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

Per Chrysler 's own communication, the account was charged off on XX/XX/2020. They have provided me no 1099 reporting whatsoever, thereby violating United States Tax Code. They are failing to report tax withheld on this transaction despite my repeated requests for proper reporting to the Internal Revenue Service.

In addition to violating tax code, Chrysler continues to send out a repossession outfit harassing me and trespassing on my rights as a private civilian consumer. This is not ok when the matter should already be resolved in full with a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit inquires on my credit report for starting from XX/XX/2022 to XX/XX/2022. At that time that these inquiries occurred I have a fraud alert on each of my credit reports. None of the agencies reached out to me to confirm a fraud alert was active on my account and if I authorized any of the inquiries. According to the fair credit reporting Act, you must abide by the permissible purpose provisions. I ask that each inquiry be removed or proof that each inquiry complies with the Federal Law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are showing on my TransUnion credit report without my authorization. 

XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Nationstar Mortgage has always Said they are the real CREDITOR of my XXXX Mortgage. payment were made. Applied for modification and made all my trials payment and yet they still go ahead a foreclose using some company call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. as Trustee to Sale my property. I have forwarded a R.E.S.P.A Qualified Written Request and Truth in Lending ACT. Nationstar Mortgage still revieled them self as a TRUTH CREDITOR and presented me with a COPY OF THE DEED OF TRUST. I Filed for Bankruptcy to stop the Sale and make some kind of payment arrangement. Confirmation hearing for my plan was taken place and the knew Creditor showed up in Court for a first Time as Plaintiff Deutsche Bank Lawyer. What happen to Nationstar Mortgage, I have being dealing with ever sinced ... I was told in COURT THE REAL CREDITOR NOW IS XXXX BANK. I have sent a R.E.S.P.A QUALIFIED WRITTEN REQUEST TO XXXX BANK AND AWAITING THEIR RESPONSE.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Transunion XXXX XXXX please take notice to statement that Pra validated an alleged debt and that you are in violation of the FCRA, FDCPA. PRA has not validated anything and making statements to your selfs puts you at risk of a law suit. PRA 'S failure to produce evidence 3 times to the CFPB telle 's they refuse to accommodate any evidence. enclosed in this dispute are 10 factual questions they have refused to answer making anything they claim to you hearsay, non factual, this will use in the future where it may become necessary you are now requested to remove this account and by releasing any information that claim that is permissible is false and fraud with out the proper documente 's that they refuse to provide this is stated so the CFPB is witnessed to the facts and that you are involved in this by reporting
Product: Debt collection

I called to have all the old accounts removed and they wouldn't do it plus, they wanted me to pay for all of them again I want all of them off my credit report now I want all the old accounts off my XXXX credit report now!!!! 
This is XXXX XXXX XXXX my credit scores!!! 
sorry XXXX XXXX XXXX But, this is XXXX XXXX what you people let the credit card companies get away with!!! 
Thanks Take care
Product: Prepaid card

I bought a card in XXXX and they claimed fraud ok. They replaced it and the new card still says fraud! I want my money back. You guys are scamming its XXXX XXXX Card says active but thats not true
Product: Credit card or prepaid card

On the morning on XX/XX/2018, I called capital one several times to get information regarding increasing my line of credit or switching to a different product. I currently have one credit card with them that I pay off monthly and overpaid this month.

After getting some information, I left my phone and card in my car and went back to work. During my lunch I called Capital One again at which point I was informed that my account was closed. Thinking it may have been an accident, I reached out to a manager and inform them that this may have been an error and was told they would not re-open my account.

