23daVinci/CFPB_Complaints huggingface dataset:
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 has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX, TX XXXX XX/XX/2022 Dear Trans Union, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or correct the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX account # XXXX account in accordance with the Fair Creat Reporting act. The List of accounts below has vitans my recerany protected consumer rights to privacy and confidentiality under 15 USC 1681,, 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 USC 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. 16815-2 ( AX1 ) 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: Money transfer, virtual currency, or money service

Taking ages to verify mine and my girlfriends account when its needed ASAP to clear some funds from there XXXX XXXXXXXX company. Awful customer service. Literally way too long before communications
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I recently sent Late payment removal letters and Charge Off Removal Letters to Experian, XXXX, XXXX and the creditors requesting to remove late payments and Charge offs off of my consumer report. I sent out the Late Payment removal letters to the consumer reporting agencies and they have all came back as Return To Sender and undeliverable. The Charge Off Letter requesting a 1099c for my tax return to the credits also came as Return To Sender. I sent out a letter to the consumer reporting agencies Experian, XXXX and XXXX letting them know that they are furnishing inaccurate information on my consumer report and that they had 5 business days to respond. They have failed to do so. 

I sent out the Late Payment Letters on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Doesn't show amount Charged Off- XXXX XXXX Im asking consumer reporting agencies to please have the late payments deleted from my consumer report because I sent out the letters and they came back as Return to sender and Undeliverable. Also asking for the Charge Offs to be deleted off of my consumer report. I requested a 1099c to file on my tax return and the letters came back as Return to Sender. I sent out letters to the consumer reporting agenices notifying them that they are furnishing inaccurate information on my consumer report and that they have 5 business days to respond. They have failed to do so. These accounts are Unverifiable. I have Attached copies of the Return to sender Cards .Thank you!
Product: Vehicle loan or lease

I am writing today in regards to my Ford Account XXXX. I had previously sent in a request cfpb case # XXXX to which I got a response saying that they will make the information not available in the months of XX/XX/2020 and XX/XX/2020. It has been over three months and they have not followed through on this. It is still showing the late pays in XX/XX/2020 and XX/XX/2020.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX New inquiries : XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

I opened a checking account with their promotion product on XX/XX/XXXX XXXX. 
I sent the W9 form to the address they told me on the phone. 
It was in XXXX XXXX office. By chance when I called on XX/XX/XXXX to check when I'll received the {$300.00} promotion award money. The customer service lady said I haven't submitted the W9. I explained I have the receipt of the certified mail to the XXXX XXXX office where I was directed. They send me the W9 to send it out again but no information of the address where I need to mail it even though I told to give it to me together with the form. 
I called back on XX/XX/XXXX to complain to the manager. Her name was XXXX. She was extremely rude to take 5 min. to give me the address and interception of line was awful, I was not able to hear correctly and middle of the her instruction she hang up. 
Even though I requested to send it to me in a mail. She didn't answer to it. 
I got only XXXX. XXXX XXXX in SD. City name was unclear. I asked is there that address in website I can look at it. She hang up after that without clear message what she is going to. 
The address looks like same as in my account statement so I'm going to mail it there. 

Anyway this is the second time I apply the complaints over the Citi bank. 
I strongly feel that this bank has very low customer relationships.
Product: Credit reporting

For the XXXX time in three years credit reporting agencies have fraudulently reported information on my credit report that is inaccurate or erroneous. The first occurrence was in XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) who inverted XXXX digits of my SS # and added the persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by XXXXIn XX/XX/XXXX TransUnion made the identical error by inverting XXXX digits of my SS # and added the same persons information and name associated with the incorrect SS # to my credit report as an AKA. It is apparent that no fact checking was attempted by TransUnionMy Complaint is against the credit reporting agency TransUnion for negligence on their part with not confirming the information they report is factual. Transunion 's negligence resulted in my credit score declining by over XXXX points and a credit card account being closed for poor credit. This cost me personally and professionally by having to spend to date XXXX hours to dispute and attempt to correct and have this this avoidable and erroneous information removed from my credit report. This matter is still not completely resolved with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX are reporting that I was late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which is incorrect. On XX/XX/XXXX, a payment was made in the amount of {$1600.00}, confirmation # XXXX, which satisfied XXXX and XXXX statements. The due date is the XXXX of every month, which the XXXX payment 6 days early and XXXX payment was only 25 days late, not 30 days as it is being reported. 

On XXXX, a {$870.00} payment was made and XX/XX/XXXX there was a {$880.00} payment posted. The due dates on both payments were on the XXXX of the month, which also confirms these payments were made on time. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus Equifax, XXXX, and XXXX. The following documentation is provided from the original creditor of the payment and therefore Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information. 

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX XXXX XXXXXXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Planet home lending is reporting a late in XX/XX/2022, but this account has been paid off now sure why they would report this account as negative this month. I tried disputing this but nothing has been fixed. It took a hard hit on my credit score. According the the FCRA it is a violation to report inaccurate information and could be fined up to {$1000.00}. Could you please investigation for me? Thank you!
Product: Credit card or prepaid card

on XX/XX/2022 i received an electronic letter stating my credit limit of {$2000.00} was being reduced to {$1200.00} - i immediately called to speak with someone as this will be taking a major toll on my credit score affecting me in so many different ways. I have worked hard everyday on my credit so any minor change affects me in many ways. 

XXXX XXXX-is reducing my credit line by {$800.00} this will in return cause my credit utilization to drop drastically causing my credit score to crash which will in return leave me struggling for months to fix. 

