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

All three major CRAs Transunion, XXXX and XXXX unlawfully reported personal non public information without permissible purpose violating 15 U.S Code 1681 ( b ) Permissible purpose : ( 2 ) In accordance with the written instructions the consumer to whom it relates. I did not and do not consent to the reporting of this non public personal information which is a clear violation of the FCRA. Also P.L 90-321 ( 82 Stat. 146 ) that states you can only make reports without my written instructions to head of state or local child support agencies. XXXX is also violating section C of the code : Requirements relating to information contained in consumer report. ( b ) No Consumer Reporting agency may make any consumer report containing any adverse item of information other than records of convictions of crimes. XXXX, et al transaction and experiences between consumer and Credit card companies without my wriiten authorization XXXX XXXX al, used my personal, private information without my knowledge or consent, and according to 12 U.S Code section 1022.3 Identity theft is a fraud committed using the identifying information of another person without authority. Anything added to my consumer report without my written authorization is identity theft. Lastly, XXXX et al, is liable according to 15 u.s.Code 1681n- Civvil liability for willful noncompliance. ( a ) in general -any person who willfully fails to comply with any requirements under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages to less than {$100.00} and not more than {$1000.00}. ( B ) - in the case of a liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. XXXX, knowingly and willfully violated my rights and caused harm to me causing me to not be granted credit and lowering my credit limit by reporting adverse personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on multiple occasions disputed the information that is being reported on my credit file without my permission. And each and every time, they do a robot reply that its verified. As such the wrong information is still being reported and I have been hurt adversely and it is NOT FAIR. 
According to all the credit reporting rules and FRCA, CCRAA etc... ALL information MUST BE ACCURATE. But these ERRORS are being reported without my permission and as such is a VIOLATION of all these Fair Credit Acts as well as a violation of my PRIVACY.
Product: Debt collection

I received a letter from a law firm informing me that they were going to garnish my wages for a debt they say is from 2006. I have never seen this debt on any of my credit reports nor have I ever been previously notified of it. They also addressed this letter to my name and another name ( similar to mine, as an AKA, but never a name I have used or had ). Upon contacting the court that this is going through, they informed me that it is a legit case and said that they were trying to take over {$1000.00} from me. I have never had a debt that large in my lifetime.
Product: Bank account or service

Wells Fargo created a separate checkings County under my name with out my knowledge, and they charged me for opening that account. I ca n't even use the debit card attached to the account.
Product: Debt collection

This company is reporting this debt on my credit report. I have requested validation and have not received anything to physically validate that I owe this debt or the amounts since the company has reported 3 different sets of amounts. 
On XX/XX/XXXX report the company showed balance owed {$10000.00}. Upon disputing this and requesting validation the balance then changed. 
On XX/XX/XXXX report the company showed balance owed {$850.00} After disputing this again and requesting validation for a second time the amount changed and it was not notated on my credit report that this account was being disputed. 
On XX/XX/XXXX report the company updated the balance owed to {$9800.00} and again this has not been updated to as disputed nor have any documentation been sent validating this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are names and addresses on my credit report that does not belong to me. I have contacted the companies to remove these items but they have failed to do so. The phone number on my file also does not belong to me please remove these items to minimize more theft. I do not want my information to continue being compromised and sent to addresses I do not reside at. The following addresses need to be removed as well as names and number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXemove the information above from my credit report. 

