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

In XXXX of 2020, my husband and I went to XXXX XXXX in XXXX, CA to purchase a vehicle for my husband so that he could work and also have a safe vehicle to transport our brand new baby. He is self-employed as a painter and needed a truck that could fit his work needs, but also be safe for our daughter. 

I expressed to the owner of the dealership that I knew our credit was less than stellar, but that I had excellent income and we had willing co-signers. They had one vehicle that matched our needs. Through a long day of supposedly checking the all the creditors they commonly used, and making it seem they were working very hard to get us approved, they eventually offered us a very high interest rate loan with my father in law ( who has perfect credit and excellent income ) as the primary and myself ( excellent income, poor credit ) as the co-signer. We felt due to the pressure put on us to accept this loan that this was the absolute only way we would get a vehicle ( which we desperately needed- my husbands current truck could not hold a car seat. ) So we accepted. 

We found out after the fact that the ONLY loan agency she had contacted was Credit Acceptance Corporation and that this womans father was the loan officer. In hindsight, we are realizing that we were taken for a metaphorical ride, because she knew how badly we needed this vehicle. There is no reason with someone as credit worthy as my father in law being the primary on the loan that we should have the exorbitant interest that we have tacked onto this truck. We are paying a new truck payment on a 12 year old truck. We were also told that we HAD to buy gap coverage through them in order to get the loan. We expressed that our plan would be to refinance the loan to get a better interest rate in the future when our credit improved, and despite the owner of the auto dealership knowing we couldnt refinance a truck that was more than ten years old, she said oh thats a good idea. Now we are stuck with a terrible loan we cant refinance. At the end of the day, we did sign the paperwork, but we feel that we were absolutely lied to, taken advantage of and that these loan practices where the auto dealership finances with a lender who is an immediate family member can not be ethical. The amount of money we have paid in interest on this loan sickens me, and we are now in a place, despite making all the very large payments on time, that the truck is worth less than we owe on it. We are frustrated and feel this shouldnt be allowed to happen.
Product: Credit card or prepaid card

I received a letter from XXXX XXXX stating that they closed my Care Credit  account in XX/XX/2018. I paid off the balance on this account in XX/XX/2018. I look on my credit report to find out that they also closed my XXXX XXXX account without notification. 

I do not understand why my accounts were closed 2-3 months after I paid them off. 

I did not put a request into the company to close either account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

There was a collection on my account from early 2020. The same year, my identity was stolen and used to collect $ XXXX in pandemic relief funds in Arizona. When the debt collector contacted me, I insisted it was not my debt and they claimed the IP address and an electronic signature proved it was in fact my debt. I disputed this with both Experian and XXXX several times and after the first dispute, it seemed like they would automatically close the case before doing any investigation. I finally paid the debt off this year so I can get my score back on track but its really disheartening to know that these agencies do not do their due diligence for the people.
Product: Money transfer, virtual currency, or money service

Ticket # XXXX I attempted to make a large deposit into my Skrill account using my debit card today, which I took the time to verify for higher limits the day before. Skrill then restricted my account asking for selfie photos holding both sides of my ID. I immediately submitted the documents and they were approved about XXXX hours later and my account was back to normal. 

After working out the issue with my bank, I was finally able to successfully add to my Skrill balance using the same card. When I attempted to withdraw the balance to another bank, Skrill restricted my account again. This time, there is no request for specific documentation or any path to resolution. When I called support, representative XXXX was very unhelpful and refused to transfer me to a supervisor. 

I now have over {$4300.00} locked up in my Skrill balance with no assistance from support or clarity on when I will get access to transfer my funds, even though Ive been fully verified since I opened the account AND supplied additional documentation for the SAME transaction amount just this morning. 

Every time I try to use Skrill, I run into some kind of block or issue like this. Just a few days before this, I had to submit another report due to Skrill cutting my deposit limits from {$5000.00} to {$50.00} for no reason. Skrill needs to remove this block from my account IMMEDIATELY and give me access to my funds RIGHT AWAY, as I am a fully verified customer being very patient trying to make this service work over and over again.
Product: Credit card

In XX/XX/year>, JP Morgan Chase Bank ACCIDENTIALLY reported a negative credit item to my personal credit report regarding a credit card I have with Chase bank. When I found out about the report I spoke with Chase for many hours and was eventually told that the negative reporting was done in error and would be reversed immediately. They promised to have the item removed from my credit report so that it would be as if nothing ever happened. These conversations occurred with Chase on a recorded line which began at XXXX XXXX XXXX and lasted 1 hour and 26 minutes. The final person I was transferred to told me Chase does not report to credit bureaus until 60 days behind and that what they did would be reversed, and then I ended the call.

Chase did remove the negative item from my credit report. However, it has now been over 90 days since it was removed and my credit score has remained around 40 points lower than it was originally, according to XXXX XXXX XXXX. Absolutely no other negative items have been reported to the credit agencies that would account for the drop in score, which makes all of the difference when getting a loan.

By Chase making this error, it has cost me thousands of dollars in interest for my home and business expenses, and has prevented my family from making important and needed steps, namely buying a car so we can properly care for our child.
Product: Credit card or prepaid card

Target closed my account on XX/XX/XXXX. I mailed 2 letters demanding they validate the alleged debt they present to the CRAs. They denied me my federal right. They removed the tradeline from the CRAs on or about XX/XX/XXXX. They violated 15 USC 1692e by falsely and deceptively, misleading the credit reporting agencies, through reports that I owed on an alleged debt.
Product: Credit reporting or other personal consumer reports

Violations : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as XXXX and Experian, must carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which asserts the Congress 's policy that financial institutions have an ongoing obligation to respect customer privacy.

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the consumer. As the consumer, I have not provided written consent for XXXX, Experian, or any furnisher of information to credit agencies to disclose my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of the option to exercise nondisclosure. The furnisher of information to credit agencies did not inform me of this right. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in reports without authorization. Reporting this adverse item without my permission is a violation of the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), no person shall furnish inaccurate information to a consumer reporting agency, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX and Experian are not adhering to these requirements. 
Finally, referring to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Product: Payday loan, title loan, or personal loan

This account with TIDEWATER MOTOR CREDIT with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX Bureau and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive went to check my credit score because Ive been doing good with paying my car note and went to see that theirs XXXX credit cards, Bank of America accounts that Ive never opened and other accounts that Ive never opened. I had my taxes done by a lady and she did them wrong which caused me to get rejected many times I went on XXXX XXXX and fixed my own and she got mad ad threatened to use my name so thats my only guess about whos been using my name for stuff that I had never opened or had knowledge of.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious privacy issue that has arisen in relation to my consumer information. On [ XX/XX/year> ], I received a response from TransUnion regarding a dispute I had filed. However, upon reviewing the response, I discovered that it contained untruthful information and FALSE STATEMENTS about having a TRANSUNION ACCOUNT. 

The crux of the matter lies in the unauthorized access to my non-public personal financial information by a third-party entity, XXXX. Approximately a year and a half ago, I created a credit monitoring account with XXXX, which is a non-affiliated third party to TransUnion. However, despite this non-affiliation, TransUnion provided XXXX with access to my sensitive financial and Personal data through your platform for marketing purposes. 

This action represents a clear violation of the Gramm-Leach-Bliley Act ( GLBA ) and the principles of Non-Public Information ( NPI ). The unauthorized disclosure of my financial information to a third-party entity without my explicit consent is not only unethical but also illegal under consumer and federal law. 

I demand immediate action to rectify this violation of my privacy rights. I request that TransUnion cease any further unauthorized disclosures of my personal and financial information without consent and to third-party entities without without consent provide me with a written explanation of how this breach occurred. Additionally, I expect TransUnion to take appropriate measures to prevent similar incidents from happening in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed account with transunion but it was verified AS Accurate so when i tried to dispute again only with proper documents they would not let me .. they also would not let me place a fraud alert on my account as i have been a victim of identity theft
Product: Bank account or service

I have a loan with Santander consumer USA. My loan amount is XXXX, I make a monthly. payment of XXXX. According to my statements, XXXX is the payment, and XXXX is interest. But when the payment is applied all overage is applied to interest. I have called in several times to have the payment overage applied to the principal. They just will not do it. I keep getting told I have to wait for the request to be processed, 3-5 business days. The last time I called in, XX/XX/2017, another request was put in to their finance dept by XXXX ( a supervisor in there off shore customer service office ). Now she tells me I have to wait another 5-7 days. meanwhile there is over XXXX dollars applied to interest instead of principal. How do I go about getting this issue corrected. Thank you for your help with this matter.
Product: Credit reporting

I received a notice from XXXX that a derogatory account was erroneously and fraudulently put onto my credit report and file from Nationwide Recovery Service on XX/XX/2017. I have never received any information or notice from this company. This account does not belong to me. I demand any and all information be remove immediately from my credit report and file as this company is in direct violation to federal and state laws regarding debt collection. My positive credit rating has been tarnished and I have been denied credit due to the erroneous, fraudulent and deceptive practices of this company.
Product: Student loan

My account went into administrative forbearance in XXXX due to MOHELA moving to a new servicing platform. I received a letter in the mail in XXXX that my account was transitioning to the new platform. I have always had autopay set up on my account. However, I have since been getting letters that my account is past due. I have called MOHELA XXXX or 6 times now to understand how my account was past due, if I was in forbearance during the transition, and my account had always had autopay set up. Each time I call I seem to get a slightly different answer. I have been told my account is not past due on their end, even though I reiterate that my account on the new platform shows I am. I have been told that my case is being escalated, but I have never heard anything back in the two times I have called since being told that. I have also been told my account has been placed back in forbearance until this situation is resolved. However, MOHELA just pulled the autopay from my account last week, although I was told that would not occur now that I'm back in forbearance. Originally I was {$240.00} past due, I am now {$310.00} past due. Each time I call I request a letter in the mail confirming my account is not past due. Each time I am promised a letter. However, I have never received any additional information, just more past due notices. I have tried sending emails, to keep a paper trail, but I have never gotten a response to my emails.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 

At this time, I am requesting that you please delete and remove the following inquiries below. 

HARD INQUIRIES TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for several years now I've made police reports and sent them in to all credit bureaus to no avail Experian is still reporting this item on my credit report as mine and it isn't time and time again to get this matter resolved and nothing is happening this item is ripping my credit apart its hard for me to get housing getting loans for my children 's college loan I have been steadfast in paying all my bills on time and Experian is not reporting my payments and my credit score has not increased at all this item needs to come off my credit report the company name is XXXX/XXXX DATE OPEN : XX/XX/2019 BALANCE XXXX thank you in advance for all of your help on my behalf XXXX XXXX
Product: Debt collection

Thunderbird collections ( TCS ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX AZ. XXXX, a medical debt in the amount of {$1800.00} has called my place of employment leaving various voicemails with personal information in spite of being requested not to do so. These calls put my employment at risk and they continue to do so, leaving messages with patient access and records at my employer. This is in addition to multiple calls daily to myself with threatening messages.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you have not been removing files accompanied by an FTC report, as required by law under Section 605b of the Fair Credit Reporting Act ( FCRA ). Should you fail to remove the following items, which are inaccurately reported due to inaccurate credit file entries, I will forward my documents to my attorney to initiate legal action. I prefer to avoid any legal proceedings, so please comply with the law. This is my new complaint regarding the erroneous credit reporting of which I am a victim. According to FCRA Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within XXXX business days, given the following : ( XXXX ) appropriate proof of my identity ; ( XXXX ) a copy of the identity theft report ; ( XXXX ) identification of the disputed information by me ; and ( XXXX ) my statement that the information does not relate to any transaction I made. The following items need to be removed as they are inaccurate : XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$2900.00} ; XXXX XXXX XX/XX/XXXX. If you assert that these items are accurate and verifiable, provide me with copies of any documentation associated with these items that bear my signature. I believe no such signed agreements exist. In the absence of a signed agreement, these items must be removed from my file. I am sending the attached letter certified to protect my rights. I have researched and found that you frequently do not comply with the aforementioned FCRA statute. Should you ignore my request, I will refer this matter to my attorney. Please do not force this issue into litigation. You have XXXX business days to remove any items in my credit file resulting from incorrect reporting. I do not consent to XXXX or any means of automated verification. I expect your immediate attention to this matter and a response within XXXX business days.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and was shocked to see what was on my credit report. N accordance with the FCRA the Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written consent
Product: Credit reporting or other personal consumer reports

Following 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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Account was compromised and darkweb.Unuthorized checks were deposited and withdrawn
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. I submitted my identity theft packet to TransUnion and they have refused to block fraudulent information from reporting on my credit report. I submitted a police report indicating the fraudulent accounts and proof of my identity. Additionally, I sent a letter requesting that they block the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Instead, TransUnion has chosen to not comply with the FCRA and rather opened disputes. As a victim of identity theft my personal information has been compromised and a dispute would return my name, address, dob and social security number. This is further listed in the police report that I provided to TransUnion. TransUnion has willfully decided not to comply and is in violation of the Fair Credit Reporting Act.