I called customer support for assistance and instead was insulted and kept being told if i seen the letter sent then there was nothing they could talk to me about at that point. The gentleman on the other line even hung up on me when i asked to stay on the line and be transferred to someone else. 

I don't understand why Synchrony Bank is causing this inseparable damage to my livelihood as a single dad i moved my children to our new place and began working on putting our life back together decided to finance furniture and pay it off with the promise of no interest charge for a year, if i would have known they would pull the rug under from under me on the offered credit line i would have never financed thru them and would have paid in cash. In addition i enrolled for AUTO PAY since the start of my financing with Synchrony bank and was told that my account was never enrolled and all i have been paying is late charges on my account this is really concerning specially because when i called in for help their automated line kept asking me if i was " disputing a late charge '' multiple times thru the process of trying to reach someone, this only shows that they get these types of calls often are are probably not processing " auto payments '' to cash in on the late charges and capitalize on those fees. 

i am requesting my credit line to be reverted back to its original amount. My credit score is even higher then when i originally opened my account with Synchrony and i monitor my credit on a daily basis so i am not sure why this is even happening.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time.Please investigate and take a look at these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan sometime in XX/XX/year> with the company Onemain Financial in XXXX, XXXX I remember during the loan signing the papers specifically verbally being asked if I wanted insurance on my loan in case of loss of job or becoming XXXX. I verbally said " yes ''. Reason I was sure I wanted this is because, to me, this was a large amount of cash and I wanted that protection. 
The unthinkable happened on XX/XX/year> happened and after XXXX  years of working for the same employer I lost my job through no fault of my own. I have a paper from my employer stating due to loss of revenue I was being terminated. 
So I call XXXX XXXX to find out more about the insurance I thought I had on my loan. I was told no I didn't have it and I would have had to check the box on my loan indicating I wanted this insurance. My mistake for not checking the box or reading what I was signing. However I believe by the loan agent verbally asking me and I verbally saying yes that it was indicated in my paperwork. And I truly believed I had purchased this insurance. 
I did make a payment today and will do my best to continue to do so. I am not asking for my debt to somehow magically disappear. I had just thought I had this little bit of security to help me out until I am able to get back on my feet
Product: Debt collection

In XX/XX/XXXX, i was relocating to From XXXX, back to XXXX.I called up XXXX XXXX  and told them i was relocating and that i don't know the address just yet. They have put my account on hold till i get my place set up. This way no new charges will accrue.Once i established my residence in XXXX, i called up XXXX  XXXX  and set up an appointment for them to come out to install my service at my new residence. When they came out, they informed me that they could not set up my service at my new residence due to no signal in my area. Apparently, there were a lot of trees and buildings interfering with the signal and had no way to install it. So i called up customer service and informed them of the situation and was told since this is the case, then they will have to let me out of my contract due to weak signal in my area. I was told i would not get an early termination fee due to this.The installation guy did confirm this.When i received my bill, i kept receiving charges for an early termination fee and kept fighting to get it corrected.Also there were charges for the satellite boxes that were returned.In XX/XX/XXXX, i called again and talked to a supervisor that finally took the charges off my bill. My bill showed i owed {$0.00}. I return all 3 boxes back to XXXX   XXXX  at the XXXX store which i enclosed a copy of the receipts for all 3 satellite boxes.I assumed everything was good because i have not received any bills since then. Now a year later,XX/XX/XXXXi received a bill from a collection agency, stating i owe this amount for XX/XX/XXXXXX/XX/XXXXservice and is threatening to put it on my credit report. This debt had been cleared from XXXX XXXX a year ago! They are trying to collect on a debt that had been cleared by XXXX XXXX. I should not have to pay for services that i never received due to no signal in my area.This is a violation of my rights under the fair credit reporting act! It is illegal for the company to sell a debt that was cleared and not owed! This is fraud! I have a receipt for the satellite box returns. If they go back to XXXX XXXX and look at the notes dated in XX/XX/XXXX, they will see that the charges were in fact taken off my account. Its not my fault they could not get service set up for me at my residence! They assured me that the charges were taken off and i owed {$0.00}. Don't they look at their notes on my account? How can they reopen an account that was cleared out after a year? This has just happened to because in the course of the year i had got no communication regarding this debt, and all of a sudden now.It seems like someone added this bill back to my account! This is not right and want to file a complaint against this company for unfair credit practices! They can not sell a debt that was cleared by the original company!
Product: Credit card

Today, XX/XX/year> I tried to cancel my XXXX XXXX credit card online and it would not let me. I called and after a long wait I got a person that doesn't speak English well and could not spell anything. She pretended to transfer me but she was always on the other line and I never heard a transfer sound. I requested a manager and she refused this at first. She then continued to pretend to transfer me for over 10 minutes. I told her that I have the right to cancel my card. I have a XXXX balance for years and I don't ever use this card.

Anyways, I hanged up unable to speak with a supervisor. I called back and I finally got a recording to enter my credit card number but then they gave me a 10 minute wait which was longer than that. There was not an option of a call back either. I am very frustrated that this company would play games and don't let me close my credit card.

Please help me close this credit card
Product: Vehicle loan or lease

THIS IS A NEW COMPLAINT NOT A DUPLICATE Cure to default did not follow Wisconsin laws 15 days wasnt allowed No itemized statement included with cure to default statement. 

Called on XX/XX/XXXX to ask for more time threatened the vehicle can be retrieved now. 

Sent an email to Brite financial no response. 

I need more time to pay and I want to know details of balance. I made a payment XX/XX/XXXX I only had a balance of XXXX.