The correct address is XXXX XXXX XXXX XXXX XXXX XXXX  and the correct name is XXXX XXXX will attach my FTC report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refused to correct my credit file from previously deleted information. Deleted files were removed in XXXX, XXXX, and XXXX. XXXX XXXX helped me to correct my Equifax report so the information had to be verified through Equifax as well as the company. Not only that, I called to have the security freeze removed for thirty days they refused to do so unless I gave them a XXXX. To me, I felt discriminated against because other consumers never provided this form or other forms. I sent in my social security card, proof of address, and drivers license. The documents were provided three times with the correct information. In addition, Equifax had my address for the last twenty years, and I received a report with four different addresses listed. I submitted proof of my address and this should be corrected immediately. Finally, I reported several times to Equifax that XXXX XXXX  accounts were removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX continues the systemic Institutional racist oppression, and racial inequality treatment of my personal credit profile ordering a hard credit inquiry WITHOUT my signed authorization. Either provide a signed by me ( XXXX XXXX ) application, document with my signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports!!!
Product: Student loan

Hello My name is XXXX XXXX, I filed bankruptcy in XXXX and it was discharged in XXXX of XXXX and the trustee that over saw my case included my XXXX  education student loan through aes in my bankruptcy. It shows on my discharge paperwork. I found out last year when buying a house that they were still reporting on credit report and found out they didnt accept the discharge and kept accruing interest and just placed it on a forbearance. Now they are saying it wasnt allowed in my bankruptcy and keep making me pay at a higher interest and wont even help me out. I want to know how the current open investigation affects me? My number is XXXX XXXX XXXX. 

XXXX
Product: Money transfer, virtual currency, or money service

I placed a transfer/withdrawal requested for approx XXXX ETH ( XXXX USD ) from Coinbase Pro on XX/XX/XXXX at XXXX XXXX. 

The transfer has been in a status of " Pending '' ever since and has not been executed or canceled. 

I contacted Coinbase for resolution XX/XX/XXXX via their " contact me '' page but have only been addressed by automated responses. I replied with the requested information ( including details of the transaction & screenshots ) and still have not been contacted by a customer service rep. I requested this issue be escalated but have not been contacted. 

a total of 7 emails has been exchanged and Coinbase has not attempted to resolve the issue. 

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

The specific problem is that via   XXXX   XXXX   &   XXXX   XXXX   XXXX    3.0 scoring methodology, I saw my credit score drop from  XXXX  to   XXXX    in a very short period of 2 weeks, and when I called and spoke to a   XXXX   XXXX   rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop (   XXXX   XXXX   XXXX   score   XXXX   ;   XXXX   XXXX   XXXX  7  XXXX  ;   XXXX   XXXX   XXXX   score  XXXX  ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely,   XXXX   XXXX
Product: Credit reporting 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.ACCOUNT NAME : XXXX XXXX, REPORT # XXXX ... .ACCOUNT NUMBER XXXX15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C. 1681 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 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. 1681 -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

I submitted a complaint XX/XX/2019 requesting that all disputed information be immediately deleted from my credit report. The company responded asking for another 60 days in addition to what law alloted which is a direct violation of my rights. This company has continued to violate my rights at every turn even this one. This is my last time asking them to delete all disputed Items immediately from my credit report per FCRA604 or I'm forced to file suit for ALL OF THE VIOLATIONS that have taken place and are taking place. This is my last request! The previous complaint number is XXXX
Product: Credit card

I have sent Power of Attorney and Death Certificate via fax to US Bank on XX/XX/2015 and XX/XX/2015 so that I can address fraudulent charges on the US Bank Credit card that my parents used until my mother 's death on XXXX XXXX, 2015. 

Every time I call them they transfer me around and state that they did n't get the materials. This has been going on for over 3 weeks now. 


I would like to be able to speak with the fraud department to deal with the fraudulent activity and then to close the account. 

