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

Credit Acceptance continue to report inadequate information on my report, The car was a lemon only drove the car for two day and the engine locked up at XXXX XXXX  i was having new tires placed on it. I had a warranty and they refuse to repair the car. they wanted me to pay out of pocket for XXXX shop broke down the engine and tell them why the engine transmission locked up. XXXX told me that would cost more than the car is worth to do that. i gave them the car back in may they picked it up from XXXX XXXX were i had it tow to. The dispute department XXXX called me and tell that there was nothing they could do and she also Statement if this will make me feel better they have stop using XXXX XXXX. this the place i bought the car from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

unauthorized inquiries on my credit report -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all XXXX bureaus ( Transunion, XXXX, and XXXX ) and I still haven't received a response from any XXXX of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.
Product: Credit reporting or other personal consumer reports

I see that TransUnion and XXXX has removed XXXX XXXX XXXX off my consumer reports and it is proof of my claim but has not yet compensated me for the actual damages cause and also the violations. If can't resolve this issue, then I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages.
Product: Credit card or prepaid card

I, XXXX XXXX, a consumer of Chase Credit Card Services, received notification my limit was decreased from {$13000.00} to {$6000.00} without notice. I previously was given an increase back in XX/XX/2021 and now this company has abruptly reduced my limit due to inactivity. I was out of town on a trip with my wife and could not utilize my card to pay for our hotel accommodations when I had the funds available previously to use. This caused a major impact to my trip finances and I had to move to a different hotel costing me an additional {$1000.00}. I am very disturbed and frustrated by the disregard this company has put on myself as an outstanding consumer. I have always paid my bills on time and I travel XXXX times per month and need access to my credit cards. This has now dropped my credit scores and negatively impacted my credit. I have been an account holder for 5 years and have never been delinquent or maxed out my card. I reached out to Chase for more information as to why my card limit was reduced and they only stated due to inactivity.
Product: Debt collection

I have tendered the payment as of XX/XX/2019. THey have destroyed deleted and or alleged payment went missing. THey also claim that payment was not received when I have proof of service from the XXXX with a signature from their agent named XXXX XXXX. On two occasions this agent on behalf of USBANK signed for this payment. Please see attachments for more details.
Product: Credit reporting or other personal consumer reports

This is related to the false payment reporting on my credit report for XX/XX/year> I have already called previously and spoken to a customer agent a year ago to have the reporting of this late payment changed to paid on time and was told it would be updated to on paid on time. I distinctly remember speaking to a customer service agent overseas about the fact that that payment was supposed to able set on auto pay and I was unaware the system glitched and didnt allow the autopay to upload. 

I called about the reporting of this late payment and was told by a customer service agent overseas that this would behuldate to paid on time. It is not my fault if Chse decides to hire people overseas for pay cuts who might not completely what I am saying but that is not the consumers fault! You cant expect to hire people with XXXX as a second language and then allow to make mistakes like these. I was recently denied an apartment and am now homeless due to the false reporting of this late payment! I will sue chase if this continues further. I either want this updated to pay on time as I have no other late payments or changed to no data for that month. But under no circumstances should you guys keep reporting this false information. There is absolutely no proof that this payment was deliberately paid late and it is the only one. This is completely ruining my life and causing major hardship. I should not be homeless while employed because my credit is getting demo. Update it asap or I will have to look into legal action.
Product: Student loan

Navient keeps harassing me with relentless calls. Home and now my work.
I am a responsible Parent that has co-signed a loan for my son.
I 've been very responsive to all of their request. They needed enrollment verification for my son. My son has never missed a semester or taken anything less than a full load/fulltime at College since graduation from High School.     Their collections department calls needing payment because they were missing the form, because they think he is out of college.   I have uploaded the form to their site and faxed it to their contact number. I have also emailed the forms as well. I had the University get me notarized copies of this form. The issue is that the company does not have good communications between departments. I have tried to call them, but I 'll get put on hold and wait forever, until the line eventually hangs up. I call back again talk to " Another '' Rep, wait again. Finally you 'll get a supervisor on the phone, they ask the same questions the other  XXXX  people you 've talked to at Navient. There are No notes on my account that I 've ever contacted them. I say BS. I have every email and fax confirmation that I have sent to  Navient. This has got to stop, if Navient 's actions have effected my credit rating in anyway, I will seek Legal  council.   DO NOT USE NAVIENT FOR ANY STUDENT LOANS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit, i noticed that my TransUnion report has an unauthorized inquiry which i have no clue. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : XXXX XXXX XXXX Address. : XXXX XX/XX/XXXX, NY,XXXX. ( Doesn't have full address ) Telephone : XXXX Inquiry date : XX/XX/2018
Product: Credit reporting

