23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with the Credit Bureau XXXX, XXXX and Transunion. There is a collection company called XXXX XXXX XXXX XXXX that was moved off my credit report last year with the same account and same balances that the company did not provide or have validation for. They were trying to collect on an account that was suppose to be sent to Medicaid because I am XXXX and receive medicaid. This company was removed last year and it is illegal for the credit bureaus to put this back on my report. I don't know if it's a miss up due to the XXXX breech, but this needs to be investigated and removed. Or I will seek legal counsel.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

This account was not opened in XX/XX/year>. This if fraudulent information on my credit and should be deleted.
Product: Student loan

Navient, after already having issues with them, continued to call and harass me about the Navient student loan. They called and left messages on my cell phone 3-5x a day for several months. They also add on unnecessary fees and refuse to defer or adjust the loan as necessary due to inability to repay. They said they couldnt do anything for me. With {$1500.00} per call that is against the fair debt collection act, this should nullify the loan to be marked as paid in full. I have proof of the voicemails and illegal calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX 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 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 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: Debt collection

CREDIT SERVICE CO has placed an account on my consumer credit report in the amount of {$790.00}. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor, this company is furnishing unauthorized and inaccurate information on my consumer credit report and that would be resulting in identity theft.
Product: Debt collection

I was called XX/XX/2019 from an attorney that if I wanted him to represent me because I was being sued which I didnt know about and I had to appear in court XX/XX/2019 at XXXX XXXX. I told him I wasnt aware of the court provided me with the name and number of the company that was suing me. I called them and this lady XXXX was really rude yelling at me she wanted me to pay almost 900 upfront so they wouldnt take no legal actions I said I dont have the money right now so she put me on hold supposedly talked to her manager in less than a minute and told me if u could pay XXXX every two weeks for three months and my debt would end I asked her what was the total she didnt answer me asked her if I could have a paper of the amount no so what can I do now? I did get scared so I paid XXXX  dollars today can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In ac

cordance 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. 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am a natural person and a consumer filing this complaint. DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME. THIS IS MY SECOND ATTEMPT
Product: Vehicle loan or lease

my complainant is against Experian and XXXX XXXX. I went to buy a car and going off my credit on Experian saying it's in the upper 600 and thinking my credit was good only to be denied because it was really low and now its going on my credit report and lowering it even more. Between Experian and XXXX XXXX it's false advertisement. It's going to really hurt my credit now and here i been trying to work hard on bringing up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

***2nd Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX -or- Experian XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX To my knowledge and records XXXX the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

( Also See Identification Below ) ( Please see attached dispute letter to view the accounts that I am disputing ) ( Please see attached fraud affidavit )
Product: Debt collection

On XX/XX/2020, XX/XX/2020, and XX/XX/2020 I submitted letters to Experian and XXXX XXXX requesting to verify the auto debt that is falsely reporting on my credit report. I also demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF  COLLATERAL. 
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL They are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. In which none of this has been received and they have failed to comply after multiple attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago I sent a late payment dispute to all three credit reporting agencies, and I have to get receive a response of the INVESTIGATED REPORT. My report was updated as accurate without providing to me any proof. I was never notified in orally, in writing, or electronically of such claims. There is no such thing as a late payment pursuant to the TILA under 15USC 1666b. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 15 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 View full complaint
Product: Checking or savings account

I am writing to bring to your attention a series of unauthorized actions by Bank of America that have caused significant financial distress and raised serious concerns about their business practices. 

Over the past 5-6 months, Bank of America has been transferring funds from my accounts to other Bank of America accounts without my authorization. Additionally, they have been charging excessive fees, even though I never enrolled in overdraft protection. Transactions that should have been declined due to insufficient funds were instead approved, resulting in repeated {$10.00} fees per transaction. 

What is most alarming is that they recently transferred funds from my business checking account to pay off a personal credit card without my consent. This unauthorized action forced my business account into a negative balance, jeopardizing my ability to meet tax obligations and potentially exposing me to IRS scrutiny for using business funds to cover personal debtssomething I have never authorized or intended. 

I contacted Bank of Americas customer service via their website chat, and their representative suggested it might be fraud before abruptly closing the conversation. I have saved the transcript of this chat. While I would be deeply concerned if this were an isolated incident, these unauthorized transfers have been recurring for months, compounding my financial difficulties and eroding my trust in their institution. 

In XXXX, I raised concerns about my financial situation due to slower business operations, but I have consistently made my payments, albeit sometimes late. Despite this, last week, Bank of America transferred funds from my business checking account to pay a business credit card without my authorization. When I questioned this, they explained it was a legal offset included in their terms and conditions. While I was upset, I chose not to contest it further because the funds were used for business purposes. 

