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

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditors customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

FIVE months ago, XXXX  and Experian BOTH claim that they verified the bankruptcy reporting on my credit report through XXXX XXXX, XXXX responded that they could not verify this information and DELETED it from their database. I sent all correspondence to XXXX  and Experian for them to delete this unverifiable information off my credit report via section 1681, however its been five months and they are not cooperating.
Product: Credit reporting or other personal consumer reports

My personal information is not updated. You need to update these as soon as possible.
Product: Money transfer, virtual currency, or money service

Could not speak to a live individual with Cash App.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent the company a letter informing them that they are inaccurately reporting late payments to my consumer credit profile, and that they need to remove them per the law.

15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XX/XX/XXXXMaking the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern On XX/XX/2020 I mailed a written request to Transunion by certified mail, the company received my request on XXXX XXXX. I requested the following accounts to be verified XXXX XXXXy company acct # XXXX and XXXX XXXX acct # XXXX. Included in my request was a colored photo copy of my Drivers license, passport, and copy of utility bill with my current address to make the company aware that I, myself was disputing and not a third party. Subsequently XXXX  and XXXX  completed a thorough investigation and responded in a timely matter. Today makes 58 days since Transunion has received my dispute. According to the FCRA they have 30 days to investigate and respond to a dispute which they are now violating the law. 

Please see attached mail receipt and updated credit reports from XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Informative is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I applied for a business line of credit in XX/XX/2023 using my EIN created for my business. The application requested my Social Security Number for identification purposes, which I submitted. I did not authorize use of my personal credit report to be obtained causing a hard inquiry to show up on my credit report from from Bank of America. I immediately wrote directly to Bank of America to remove this hard inquiry from my personal credit report, and never got any response back, and still have not gotten this unauthorized hard inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions
Product: Student loan

Hello, My name is XXXX. I initially had a student loan with Sallie Mae, and now it is transferred to Navient. The loans were disbursed in 2006 for a total amount of XXXX. And a total of 8 different loans. Some of the loans were deferred without my knowledge for 4 years. So basically after 13 years my loans are still owed XXXX. So I have only paid off XXXX dollars. I have calculated that I have actually paid XXXX in total payments to Navient. I will attach the file I pulled from Navients website as proof. All eight loans have different percentage rates, and it is all very confusing. I feel as though Navient, and Sallie Mae have taken advantage of me, and that I have lost a good amount of money because of their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act : The collections and companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Product: Credit reporting or other personal consumer reports

Hello, MY name is XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX my auto loan With XXXX ( account number : XXXX ) is being reported as {$18000.00} but its actually {$110000.00}. I guess someone made a mistake by leaving of an extra XXXX. On XXXX and XXXX its being reported correctly. But somehow Equifax is the only one with this error. please help me correct this. 

also equifax is reporting that it was a XXXX month term loan but it was XXXX months. 

Under the fair credit reporting act, I deserve to have my account reported accurately and fairly.
Product: Credit reporting or other personal consumer reports

I mailed a ceritified letter which I have attached toTransunion to request the proper verification for the below accountsTransunion claimed to have investigated. Instead of sending me what the requested/ required documentation Transunion sent out a letter explaining the dispute process. This is a stall tactic rather than doing what is constitutionally right. Is Transunion saying that they supersede civil and Federal law and are unwilling to provide me the conducted your investigation and provide me with the method of verification for the accounts mentioned in the attached letter that was sent certified to Transunion.
Product: Credit reporting or other personal consumer reports

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy And according to 15 U.S.C 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 7 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

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes XXXX years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

ACCOUNTS : XXXX XXXX XXXX and XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed a public record on my credit file as fraudulent with transunion. There is a chapter XXXX bankruptcy dismissed on my credit report that I did not file. I contact the bankruptcy courts about procedures and information reported to credit bureau, which I received a letter back stating that they do not report information to the credit bureaus. I have ask for proof of the disputes from the credit bureaus which I haven't received yet, instead im getting letters back stating verified. I have disputed the bankruptcy on XX/XX/2018. I have proof that I am a victim of identity fraud. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the recent changes to law, effective XX/XX/2017 Public Record data reported must include a minimum of name/address/SSN/ and date of birth in order to appear on a credit file. The credit bureaus haven't updated/reported this info and per the law Bankruptcies don't include this info and this should be removed promptly from my report.
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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am writing to bring to your immediate attention that I have been a victim of identity theft, which has resulted in the unauthorized opening of accounts in my name. I have not authorized these accounts, and they are the result of fraudulent activity. This situation has caused me significant distress and inconvenience. Below is a list of the fraudulent accounts that have been opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you take the following actions immediately : 1. Remove all fraudulent accounts listed above from my credit report.

2. Delete any associated negative information related to these fraudulent accounts.

3. Notify me in writing once these actions have been completed. 

According to the Fair Credit Reporting Act ( FCRA 605B ), I expect these items to be removed from my credit report within four ( 4 ) business days of receipt of this letter. Please find enclosed a copy of my Identity Theft Report, proof of my identity, and any other necessary documentation to facilitate the prompt removal of these fraudulent items.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a Hyundai in XXXX and made every payment on time. I leased another Hyundai, in the summer of XXXX and turned in the XXXX car. As part of the deal, my last few payments on the XXXX vehicle were to be paid by the Hyundai dealer. Apparently, the payoff funds were applied to the new vehicle, instead of the old vehicle. I have no idea if the Hyundai dealer or the XXXX XXXX XXXX made the error. I began making payments on the new car and, still today, make my monthly payment on time. 