Confused and angry, I called again and was told that a request would be submitted to re-open my account.
Product: Bank account or service

On XXXX/XXXX/2016 I authorized an online bill payment from Citizens Bank to pay my XXXX auto loan. On XX/XX/XXXX I received a phone call from XXXX loan dept stating that my loan payment was not received and I was charged a {$75.00} late fee. I called Citizens and stopped payment for the online bill payment check and was charged a {$35.00} stop/hold fee. I called XXXX loan dept back and paid them over the phone with a personal check # XXXX from my Citizens account. I filed a dispute with Citizens to retrieve the initial online bill payment funds in the amount of {$500.00}. On XXXX/XXXX/16 I received a letter from Citizens informing me that the investigation regarding my ACH dispute had concluded and my claim was found to be valid. The letter stated that my account would be permanently credited in the amount of {$500.00} ; and it was. The next day, XXXX XXXX, I received a letter from XXXX, the service provider for Citizens bank. XXXX stated that our payment obligation was to XXXX and not Citizens. I did not respond to this demand letter as it was dated after Citizens letter stating my claim was valid. On XXXX/XXXX/16 there was a miscellaneous charge Dda Debit to my account in the amount of {$500.00}. Citizens took the money back and they are refusing to work with us. They refuse to tell us who benefited from these funds. They refuse to show us a copy of the cashed check. They refuse to show us the endorsed back of the check. We did not benefit from this 'missing ' online check. We would like to have it researched to find out if it was cashed and who cashed it. We want our money back. Citizens stole our money. Additionally, I am not interested in working with XXXX. My relationship is with XXXX and they need to resolve this immediately.
Product: Credit reporting or other personal consumer reports

This serves as an official letter, and I am choosing to opt out of MicroBilt. I want to opt out permanently of the prescreened offers of credit and insurance, sharing of credit information with affiliates, and direct or third-party marketing lists of MicroBilt.
Product: Debt collection

Harris and Harris called me o. XX/XX/year> on a recorded line saying that XXXX placed a debit with them for {$320.00}. However Harris and Harris reported to the credit agencies a collection for {$110.00}. This is a form of fraud and extortion to attempt to collect more than they reported. This is also an impact on my credit reports and I have been denied credit due to this.
Product: Credit reporting

Consumer Protection complaint through the AG # XXXX. 
Based on information obtained from Equifax, personal credit card limits have been reduced. As a result, the score reported by Equifax ( and sent to XXXX, and other reporting agencies ), has increased my debt ratio considerably. An example is a consumer card ( XXXX ) originally had a {$2000.00} limit. The charge on the card is {$1100.00}. Based on Equifax reporting, the limit on this card and others, has been reduced to the amount owed, consequently publishing a ratio of XXXX % utilization. 

" Your total credit card balance {$16000.00} Your total credit card limit {$24000.00} = Your credit card utilization XXXX % USAGE BY ACCOUNT XXXX XXXX XXXX XXXX XXXX % Balance : {$3000.00} Reported : XX/XX/2016 {$3000.00} Limit XXXX XXXX % Balance : {$4800.00} Reported : XX/XX/2016 {$5000.00} Limit XXXX XXXX % Balance : {$1000.00} Reported : XX/XX/2016 {$1100.00} '' Additional complaints of non-authorized addition to a XXXX XXXX account, goes unheeded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get Experian to re-investigate a Ch.XXXX bankruptcy that is inaccurately reporting on my credit report. I have received numerous responses from the bureau stating that they did in fact verify this public record and they have not. The Courts have informed me that they did not, have not and will not divulge any information about a consumer without their prior consent. I called the courts and went there to see if i fact someone came to the courthouse to check on the accuracy of this public record and they have no record of someone coming in. Today XX/XX/XXXX I called Experians Fraud Dept and a rep told me specifically they verified my case at the courts through court records. I informed her of the letter that i sent to their offices which included the letter from the courts. The rep claimed to have seen this letter in my file while we were on the phone. I informed her that XXXX  XXXX ( which is who Experian stated they verified my BK thru ) no longer has this BK in my file. This is my second complaint about Experian. They claimed to have verified this Bankruptcy in XXXX, but XXXX XXXX has had my file updated since XX/XX/XXXX. I am currently being unfairly treated because Experian refuses to follow the FCRA and properly reinvestigate this public record according to their MOV. I have asked several times to be informed of who verified my BK, what company did they work for, what date they verified this BK, How they verified it and who assisted them with the verifiction. To no avail, I have still been unable to get anyone to assist me with removing this inaccurate information from my report. The rep informed me that they do not have to give me the name of the company verifying my information. This is illegal to continue reporting information that I am telling them is not mine.Even the address that the BK is showing isnt an address that is mine. This address was listed in a Identity Theft report from the police, stating it isnt mine. I can prove that this public record isn't mine because the Court rep showed me in her system that the dates Experian are using are not even matching what is showing in their system. Please help me get this worked out, I shouldn't be punished and denied credit all because this company doesn't want to reinvestigate.
Product: Credit card