I pulled my credit report from Experian, XXXX and XXXX and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XX/XX/2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2016 ; no response. Due to the lack of communication, I then contacting Experian, XXXX and XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
Product: Debt collection

In review of my credit report in XX/XX/XXXX I discovered a negative debt of XXXX owed to a company that I had never heard from or knowingly done business with, so I disputed the debt. A few weeks later I received an alleged debt validation letter in XX/XX/XXXX from a debt collector who purchased the alleged debt in XX/XX/XXXX. 

They claimed to have a debt owed by an original creditor that I ended service with in XXXX when I switched carriers. I have emails and chats showing I left XXXX in XX/XX/XXXX. The debt they allege I owed was from a date range XX/XX/XXXX. This was not a debt they verified, but they are still reporting on my credit reports. 

They violated the following Fair Debt Collection Practices Act 1692-1692p. : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- IT WAS 7 MONTHS AFTER THEY FIRST REPORTED RECEIVING THE DEBT. THEY BEGAN REPORTING TO THE CREDIT BUREAUS WAY BEFORE THE NOTICE EVER CAME.

( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector : See ATTACHMENT THE ONLY LETTER RECEIVED DOES NOT SHOW ANY STATEMENT This was the first notification I had ever received by Source Regional Management for any debt. No reason was given for why they failed to notify me. 

805. Communication in connection with debt collection Would hang up on me when I called to get more information because I refused to provide personal information to them.

807. False or misleading representations They claim that XXXX is a client in the validation later. Does not say they represent XXXX, or a law firm or anything else. 

Seems intentional by the debt collector. 

I called twice and needed to have clarity on how they think this debt is mine, but have not received consistent, clear or respectful communication with them. I had the right to say the debt was not mine and to not provide you with personal information. You were asked to further verify that this debt was mine and you hung up on me.

They have no interest to reasonably resolve this professionally, so I filed this complaint.
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 any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) 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 XX/XX/year>, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX Balance : {$0.00},
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentiality SELF/LEAD BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentiality I closed the account below and was told it would be removed from my Credit report by someone in Customer Service , I contacted the Company ( Self/Leads Bank ) by mail and with no response also by phone with only being able to be connected to Customer Service Reps who don't speak proper English and seem not to understand my rights have been violated. 

SELF/LEAD BANK XXXX LEAD BANK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C 1681 section 602 ( A ). ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 6802 States ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) The consumer is given an explanation of how they can exercise that nondisclosure option.
Product: Debt collection

I opened an auto loan with Quality Acceptance. In XX/XX/XXXX. The car was repossessed XXXX of XXXX. I never recieved any proper communication before repo. 

The car was dragged out of my driveway with no communication of their intent to do so. They would eventually send the car to auction.Without giving me the option to recover. 

I am unsure of the auction price because they refuse to give me any information. A few months later the pandemic would hit. The amount owed after the car was sold was never updated to credit bural. When it did. It updated as a charge off of XXXX. 

I would later recieve an update of the account being " Closed and Charged Off '', I tried calling to figure out what I actually owe, but Quality Acceptance keeps changing the amount. They won't give me a straight forward answer and are very aggressive on the phone. 

I have no idea why I owe this new XXXX amount, and I haven't recieved an invoices since XXXX for ANY of these new amounts chaged to the this closed and discharged account on my credit file. 

I believe this company is using unlawful practices to force people into paying significantly more then what they originally owed. My balance was a little over XXXX in XXXX. 

Without notice, now the balance is XXXX. They have charged over XXXX since the account closed in XXXX. Keep in mind this account is closed, and I haven't received a single invoice, phone call, or email communication for ANY charges accuring on my report. As of today XX/XX/XXXX. 

I think they know I can't pay this amount. And they a purposely and with bad faith, attempting to ruin my credit.
Product: Mortgage

in 2021 recorded assignments after 10 years. 

communicating with me trying to collect without owning the debt after 10 years of original lender assignments
Product: Credit reporting, credit repair services, or other personal consumer reports

This lender claims that I was 90 days late, one I spoke to customer care representative and I explained that I have not received any letters from them and that I will pay my account fully they told me they were going to remove the late payment alert from my credit report. This has not happened
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, has a number of inquiry on my credit report. That, I didn't authorize. XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, which I Don't know these companies, I'm never done business with them. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$83.00} ; XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX selling information of unsuspecting consumers called trigger leads. 
I understand there is information regarding these leads being sold by the major credit reporting agencies and somehow making it legal to do so. 
I also believe there is an underline issue with this. Not just the fact that there isnt a single person whom I have spoken with who knows this is happening but also the fact that no consumer who has pulled credit for a mortgage has opt in to receive solicitation much less have there personal information sold to a number of mortgage brokers or lenders. 

