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

TIME OUT!!! WAIT A MINUTE!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company NCB is using a stall tactic claiming that I am using a XXXX party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a 3rd party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should NCB refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Product: Credit reporting or other personal consumer reports

I have disputed unauthorized fraudulent inquiries with Equifax in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax has responded by saying documentation wasn't clear, they didnt receive dispute, and that inquiries cant be listed in the personal statement section of the Federal Trade Commission Identity Theft Report ( which is misleading an a lie ).

I have sent disputes by mail, filed FTC Identity Theft Report, and have called Equifax and talked to their Consumer Relations department. Equifax has purposely been misleading and noncompliant.

Also the Federal Trade Commission form specially stated when it comes to listing inquiries on the report " If you have more than three inquiries, list the other inquiries in the Personal Statement section ''.

Equifax has repeatedly lied to me stating that inquiries can not be listed in the Personal Statement section which I now know is misleading and a lie.
Product: Debt collection

Amount Owed : XXXX {$3100.00} Date Opened : XX/XX/XXXX On XX/XX/XXXX, I submitted request for validation of debt and validation of the alleged contract which the debt collector supposedly owed which stated that I validated. 

The debt collector has provided a response stating that they provided the original contract but have yet provided the supporting evidence of the validation of debt and the validation of the requested evidence to show that the contract is indeed lawful. 

Today I provided them to provide again the validation of the debt and legally of the alleged contract.
Product: Credit reporting or other personal consumer reports

XXXX CHASE credit card {$16000.00} PNC XXXX card {$7600.00} XXXX XXXX {$3700.00} These are all debts to which I was an authorized user for my job. These are all debt belonging to my ex employer XXXX XXXX XXXX I was told as per my contract states that once I no longer worked for him. I would be removed as an authorized user on all of his accounts, none of these purchases were for me, or for anything to do with me 100 %. Everything was for my employer. It simply made it easier for him for me to do my job as his personal assistant. 
I went through a terrible divorce. My XXXX  destroyed the decent credit that I did have and Ive been trying to build it back up for XXXX years with on-time payments to my XXXX loan an early payoff on an XXXX  loan small cards that I keep my balances very low and the major XXXX on XXXX credit are these things that dont even belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX different credit scores XXXX XXXX, XXXX XXXX XXXX XXXX and euifax credit score after complaint was made ( XXXX ) and credit report shows miss payments for nys child support. I have not missed payment over the last three years.
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 Account # : XXXX XXXX XXXX ( XX/XX/2020 ) Account # : XXXX XXXX XXXX ( XX/XX/2020 ) Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX has violated my rights as follows 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 which I have NOT provided. 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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX a XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity systems are still not working for consumers. I still can not log in and I still cant get through on the phones with the numbers placed on the back of the cards. 
I also asked comenity previously to not call my phone and that they may only communicate through email or mail. I received another call from them today. Of course no voicemail, I had to XXXX the phone number or it pops up as a spam number. It rang on my phone, then they hung up and didnt leave a voicemail. I am also hearing impaired and with their sites not working I can not send secured messages at this point and this does not meet any XXXX Criteria that would meet my needs. 
I was told back in XXXX that I would not be facing ANY late fees or late reporting because their systems were down. And obviously still are. If I could make the payments like they wanted I would, but how can payments be made if nothing works?! There are so many of us who are still fighting with comenity and we just get slapped in the face. 
They have reported me as late all the way back to XXXX and Im not happy. I still cant access my accounts so I cant even see if there are late fees tacked back on. My email to their specialty team that was provided by their legal team has gone ignored.

