23daVinci/CFPB_Complaints huggingface dataset:
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 acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 then records of convictions of crimes which antedates the report by more then seven years. 

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.
Product: Credit reporting or other personal consumer reports

My usual payment history has been consistent and these late payments don't reflect that, so I need the accounts to be adjusted properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report. 
2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report. 
3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been associated with the address listed on this " XXXX XXXX XXXX XXXX '' account and have never had an XXXX XXXX XXXX account in the last 10.5 years.
Product: Money transfer, virtual currency, or money service

Hi, I made a ACH Transfer from my XXXX Bank of America account to XXXX XXXX account in at amount of {$6200.00} on XX/XX/2020. The funds were sent to the wrong account number. Funds were sent to Account # XXXX instead of XXXX XXXX Account # XXXX. I failed a complaint with my Bank of America but the claim was denied by XXXX XXXX and funds posted to the wrong account number. Now we are short of {$6200.00}. 

Thanks XXXX XXXX PH # XXXX
Product: Credit reporting or other personal consumer reports

FCRA Viloations Not mine Not my car loans XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$3600.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$21000.00} Status Account charged off. {$37000.00} written off. {$21000.00} past due as of XX/XX/XXXX. 
not my collections XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$250.00} Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
XXXX & XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310.00} Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX  Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$200.00} Status Collection account. {$200.00} past due as of XX/XX/XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} Status Collection account. 

never late on these bills XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Open. 
never lived at this these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This credit card company refuses to take off the hard inquiry on my credit report after multiple go arounds advising this was fraudulent. I have called, contacted the credit card company ( which refuses to do anything and acts like they have no idea ) and CFPB and they respond this is a duplicate request. This credit card company endorses fraud accounts and refuses to assist when called or mailed requesting this be taken off my credit summary. THIS IS NOT A DUPLICATE REQUEST. The hard inquiry still appears on my credit report. I have tried to get this resolved in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was trying to purchase a tablet online and the seller asked to use XXXX for the transfer. I had never used XXXX previously but saw it on my Bank ( USAA ) website and trusted it. The seller asked to send the money to XXXX account XXXX XXXX XXXX. I sent {$300.00} to XXXX and in turn was provided with a tracking number ( XXXX ) for a shipping company called XXXX  XXXX XXXX. All this information was passed between my phone number and the sellers phone number ( XXXX ) XXXX. 
After waiting a few days the package never arrived and now the seller is asking for more money. After telling them I am not sending more money they have stopped contacting me. Also, after further research, it appears that XXXX XXXX XXXX is a fake website an company used by these scammers.
Product: Credit card

Citibank has upped the interest rate to 27.9 % on my credit card. Despite several calls speaking to several people and despite extremely low market rate and despite the fact that we have been loyal customers for years, they still refuse to lower the rate. We understand that we have been late for more than a few days a time or XXXX but we have never not paid at least the minimum balance due. Many times making a payment more than the minimum balance. This interest rate is predatory for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last 2 month, 2 negative accounts were put on my credit reports as delinquent. I immediately filed disputes with all 3 credit bureaus. TransUnion and XXXX removed both accounts from my credit reports as soon as I filed the disputes. XXXX took about a month but they also removed the accounts from my credit report. As of today the creditor has now fraudulently changed the opened dates and re added them back to my trans union credit report. 1 of the accounts was opened in XX/XX/XXXX, and the other opened in XX/XX/XXXX. The first reported delinquency for both accounts was on XX/XX/XXXX. They have now changed the first reported delinquency to XX/XX/XXXX. This is fraudulent and inaccurate. These accounts are over XXXX XXXX XXXX, and the first reported delinquencies happened over 18 years ago. they also fraudulently removed the original loans starting dates from my credit report, to make it look as though the loans were more recent than they are. Ive tried to get Trans union to re remove the accounts as they did 2 months ago for being too old. Ive tried resolving it with trans union. Ive filed disputes and wrote emails explaining how old the accounts are, with no success. As stated in the Fair Credit Reporting Act Collection agencies can not report old debt as new.

