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

In According with the fair Credit Reporting act XXXX Account has violated my rights. 

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

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. 

U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

According to my consumer profile this alleged debt with united auto originated XX/XX/2018. I am XXXX XXXXXXXX XXXX, and began XXXX XXXX service on XX/XX/2018 due to the XXXX I the consumer am entitled to a 6 % interest rate reduction, and no late fees. I have yet to have this matter corrected fairly according to the statues of the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For Transunion - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.
Product: Credit reporting or other personal consumer reports

Approx on or around the year of 2022, I applied for employment with XXXX and XXXX. I was unable to complete due to information, XXXX provided to XXXX and XXXX. I then called XXXX asking for an explanation, and they told me it was information on my driver record on the, STATE of LOUISIANA DEPARTMENT OF MOTOR VECHILES. I then called, THE DEPARTMENT OF MOTOR VECHILES for the STATE of LOUISIANA and was told the record being shown on my OFFICIAL MOTOR DRIVING REPORT was a suspension due to unpaid personal state taxes for Louisiana, and for a seat belt violation. The seatbelt violation was a clerical error, however it was corrected and updated. I have also uploaded the most recent OFFICIAL MOTOR DRIVING REPORT from the STATE OF LOUISIANA DEPARTMENT OF MOTOR VECHILES. I also uploaded the release letter for the DEPARTMENT OF MOTOR VECHILES of LOUISIANA that came from the STATE OF LOUISIANA DEPARTMENT OF REVENUE. The letter clearly states the reasoning behind the reinstatement and therefore the information CHECKR has is INCORRECT. This issue has haunted me for over a year! I have even went to the extinct of going to the state capital, XXXX XXXX, LA to get a XXXX  background check, in which the results came back clean and no XXXX  background has been on my name.
Product: Payday loan, title loan, or personal loan

I received a {$1500.00} payday loan from CashNetusa. I've made the following payments totaling : {$1000.00} : The balance on the account is {$970.00}. This is a scam. 

XX/XX/2022 Automatic Payment ACH {$260.00} XX/XX/2022 Automatic Payment ACH {$260.00} Paid XX/XX/2022 Automatic Payment ACH {$260.00} Paid XX/XX/2022 Automatic Payment ACH {$260.00} Paid
Product: Credit reporting or other personal consumer reports

Im submitting to the credit Bureaus today to inform that I was the victim of identity theft. Per FCRA section 605b they are required to remove/ delete any items listed on an id theft report. Please find the required documents to assist in the deleting of the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Reference # XXXX XXXX Filed/Reported XX/XX/XXXX XXXX XXXX XXXX  Reference # XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX - To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Vehicle loan or lease

End of lease, made last payment and they stopped reporting to credit companys and removed the account all together. 

Therefore causing inability to purchase my lease buyout due to this missing three year tradeline. 

To resolve this matter I reached out to the finance company to have my auto tradeline reinstated. I was then advised that the finance team would submit the request to be updated on both leasees credit report within 7 days if it is not we can do a lease extension. She advised to call back in 1 week.

5 days later, I received a pick up/hang up from the finance department. Moment later got an automated message stating theyre trying to contact me and to return their call. I called them back that moment and I was then inquired about my decision with the car but I had already advised them 5 days prior that I planned to retain the vehicle. At this point financed advised me that in order to retain my vehicle I would be required to pay last months and future months car payment in addition to fees claimed I incurred with my account being frozen totaling approximately XXXX. In order to resolve the matter I offered last months payment plus {$100.00} in fees. XXXX after making said payments I was then told there was another error and I actually owed over {$800.00}. To which she responded that she made an error and that over {$800.00} was due. As of today my account reflects the {$500.00} payment however I have a new balance of {$720.00}. With the balance of {$800.00} like she had mentioned after making my {$500.00} payment my balance should be {$300.00} but it states I now owe {$720.00}. 

At this point in time the credit reporting agencies were still not reflective of this my three year history on this tradeline. My goal in reaching out for assistance is simply to have both mine and my fiancs credit reports updated and to retain my vehicle at the contracted price without all the additional fees being claimed I owe.
Product: Debt collection

My husband and I had a month-to-month tenancy at an apartment complex. The apartment mistakenly believed we had a one year lease. We cleared this up with the apartment complex when giving our notice. They informed us that their systems were down so they could not revise the lease end date on file until their systems came back up, but that they would do so. They gave the amount of our final prorated rent, and we paid in full. 
About seven months later, we received a move-out bill from the apartment complex for the incorrect end date that they originally had on file. I called and spoke to them on the phone and via email, where they told me ( and I have a record of this ), that they made a mistake and they are diligently working to correct the problem. 
Instead of correcting the problem, the sent the " debt '' to a collections company. I immediately disputed the debt, by following all of the instructions I received from the collections company. I sent them a DISPUTE OF DEBT AND VALIDATION DEMAND PURSUANT TO 15 U.S.C. 1692. 
They never responded to my dispute or validation demand. They did, however, continue to call

me. On one occasion I let the representative know that I sent a validation demand and they can not call me without verifying the debt. He refused to do so and they continued to call me. On another occasion they called me to let me know t
hat they hit my credit report. I told them they can not do that because they have not verified the debt. They claimed they are a professional company and will send me verification of the debt by the next business day. This was at the end of XXXX. 
They have not called me since then, but I did verify that they did hit my credit report as well as my husband 's credit report. 
I do not owe this debt. This debt does not exist and was created due to a mistake from an apartment complex we lived in two years ago ( our move out was XX/XX/year> ). They have failed to provide any sort of verification of the debt, yet they hit our credit report any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon Team NCB, In accordance with the Fair Credit Reporting act XXXX Account # 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 Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( XXXX, XXXX, TRANSUNION ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT.