Every single one of my accounts has been reported late and its completely uncalled for when they are the issue. Any further action against me will be sent to any necessary entity until this is properly fixed. The actions taken by comenity has adversely affected my life and has halted everything. I have been negatively affected by their decisions and the fact that they have made it impossible for myself and many consumers to make payments. The XXXX  has even noted that comenity has ongoing issues. Please look further into this CFPB.
Product: Credit reporting or other personal consumer reports

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this company has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. US DEPT ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$9300.00} The below item is being reported as an outstanding debt on my credit report. the original debtor has requested that the credit agency remove the negative mark from my report as this debt was settled with them about 9 months ago. 
I disputed this item through the website and after 93 days i still have not received an update on the investigation. when i called the credit agency for an update, they stated that a " glitch '' in the system caused my dispute to get sent to the wrong creditor. a week after and 100 days after i submitted my request for an investigation, my report started reflecting : Dispute resolved and i was sent a letter stating that the item was reporting correctly. 
the credit agency took over 100 days to investigate my issue no communication or updates were sent to me regarding my dispute for 93 days XXXX XXXX XXXX {$9300.00}
Product: Credit reporting or other personal consumer reports

To write a dispute based I am writing to formally dispute the actions of failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, concerning civil liability for negligence.

Under 15 U.S.C. 1681o, a party is required to ensure the accuracy and integrity of the information it reports to credit reporting agencies. This failure has resulted in the following harm : I've suffered, such as incorrect credit reporting, denial of additional student aid, terrible marks on my credit score.

As per the provisions of FCRA, I am requesting that [ insert name of company ] immediately rectify this issue and provide proper documentation regarding the resolution of my dispute. Failure to comply with the FCRA is a violation of my rights, and I am entitled to seek civil damages for any negligent violations.

I request the following actions : 1. Correction of information, a detailed explanation of the dispute resolution process, etc 2. If applicable, include any supporting documents that you are sending.

Please treat this matter with the urgency it deserves. If this dispute is not resolved within 30 days, I will be forced to consider additional legal options to address the violation, including seeking damages for any harm caused by this negligence. 

I expect to receive confirmation of this dispute and the steps you intend to take to resolve this issue within 30 days. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

Wells Fargo Auto has DISCRIMINATED against myself with an adverse action. Credit is the right granted to me under law 15 USC 1602 which Congress has set into place to protect the consumer. 15 USC 1681a, 12 CFR 1002.7 denial is an adverse action under congresses definition not mine. Congress not myself explanation of ACTIVITIES CONSTITUTING DISCRIMINATION says it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. 15 USC 1691 the law is clear on this and Congress placed these laws to protect the consumer from Discrimination and unfair banking practices. Wells Fargo Auto has continued to be willfully negligent and noncompliant on this matter. Corporation policies do not supersede law which Wells Fargo continues to violate. This could lead to criminal liability and civil liability if Wells Fargo Auto chooses not to rectify this matter which is in the best interest of Wells Fargo Auto. I being the card holder as defined by 15 USC 1602 have received no benefit from this matter which under 15 USC 1602 ( p ) you have unauthorized use of this card.
Product: Payday loan, title loan, or personal loan

On the morning of XXXX, I applied for an online loan from upstart loans. I was told I had been approved for a loan in the amount of XXXX XXXX dollars, but I would have to buy a XXXX XXXX card to send them XXXX dollars for the first payment in XXXX, and my next payment would not be due until XXXX. I looked them up online, and they seemed to have good reviews, so i sent them XXXX dollars. I was told by the agent, XXXX XXXX ( XXXX ) that the company went through XXXX  XXXX XXXX and they would deposit the funds into my account in 15 minutes.I waited for about four hours, and called her back. she told me that XXXX  XXXX XXXX needed me to send them XXXX more dollars that would be refunded back to me once the loan went into my account. I explained that If I had XXXX XXXX more, I would not have applied for a loan in the first place, and since this was not explained to me, I would just like to cancel my loan request. She apologized for not explaining that part to me, and said my XXXX would be refunded to my account. This morning I called several times and finally was connected with a XXXX XXXX. He proceeded to tell me he apologized for me not being told about the XXXX dollars, but they needed me to send the XXXX XXXX and XXXX XXXX XXXX would tranfer the funds into my account. I explained that I did not have XXXX XXXX and I would appreciate if he would reimburse my XXXX dollars. He went on to say that upper management would not allow that because they had already contacted XXXX XXXX XXXX and the process was already in play. He went on to apologize for the lack of explaining that I would have to come up with more money to get their loan. He said that he had tried to pay XXXX  XXXX XXXX the XXXX XXXX, but that for security reasons, I had to come up with the money. we went back and forth on the issue of my refund they promised to put back into my account. I finally told him that I would look into this further and hung up. I then called XXXX XXXX XXXX. I talked to the fraud department who looked up XXXX XXXX and told me that they were competitors, and didn't work with this company. So I decided to write this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is listing an inaccurate DOB on my credit file. I logged into their system in order to dispute it, and they do not allow customers to dispute this information. Otherwise, I would dispute it and would upload a copy of my birth certificate or my driver 's license.
Product: Credit card

Care credit/syncrony bank credit card was activated on XX/XX/year>. When my wife signed up for the card she did not see a box on the application that was already pre checked for this additional credit card security fee. The fee is {$1.00} per {$100.00} on the credit card. It does not charge your bank account and the fee is billed back directly to the card so that incurs interest as well. Since i dont get a paper bill i never even seen this fee and it is currently been charging {$60.00} a month. I have found the phone number and cancelled the fee and the credit card company will not refund these fees that i never agreed to.
Product: Credit reporting or other personal consumer reports

A Charge off are considered a certificate of indebtedness, and it is considered income. INCOME can not be reported on a credit report According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX  and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Vehicle loan or lease

I have a lease agreement with Santander consumer USA. I have to pay {$1.00} end of the lease to own the vehicle.The vehicle was repo due to non payment. When I called them they asked me to pay {$6500.00}. I sent them a XXXX XXXX for the same amount yesterday and given them the reference number of the XXXX XXXX.. They promised me that they are going to send a fax to release vehicle within XXXX. When I call them today they informed me that they ca n't release the vehicle. The vehicle is XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2015 a collection account appeared on my credit reports from RENTDEBT AUTOMATED COLLECTIONS for a supposed debt of {$480.00} to XXXX   XXXX  XXXX  XXXX XXXX. This is a case of identity theft.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DLETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED ARE LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Product: Money transfers

I did a money transfer through Western Union. They charged a fee, which I knew up front and I am OK with that, well not really ( it was 7 % ), but at least I knew up front. A month later another charge shows up on my credit card. I called my card company to report fraudulent charge. The said it was n't fraud. It was their fee. They consider any transaction with any other financial institution to be a cash advance. I thought it was just another charge, as if I was out having dinner. They then informed me that was in my terms and conditions. If I knew I was going to have to pay over {$300.00} ( that 's 12 % + ) to get {$2500.00} to my son, I would either use my ATM card, have taken the chance and sent the cash over-night via XXXX for {$40.00}, or for {$300.00} I could have flown round-trip, spent some time with my son and handed the money to him.
Product: Checking or savings account

When opening the account, I was promised {$50.00} and 4 % APY savings. After transferring over {$1000.00} into the savings account, within three days, the APY was dropped to a mere 0.25 % APY. Nowhere in the emails received on setting up the account does it say a direct deposit was required for the 4 % APY. However, I received a direct deposit of over {$400.00}, but still, the APY was not reverted to 4 % nor did I receive the {$50.00} bonus payment. I contacted their customer support who continually treated me disrespectfully, and refused to listen to what I was trying to tell him. The entire thing seems like a scam, bait and switch advertising, but I can promise I will end up taking my business elsewhere as soon as I receive what I was promised.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding false information that has been reported on my credit report by one or more of the credit bureaus. The false information that has been reported has significantly impacted my credit score and has caused me financial harm.

Specifically, I have identified false information on my credit report that has resulted from identity theft. From my understanding of the law, credit reporting agencies are required to block the reporting of any information that results from an alleged identity theft, except as otherwise provided in the law. However, despite my repeated attempts to dispute and correct this information with the credit bureaus, they have failed to do so. 

I have followed all proper procedures to dispute and correct the information, but the credit bureaus have been unresponsive and have not taken any action to correct the false information on my credit report. As a result, I have suffered significant harm to my credit score, which has impacted my ability to obtain credit, housing, and employment opportunities.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$400.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX 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

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.