23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX at XXXX. Central Time, I spoke to a Supervisor XXXX regarding the status of my account ( did not tell me that this was an effort to collect a debt ). He gave me the details and I asked for options available for my account. XXXX option he gave was that I could attempt to sell my car to a dealer. I told him that I would explore options and proceed as needed. On XXXX XXXX, I visited a dealership and they attempted to call WFDS to obtain a payoff quote for my car, and when they were attempting to get a payoff, my account was not to be found. They attempted via my SSN and name and was unsuccessful. I visited the dealership again on XXXX XXXX as I was going to sell my car. They again attempted to contact WFDS and they were again not able to locate my account. The dealership proceeded to obtaining an approximate payoff and closed on my new loan. On XXXX XXXX ( at XXXX Central Time ), XXXX from WFDS called me to inform me that I still have an issue with my account ( to my knowledge, she did not inform me that this was an effort to collect a debt ). I explained that I sold my car to a dealership and she proceeded to tell me that if they do not receive the payoff check within a certain amount of time, they will pick up my old car from the dealer. I explained that I spoke to a supervisor to explore options and that attempts were made for a week to speak with someone and she indicated that since there are no documented calls, that she essentially did not believe me. I told her that they could not document a call if my account could not be found. She was going to call the dealer to see what is going on. I called again at XXXX to ensure that she did what she told me she was going to do, which she did. I brought up the unable to locate my account situation again and said that if they could bring up my account on this call, why not for the past week. I told her that there were multiple attempts and explained that she was pretty much calling me a liar. She said I was putting words in her mouth and that since ALL calls are recorded, they could play back the recording. I told her that I had explored the options laid out to my by XXXX, and that since calls are recorded, she can pull up that call to hear the conversation. She told mentioned that supervisor calls are not recorded, how convenient. I asked her now what and she said that they were going to discuss my account. I told her that I am considering this resolved and she said that even though the car was sold to the dealership, it is still my issue. 

As with any other experience with this company, the customer service has been poor and uncooperative. This is not how a company should operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

I did numerous attempt for them to validate this debt and if this was done legally in my state ask for proof of sale and ammount sold to they send me 4 times nothing related of what i ask for and if they have the legal right to collect in my state the last letter i send them specifying what i needed as show in the upload picture of what they send me is more then 120 days of requesting a validation of collection under my name and contract of sale i will upload proof supporting my request. I send enough evidence of my indentity and i try communicating with them by mail ever since
Product: Debt collection

On today 's date, XXXX XXXX XXXX, I received a letter attempting to collect a debt. Upon receipt of this information I contacted the original creditor, XXXX, and confirmed with one of their supervisors, XXXX, that I do not currently and have not ever had an account with them sent to collections. This was verified with my social secuirty number. I then contacted the collection company, Convergent outsourcing inc., and spoke with supervisor XXXX XXXX ( sp? ) Who stayed that the debt was from an account during the period of XXXX XXXX - XXXX XXXX. At that time I had my service with XXXX XXXX XXXX and therefore the debt if false and illegal. The supervisor insisted that the original creditor would have no access to verify if I had the account or not. I told her that I dispute the account. This is a violation of the FDCPA ( Fair Debt Collection Practices Act ) and illegal representation of a debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted Trans Union who removed them all which raised my score and reduced my number of inquiries and added them all back today. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX, I contacted fastunsecured.com around XX/XX/XXXX for help in cleaning up credit, at the time they said I would need about XXXX ( I did n't have ) for them do do any work on my credit. They said they might be able to help me get the funds for them to do the credit repair work. They ended up applying to a bunch of credit card companies on my behalf ; Like XXXX express, XXXX ... I 'm not sure how many in all might have been XXXX or more companies. I received not XXXX single approval form any of the companies they applied to. XXXX now want me to pay them {$11000.00}, they have turned my so called account they claim I have over to XXXX XXXX XXXX XXXX, a collections company ... XXXX has now further damaged my credit report by placing this Scam {$11000.00} on my report. XXXX claim that because I did not forward to them all the denial response I received from the numerous companies they applied to, I owe them this obscured {$11000.00}. I want/need this company to remove their garbage collection from all XXXX of my credit reports now. Like I said I just got my bankruptcy XXXX and I am trying to get my life together I do not have time or energy to be dealing with this nonsense from them. So please help me.
Product: Vehicle loan or lease

Hyundai Motor finance should remove all negative payment history from my credit report. I was the co-signer on acct that was now paid by me. Its still hard for me to purchase vehicle I want and deserve due to this acct that the primary holder left with me.
Product: Credit reporting or other personal consumer reports

