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

XXXX ( XXXX ) years ago on XX/XX/XXXX, I purchased my vehicle financed from GM, but on XX/XX/XXXX only over a month later, I had problem with engine light which was then turned off But no replacement, or repair offered, nor was warranty with regard to Federal Law Madison-Moss warranty Act. From XX/XX/XXXX - XXXX XX/XX/XXXX., I had to continually do repairs Then finally my vehicle broke down from XXXX XX/XX/XXXX. Amid XXXX XXXX pandemic I was given a forbearance, modification Deferred payment plan by GM But in XX/XX/XXXX, it was cancelled without noice, making all payments current again, then sent me a 120 days late notice. I was told to go to XXXX XXXX to pay {$400.00}. On XXXXEven though, my vehicle did not run. So I made the payment. Then the following week XX/XX/XXXX. GM illegally repossessed my nonoperable vehicle. Then they closed then agreed to closed the account on XX/XX/XXXX and again on XX/XX/XXXX. I do not owe GM.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Equifax consumer report that listed a balance with XXXX XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance. This account should reflect as paid in full.
Product: Credit reporting or other personal consumer reports

I have disputed and contacted Experian, XXXX, and XXXX numerous of times, they are ignoring my request. I know they have been under fire for false and misleading credit reporting and they are not protecting me as a consumer. 

I have requested to see verifiable proof ( an original consumer contract with my signature on it ) that they have on file for the accounts listed below. They have failed to provided these documents. I ask for a VALIDATION OF DEBT, otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and buy a house for my family. Under the FCRA, inaccurate, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your help in this matter.
Product: Debt collection

I was called by a someone on XX/XX/XXXX at XXXX am who said their name was XXXX XXXX with IPM group who said I had an outstanding payday loan debt from XXXX. He had all of my personal information including address and social security number. He was very aggressive in me having to make a decision to pay them, while being flighty about company details. He called me from an oregon cell phone number ( XXXX ) but claimed his corporate office was in Texas. I asked to speak to a supervisor and he said he was the supervisor. I had pressured him further to speak to someone else, I could hear him hand the phone to someone else who was aggressive who said their name was " XXXX XXXX ''. I asked for a first name and was given XXXX XXXX. When I asked for company information he said " we are not doing this '' and hung up on me. I called back asking for more information from XXXX XXXX who continued using the phrase " are we going to be able to make this payment happen or will we have to move this forward? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$400.00}, Accounts : XXXX XXXX XXXX Date Opened XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX Closing Date XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX this company contacted my place of employment and left a message on a co-workers phone. I feel that this is a violation of my privacy. First of all if they were to continue calling this person that person would have to start to wonder what's up. 

I have as of today XX/XX/XXXX. Left them a message to no longer call my place of employment. 

This debt is now being negotiated by XXXX XXXX. 

I had tried to make good on the payments and am now unable to do so hence why XXXX XXXX was contacted. 

They contacted all of the companies put into the program but Mariner Finance is the only one who called my employer and left the voicemail. 

XXXX gave me a safe number to change as my contact info. I did this for all the creditors but Mariner Finance is the only one ignoring it. 

I know original creditors have some leniency but in the case of leaving a message on someone else 's voicemail at work is or at least should be a violation regardless of what the message said.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : The account was transferred and any late payments recorded after this date should not have been reported. The transition period led to miscommunication between the loan servicers, which resulted in an erroneous XXXX late mark. 
Payment Processing Delays : During the transition, my payments were processed and made on time, but due to internal delays between the servicer and XXXX, the payment was not recorded promptly, resulting in the false reporting of a delinquency. 
Systematic Error in Reporting : Despite the account being closed and transferred, the late payment was still reported for several months. This reporting error persisted even though no payments were missed, and all balances were settled before the transfer. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


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

XXXX, XXXX, and Equifax are all illegally reporting my information without my consent. Violating FCRA laws it is under my understanding that all debts that have been paid in full can not be reported as late nor can any debt be reported without my consent that is a violation of the law and considered identity theft. according to 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code Notes prev | next The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , XXXX XXXX notes, XXXX XXXX bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/1948, XXXX. XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX apt XXXX XXXX FL XXXX XXXX XXXX SSN XXXX DOB XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information appearing on my Experian credit report. Specifically, there are unauthorized accounts listed on my report that were previously deleted from my XXXX credit report after they were determined to be inaccurate. The continued presence of these accounts on my Experian credit report is both erroneous and harmful to my credit standing. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ( a ) ), I am requesting that you reinvestigate these accounts and remove them from my report. Under the FCRA, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a consumers dispute. Additionally, you are obligated to provide me with the results of your investigation and to update or correct the information in my credit report as necessary. 