However, transferring business funds to cover a personal credit card is an entirely different matter. This action has left my business account depleted, forced me to incur additional fees, and placed me in an untenable financial position. 

I have retained a chat transcript, account statements, and a recorded call with Bank of America that document these issues. I am seeking your assistance in resolving this matter and holding Bank of America accountable for their unauthorized actions and excessive fees. 

Thank you for your time and support. Please let me know if you require any additional information or documentation.
Product: Checking or savings account

Chase Bank is the worst!!!! 
An agent named XXXX deactivated my account by mistake today when I called to ask if my new debit card had been sent. she apologized for the mistake and put me on hold so she could get her manager to fix her mistake. 3hrs on the phone and 7 different " supervisors '' later. They told me they could not reactivate my account. It will take 3-5 days to resolve the issue but even then that account is no longer available. I will have to get a whole new account. So as of now I have no access to my account and no way to get any money out of my account. I'm sorry but what kind of company has an employee make a mistake and they are not able to fix it causing the customer a mountain of financial issues. I'm getting a new bank. I've never had a bank treat me with such a callous mentality.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX Balance Owed : {$30000.00}
Product: Credit reporting or other personal consumer reports

Inaccurate information is reporting on both my Transunion and Experian consumer report. An account from the same company showing two different amounts. I requested this information be investigated and deleted from my consumer report numerous times. Neither company has responded or completed the investigation. Transunion recently sent me a copy of my consumer report, but that has been the only communication I have received. Sending a copy of my consumer report did not address the discrepancy. I have not received any communication from Experian regarding the inaccurate derogatory account.

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

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are NOT reporting accurately 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 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

Late payment was listed on my credit report which is an invasion of privacy. NAVY Federal for Car payment which was paid is listed as Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have documentation to back up my complaints as outlined below : My auto insurance rate increased and was based on a credit score from Lexis Nexis. The insurance policy provided a website of XXXX to obtain the LexisNexis credit report per my legal rights. I went to the website on XX/XX/XXXX and requested the report using their online form. ( I have a time stamped screenshot showing that my request was received ) I received a letter in the mail from LexisNexis on XX/XX/XXXX. The letter was dated XX/XX/XXXX, but not postmarked until XX/XX/XXXX. The letter stated that they could not verify my identity based on the online form, and in addition to the letter, there was a form to complete with the additional information they required to obtain the report. The form was to be accompanied with a picture of my id which could serve as both proof of id and proof of address, and the letter stated that this form could be emailed to XXXX or mailed to the address provided, but it came with no postage paid envelope. 

I opted to email the information to the email address on the form, so I completed the form and scanned it to the email address listed above along with a copy of my id on XX/XX/XXXX. Response from LexisNexis on XX/XX/XXXX was to provide my mailing address despite this appearing on my id and on the form I emailed on the 15th. I responded on XX/XX/XXXX with my address. They responded on XX/XX/XXXX by requesting my id. On XX/XX/XXXX I responded that I had already sent them my ID on the 15th and they replied that I should send it again to the email address of XXXX with the subject heading of my consumer ID ( which they provided ). 

I sent a copy of my id to that email address on XX/XX/XXXX, and got an automated reply that my email was received. On XX/XX/XXXX I emailed again requesting information and told them I would be filing a complaint. There was no response from them on this. I replied today, XX/XX/XXXX by again sending the request form, my id and a property tax bill since they indicated that an ID was not enough to prove mailing address despite an alternate message in the original letter they mailed to me, and I have not received a response yet. It is now 14 days since my initial request for my personal information. The last four of my social are XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's to my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate please. 

Account - XXXX XXXX Account Number : XXXX
Product: Debt collection

I received a letter from XXXX XXXX on XX/XX/2018 stating that the firm was retained by the above referenced creditor and no attorney has evaluated my file, the validity of the account, or personally reviewed the circumstances of my account and as such is acting solely as a debt collector and not in any legal capacity in sending this letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the last date active is inaccurate and the last date reported is not accurate. This is grounds 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more than XXXX  days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account to be removed from your credit report In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX, Account Auto Loan, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am currently looking at my credit score on XX/XX/XXXX and notice a few things still have not been removed as I was told they would be. Derogatory marks reported on XX/XX/XXXX would removed completely off my credit file and it is currently still showing. Any responsibility I had with them was validated. On Hard Inquiry It still shows from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. ( This was fraud and was never authorized by me ) I have contacted the company multiple times to show me proof type of proof that I personally signed up or did business with there bank. They kept saying they would get back to me and now it's been well over 60 days which to my understanding of the fair credit act means it should come off since they have not provided any proof on this?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.