If a debt is sold or put into collections, that is legally considered a continuation of the original date.

It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date. This is very frustrating how much time Ive had to spend trying to get accounts removed from my credit report that legally should not be on there. I feel like the companies system is broken, and they do not simply look at the information that Ive presented to them. If they did, they would clearly see that these accounts are too old to be on my credit report. I hope that the company will follow the law and remove these 2 accounts from my credit reports. Thank you XXXX XXXX - Original debt holder - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2022 I have attached my affidavit and invoice. I want monetary relief due to the violations committed by Portfolio Recovery Associates , LLC a debt collection company. 
DOCUMENTS ATTACHED.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX XXXX XXXX XXXX and I, XXXX XXXX, purchased a XXXX XXXX XXXX XXXX XXXX VIN : XXXX from Toyota of XXXX. I made a down payment. We were financed for the vehicle through Toyota Financial Services. 

On XX/XX/XXXX I caught XXXX engaging in XXXX with another person. The personal relationship dissolved or ended. I repossessed the vehicle. 

On XX/XX/XXXX XXXX apologized and reconciled so I returned the vehicle to XXXX. 
On XXXX the XXXX, XXXX XXXX continued engaging in the cheating, lying, and trickery to obtain the vehicle. 
On XX/XX/XXXX XXXX did not pay the first payment {$370.00} and did not pay any money toward insurance coverage for the vehicle. 
On XX/XX/XXXX I filed a Civil Plenary Complaint in XXXX Circuit Court 4. ( Attached ) On XX/XX/XXXX Court ordered XXXX removed from the vehicle and full ownership awarded to me. ( Attached ) The court determined that the debit obligation exceeds the market value of the vehicle. 
On XX/XX/XXXX I put check # XXXX in the mail for the initial payment. 
On XX/XX/XXXX I called Toyota Financial Services to remove XXXX from the Retail Sales Contract. They refused to remove XXXX from the contract. They said they can not remove XXXX from the contract nor abide by the courts order. They refused to refinance the vehicle in my name only so that I may get the vehicle Titled and plated in my name only. Toyota Financial Services are taking initial steps to repossess the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letters XXXX credit reporting The Credit bureaus stated Account Name : XXXXXXXX XXXX XXXXXXXX & Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of ( 2 ) XXXX accounts that were taken fraudulently in my name in XXXX of XXXX. I notified XXXX directly followed by sending them an identity theft affidavit generated with the FTC. I was unable to get XXXX to correct the error. I then followed back up on XX/XX/XXXX and XX/XX/XXXX through certified service, proof of service attached separately. I once again formally disputed the ( 2 ) accounts, requesting them to adhere to both FDCPA and FCRA. Both times they failed to adhere to FDCPA and FCRA regulations by not responding. I then notified all ( 3 ) credit bureaus, XXXX, XXXX, and Transunion of my efforts and started the formal process with them. 

I had informed them of the following as a result, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I'm also aware that, " All accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Every month on the due date I receive 7-10 calls per day until XXXX at night from Westlake Financial. These calls are affecting my job and waking me up at bedtime. I have repeatedly asked them to stop harassing me as I have or will send payment before my grace period is up. I have phone records of all phone calls to two different phones of mine and voicemails.
Product: Mortgage

My attorney has been trying to speak with someone regarding a short sale of the property. I have already communicated in writing that I do not want to keep the house and I am trying my best to not go through a foreclosure. They will not answer the phone ( she just gets a recording stating high call volume ). This has become very frustrating for me and my attorney as we have potential buyers for the property.
Product: Vehicle loan or lease

I was inquiring about a Tesla XXXX  XXXX and XXXX XXXX, and I was definitely interested in ordering one on or about XX/XX/2024 to XX/XX/2024. After filling out the prequalification, I started getting calls and emails from a salesperson named XXXX XXXX ( XXXX ) ( XXXX ). Her explanation was that the prequalification is based on my zip code, which honestly sounded fishy to me at first, having prequalified already at both XXXX and XXXX XXXX. I did not prequalify for Tesla according to the website, as it were. She later informed me that XXXX XXXX was one of the places they finance through, so that was even more confusing. I didn't think much about it at the time but eventually I figured out the catch. 