Experian started billing me for a paid subscription in XXXX of 2022. I have called numerous times to clarify that I have a free account associated with my social security number, and asked them to stop charging me. They, to date, have charged me {$410.00}. 
They did offer me a one month refund, which I received on XX/XX/XXXX. I confirmed again that the account associated with my social security number was a free account with no charges associated with it. Experian confirmed that. 
On XX/XX/XXXX, they charged my account another {$23.00}. I called again and they stated that they can only issue a refund of one month. I had the call escalated to a supervisor who then informed me that the paid account is in my son 's name, but it is charging my debit card and the account is connected to my social, not my son 's. 
Ironically, I got a new debit card 3 months ago and have not updated that information with Experian, yet they have the correct card number. My son does not have access to that information either. 
The supervisor gave me an account cancellation for the " paid '' account that she previously assured me that I do not have.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account number # XXXX These accounts have resulted in several fraudulent hard FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX the email address ( XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to XXXX disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payment for XX/XX/XXXX was made on time, as demonstrated by my bank statements and payment confirmations, which clearly indicate that the payment was processed well before the due date. This payment should not have been marked as late. 
Clerical Error at Creditor 's End : There was a clerical mistake by XXXX, where they incorrectly applied my payment to the wrong account, leading to the appearance of a late payment. I immediately contacted the lender once I discovered the error, and they acknowledged the mistake. I have attached correspondence from XXXX 's customer service confirming that this was a mistake on their end. 
Technical Issues on the Payment Processing Portal : I encountered issues with XXXX XXXXnline payment portal, which delayed the posting of my payment. Despite my efforts to make the payment on time, the technical issue led to the payment being recorded late. I have attached support tickets and communication with the banks technical support team showing the payment portals malfunction during the relevant period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 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. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( 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 account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 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. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

During Month of XX/XX/year>, work slowed down so I filed for a forbearance to save both my house and my credit. Asked the associate if this would affect my credit and was told no. Forbearance didnt go through until the month of XXXX. Credit was dinged for it. Forbearance was good till XXXX. Called them in the beginning of XXXX to lift forbearance and find out what to do with the missing payments for XXXX through XXXX. Went ahead and had a partial claim established. Was told to not make payments until it is finalized. So I didnt make a payment for XXXX, then they decided to ding my credit again. So I decided to resume payments. Paid for the month of XXXX, they took the money out of my account but it didnt register on their end until after it was due and dinged my credit again. The house has been sold and Im desperately trying to get into a new home. No lenders will approve me with this on my report. Mortgage payments were {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get my free credit report from Experian and was not able to do so with ease. This is a violation of my consumer rights pursuant to 15USC1681h ( c ) ( 1 ) ( B ) ( iv ).
Product: Credit card

Good afternoon, I recently made two balance transfers to my Bank of America World MasterCard in XX/XX/XXXX. I received a special offer for 0 % interest through XX/XX/XXXX in a direct mail offer which also referred me to the website to complete the balance transfer. I completed the transfers online after selecting the offer of 0 % through XX/XX/XXXX. Upon receiving my most recent statement, I recognized that the balance transfers are not reflected under any special promotion. The transfers are under terms for a 14.99 % APR. I contacted BOA at XXXX. I was told by the Representative that there were no special offers associated with my account and that there had not been in over one year. I told him that I never would have transferred balances to a card with at 14.99 % APR. I shared that I felt this was a deceptive practice and a UDAAP violation. I told him I felt like I had been tricked into transferring balances to BOA with the understanding of a 0 % APR until XXXX and am now incurring an interest fee of {$120.00} per month. He said there was no promotion offered and there was nothing he could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to put a credit freeze on my credit to prevent any theft in the future with Experian. After answering ambiguous questions such as " last four digits '' of your primary checking account ( I have 2 checking accounts ... ) and " what year is your vehicle '' ( which I have 2 ) it told me I had to send an unbelievable amount of documents through mail. This included SSN, bank account info, drivers license, etc. Of course, anyone who wants to freeze their credit report is trying to PROTECT their information and Experian knows that folks won't want to send this information in by mail where it could be lost or viewed by numerous individuals.

Experian has a paid service for locking my credit account. This of course costs money ( {$24.00} per month after the first month ). They have no issues in verifying my identity once I provide my credit card.

Experian is trying to get around federal laws requiring them to provide credit freezes to customers by creating unnecessarily burdensome requirements that put consumers at even MORE risk of identity theft.

I would like Experian to put a credit freeze on my account online. I had no issue with this process with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX XXXX bankruptcy and included my American Express account and my XXXX XXXX  Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.