My credit score took a major hit as 3 payments on the old car erroneously appeared as past due. After much legwork, that I was required to do between the dealer and the finance company ( they would n't do any research, saying it was my problem to resolve ) the finance company agreed that the payoff funds had been received when due and they agreed to remove the late payments from my account. Several weeks later, my score returned to normal. 

Later in XXXX, one of the late payments appeared again ( on the old account ) and I filed a dispute with XXXX. A few weeks later I received a notice stating that the information was correct ... .and I then noticed that all 3 late payments were on the XXXX report. 

After many phone calls, I was finality able to convince XXXX XXXX that the late payments should be removed again, and I assumed this finally solved the problem. 

In the spring of XXXX, I received another notice ( from XXXX XXXX ) that my score had dropped. All 3 late payments were again on my report. Removing the errors took even more phone calls, as I was repeatedly told the data was correct and that XXXX was to blame. I finally reached a reasonable person at XXXX XXXX who saw the full history and actually apologized. I appreciated her help, but stated that I was very concerned with the apparent lack of controls that would prevent this problem from happening again. Knowing that if they did n't correct the source data in their system ( s ), a repeat posting of this data was certainly possible. Unfortunately all this lady could do was correct the data already sent to XXXX. 

Today,XX/XX/XXXX I received yet another notice that three XXXX payments were now showing as late ... ... ... 

XXXX XXXX is n't open in the evening ... but I will call them again in the morning.
Product: Credit card

The Barclays credit card nr ending XXXX never was in my possession
Product: Credit reporting, credit repair services, or other personal consumer reports

I've wrote several times about the accounts that are listed on my credit report but I am not getting any where. I am a identity theft victim my personal and financial information was stolen years ago which I've had a fraud alert placed on my report but its removed after a couple years. I did not authorized the accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Checking or savings account

I have Wells Fargo business checking account for around 5 years. It has a requirement of {$500.00} minimum balance. Wells Fargo charged me {$10.00} standard monthly fees even when the average ledger balance was {$500.00}. 
I called Wells Fargo today morning but the representative refused to waive off this {$10.00} fees.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I'm unaware of how my information was compromised. I received an alert from my credit monitoring subscription on XX/XX/2023. That a fraudulent account listed as ( XXXX XXXX XXXXXXXX XXXX ) was opened on XX/XX/2023 along with other credit applications were being submitted without my consent or knowledge. Steps I've taken so far are filing a police report and an FTC report which I've included along with reaching out to the companies in question.
Product: Debt collection

I don't even know who spring oak are. I never applied for credit with this company. Proof of my signature applying for credit, and information about this, has never been received. They said paperwork has been sent out, but never received. Once received will be taking to police, so I can file identity theft.
Product: Credit reporting or other personal consumer reports

All my inclosed inquiries are in error and they were not Authorized and I want helped them removed from my credit report from XXXX  and XXXX.
Product: Credit card

I opened a savings account at Capital One and they informed me that a credit card was opened under my social security number and my name slightly misspelled. I have never opened a credit card before.
Product: Money transfer, virtual currency, or money service

acct hacked and my whole balance transferred and bank acct closed due to fraud
Product: Checking or savings account

I was scammed out of thousands of dollars by a cryptocurrency trader or some kind XXXX expert. I was told that if I invested {$1000.00}, I will make {$10000.00}, which I did, but I needed to pay an upgrade fee of {$3600.00}. I finished paying it off, but I was told that I had to pay {$1900.00}, because I failed to pay the upgrade fee on time ( {$3600.00} ). I informed her that I wouldnt be able to pay the {$1900.00} and I asked for refunds, but she refused to do so and she repeatedly told me I cant get refunds. I informed my bank, fifth third bank, about the situation and they issued a provisional credit of the total I gave away ( {$4600.00} ) on XX/XX/XXXX. Its been a month and they are now asking for the funds to be returned. I was told that I would receive a resolution of the case on XX/XX/XXXX, but I never got any calls, emails, or texts about the status of the case. I assumed that since I received the provisional credit, that was it.
Product: Mortgage

Hello I sold my property located at XXXX XXXX XXXX XXXX NY XXXX back on XX/XX/2022. Weeks Prior to closing I had contacted PennyMac to advise them that I was selling the home and not to pay the school taxes due at the end of XXXX because the new homeowner would be paying them at closing. 
Penny Mac however didnt listen and proceeded with paying the school taxes. I have been trying to work with PennyMac now for over a month to get my money back for the taxes that they paid. I confirmed with the school tax office that they sent the check back over a month ago. Penny mac blames it on XXXX, who handles their taxes however this is Penny Macs 3rd party vendor, however they hired them to do this function so its ultimately on Penny Mac to better manage that relationship and figure out what is going on. 
Where I moved to was hit directly by Hurricane Ian and therefore I am in a disaster area. We really need our money thats due to us for repairs to our home. 
Thank you for your help in resolving this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the Credit Bureaus. I submitted a complaint to the Credit Bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA the Credit Bureaus, they are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the Credit Bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the Credit Bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations.