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. Has Violated my rights. 

XXXX - Account info/ Account number # XXXX XXXX XXXX  -Account info /Account Number # XXXX  XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more convictions of crimes which antedates the report by more than 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  TX Account # XXXX This particular account is an account that should be deleted because the deal fell through because I was not able to provide a title for the vehicle I wanted to purchase, Therefore the loan fell through. That means that the information being reported is inaccurate. XXXX XXXX XXXX  TX never gave me any money so I don't ow them anything. 
Consumer reporting agencies are also in violation of 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or
Product: Credit reporting or other personal consumer reports

I have consolidated all my credit cards and 98 % paid, I have inaccurate reports on all of the credit reports charged off but all paid, late payment was during the process of the consolidation program process and once the process was complete accounts were paid, but reports still read late payments, charged off inaccurate. I had requested this be resolved XXXX experian, XXXX and XXXX causing denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft in which it has resulted in multiple accounts of different varieties has been opened in my name. I have been reporting this information to XXXX, XXXX, XXXX on numerous occasions. They each have failed to investigate this matter properly. I sent in a 609 letter requested that all items be removed and yet these items still remain on my credit report. All items have been reported to the FTC as well. I have sent in my ID SSN and also letters requesting to remove incorrect information off my correct. My rights are being violating by XXXX, XXXX, XXXX and Im in the process of seeking litigations. There are multiple inquires wrong names and address and fraudulent accounts located on the credit reports. I was also told that there is another account from another person with a similar name who's information was merged with my account. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting

I filed a complaint with Experian to vacate a public record of a Ch. XXXX proceeding filed but dismissed by the court as an error and withdrawn by the court the same week it was filed in XX/XX/XXXX. I became a victim of Identity Theft regarding a mortgage with my name on it that was foreclosed illegally by XXXX XXXX. Every other CRA vacated this public record court case # XXXX last year after I was affirmed to be a Identity Theft victim when our house was stolen! Experian in XX/XX/XXXX signed an accord to vacate ANY public record without all XXXX DATA points on the public record. My public record does not have enough data points of identification so it should be vacated as well! See news article on Page XXXX.
Product: Payday loan, title loan, or personal loan

I sent an email to the address listed in my contract 3 days before my payment was due revoking my ACH authorization ( sent XX/XX/XXXX - payment date XX/XX/XXXX ). I received email confirmation that my email was received by Cashnet USA. Today ( XX/XX/XXXX ), my account was debited. I called and spoke with customer service who informed me that even though I received an automatically generated email acknowledgement from Cashnet USA, that they did not receive my email nor have record of it in the system. I was then informed that I needed to contact them 2 days before payment was due to revoke my authorization. I re-explained the terms of my contract and again was told by email was not in the system. They will not refund my payment, so I am now disputing the charge with my bank to determine what my rights are for the unauthorized debit from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see, XXXX  removed these accounts because they werent mine. 
Experian is still validating them. how is that possible, it can only be one or the other this is an FCRA violation. EXPERIAN NEEDS TO DELETE THIS
Product: Student loan

My Great Lakes has completely wiped out all of my account information including my payment history on student loans which began in XXXX. I was referred to Nelnet who allegedly took over servicing for all My Great Lakes accounts. Nepnet has no record of my payment history. My loans were then again transferred to XXXX, then back to Nelnet, now they are back with XXXX. Nelnet and XXXX can not provide me with payment history and My Great Lakes is no longer reachable via phone or for customer support. Please help.
Product: Credit card

I have been a victim of identity fraud. I have numerous accounts and inquiries on my credit profile that i did not authorize.
Product: Money transfer, virtual currency, or money service