The accounts in question are as follows : - [ XXXX XXXX # XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX - XXXX # XXXX Enclosed, I have included supporting documentation to aid in your investigation, including : A copy of my XXXX credit report showing the removal of these accounts Correspondence from XXXX confirming the deletion of these accounts A copy of my government-issued ID and proof of address for verification purposes Please be advised that failure to comply with your obligations under the FCRA may result in further action, including the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities.

I request written confirmation that these accounts have been removed from my Experian credit report. Please also send me an updated copy of my credit report reflecting these corrections. I trust that you will handle this matter with the urgency and diligence it requires. 
Thank you for your prompt attention to this matter. If you need any additional information, you XXXX contact me by mail at the address listed above or by phone at [ XXXX ]. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX ]
Product: Debt collection

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved.The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SERVICES ( XXXX ). PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

My information has been exposed in the data breach and I need this information removed under section XXXX ( b ). This should be removed within XXXX  days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX say they own the debt I never did any business with them before or had any accounts with them, And other companyXXXX XXXX XXXX I never did any business with These company or ever had any account with these company and I never did give any of these companies permission or my consent to have access to my personal information or my account
Product: Credit reporting or other personal consumer reports

I received a wage garnishment from XXXX from a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I've ask repeatedly to validate the date which they have not they received a judgement against me when I was not even aware of a court date they then stated that it was for a credit card company I stated that the debt would have been written off with that companies XXXX tax return under bad debt and if in fact that was not done then I want proof that it was not done which i did not get also I would need proof that it was not a securitized line of credit which they did not provide I can not afford to pay for a debt that is being reported as 2 different amounts I wish to stop this wage garnishment
Product: Credit card

I reported missing credit card following unauthorized transactions on my credit card with this company on XXXX transactions. My initial dispute was through XXXX where the unauthorized transactions occurred but XXXX refused to act on the dispute. So, left with XXXX last option I filed the dispute with my credit card company, only for my credit card company to make their decision based on XXXX claim citing other valid transactions on the XXXX account as the reason to counter my dispute. It is a shame that the credit card company will go with a merchant like XXXX who actually benefited from the unauthorized transactions in fees and interests to deny a consumer disputing an unauthorized transaction been fully aware that this was a case of a reported missing card. I have decided to report this here as a last resort to resolve the dispute I filed.
Product: Credit card or prepaid card

On XXXX XXXX, my credit limit ( s ) was reduced to just a few dollars above my balance even though I have consistently paid the minimum due or more. My interest rate also increased from XXXX to XXXX ( v ). I do not feel that it is an ethical way to do business. Whenever this happens, my utilization rate increases and my credit score is negatively affected. 

This problem is only occurring with Synchrony Bank. They are buying the account and lowering my credit limit within dollars of my balance. In essence, I am paying more in interest and very little is being applied to my principle. 

This is a win-win for the credit card company and a lose-lose for me. 