I am writing this complaint due to the billing practice American Express XXXX. Well I was glad to apply and get accepted for a credit limit of {$3000.00} ( on XXXX 2015 ). However few weeks after acceptance I started to receive a bill of the amount {$450.00} urging me pay now in order of avoid late fee charges. I was surprised because I have not even activated the card at the moment. I was concerned, so I called customer service requesting a clarification regarding the bill. I was told that was an annual fee ( and membership card ). After that conversation, I attempted to purchase a set of furniture on XXXX but decided to cancel the order later on. On the of XXXX XXXX 2015, I used the card to purchase gas for my car. And on XXXX XXXX, 2015 I received an email from American Express, stressing that my card has been canceled because after their analysis and observation, I am a risk. But they are requesting I pay {$480.00} even though they have canceled my card. So, I think that I should not pay the {$450.00} due to the fact I did not have to opportunity to enjoy the membership. I should only pay the gas bill ( {$37.00} ) since they decided to cancel the membership.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Bonneville Collections XXXX Fashion XXXX XXXX XXXX XXXX, UT XXXX RE : Account # ( creditor XXXX Bonneville Collection XXXX ) As to your letter, were waiting on closing billing, However after looking At you bill we moved out and closed the account We are disputed XXXX After the Record on your ledger we moved out on so the closing billing never came, we owe base on your records and our the total {$25.00} that is for XXXX bill with owing on XXXX We don't know where you overcharge but under oregon DATA rules and the The Fair Debt Collection Practices Act ( FDCPA ) requires debt XXXX to send a written debt validation letter within XXXX days you done that but with the main creditor and your office invalidation of the overbilling at your Clients fault, falls Under The Fair Debt Collection Practices Act states that debt XXXX can not use any false, deceptive or misleading representation to collect the debt. Please again DO a better Job with your clients, were Pay the {$26.00} that check will Say payment in full and we will dispute any and all credit reports will send them a copy of this and the check marked paid in full, {$26.00} the check will be sent in 10 days this should never been sent to you office and your clients who you have a contract with should do a better job, any false credit ding will be at your own apparel and you will be liable for damages and cost from now on, and if you sell this debit this is proof and your collection license in every state can be in jeopardy for doing this is proof, As well as your clients of that Account Number, XXXX XXXX Oregon XXXX pursuant to XXXX XXXX XXXX Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide more then what competent evidence that you sent I have any legal obligation to pay you. 
final letter and discovery Notes Be advised this is not a refusal to pay, but a notice that your claim is disputed and more validation is requested. 
proof of XXXX Account statement Defamation of XXXX violated FCRA by failing to do a reasonable investigation
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate items that are on my credit report. I have sent letters to Equifax, XXXX and XXXX and they have not acknowledged my disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have a rush card and I am unable to access my funds since XX/XX/2015 I am a single parent and I am in need of my funds I reported this issue to my employer and my employer stated my funds were already loaded to my Rush Card when I call customer service for Rush Card the first time I waited XXXX hour and XXXX minutes to speak to a representative this was on XXXX XXXX they stated they were going to issue me another card and I should receive it no later than 7 days, to this date I still have not yet received my new card. I have called customer service to check on the status of my account to only be hung up on numerous calls. I am frustrated that no one can help me with my questions I can no longer be without money.I emailed Rush card and no one has responded back to my concerns.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit outstanding.Iam requesting immediate correction action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt or credit management

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX. i do not have a contract with LVNV FUNDING LLC. they did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX by Certified Mail # XXXX XXXX XXXX XXXX XXXX Experian was notified the creditors in question had not replied with a validation response. 