I am a mortgage broker and I receive phone calls from clients asking me why they are getting between 10 and 15 calls per day, multiple times per day from other mortgage lenders trying to solicit business. Some claiming to be a partner of Transunion and just doing a follow up to make sure the client gets good service. I have an actual recording from a call. 

Do I tell my clients that there information is sold the minute they pull there own credit for a mortgage. it seems that if I am aware this happens then it makes me responsible to disclose the fact that this can happen and more than likely will happen but theres nothing I can do about it. Since the three major credit reporting agencies dont actually pull credit for consumers, they dont have any sort of permission to sell peoples information for profit.

I received another call from a client this morning who stated he received 13 calls this morning from mortgage brokers or direct lenders, all from spam numbers ( robo dialers ). Coincidently I pulled his credit yesterday utilizing rocket pro ( rocket mortgage ) online credit pulling service. Now rocket doesn't sell information, I don't sell information but we both know the credit reporting agencies will sell it. So who is responsible for informing the client that by initiating a credit pull with us for a legitimate service there information will be sold to multiple people. 

This doesn't sit right with me, regardless of being legal or not it seems there should be some protection in the California privacy laws prohibiting this from happening to unsuspecting consumers. 

Last, I have asked every client I know, every friend I have and non of them understood that there information was actually being sold by the credit agencies, they thought they may have filled out an online form somewhere down the road that opened them up to solicitation but certainly not by a trusted credit reporting agency.
Product: Credit card

I can not apply a payment to my account. They have locked my online account and tell me to call a customer service line that does not have anyone on it. I have sat on hold for XXXX hours multiple days this week with no one answering my call, and then after XXXX hours it just drops my call and disconnects. They did some maintenance to their online payment portal and thus have canceled my card and are reissuing me a new one but it takes XXXX business days to get. All I want to do is pay my card without getting late fees or negative issues.
Product: Checking or savings account

In XX/XX/2024, I received at my home in the mail an online savings account statement from Marcus by Goldman Sachs. I did not open this account. I called the company on XX/XX/2024 and spoke with a representative named XXXX. I told her I did not open this account, it was fraud and to close the account immediately. She informed me the account was opened online in XX/XX/2024. The needed to have my address, birth date and social security number to open the account. No transactions occured ; the beginning and ending balance were XXXX. She said I would receive confirmation in the mail that the account was now closed. I have not yet received it. I want others to be aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Credit Plus made an inquiry on my XXXX  credit report. Because I never authorized Credit Plus to pull my credit report, I contacted Credit Plus demanding they show valid proof they had permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Credit Plus never responded with any type of valid proof that they had permissable purpose to pull my credit report.
Product: Credit card or prepaid card

Ive had this particular credit card for about 3 to 4 months now, although with this being a card I didnt sign up for it was still sent to me anyways. I reached out to XXXX card services on multiple occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Everytime Id call and explain to them and try to understand my billing I have always been given the runaround or them disconnecting my call. Now I can not access my credit card account through their website, even tried to create a new log in and I still am unable to log in to check my balance, due date etc : Im only sent text messages to know when my bill is due or constant calling. 

According to House Joint Resolution 73rd congress. Session 1 chapters 48 & 49 XX/XX/XXXX, XXXX, XXXX H.J.R. 192 1491 Public alas 148 stat 1 confirmed in Perry V. U.S. ( 1935 ) 294 U.S. 330-381,79 LED 912, as well as title 31 United States Code ( USC ) 5112,5118 and 12 USC 95 a.

With 15 USC code section 1666h the credit card issuer may not take any action to offender a cardholders indebtedness arising in connection with a consumer credit transaction under the revenant credit card plan. 

My demand is as the natural person my credit card be paid in full! Under 15 U.S. Code section 1693o-1 and HJR 192.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I was approved for {$890.00} credit line of credit. 

The company did not make this line of credit available. Instead it was placed in a reserved account with no access to me. 

The company markets a false product and does not honor a contract with customers. I paid {$550.00} from XXXX to XXXX and was charged {$230.00}! Received a refund of {$310.00}.