23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

So I buy this truck and I have it a little over a month or so and the transmission goes out. I have a job to get to so I call them and say hey the truck you told me that runs great and will get me where I needed to go. Wont go can you fix it or help me fix it or borrow me a vehicle to get back and forth to work they said no. So I said well I dont want it then I put down a lot of money for a running vehicle. They laughed and said it was running. And I surrendered the vehicle about a month or so later I see that truck driving down the street so I followed it to a store and when the dude got out I said nice truck he said he bought it presently thanks. So I call PAC and said did you guys sell the truck they said no it went to a salvage yard. So I thought I might be mistaken then I called PAC again a couple days later someone else answered I acted like I was a new customer and said my friend recently bought a truck that they replaced the transmission in and he loves it now they tell me they sold him it and its a great truck and I should get to their dealership. I hang up so a few days later I called and told them they did me wrong and I feel like they should take it off my credit since they made a profit selling it for {$8000.00} they said they do t do that and told me I was burnt. So Ive been disputing them for five years now and I am sick of them keeping me down and reporting for a vehicle that I overpaid for and returned because it broke and they fixed and sold for more then what I bought it for. I mean how many times are they going to get paid on the same vehicle they lied to me said this truck would last me years and talked me into buying a lemon and are forging and fraudulently reporting a balance incorrectly and hindering me from providing myself with a better line of credit it isnt right and no one is doing anything about it but me why? When will they stop harassing me over a vehicle they got paid for from someone else and something has to happen XXXX sick of it they are relentless on making me pay for a vehicle that was garbage and I gave it back
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency.

Bankruptcy cases under XXXX XXXX must be removed after 10 years from the date of filing. 
XXXX XXXX XXXX  must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit card or prepaid card

On XX/XX/2018, my application was denied in violation of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax I am facing my identity being stolen at the moment I am asking that these accounts get removed from my report. I also see addresses that I am not familiar with that is reporting on my report. There's inquires that I didn't authorize was reporting on my report. Please Equifax I am asking that you guys remove the following fraudulent items. I truly appreciate the workers for taking the time out to help me get situated in such difficult moment.
Product: Credit reporting or other personal consumer reports

Credit bureau reporting a fraudulent account in my report. 

XXXX XXXX credit card account number XXXX The account does not belong to me and my info was stolen at time account was opened. I have filed a police report for the identity theft and attached to this complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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.

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

None is the questions in the beginning of complaint really relates to my chief complaint. My complaint is that I have a XXXX XXXX  credit card, I make all payments on time with Regions bank! My payment history are exceptional!! Well on XX/XX/2021 I made my XXXX XXXX  credit card monthly payment in the amount of {$290.00} via phone. Then on XXXX XXXX I made a double up payment to my XXXX credit card account in the amount of {$930.00}. However, since making the payment, I haven't noticed my payments made in XXXX being reported by XXXX XXXX credit card accordingly. Them not reporting my payments aren't helping my credit or my score but tearing it down and depriving me of a potential elevation in my score as well being recognized for making not only my monthly payment on time but I have made in addition to my regular monthly payment a triple payment to my account and I deserve the right to have my payments recorded in the proper time frame but routinely every 30 days.
Product: Student loan

Interest begins tomorrow and I have called Nelnet ( my loan provider ) every day this week. I have spent hours on hold until I had to hang up. I do not know how much my monthly plans will be and I am confused if there is a deadline to apply for the XXXX program.
Product: Debt collection

I received a letter from GB collects stating they were about to take unknown action against me for a debt not owed. This letter was dated XX/XX/XXXX but I did not receive it until XX/XX/XXXX. They have flagged me with owing a debt that I do not owe. This account was cancelled by the acting agent for XXXX insurance in XXXX, XXXX. XXXX insurance was the XXXX they provided and I could no longer afford their insurance. I contacted the agent and gladly cancelled the policy. XXXX XXXX has now apparently been assigned to this file for unknown reasons. The account was cancelled and I have a very threatening letter to prove this.
Product: Credit reporting or other personal consumer reports

I found a n

umber of mistakes on my credit report and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer rights. TransUnion has failed to update my personal information. On my credit report it has multiple address which I only have one address for the last XXXX  years which is ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

The address I would like to be deleted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Ive reached out to all 3 CRAs several of times on numerous occasions in regards to fraudulent accounts thats on my credit reports from the following companies XXXX XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XXXX XXXX XXXX XXXX  opened on XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX  opened on XXXX, XXXX XXXX opened on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX  XXXX Balance : {$440.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : **Formal Dispute of Inaccurate Credit Reporting** Account : XXXX XXXX XXXX  Account Number XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported on my credit report related to the above-referenced account. The information provided by XXXX  XXXX XXXX on my credit report contains several inaccuracies, which I have attached I request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of the incorrect information from my credit report. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to report only accurate and complete information. The discrepancies listed in the attached documents violate the FCRA by providing inconsistent, inaccurate, and misleading information. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute the completeness or accuracy of any item of information contained in my credit file, and the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is accurate.
Product: Checking or savings account

I provided my social security. my card number and pin. I gave Citi bank my XXXX XXXX XXXX and they told me it didn't work. I gave Citi bank identification and my phone number link to the account which they would not let me use. I've talked to multiple candidates and they are just refusing to verify me. I do not have a Citi bank branch near me and they are denying any other way to identify me. There was a mishaps with funding on my account now Citi bank is not trying to let me use any information at all. They are refusing to use my mobile number that's link for for authercation. They never sent a recovery password and every other app can verify me through my phone number. I contacted them again and way told to scan my id and face after it said approved the agent told me on the other end that it didn't. They are just lying and not trying to let me in my account nor explain what's going on with my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried speaking to Equifax about a 30 day reporting from a creditor XXXX, to get the negative removed from my credit report. 

