 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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 account numberXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section602A 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.C1681c a ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions which antedates the report more then 7years 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 tht the information is inaccurate
Product: Vehicle loan or lease

I am located in XXXX XXXX County, FL, I have an auto loan with American Credit Acceptance, for a used 2008 XXXX XXXX, purchased around 3 years at {$17000.00}, 90k miles at a interest rate of 27.5 %. <P/>I was told that is abnormally high, is this legal? <P/>My car payment is {$550.00}, which is difficult and have fallen back a few times. I have tried inquiring but no luck, nor are they willing to waive the late fees.
Product: Mortgage

My social security card is a credit card. I applied for a mortgage with Truist Bank and was denied an extension of my own credit without receiving any benefit. This would be considered unauthorized use of a credit card which is criminal activity. The Equal Credit Opportunity act speaks against this discriminatory practice by lenders after a consumer has been pre approved. XXXX is implicit in the damages caused against me by furnishing incomplete, inaccurate information that they know or have reason to believe is false, causing me adverse action. This unlawful action has caused me embarrassment and financial hardship. An amicable resolution for this matter would be for Truist to award my credit on different terms and or for XXXX to make me whole in the sum of {$300000.00} for the damages caused to me via discriminatory lending practices. Please find the attached letter that was sent to Truist as the first step in resolving this matter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer 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 any consumer if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

First the " What best describes your problem '' options had nothing remotely close to my situation. I picked one, but it really doesn't come close at all. 

I have two debts in collections with MCM ( Midland Credit Management ). I received a call in XX/XX/2019 from " XXXX '' who wanted to set up a repayment plan. During that phone call, on several occasions, he mentioned that as long as I made payments, they'd report to the credit bureaus that I was making payments ... something that I know is seen as a positive on my credit score. I made a payment arrangement on each of the two accounts, one I was told would pay off the account when the agreement was complete, the other wouldn't. I started making payments as of that day, and have kept up with the agreement every month since. 

I check my credit score regularly, as I am trying to repair several issues, and over the last several months was surprised to see that there was no change to my score and no change in the reported status of these two accounts. So, a week or two ago I called MCM to find out when they'd start the reporting they'd promised. I was informed ( by someone else, I don't know who ) at that point that they do not have any plans to report anything about the debt at all until it is paid in full. It will continue to show as being in open collections until that point. This is absolutely NOT what we had discussed and I am very frustrated by the situation. 

I called again today to be sure I fully understood the situation and was once again told basically, " I'm sorry, I don't know what you were told initially, but we will not be reporting anything except the account being in open collections until the account is paid in full. ''
Product: Credit reporting or other personal consumer reports

I previously disputed this inaccurate address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX with Experian credit reporting agency and I got a response from XXXX stating this inaccurate information is not reporting on my credit report but it is indeed reporting on my credit report I will attach copies of screenshots to prove the address list above is reporting on my credit report on tab ( XXXX ) Experian credit reporting agency has a responsibility to report accurate information once again remove this address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX immediately from my credit report immediately or I will seek an attorney! 
I will also attach copies of my current lease agreement for XXXX  years