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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year>, I submitted my initial dispute of a tradeline being inaccurate/ incomplete via U.S.P.S . certified mail to Experian information solutions , inc., which included copies of my driver 's license, proof of address, and Social Security number to verify my identity. Experian has failed to investigate the dispute in violation of the Fair credit reporting specifically 15 U.S.C. 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX XXXX  Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I went into the ER, due to some what I thought I was having was a XXXX, it took XXXX hours to even be seen, they total necessary vitals and XXXX XXXX ... it would then take another few hours to even be seen to be told I was just having a little XXXX, they discharged me, in no right mind would {$700.00} be as much as just taking vitals and getting a talk from XXXX for less than {$5.00} worth {$700.00}. Anyways, tried to email and call and my email was blocked and when I call line is always busy or not working number, so I'm not sure. I would love to dispute the full amount because I'm done trying.
Product: Student loan

This complaint is for how the customer service of XXXX XXXX XXXX handled a recent issue with their online payment system. Payments made online during the date of XXXX/XXXX/15 faced system issues where the payment was triplicated instead of processed only once. I became aware of the issue only after checking my online bank account ( XXXX/XXXX/15 ) and saw the reoccurance of the transaction and the overdraft they were causing. 

In following up with Aspire customer service on XXXX/XXXX/15, they informed me that they knew of the problem and were working hard to correct it. During the conversation, the process of how to handle the overdrafts for refund also occurred. The second representative I spoke with informed me that their company became aware of the problem on Monday, XXXX/XXXX/15. I asked if there was any thought of notifying the people affected by this problem - via mail, email, or phone number ( all of which they have ). The representative had no answer as to why they did not attempt to notify the people this would cause hardship for. 

I explained that this was, in my eyes, some of the worse customer service possible - to not even attempt to notify customers of unauthorized charges their company was making. I explained that they have my contact information and that is wrong to not notify and allow the customer to find out on their own. 

The represenative said they could see my point. They explained they are working on the return of funds and working on solutions to prevent issues like this from reoccurring. I am, mostly, satisfied with how I was treated on the phone - my complaint is with their policy/lack-there-off in regards to notifying customers of issues they have caused. The returned money may take up to a week to return to my account and I will have to go through a claim to get refund for the additional fees and fines caused by this oversight in their systems. 

They did not have an answer regarding how this would create additional hardship for weeks or months to come - handling the refund process will take 5-10 days, then wait for a check to be issued and received. They did not have an answer for the impact this would have on subsequent bills with their own company and explained they had not discussed any way to assist those they caused negative impact for. 

They had the information to provide to myself and the countless other customers impacted by this situation and did nothing.
Product: Credit reporting

I was added to a certain credit card as an " authorized user ''. The main reason is the primary did n't want the husband to know she opened another card. She 's in debt badly and uses my card so husband is left clueless. I repeatedly asked the primary to remove me from this card. Of course matters got worse when I requested that. Primary finally contacted the credit card company as did I and requested my total and complete removal. I am not responsible for this bill any longer. I have faithfully paid on this card for over 2 years, charges that were n't even mine but the primary 's. The primary has yet to accept responsibility for the " current balance '' which is not mine. This is making me and my credit look bad which took me years to get my credit back due to a lot of personal reasons. Transunion has been contacted numerous times by me to dispute this and remove it from my credit report. I disputed this mess to Transunion via XXXX XXXX and to them directly.They are the only company still showing this account on my report. All others took care of it immediately. I 'm not sure if I should list the credit cards name? Please help. Thank you for your time.
Product: Debt collection

This particular complaint is regarding Account Number XXXX. The invoice is from XXXX XXXX XXXX. Services were provided at XXXX XXXX XXXX XXXX on XX/XX/XXXX. First, I have already received XXXX statements from XXXX XXXX XXXXXXXX XXXX for services provided to XXXX XXXX ( my minor son at the time ). Those statements are for account number XXXX and XXXX. I have called the hospital, and I have been on a payment arrangement with the hospital since I received the statements. My son, XXXX XXXX was seen in the XXXX  on XX/XX/XXXX, he was XXXX  at the time. I am noted as the responsible party since he was XXXX  at the time. On XX/XX/XXXX ( almost a year later! ) I received a statement from XXXX XXXX XXXX with for the account number listed in my first sentence. The statement shows an amount due of {$1700.00}. Again, I am shocked I am getting a statement almost a year after the fact. I called the number on the statement ( That was sent to me, XXXX XXXX! ) and I was told they will not speak with me about the statement without my son 's permission since he is now XXXX. He was not XXXX at the time of the visit hence why I am being billed. He is in state custody, and I am not readily able to get his permission. I have no idea what this invoice is for. They refused to tell me anything. They did say my insurance has not paid. This is odd to me as at that time in XXXX we had met our out-of-pocket XXXX. This entire invoice should be covered as we had met our out-of-pocket deductible already. This need to be resolved. I have added proof showing this has been paid by my insurance. I expect an updated invoice showing a XXXX balance. 