Experian It has been over 45 days You Have Failed to Provide the required documentation according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are in default of federal law to verify - through the physical verification of the original signed consumer contract - and provide me the Consumer your verified proof of the accounts in question you posted on a credit report.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

As per Federal Law under the Fair Credit Reporting Act EXPERIAN is Required to send the following information EXPERIAN used to verify the validity of accounts listed below XXXXXXXX XXXX, # XXXX, No Contract, No Mortgage XXXX XXXX XXXX # XXXX, No Contract The Name of the Original Creditor The Original Creditors address & telephone number The name of the person ( s ) you verified the disputed information with The certified documentation in possession used to conclude your investigation The documents and all correspondence information that was transmitted to and from the data furnisher ( alleged Creditor ) as part of the investigation Experian it has been well over the time limit set by the Fair Credit Reporting Act to provide me with the Proof required under this Federal Law. This is your Notice of default. I requested the following information & verified proof Experian received from the Listed accounts.. to date you have responded with no Proof. or documents only your standard chain letters.. this is in violation of federal law & fines will be imposed. 

Do to the errant accounts still on the credit report Experian has Cost me Access to my credit on XX/XX/XXXX XXXX XXXX Sent notification they had lowered my Credit limit on an account I have had open for over 20 years. In XXXXXXXX XXXX XXXXs own words due to the Reporting from Experian they lowered my available credit from {$25000.00}. down to the balance on account {$21000.00} due to the fraudulent verification practices from Experian. Experian do to there incompetents in following the Law to personally validate the information as required by Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) has cost me my Consumer credit. 

Experian was Notified of the information and facts on XX/XX/XXXX XXXX and still has not produced the required information by Federal law. The law is very precise on what Congress said is to happen Experian is in violation of this Act of Congress and should be accessed fines as outlined in the Law for fraudulent credit reporting Enclosed, please find the mailing from XXXX XXXX on the Credit modification due to explicit reporting from Experian as stated in the document by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX Account XXXX ACCOUNT : XXXX XXXX  ACCOUNT : BANKRUPTCY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DEPT OF EDXXXX XXXX Balance : {$64000.00} DEPT OF EDXXXX XXXX Balance : {$6400.00} DEPT OF EDXXXX XXXX Balance : {$13000.00} DEPT OF EDXXXX XXXX Balance : {$1200.00} DEPT OF EDXXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  GA XXXX Filed on XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts that are inaccurate and incomplete on my credit report with the Experian, XXXX, and XXXX. I began disputing the duplicate accounts and inaccurate accounts in XXXX of 2023 seeking for the accounts to be removed due to inaccurate information. It is now XXXX and the credit bureaus and creditors have failed to remove the inaccurate accounts from my credit reports. The duplicate accounts are in the amount of {$52000.00} and {$9000.00}. The creditors have reviewed the accounts and still reporting to the credit bureaus that the account in reporting under accurate information under the Fair Credit Reporting Act which is false. I have included documentation. XXXX reported the accounts as charged off on XX/XX/2023. On XX/XX/2023 XXXX proceeded to report an already charged off account as 120 days past due, again, drastically affecting my credit and daily life. This is uncceptable and XXXX fails to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the credit reporting act XXXX XXXX XXXX XXXX  Account Number XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states that consumer reporting agency can not furnish account without my written instructions.

15 USC 's 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.