The creditor removed the 30 day reporting ( XX/XX/2020 ), due to an error on their part ( physical address ) and loan being paid in full. I was advised from creditor by phone and in email that the reporting was removed and I should see the changes within 60 days. 

Upon speaking with XXXX  and sending information was told to contact the lending institution. I have now spoken with the manager of collections within the lending institution. He has again sent info to Equifax, to remove the negative and 30 day reporting but the negative still remains when I log into XXXX XXXX and XXXX  and shows in my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I don't want to receive any updates from the TransUnion either by letter or email regarding my XXXX XXXX  experience. I am requesting ceast of communications thru email and letters from the said Bureau.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act, I assert that the following accounts have breached my rights to privacy and confidentiality as established under 15 USC 1681 : XXXXXXXX XXXX XXXX ( account ending in XXXX ), XXXX XXXXXXXX ( accounts ending in XXXX and XXXX ), XXXX  ( account ending in XXXX  ), XXXX XXXX XXXX ( account ending in XXXX ), XXXX XXXX XXXX ( account ending in XXXX  ), XXXX XXXX ( account ending in XXXX ), and XXXX XXXX ( account ending in XXXX ). The Act, specifically 15 U.S.C. 1681 section 602 A, affirms my right to privacy. Additionally, 15 U.S.C. 1681 Section 604 A, Section 2, mandates that a consumer reporting agency can not release an account without my explicit written permission. Further, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from creating a report containing any adverse information older than seven years. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) dictates that no one should provide information about a consumer to a reporting agency if they know or suspect that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions. 
15 U.S.C 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 card

I have a credit card with paypal via synchrony bank. 
On XX/XX/XXXX i made a payment of XXXX which they never marked against my account. When i contact them they state they can see the payment, but are refusing to mark it against the balance of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last couple weeks Credit cards have been tried to be opened using my information. One with XXXX One with XXXX XXXX and one with XXXX. 

When I get the call they have all my information correct except for my email typically. 

the Problem is my credit score is dropping due to the credit inquiries.
Product: Debt collection

I recently had a death in the family. And i am only behind XXXX. Me and my wife receive between XXXX calls a day. Some times we will get them back to back.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The account inquiry does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion on multiple occasions to investigate inquiries and information on my credit that is not current or true and have been told that there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. They have failed to present me with proper documents that show their method of verification. They also failed to show me original documents bearing my signature with this account. 
This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Debt collection

I have a medical collection that was supposedly owed through service at XXXX XXXX in XXXX, NC on XXXX/XXXX/XXXX. The bill was received initially from XXXX XXXX XXXX, in the amount of {$670.00}, who I contacted to find out what the charges were for. The hospital had no record of the bill, my insurance had no record of the bill and the company provided nothing more than the date of service and the amount due despite several requests on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The bill was then sold to Optimum Outcomes IncXXXX who I have again tried to validate with on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX by both fax and mail. Again, despite my requests to validate what was owed and for what service, I was once again given only a date and an amount. I have repeatedly requested this either validated or removed from my credit reports with no assistance from the company or the bureau who just keeps stating the company validated it. I would pay this, but I can not find any proof that I owe it and the insurance has no record that I should owe it. I have tried numerous times to correct this with both companies and the bureaus with no luck. Please assist. Thank you.
Product: Checking or savings account

Around the end of XXXX, TDBank placed a debit block on my checking account, preventing me from accessing my money. This resulted in at least one failed-payment fee at another institution, which was frustrating. I called TDBank, and they said they were " demarketing '' me, and they would close my account and send me a check for the {$2100.00} I had in there.

Fine. I opened and closed a lot of accounts with them, and if they don't want my business, that's their right. But this is a checking account! A XXXX account at an FDIC-insured bank! It has been a month and a half, and my account is still frozen and I can't get my money. No check has been sent to me. It's not like I'm waiting for a check to clear or there's some fraud issue ; I should have access to my own money. 

I've talked to the people at my local branch, and they want to help me, but there's a corporate office somewhere that's understaffed and not acting on this. The branch gave me a phone number for their " demarketing '' department, and that just goes to a voicemail that nobody returns. I WANT MY MONEY BACK!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX  Account XXXX 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.
Product: Credit reporting

I paid the full balance of XXXX fraudulent credit card accounts that do not belong to me, so I can have the credit card accounts deleted from my Equifax credit report. I paid {$2800.00} to XXXX XXXX XXXX and XXXX XXXX {$1200.00}. Please review the attached bank statement for proof of payment.