Today is now XX/XX/XXXX and this same " invoice '' has been sold to CMRE financial, and they are trying to collect on this " debt ''. There are a few glaring issues with this : 1.The statements I have for this amount state my insurance was billed, yet they didn't pay anything. I had met my deductible, and this bill should have been covered. 
XXXX XXXX XXXX XXXX refused to talk to me about and invoice they sent me almost a year after service.
Product: Credit reporting or other personal consumer reports

This is in relation to Complaint # XXXX. REFER TO ALL INACCURACIES IN ATTACHMENTS ( Date of last activity, date of report, date opened, closed date ; simply one inaccuracy is grounds for violations ) and includes the following:15 USC 1681 - ACCURACY AND FAIRNESS - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to a consumers right to privacy. 15 USC 1681b - PERMISSIBLE PURPOSES - XXXX  did not obtain my permission to provide any adverse information on my consumer reports, through any of the platforms they intended to, including but not limited to XXXX, XXXX, or XXXX. I never intended to give express permission for them to do so, and if there were any permissions I unintentionally authorized pertaining to adding any information on my credit report that damages my reputation, past, present, or future, I unequivocally revoke and deny any such actions or practices. In Re P.L. 90-321 ( 82 Stat. 146 ) backs this code. 15 USC 1681s-2 ( A ) ( 1 ) - REASONABLE CAUSE TO BELIEVE INFO IS INACCURATE - states 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. Through the preceding complaints provided and the evidence shown, ALLY is under responsibility to ensure accuracy to their claims. Whoever is reporting this on their reporting side must consider the fullness of the status as provided. Reference XXXX of Executive Customer Relations XXXX ext XXXX. PRIVACY ACT OF 1974 ( 5 USC 552a ) Conditions of Disclosure - No agency shall disclose any record which is in a system of records except pursuant to a written request or with a prior written consent of the individual to whom the record pertains unless disclosure of the record would be in accordance with 31 USC 3711 ( e ) UNLESS the disclosures are to collect a claim of Government by way of Internal Revenue Code, or a head of agency has established procedures to get satisfactory assurances from each CRA that the agency is COMPLYING WITH ALL LAWS OF THE US they are in violation of the Privacy Act of 1974.

Because ALLY and myself are currently in disputes over the following commercial relationship, they have XXXX right to report any adverse claims which are yet unsubstantiated and are therefore defamatory and damaging and without consent. Their claims under negligence and denial of their own responsibilities to provide full disclosure as shown through recent complaints are violations of " Permissible purposes '' 15 USC 1681a " Regulation P '' 12 CFR 1016.1 and Privacy Act 5 USC 552a and therefore are willfully noncompliant 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

Titanium funds has report that our car paid off since XX/XX/2022. This has negatively impacted my credit as all on time payments are not reported since XX/XX/2022.
Product: Vehicle loan or lease

Date was XX/XX/scrub>/2024 I went into the dealership after my approval I was not satisfied with the extra fees of a down payment because in accordance with 15 USC 1605 finance charge it says no comparable cash transaction necessary when finance charge is present I was told that's not true it's up to the creditor which I stated I am the creditor in this consumer credit transaction and credit is my right also full disclosure shall be met and he wouldn't provide the truth in lending statement so he could go over everything for me and him to get on the same page so he could present my concerns to the appropriate person he refused to help me after speaking with a manager she said we have no finance department everything is done online so they couldn't help me which is deceptive practices I also stated where would the money go if I paid the down payment in cash he said the lender which was a lie he was knowingly given me false information to get a sale that favors him because he receives commissions on sales and down payments
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES BELOW ARE NOT MINES.

Inquirer Name Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX   BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I went in to Advance America on XXXX XXXX on XX/XX/2018 to refinance my loan. I was told by a new employee that I had basically no choice but to agree to a new loan that they had started. To pay off my loan in 18 months. I said that's great I'm thinking in my mind oh {$400.00} over 18 months.That would be my payments. It was not explained to me all the interest in the fees and that my loan amount would change. I did not receive the total of loan amount till the end after I had signed everything. she was a new employee I was in this office for 2 hours. At the end of everything she said to me while I'm not going to basically explain everything to you. She was apologizing for everything and then said just initial the papers we'll do this quickly so you can get out of here. I was not given the proper time to look over the papers. Then the woman asked me, would you like to see your payment schedule? That's when I realized the loan went from {$400.00} to {$1000.00} I told them " oh you ripped me off ". I was not notified of the amount till the end. Idid not agree with it
Product: Payday loan, title loan, or personal loan