according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.
Product: Credit card or prepaid card

I filled a dispute against XXXX XXXX XXXX XXXX after filling the dispute they closed my account and said I can never open a new one I'm supposed to get back a little under {$5000.00} can u help
Product: Debt collection

I was informed that on two occasions collection letters were sent to an address that was unconfirmed and not provided to to this creditor/collection company ( Zarzaur & Schwartz PC ) by myself. These two letters were both received by employees of my employer that received these letters. This seems to be a blatant violation of the Fair Debt Collections Practice Act. It has been brought to my attention that both of these letters have information pertaining to a debt that they claim that I owe to XXXX, which is personal information sent directly to an address without verification of that address or that debt. Not only do I feel that not only did this company violate my privacy but also brought embarrassment and shame to my name as a result of their reckless practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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. 

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. 

XXXX and XXXX have already deleted this item because not only did it break the law it doesn't show accuracy 's of when paid and when it wasn't paid. Instead of responding through the CFPB about this Experian wrote me on the Experian Client profile.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

Received billing from Kohl 's on account ending XXXX on XXXXXXXX XXXX XXXX. As I viewed billing I noticed it reflected credit limit {$3000.00} ( I already knew this ), but said my account was closed. Online contact blocked and holding on phone to speak to a rep. of Kohl 's 35 minutes and no one answered, only robot recording kept coming on stating to continue holding. 
Question : My payments are made before due date monthly and I often pay more than what is required, so why is my account closed?
Product: Debt collection

I received a call from this company regarding a debt they claim I owed. The representative used very abusive and controlling language the entire time and refused to let me get off the call. I explained I wasn't prepared to pay anything until they had mailed me proof of this debt and I gave her my mailing address. I also told her I wasn't sure how she had gotten the phone number she called but that it was my work phone number and she was not to call again. She asked for an additional number and I told her I wouldn't be comfortable giving that until I received their verification of the debt and would contact them after they sent that out. She stated that this would constitute a cease and desist on their end and that's how she had to log it and I told her if that was how she had to process that request to not call me on my work line again to do that. She said " Ok, but that's not what I wanted to hear and you will regret this. '' I have still not received anything in the mail from this company but yet received another call from them today, XX/XX/2020. I have records of both calls.
Product: Credit reporting

I wrote Experian asking for my credit report which I did receive and I was not happy with the results. Their are items on it that have a XXXX balance and a couple have looks like the same company twice. The way I fill about the situation they have no balance so should not be on my report to harm me or keep me from getting any type of credit. I did file a dispute with them but have not heard anything from Experian and this is not fair to keep anything on my report that is damaging to me.
Product: Debt collection

I received a letter from Portfolio recovery associates regarding a debt for {$770.00} owed to XXXX XXXX. I never owed XXXX XXXX {$770.00}. XXXX XXXX states they no longer have records for the debt so they cant tell me why I owe. 
Ive written Portfolio Recovery Associates on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for an itemized statement of how I owe what they say I owe. They have yet to verify all charges leading up to what they are saying I owe.
Product: Checking or savings account

My issue is with Ally Bank - an online-only bank, so there's no XXXX XXXX XXXX to visit. On XX/XX/2024, I tried sending a XXXX payment to pay rent. They wouldn't send it and told me to call in. When I called in, I had issues with my cell phone not answering the verification call, so they couldn't authenticate me as owner of the account. After doing this multiple times ( XXXX at least ), and answering all their security questions successfully, they froze my accounts and disabled my online access. Many of the questions they asked were not security questions, but very personal, asking about family members, what XXXX I was using, and info that was not necessary to solve who I am. I was told someone in the fraud department would be contacting me within XXXX hours. I was never contacted by anyone by phone or email. I've tried calling in to the main support number and the fraud department multiple times but have never gotten any further than them telling me " the accounts are frozen. I will let the investigator know, and they will look into it. '' Even when calling the fraud line, I was never given a case # so I could check in on the progress. No timeline other than " soon '' was told to me, and I've not heard anything back. I have a savings account and checking account, and I can't access my money until this is resolved. My money is being held XXXX indefinitely. I have bills to pay and need access my money.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 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

I reached out to Equifax multiple times because my credit report will not show up on any credit monitoring website. Im sure some information is wrong, but I sent in correct information already. If I can get some assistance here, I would gladly appreciate it. Ive been a victim of identity theft for a long time, so that might be the problem as well. I will attach my ID and social security card below so we can get this situation handled.
Product: Credit reporting or other personal consumer reports

There was criminal report that showed up but it should have been resolved by now.