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

I have reached out to XXXX, XXXX, and experian regarding my concerns about all the information on my credit report that is inconsistent and not 100 % accurate in compliance with the fair credit reporting act. The following accounts above have inconsistencies that need to be deleted immediately. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX date of last activity is inconsistent.XXXX XXXX  XXXX. Date reported not consistent. XXXX XXXXXXXX date last active is incorrect please remove. XXXX XXXX XXXX XXXX high balance inconsistent. Remove. XXXX XXXX XXXX. XXXX. The account numbers are not consistent. XXXX XXXX date of last activity the dates are not same on all reportsXXXX XXXX XXXX  balance owed is different on all the reports. XXXX XXXX XXXXXXXX. High balance is inconsistent. XXXX XXXX XXXX high balance is different. XXXX XXXX XXXXXXXX date reported is not accurate. XXXX XXXX hight is not accurate on all reports.XXXX XXXX XXXXXXXX date reported is inconsistent. XXXX XXXX XXXX high balance is inconsistent. XXXX XXXX XXXX high balance is inconsistentXXXX XXXX XXXXXXXX XXXX XXXX last verified dates are inconsistent. XXXX self-reported XXXX date reported the dates are inconsistent. XXXX XXXX XXXX XXXX high balance is not 100 accurate. XXXX XXXX XXXX high balance is inconsistent XXXX XXXX XXXX date opened is not is wrong. XXXX XXXX last verified is inconsistent. XXXX self-reported XXXX. Account number inconsistent. XXXX self-reported XXXX the account number is inconsistent on all reports. XXXX XXXX XXXX high balance is inconsistent. XXXX XXXX XXXX account number is inconsistent. Hight balance is not accurate.XXXX XXXX XXXX XXXX reference number is incorrect and other information is not correct and contacted the court and they dont report the credit agency. I did not give permission. XXXX XXXX XXXX  closing date and other information on report is incorrect and inconsistent please delete. XXXX XXXX bankruptcy all information is inconsistent and not 100 percent accurate according to the fair credit reporting act. Please remove. 15 u.s.c 1681 section 602 a states I have the right to privacy.

15u.s.c 1681 section 604 a also states a consumer reporting agency can not furnish a account without my written consent. Please remove all inaccurate information
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, my husband ( on our behalf ) completed a remittance transfer request at our local First National Bank of PA branch in XXXX, XXXX. The transfer was from our First National Bank of PA account to our XXXX XXXX XXXX account in XXXX, XXXX. We have completed remittance transfers, including to the same bank in XXXX, with them in the past with no issues. I was listed as the beneficiary ; my husband as the sender. On XX/XX/XXXX, given that the disclosure agreement lists XX/XX/XXXX as the delivery date ( with if not sooner in parentheses ), we began asking XXXX why our transfer had not arrived -- we've never had a remittance transfer arrive more than XXXX days later. Despite a wire research initiated on XX/XX/XXXX at our request, which showed an error between XXXX of the intermediary banks, and a wire recall requested on XX/XX/XXXX, we still do not know why our funds were not delivered or where they are. We have been in constant communication with our local branch and a regional branch of FNB of PA, but we are unable to get information from the intermediary banks, our bank in XXXX is not able to locate the wire, and we are unable to speak directly with the wire room at FNB of PA. FNB of PA claims it has done all it can, but we are missing {$15000.00}. Given all this, we are asking for outside intervention to get our remittance transfer refunded and returned to our FNB of PA checking account from which it was debited on XX/XX/2023.
Product: Credit card or prepaid card

I opened a dispute on XX/XX/XXXX with Synchrony Bank for the Broken Merchandise I received from Amazon, First I tried due diligence with the merchant to have exchange the Broken/defective product I received from them, the merchant denied me to exchange or return the product I purchased no leaving me option than file a Dispute with the Credit Card Company Synchrony Bank XXXX On XX/XX/XXXX, I spoke with a supervisor name XXXX ( 7XXXX ) Pacific time, I explained him the situation on the Dispute, even I mentioned him I did sent Photos of the Broken/defective merchandise on the Bank website, However I have not received any answer from their dispute department. I reported if the Merchant wants their broken item back, they need to send me Free Shipping Level because I don't feel right to pay off my pocket for the shipment in a broken Item, I received with more than 150 Lb weight or to have the merchant exchange me its defective product. XXXX acknowledged my Inquire and promise me to resolve this issue, as the time goes this issue never got resolved because I never received any information from their dispute department stating it got resolved, instead I been receiving emails trying to collect money from that purchase. So Today I contacted Synchrony Bank again I requested to speak with a Supervisor because the Fact its been almost 2 months and not information was given by the bank in regards my dispute for the defective product I received. I spoke today with XXXX I explained her last time I spoke with XXXX another of her colleagues in regards this dispute as he promised me to have it resolved for me, but instead I received debt collections Notice by the email and nothing or not information at all About the dispute I opened on XX/XX/XXXX. XXXX advised she will reopen this dispute I asked her if she can send me an email in regards also to cease any attempt by the bank to collect any amount of money while this item its in Dispute, She said will add too in the email I will received within 24 hours, As a way to be proactive I mentioned her I would do a report with The CFPB because there is a communication Link between her Customer Service Department and its Dispute Department because the fact never I received any information in regards this dispute I opened on XX/XX/XXXX. I'm attaching the bank Statements from XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX for information. Please look XXXX and XXXX statements shows the item in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A XXXX XXXX ACCOUNT
Product: Vehicle loan or lease