I received a call from a spoofed number XXXX. The person on the phone stated that she was calling from Unity Assets and that she was only the secretary and she could not go over why she was calling so she transferred me to a XXXX XXXX. XXXX XXXX proceeded to tell me about a debt that I owed from a company called XXXX XXXX. She said papers came across her desk from their client. I told her the financial situation that I was in, and was willing to set up a payment plan. I told her that I could not make a payment today but I could set up something for the end of the month. XXXX XXXX said that they could not wait that long and that they needed a good faith payment today or they would mark my file as a refusal to pay. When I began questioning her about this, she began saying that she was feeling very uncomfortable and that she was going to mark my file as a refusal to pay. I never once in the phone call said that I would not pay, I told her I could not make a payment today. Also she misrepresented herself saying that she was working for a client when in reality they bought this debt from the original creditor who is XXXX XXXX. When I asked for her full name and company info, she became upset and was saying I was making her uncomfortable. I have a right as a consumer to make sure that I am paying a legitimate debt and to ask questions about this debt. I want to reiterate that when I began questioning her, that was when she began saying she was uncomfortable. This company is Unity Assets located in New York with a phone number of XXXX.
Product: Debt collection

Didn't receive notice of right to dispute NEVER RECEIVED LETTER FROM COMPANY
Product: Debt collection

I have consolidated my date and this creditor constantly calls my cell phone and work. I have asked repeatedly for him to stop calling.
Product: Student loan

Navient has raised my interest rate without consent on various occasions and has not satisfactorily responded to my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$1900.00} XX/XX/XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I NEVER EVER FAILED TO PAY A DEBT. I have no debts. By the time they claimed that XXXX wasnt paid I had full health insurance coverage!! 
The secretary at that Dr office XXXX XXXX XXXX XXXX was the one to suggest changing from XXXX to XXXX. 
I HAVE NO DEBT and they are ruining my credit score sending an amount of XXXX $ for a debt that it is NoT mine!

Stop doing it!
Product: Student loan

XXXX XXXX XXXX is a fradulent school that was shut down by the school board. 

I had attended XXXX XXXX in XXXX for about 2 months. They told me and my dad i did not qualify for complete financing and that we had to get a PRIVATE loan together through XXXX XXXX and that we would have to pay the full tuition upfront and if i ever wanted to come back i could if i needed to take time off. So i had gotten a new job around the time i started school and it became to much for me to juggle. I stayed with the job and im still with the same company to this day. XXXX i had tried to go back to school but they requested another XXXX XXXX private loan pulled out for me to go back to class. in which i already payed XXXX for 2 months. Me and my dad had contacted the school multiple times after that to have whatever was left of the money we paid to be returned to XXXX XXXX. Ignored our calls and never got a response. They had now shut down the school for fraud and i am here years later still owing XXXX JUST IN PRIVATE and XXXX in Federal aid for fraudulent schooling who stole money. Ive tried everything to get some help about this situation and i cant catch a break. I have been paying 300+ a month for the last 6-7 years and XXXX XXXX told me i  still have another 22 years before its paid off. 


As far as documentation i have the loan papers from XXXX  XXXX  and getting a hold of anything XXXX XXXX to get my actual school documents is going to be impossible. Any other information needed please let us know so we can try and get this taken care of.
Product: Mortgage

Freedom mortgage shouldnt be allowed to be licensed for mortgages. My mortgage was sold to them and I had no idea. They were never planned on sending a welcome email so I could create an account. I was forced to call to get my loan number. After attempting to make my payment, they fraudulently took funds from an account I did not authorize that was only kept the funds to be a member of a credit union. They never had that account number and I believe did it to cause a fee.
Product: Credit card

AMERICAN EXPRESS COMPANY Regulation Z, 12 CFR 1026.13 Violations- PLEASE SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS NOT ALLOWING LENDERS TO VIEW MY CREDIT REPORT AND WE ARE BEING FINANCIALLY EFFECTED BY THIS AS XXXX ARE TRYING TO REFINANCE AND GET QUOTES! XXXX LENDERS STATED THEY CAN ONLY SEE MY XXXX REPORT BUT SOME REASON EQUIFAX IS NOT BEING ABLE TO BE RETRIEVED! 
I WENT INTO EQUIFAX.COM, UNDER MY ACCOUNT AND WHEN I CLICKED ON, '' VIEW CURRENT CREDIT REPORT '' IT DENIED ME GETTING IT AS WELL!! 
STATUS SAYS '' UNAVAILABLE, BLOCKED DUE TO " PROMOTIONAL PURPOSES!!!??? '' WE NEVER GAVE OR REQUESTED EQUIFAX TO PUT ANY BLOCK OR FREEZE!! 
THIS IS ILLEGAL TO WITHHOLD INFORMATION THAT CAN CAUSE FINANCIAL DEVASTATION TO OUR LIVES WHILE MORTGAGE PAYMENT COULD DRASTICALLY DROP IF WE CAN NOT GET REFINANCING IF THEY DO NOT RELEASE AND UNBLOCK IMMEDIATELY AND ALLOW LENDERS TO SEE MY EQUIFAX CREDIT REPORT, I WILL FILE A LAWSUIT AGAINST EQUIFAX!