I am writing formally just to express the concerns I had for my Zelle transactions and disputes made that were not properly investigated and solved. This is not appropriate at all for a corrosion as big as them and leaves us consumers very vulnerable and that is not appreciated.
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX in XXXX, FL. I had XXXX there XX/XX/XXXX & XX/XX/XXXX ; my co-pay was {$500.00}, I paid {$230.00} on XX/XX/XXXX. I spoke with XXXX, Supervisor in Billing Dept in XX/XX/XXXX to advise her that I needed an itemized list of charges as well as informing her I would need a payment plan to pay balance of co-pay as I am on Social Security with no other income to assist me with unexpected expenses. I am lucky I had the {$230.00} saved up. They offered me a payment plan of {$25.00} per month, I said with the other medical bills ( XXXX , Dr 's co-pays, etc ) I would only be able to pay {$10.00} per month until I pay the other medical bills off then I would be able to pay more. She gave me a verbal ok on the {$10.00} per month. This week I get a collection letter from Gulf Coast Collections. I do n't understand how medical facilities can not work with you when knowing your financial situation. I realize they have 'policies in place ' but there are circumstances that the consumer just can not meet these strict guidelines. Plus when I had a verbal ( phone conversation ) that it was ok to pay the {$10.00} per month, they had no right to turn acct over to collections. I am hereby writing to the Administrator of the hospital also venting my frustration about their policies. I also have never received a statement of charges for the amount of my co-pay or showing that I paid the {$230.00} towards my co-pay. ( I do have a receipt showing I paid the day of the XXXX, but I should have received a statement showing total charges, balance due and any paid amount ( s ).
Product: Mortgage

i had a flood and had NO issues getting funds from my insurance company. But the bank has had check for over 6 weeks and won't release funds. They leave messages to call them back, when you do you get a different rep. who doesn't know whats going on. They have asked for the same paperwork ( a summary page ). I have been waiting for 8 days for a manager to call me back. I am out of pocket for the contractor and the bank doesn't accept a cancelled check as proof of paymentand i speak to a different rep everytime i call who needs to review file. 
I am wondering what it takes to get my OWN MONEY BACK ... I have asked them to review our past conversations because of different information given, I have asked for a manager on 6 different calls and i get NOTHING!!!!! 
I have even asked to have the inspector come and see that we are 50 % done with work and hand deliver my funds i need to pay my contractor ... i am already {$61000.00} out of pocket -- -- there is no other funding avilable to complete this work ... .and today again for the 3rd time, they denied release for a summary page.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my report I found an Old XXXX XXXX XXXXXXXX Account that does not belong to me. 
I Confirmed with XXXX XXXX XXXXXXXX that account does not exist. 
I believe I am a victim of fraud. 
I have asked Experian and XXXX and all the credit reporting agencies to please remove. of all the credit reporting agencies. XXXX already removed it. 
Please remove this account.
Product: Debt collection

My name is XXXX XXXX my consumer Rights are being taken advantage of by these debt collectors, XXXX XXXX XXXX and NCB Management services inc for committing identity theft with my name.Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the the initial disclosure, to direct that such information not be disclosed to third party under 15 USC 6802 ( B ) 1c. With that said brings up yet again another violation under 15 USC 6802 ( B ) 1c, were i wasn't explained or shown clearly how to exercise my rights as a consumer to that nondisclosure from a consumer credit transaction between me and XXXX, to opt out of furnishing information to non affiliated third parties.Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by NCB management who now says i owe them a debt which on XX/XX/2022 i requested validation and have not received up until now but they are communicating to me via consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from NCB management services and all other third parties involved. If i don't find remedy to cure these violations of my right to privacy under federal law, i will have no choice but to file a lawsuits which i will be looking for actual damages caused from these companies unfair practices. NCB management services inc and all other third parties involved to be criminally liable and persecuted for aggravated identity theft pursuant 18 USC 1028A, extortion mail fraud and theft by deception. Please note that i went through all channels to get this problem solved and i am giving formal notice that i intent litigation if my demands aren't met you have been hereby notified Pursuant XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan started with XXXX in XX/XX/XXXX as of XX/XX/XXXX they have 26 payments. I have been told I still am behind one payment I have sent my bank records and they say I have made the payments but the system says I am behind. I have incurred late fees over this. Have 4 over 30 day marks on my credit. My payments is due the 30 every month and I have done that. There are some payments that have not been fixed either. 
XX/XX/XXXX payment posted according to their records on XX/XX/XXXX. I sent a payment XXXX, XXXX, XXXX i asked the extra from the XXXX be added to the XXXX that has never been done. Furthermore the XXXX, and XXXX payments have never XXXX combined either. My payments started XXXX XXXX to date I have made 26 payments. I am not missing a payment. I would ask for these things be corrected as I have asked for MONTHS FOR THE PAYMENTS BE CORRECTED. I have called since XX/XX/XXXX sent out emails to the proper department and not resolution at all.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX  XXXX {$3300.00} XXXX XXXX XXXX XXXX - {$5300.00} XXXX XXXX XXXX XXXX - {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Credit reporting

In XXXX 2016 I began Disputing Items with TransUnion on my credit report, 1 Specific irem from XXXX XXXX XXXX XXXX XXXX late payment. After numerous attempts sending certified letter, and phone calls ; Transunion continues to validate this entry. I took m matter into my own hands and sent a certified letter to XXXX at the address that Transunion provided on the credit report sent with the results of their investigation. This letter was returned to me by the USPS undeliverable, I even tried to call by the phone number provided, that was and still is a non working number. I have uploaded documents supporting my claim.
Product: Credit reporting

XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY
Product: Credit reporting or other personal consumer reports

I am the author of this complaint I was denied credit so I checked my credit report and noticed that Discover Bank is reporting a charged off account on my credit report. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given Discover whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

According to this Act, a financial institution may not, directly or indirectly, disclose any personal information to a non-affiliated third party such as XXXX or any other CRAs. 

Discover Bank never provided me with documentation notifying me of my right to opt-out of all authorizations and reportings. 

Furthermore, XXXX did not conduct a reasonable investigation as required by 15 USC 1681.
Product: Debt collection

I called to verify the address to send my request for removal of a paid debt that is on my credit report. I spoke with XXXX XXXX at Financial Management Solutions, she stated that the address on the XXXX credit file for company was not correct. I requested the correct address to send my request for removal. As I proceeded to tell her that I was sending correspondence to have this debt removed, she became very nasty, would not answer my questions, and kept asking for my number, I requested again an exact explanation of the process she refused and begin to say I was arguing with her about my " unpaid debt '' I stated I was not arguing and if she gave me a chance to speak or complete my sentence without her bullying. I was very upset and she continued to tell me and insult me. I asked for a supervisor and she stated that was her and that she said all she has to say. I I told her I have a right to verify the information, she continued to state that I keep talking and not giving her my phone number. I asked again for clarification of the process and she hung up on me. I called back a gentleman answered the phone, I was transferred to her again and she started to yell, I said that she is required to validate the information, and speak to me in a respectful manner. I said if she does not stop being abusive I will report her. She oh you are threatening me .... and hung up on me. I am very upset and I still do n't have the information on how to get this paid debt removed from my account. Please help me.
Product: Vehicle loan or lease

I have purchased a new XX/XX/XXXXXXXX XXXX from XXXX XXXX XXXXXX/XX/XXXX on XX/XX/2020. Loan in the amount of {$55000.00} was financed by Chrysler Capital at the exorbitant 9.10 % APR loan # XXXX. I have refinanced the loan with XXXX XXXX XXXX for a much lesser APR of 2.99 %. XXXX XXXX XXXX has sent a pay-off check # XXXX in the amount of {$56000.00} issued on XX/XX/2020. Chrysler Capital received the check shortly, however only cashed it on XX/XX/2020. As of today XX/XX/2020 they did not close the account and did not apply the funds towards my Chrysler Capital loan, so I have 1 vehicle and 2 open loans for it. I am paying regularly for my loan generated by XXXX and I am past due on my Chrysler Capital loan and Chrysler Capital as of today keeps saying that they are looking into it and the loan is still open. I have provided to Chrysler Capital the copy of the cashed check and they continue to say that they can not locate the funds and thus can not close the loan and credit my account with the pay off. I started calling Chrysler Capital since XX/XX/XXXX, to find why they haven't cashed the check, they claimed to never receive it. Finally, my local credit union provided me with a copy of the front and back of the cashed check, which I forwarded to Chrysler Capital. I have been calling regularly on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and the response I got was this : from regular CSR I was automatically transferred to the Executive office that deals with complaints of Santander Bank and while the executive office employees were trying to help it did not produce a resolutions and my loan is still open. CSR XXXX, XXXX, and today XXXX were genuinely polite and trying to help, but my loan is still open and I soon will be reported to the credit bureaus. Please help me get this resolved. They have all the proof and the copy of the check, but Chrysler Capital is maliciously not posting the pay off to my account. I have made a total of over 30 calls each for 15-30 min and it has been extremely stressful for me and no one at Chrysler Capital ever contacted me back, I was the one to always call them. Please help me get my pay-off posted to my account.