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

I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) XXXX, violated my federally protected consumer rights to privecy 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 It also states a consumer reporting agency can not furnish a account without my written instructions Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

I have a credit card with Truist. I made the payment by mail and on XX/XX/2022, they took the payment, {$4800.00}, out of my bank account. 
It is now XX/XX/2022 and the online Truist account doesn't show credit for this payment. 
I called. The clerk could find no record of this payment. She said I had to go to a branch. 
Please force them to give me credit for the money they already took and stop charging me interest on what I've already paid. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reporting a late payment last year 2021 I never was late they say they was Gon fix it and remove it but never did it's still there plz remove asap
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are ignorantly and fraudulently reporting a total of 93 hard inquiries to my consumer report that I have no knowledge of. I requested for them to verify each inquiry and remove the ones that are not validated by me. I have also complained about my breach of information on behalf of XXXX and still no response since XX/XX/year>. I as a consumer trust that my information will be reported fair and correctly and I have been let down. According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  today because this account its showing wrong informacion, I need this account tho be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and XXXX XXXX XXXX ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. Around XX/XX/XXXX of XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and XXXX/ Equifax/ XXXX continue to allow for the information to be removed and replaced back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

They call, usually robot calls leaving a message that a payment for their reference number is required at their website, www.fsapay.com, before they start litigation. There is no information for whom they are collecting or why. They call 5-7 times a day. There is no return telephone number. There is a disclaimer at the end that if you 're not the intended recipient, to hang up and delete the message.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account with Comenity/Wayfair that was opened in XX/XX/XXXX, paid off, and closed in XX/XX/XXXX. Despite the account being closed and paid for XXXX years, XXXX, Experian and XXXX continue to inaccurately report differently, showing the account as open, active with some even showing available credit. 

Under the Fair Credit Reporting Act ( FCRA ), outdated information, such as accounts that are obsolete after seven years, must be removed from credit reports. This account is well beyond the allowable reporting period, yet creditors have failed to accurately investigate and correct this issue despite my repeated efforts to dispute the inaccuracies
Product: Debt collection

Received several calls from Northland Group at XXXX ( I had to look them up on line ) as well as calls with no caller id asking when I would be at home to serve me papers. They will not disclose who they are or what debt I owe. I do not owe any debts and they say I do.
Product: Debt collection

I did a credit transaction with a loan company for a car they charged me XXXX for a down payment on the car even tho it was a credit transaction using my ss number and they charged me 0.29 % interest on the loan with was illegal and then I lost my job this year after I already paid on it all year I just came outside XX/XX/year> I came outside in the morning my car was gone and they took all my belongings and I called them multiple times to attempt to talk to someone which never happened no information was provided and I have proof of this transaction. The company in question is Santander consumer USA I would like my car back and compensation for my emotional damages I have lost my job since then because I have no way to get around and they never deducted what I paid this whole year
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to XXXX & XXXX credit agency and they have been harassing me and falsely reporting on me credit report.
Product: Debt collection

Continuous calls for a debt for someone not in household. Told no one here by that name and calls continue. Claim to be First Source Advantage. XXXX  was the caller this time.
Product: Debt collection

Was receiving text messages from them about a cable bill almost daily ... .. Sent a cease and desist letter to them.. The letter received by someone, opened and read, and was sent back to me as if it didn't make it to them.
Product: Checking or savings account

i tried to process a pending transaction they keep chargeing overdraft fees after i said no
Product: Credit reporting or other personal consumer reports

I am writing about the ongoing issue regarding the removal of fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures for disputing inaccurate information on my credit report, the items remain unresolved, causing significant distress and impacting my financial standing. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent items on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. I urge you to help me escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. Please help me remove these items immediately : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX Chapter XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX.
Product: Vehicle loan or lease

In XXXX of 2020, I bought a XXXX XXXX from XXXX and XXXX XXXX XXXX financed the vehicle I bought the vehicle late at night and was never given the contract. After I bought the vehicle I never Received A bill/statement l in the mail. I called and they told me they sent the statement to the wrong address and that I was extremely late on my first payment. I can't be late if the lender does not give me the contract or send the statement to the correct address, so since I have had the car I have been getting my credit report hit with derogatory late payments and fees that are not my fault, Car Max Financial Is In Violation of The Fair Debt Collection Practices Act and I demand the late payment be removed from my credit report and the fees I have been charged be returned to me. I have disputed this and complained and no one cares that THEY ARE VIOLATING MY RIGHTS!!!! Remove The Late Payment and give me all the fraudulent fees your company has charged me or my next step will be legal action in court against your company
Product: Credit reporting or other personal consumer reports

Denial of Credit Approval I am writing to file a formal complaint regarding Trans Union 's failure to update my consumer report with accurate information and in a timely manner. As a direct result of their inaccurate reporting, I have been denied credit approval from XXXX XXXX XXXX XXXX, which has had a significant negative impact on my financial situation. 