What rights do I have as a consumer? I have a 100 % payment history and this limit lowering has happened on all of the accounts that SYNCHRONY BANK has acquired.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below in my complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) 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.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Prepaid card

I received a Vanilla Visa gift card for a closing gift for my house for {$120.00} and the card never worked at any store nor was I able to procure the balance to it. The company phone number left me on hold for 40 minutes at one point. I tried calling XXXX and they sent me to the same number! I called that again and was on the phone for another 20 minutes. They don't respond, and at one point that number would not go through. I've seen numerous complaints about these cards online. The company ignores the complaints. It suits them because the money gets paid to them and you can't track where they were purchased from at all. Convenient. I think these cards should be more traceable because this is clearly a big easy money scam for XXXX when these companies are taking 25-39 % on every dollar they loan to people.
Product: Debt collection

LVNV Funding is reporting an account that does not belong to me. I have never opened any good nor have I benefited from this account! This account is not mine. I am not liable nor am I responsible {$930.00}. THIS MUST BE REMOVED FROM ALL of my credit files! I have been a victim of identity theft. Please see attached FTC with LVNV listed on it. RESOLVE AND REMOVE IMMEDIATELY! I have not opened this account therefore I am not responsible for this account however LVNV Funding is holding an innocent individual like myself liable for this fraudulent account/amount ( {$930.00} ). I will also be filing a XXXX towards LVNV Funding for holding me liable for this account that I never opened nor have I given anyone authorization to do so therefore this account was due to fraud. Resolve issue ASAP!
Product: Debt collection

On XX/XX/XXXX, I received a letter delivered to a former residential address of mine from a debt collection company named XXXX XXXX XXXX ( CCI ). The letter was dated XX/XX/XXXX. The letter claimed I owed {$30.00} to XXXX, a utility company based in Illinois. I had never before received any form of communication regarding this debt ( no phone calls, letters, emails, etc. ). I immediately called CCI ( the number listed on the letter ) and spoke with a representative named XXXX XXXX. She looked up the provided account numbers, verified that the debt had been sent to them, but that they no longer had the account. She could not tell me where the account had been transferred, and recommended I call XXXX directly. I immediately called XXXX and spoke with a representative named XXXX ( she would not provide me with her last name or any other type of identification information ). XXXX told me the {$30.00} was allegedly owed on XX/XX/XXXX and issued in the form of a paper bill on XX/XX/XXXX for {$29.00} ( she could not explain why the new total was now {$30.00} ). I explained to her that I had had several years ago ( many years prior to XXXX ) had an account with XXXX when I lived in XXXX, but that all of those bills had been set up as automatic payments straight from my banking account. She told me that the debt had been transferred to CCI, to which I explained that they no longer had the account. She then said it must have been transferred then to another debt collection agency, but she could not tell me what company and admitted to not knowing who was handling the alleged debt. I then asked her if she could produce the original bill owed to show what services it came from or any proof that they had sent me notices of said debt, and also the different debt collection agencies they may have sent the debt to, since I had never before received any notification of this debt ( it's now nearly 3 years later at this time ). She put me on hold and spoke with a supervisor, and she told me that they would not be able to provide me any copies of the bill or services rendered, or any other proof of a debt owed. She also was able to confirm all of my personal information ( phone number and email ) and acknowledged that they could have contacted me through those avenues regarding the alleged debt. She also was unable to find any of the other debt collection agencies that the account had been sent to. She then recommended that I file a complaint with the CFPB because XXXX was unable to find or prove that I owed them any debt. I have not received any communications from XXXX or any other debt collection agency since then to present, XX/XX/XXXX.
Product: Checking or savings account

I was a victim of unauthorize XXXX money transfer from Chase checking account, I called the bank the instant I found out my money is transfer without my permission. The bank freezes my account to investigate and I went to the bench and opened a new account. Today My new account was empty out due to Chase debt collector to pay for my fraud account that was been reversal due to chase Fraud department cant find any reason the transaction was fraudulent. I complaint to the manager at the fraud department and unable to assist me, she says there is nothing she can do for me. 

Fraud account ( XXXX1 ) Fraudulent transaction : XX/XX/19 XXXX to XXXX XXXX {$1300.00}. 
XXXX to XXXX XXXX {$500.00}. 
XX/XX/19 XXXX to XXXX XXXX {$1200.00}. 
XXXX to XXXX XXXX {$610.00}. 

Reversal transaction : XX/XX/19 XXXX to XXXX XXXX {$1300.00}. 
XXXX to XXXX XXXX {$500.00}. 
XX/XX/19 Chase debt Collection took money out of my current account ( XXXX ) to pay for reversal {$1900.00}.