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

I decided to get my credit pulled due to a couple of collections I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$63.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit scorXXXX XXXX ACCOUNT # XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

The debt is a XXXX bill which I do n't owe doing the time of this electric bill I was homeless living with friends and motels. I sent certified documentation to XXXX XXXX and the collection agency along with a 30 day dispute letter demanding that this be removed from my credit. 
I have been getting the run around from the collection agency ( BC Services ) with no response from either. the dispute letter was sent to both parties on XXXX XXXX, 2015. On XXXX XXXX 2015 I call BC service and was told they received my documents and the it was now in there dispute department to call back in two weeks. I did so on XXXX XXXX and was told there was no documentation showing where is living before. This is a false statement by them, records of hotel bills where sent at the same time to both parties. This is the XXXX collection agency in less then a year trying to collect and each XXXX I have sent dispute letter with no response. I feel this practice of holding on to debt for a short period time and then selling to another agency is unethical practice and should be investigated and stop.This has cause me to not get a loan from my credit union.
Product: Credit reporting or other personal consumer reports

sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Transunion, XXXX and XXXX. They ( XXXX XXXX XXXX XXXX received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX second letter tracking number : XXXX
Product: Vehicle loan or lease

this account/loan was opened up at a company without my knowledge. this loan was opened up by a a company name XXXX XXXX XXXX they forced me into a vehichle i did not want and did not want. i dont remember me signing any information they forced my name on a piece of paper and took my personal information and put it on a loan for a lemon vehichle that was unsafe to drive. i have multiple messages that saying i do not want car and had problems with vehichle it was unsafe to drive. this account it was opened up XX/XX/year> i dont remember me opening upanything around that time of the year. im hoping to get this removed of my credit its affecting my ability to get me a home for my family and get certian things done in my life. i want this fraud opened auto loan to be removed please please its not fair to me or my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hyundai Motor Finance lease end buy-out interrupted with Covid-19. I paid off vehicle in full XX/XX/XXXX. XXXX agrees and acknowledges to CFPB full payment received XX/XX/XXXX. - see attached highlighted dispute response XX/XX/XXXX. Bank statement of my payment withdrawal also attached. Repeated ignored follow up calls and emails to XXXX XXXX XXXX XXXX for them to complete title transfer after they received funds- see attached records. They wouldn't process transfer paperwork for 4+ months. A XXXX Service Rep told me the paperwork on my XX/XX/XXXX purchased vehicle was also sold to wholesaler. Rather than accepting error, XXXX continued false charge-off reporting thru XX/XX/XXXX. They have been made are aware and continue to provide incomplete and inaccurate responses to XXXX and CFPB. To date, XXXX refuses to provide me a breakdown of payments made ( including lease extension payments ) against actual amount paid at XX/XX/XXXX buyout. And why they had reported charge-offs into XXXX. For 2+ years XXXX has violated my Federal and State rights under FCRA and has made inaccurate statements to CFPB on this matter. They refuse to provide confirmation documentation of the sales price per terms of lease buyout ( extension payments should have been deducted ). Hyundai Motor finance has a serious history of consumer credit reporting violations as evidenced in the most recent XXXX XXXX penalty for widespread credit reporting failures.
Product: Credit reporting or other personal consumer reports

XXXX shows up negatively on my credit report even though my owed balance says I owe XXXX dollars. 
I have disputed this transaction many times as well as called repeatedly but I can not get a human on the phone.
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information Any other adverse item of information, other than records or convictions or 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 Account # XXXX Date Opened XXXX XXXX, 2022 High Balance {$59.00} Unpaid Balance {$59.00} Placed for collections In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXXaccount # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A .states I have rights 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/2022 On XX/XX/2022 I sent an investigation to the credit bureaus ( tracking numbers : XXXX, XXXX, XXXX ) to check every piece of information that complies with FCRA. They did not do a proper investigation in accordance 15 U.S.C 1681 section 603 ( 3 ) ( E ).

I am contacting you the second time because you claimed to have completed a reasonable investigation with the furnisher of information and ver
ified the account listed below as reporting 100 % accurate. In accordance to 15 U.S.C 1681 s-2 ( A ) ( 1 ) these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and scoring. 


Account name : XXXX XXXX  XXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from mycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( S ) XXXXofthis account as NEVER LATE frommycredit report. 

Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( S ) XXXXofthis account as NEVER LATE frommycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( XXXX ) XXXXofthis account as NEVER LATE frommycredit report.