Trans Union has repeatedly failed to update my consumer report with accurate information. This has led to an inaccurate portrayal of my creditworthiness, resulting in the denial of credit by XXXX XXXX XXXX XXXX. 

I have made multiple attempts to contact Trans Union and address this issue, but their response has been inadequate. They have not provided a satisfactory explanation for their failure to update my consumer report accurately and on time. Their negligence has not only caused frustration and stress but has also severely affected my ability to secure credit when needed. 

The denial of credit approval from XXXX XXXX XXXX XXXX has had a detrimental impact on my financial stability and future prospects. It has hindered my ability to fulfill essential financial needs such as obtaining a mortgage or securing a car loan, which are crucial for my personal and professional growth. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate actions against Trans Union for their failure to update my consumer report accurately and in a timely manner. I also urge you to address the harm caused by their inaccurate reporting, including the denial of credit from XXXX XXXX XXXX XXXX. 

I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation and ensure fair and accurate reporting practices by Trans Union. Your assistance in resolving this matter is greatly appreciated. 

Thank you for your attention to this matter, and I look forward to a favorable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that late payments on my account be validated for XXXX XXXX account # XXXX and XXXX  account # XXXX and XXXX XXXX XXXX XXXX account XXXX XXXX this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payment from my credit file your bureau provided me. to be more specific, based on FCRA 611 ( a ) ( 7 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute. After contacting the creditor i have been led to believe that THIS did not take place. this is a clear violation of the FCRA and the FCBA. You DO UNDERSTAND that per your own definition of it, YOUR VERIFICATION process, that is, e-OSCAR, is a web-based, METRO 2 COMPLIANT, automated system. Undoubtedly this cements the DUTY to present to me writ composed physical evidence for every single one of the aspects to the proper XXXX enacted XXXX implemented Metro 2 data field formatted COMPLIANCE regulations and the standards of reporting practices as related to it. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. I demand that you take action to correct your errors I request that you provide me with written documentation of how and what means you used to verify these payments. Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Should you feel, ERRONEOUSLY so, that the mis-information is adequately and COMPLET
Product: Checking or savings account

Dear CFPB Representative, I was contacted on XX/XX/2018 at XXXX by PNC bank and informed of fraud on my debit card. The bank froze my debit card and issued a new card with a new number. The new card was issued under a different, real person 's identity ( valid name, DOB, SSN, etc. ) but linked to my account and funds. 

The error was found several weeks later on XX/XX/2018 when I went to a physical branch office and asked for confirmation of the card 's activation. PNC was unable to resolve the situation during the visit ( 2hrs ) and recommended that I remove funds from the account but leave it open. I was unable to remove funds due to pending payments from the account. During the visit my wife and I were able to see ( shared with us on screen ) and hear the other party 's personal information being exchanged including name, DOB, SSN, account numbers, and PNC identification numbers. 

I have no documentation of this event because it occurred within PNC 's host framework and no documents were printed or distributed to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORtT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that do not belong to me they are not my accounts!!!!! I have opened an FTC I have emailed, mailed and made numerous phone calls to all the bureaus and the furnishers and they keep saying we will look into this or opena dispute yet nothing is being done I need help to resolve this why are the credit bureaus reporting incorrect information!!!! 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$34000.00} XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt Account # XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX #XXXX  Not my account tried getting account removed still remain on credit report .
Product: Consumer Loan

I agreed with the finance company to make an " interest only '' payment for two months. The company is reporting that I made a late payment. I 've contact the credit bureau to have it resolved with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX about a fraudulent subscription account on my credit reports. I submitted documents of my identity and a written statement under the FCRA for a fraud block. However, XXXX XXXX refused to remove the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.