Ally Financial has done everything wrong since I took out this loan in XX/XX/2022 the contract interest rate was increased they bagged gap when I put over 1/3 down they didnt change the payment date as promised so I incurred late fees and credit report lates they didnt include the registration fees for over XXXX dollars they added a additional warranty and when the fees were challenged they company refunded them to the loan but no credit to me, I have called emailed and sent certified letters no one calls back I have now hundreds of hours trying to solve issue and no one answered the phone I think they may be out of business and overseas call center is all they have left please help l the last correspondence was over a month ago saying that they received my certified letter and will look into it but still no response and I need a physical address to serve my small claims action and they refuse to provide me one
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts on my report. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 


XXXX XXXX XXXX Account number - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXAccount number - XXXX XX/XX/XXXX XXXX XXXX Account number - XXXX XX/XX/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 handwritten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 have supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX {$21000.00}, XXXX XXXX XXXX XXXX {$3300.00}, XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX  XXXX Balance {$920.00}, XXXX XXXX  XXXX XXXX {$160.00}, XXXX  Balance {$2100.00}, XXXX  Balance {$100.00}, XXXX XXXX XXXX  XXXX {$620.00}, XXXX XXXX XXXX {$370.00}, XXXX XXXX XXXX Balance {$100.00}, XXXX XXXX XXXX Balance {$660.00}, XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX {$980.00}, XXXX XXXX XXXX XXXX {$1100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX - XXXX XXXX Account Number : XXXX I listed above all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.
Product: Credit card or prepaid card

I was alerted to a fraudulent charge on my credit card issued by USAA bank I called them onXX/XX/2018 to alert them that my credit card was being used without my authorization. I have filed a dispute and had this dispute reopened after they failed to send me information through the mail which is my preferred communication method. I submitted the documentation stating that XXXX  XXXX XXXX and suites used my credit card without my authorization according to their policies. XXXX XXXX XXXX refused to reimburse my credit card and I was told that a police report was going to be filed by the manager at XXXX XXXX. This did not happen and where I unaware That a person was using my credit card to stay at the hotel. I have since reached out to USAA or than a dozen times was told someone would call me and no one has. My credit card has not beenreimbursed and the charges reversed and have been told that my dispute is not warranted. I have since submitted to refusal to pay letters which no one seems to see or acknowledge. All of the documentation I have submitted to USAA has been deleted. I want the charges for the hotel stay on XX/XX/06of 2018 he deleted from my account because I will not pay them and I want to know why my privacy and credit has been compromised due to a lack of customer service and integrity Of both USAA and XXXX XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint due to new fraud items on my report. Please note, that I'm not using any third party and I represent myself by myself, I have been a victim of identity theft and my personal information has been stollen. I got some hard inquiries on my report that I have never authorized. YOU are reporting the INQUIRIY that is the result of the fraudulent activities. Therefore, this inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. XXXX has attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it MUST BE REMOVED IMMEDIATELY. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or information within my credit file. My credit issues are very specific, this item not mine. This means that you are reporting incorrect information within my credit report. It is with this in mind that I request that this listed item be DELETED! Policy states I have included here : copy of my SSN, ID, proof of address and FTC REPORT. I HAVE INCLUDED IN THIS PACKAGE : copy of FTC REPORT, COPY OF my DL, SSN, proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to repair this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need the following accounts to be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted XXXX XXXX XXXX XXXX in XX/XX/XXXX to discuss a balance of {$53.00} showing on my credit profile. After sometime the agent told me that they could not locate my account information, I asked the agent why are they reporting to the credit bureaus about an account they have no record of existing? The agent advised me that they would stop immediately reporting and that the account would be removed from reporting status. 

I fast forward to today XX/XX/XXXX and I while reviewing my creditwise I see XXXX XXXX XXXX XXXX Charge Off in the amount of {$53.00}. They have attempted to collect on a debt that they have no record ever existed and they also have lied by stating they would not report a ghost debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies has violated my rights. XXXX Account number 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, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to complete an investigation into my dispute within the XXXX timeframe required by the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 

I submitted a dispute regarding XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and XXXX XXXX XXXX Account Number : XXXX, requesting verification or deletion of incorrect information from my credit report. Under FCRA guidelines, the credit bureaus are legally required to complete their investigation within 30 days ( or 45 days if additional information was provided ). 

As of XX/XX/year>, more than 30 days have passed, and I have not received any response, resolution, or notification regarding the outcome of my dispute. This failure to act is a direct violation of FCRA 611 and has caused harm by prolonging the reporting of inaccurate information on my credit file.
Product: Credit card or prepaid card

I received a credit card from XXXX XXXX in 2019. I have made only 1 purchase. Several months ago I began receiving a bill for some magazines they claim I ordered. I began calling them to dispute the charges. Every month my bill grows and show late fees and nonpayment, which is adversely effecting my good credit scores. I was even told to contact the magazine company, which I did. 1 month the charges were removed only to be replaced the following month showing further late fees. The bills started around {$40.00} and now is {$160.00} on the XXXX bill. No one has resolved the matter nor do they seem interested in helping me. They also go under the name Comenity Bank and Comenity- Stage