She was suggesting that I go ahead and apply for credit anyways, which I reluctantly and eventually agreed to do because, sure, I would like to have a Tesla XXXX. What's the worst they can say? No? I've been told " no '' before. I'm no stranger to " no. '' So finally I was ready. She walked me through the process for about a half hour and was kind of trying to push me into the next steps. I don't think she did anything wrong on her part, and my complaint is certainly not about her at all, but the last thing I learned about the Tesla ordering process left me very uncomfortable about the whole deal. So uncomfortable that I'm put off completely by it. 

She said I would have to pay the " non-refundable '' {$250.00} " order fee '' in order to apply for credit to purchase their existing inventory which I would also have to go fetch myself wherever it was located at, and they had existing inventory in XXXX XXXX XXXX XXXX. That's a no-go for me. Sure, I can go get it, no problem. That wasn't even a problem. I didn't even know that this kind of predatory loan behavior even exists ; I certainly don't know if it is legal or not, but it's definitely not ethical. Somehow, I thought I would be applying for credit first, but I was informed that I would not be able to apply for credit until after the order had been placed. These guys are definitely backwards. She said something like, " that's just how things work at Tesla. '' That's not how anything works in my whole life. So, sorry about that. Not today. Not ever. 

Let me be clear that I would never pay for the privilege of asking permission to borrow money, not knowing the terms of the loan upfront before " ordering '' anything. I am fairly confident this is some kind of a consumer loan scam.
Product: Credit reporting or other personal consumer reports

It first started when my wife & I bought our car. We had to call to get our credit freezes removed temporarily in XX/XX/2023. I called on XX/XX/2023 to unfreeze my credit after unsuccessfully trying to do this on https : //www.transunion.com/credit-freeze. My credit freeze was lifted and I was issued a case # and told someone would call me back to assist me. Today XX/XX/2023 I tried to log into Transunion and could not, so I created another password and logged in. I still have the same problem when trying to freeze and unfreeze my credit. I called and spoke to someone in XXXX, XXXX, or wherever who could not answer my questions. I then proceeded to chat on Transunion after getting nowhere. This is the chat : You are now connected to XXXX. 
XXXX - XXXX XXXX Hello this is XXXX, we are having high volume of chats. I'll be assisting you as soon as I can. Thank you for your patience. 
XXXX - XXXX XXXX Hello XXXX, my name is XXXX XXXX. I want to know why I still do not have access to my credit freeze. I called on XX/XX/2023 and was suppose to get a call back to help me clear this up. NO return phone call. Today I could not log into my account so I created a new password. STILL I have no access to my credit freeze, WHY? 
You - XXXX XXXX Sorry it's taking us longer than expected to reply. We will respond shortly. 
Info - XXXXXXXX XXXX I can see the situation was escalated, I do apologize you haven't been contacted yet. I will update the ticket. We have high volume of tickets at this moment XXXX - XXXX XXXX I want to know when you will resolve this problem not situation. 
You - XXXXXXXX XXXX  It's been handled by the specialist department, I do not know when it's going to be fixed. You can contact this number for an update XXXX & nbsp ;, they will connect you to them XXXX - XXXXXXXX XXXX  You mean the same customer services number that can not seem to answer anything either? 
You - XXXX XXXX They will connect you to the specialist department. 
XXXX - XXXX XXXX Can you tell me the ticket number from XX/XX/XXXX? 
You - XXXXXXXX XXXX Case # XXXX XXXX - XXXXXXXX XXXX thank you You I called the number I was given asked to be transferred to the specialist department. I spoke with XXXX who tried to assist me herself and I told her I have a case number gave her my case # and she immediately said she would transfer me to the specialist department. I was transferred to the and remained on an open line with no response from anyone when asking if anyone was there. Waited a few minutes getting frustrated and hung up.