23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I made my payment on time for XX/XX/XXXX and XX/XX/2016 with Toyota Motor Toyota reported to the XXXX credit bureaus that I was 60 days late XX/XX/2016 and 30 days late XX/XX/2016. I called Toyota and they said that they see that I did make my payment on time both months and that it is an error. I disputed it and Toyota is stating that they are reporting it correctly. This error dropped my credit scores over XXXX points now I am being denied credit everywhere
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we are required to eliminate any erroneous accounts from my credit report. Could you please examine the documents? There are discrepancies in the reported amounts and dates of some accounts.
Product: Credit reporting

I open a gym account and a few weeks later got in a XXXX and never went into the gym.told owner and she said she would cancel my contract since I never even went once
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2020, A COLLECTION ACCOUNT WAS REPORTED ON MY PERSONAL ACCOUNT FROM A CREDITOR I HAVE NEVER HAD.I CONTACTED TRANSUNION CONCERNING THE MATTER AND THEY HAVE DONE NOTHING TO RESOLVE THIS. THE CREDITOR REPORTING THIS IS A XXXX, XXXX XXXX  XXXX AND NEVER IN MY LIFE HAVE I BORROWED MONEY PERSONALLY FROM THIS ENTITY. IT IS BAD ENOUGH TO BE STRUGGLING FROM COVID-19 BUT TO HAVE THIS HAPPEN TO ME RIGHT NOW IN THE MIDST OF BUYING A HOME FOR MY FAMILY, TRANSUNION HAS LET ME DOWN.
Product: Credit reporting or other personal consumer reports

RE : XXXXXXXX XXXX XXXX XXXXXXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year i wrote a letter to Equifax to notify the Elaborate mechanism that they are indeed Reporting fraudulent information ( incorrect Address + Incorrect Date of Birth ) & A Fraudulent Account on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

They Responded Illegally & Claimed that they were able to verify the information and the account but Failed to render any Proof of Investigations or Any Proof at all as Per federal Law that they actually did so. I notified them Unequivocally that their actions would compel me to File a report via the CFPB. 

3 months later & they have failed to Comply with Federal law and me the consumer & is now Reporting the Exact same Fraudulent Account that i Disputed, Perpetuating the Damages of my Reputation and my Consumer Profile. 

Their Negligence to Comply with Federal law has caused me Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. Their disregard for Federal law is Repulsive and is Causing me to lose trust within the Banking System.
Product: Debt collection

I have a lot of credit/ debt fraud. One of the most recent is a debt for XXXX water utilities for over {$700.00} that I did not authorize. I have rental debt for properties I have not lived at and auto debts for cars I dont have.
Product: Debt collection

Unknown company attemp to collect without notification of debt, or debt validation from original creditor. Collected states the account was established XXXX XXXX and there is a balance.Services were never provided to accused debtor nor requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

I noticed on my credit report that Hunter Warfield started I owed XXXX XXXX. I never received a letter confirming my debt. I was evicted without a hearing after XXXX pulled my eviction on XX/XX/. I was evicted I XX/XX/XXXX  without XXXX going through proper procedures after withdrawal from eviction. This is illegal and I will add this to legal aid. Please remove from credit report. I filed my paperwork for a hearing before eviction. Since the original creditor, XXXX sold my debt to another agency they have forfeited any right to collect
Product: Credit reporting

XXXX  had a special on a  NEW  phone which was supposed to have uninterrupte d GPS Service an d a low price. This feature hardly if ever worked and always lost the signal on the phones. The GPS did not work as stated in advertising, the phones were returned to original Purchase place and account should have been closed, as this was all done within 30 days. Also the original date of this purchase and return is over 7 years and should be removed.
Product: Credit reporting or other personal consumer reports

I bought a car from Chrysler capital in XX/XX/XXXX and it was repossessed in XX/XX/XXXX. They sent me a ledger of payments and the contract and both have been altered to state my last payment was in XXXX which is 4 years later On the contract dated with XXXX XXXX states I made a initial payment XXXX. The ledger states that there was repossession fee in XX/XX/XXXX and my official last payment was made XX/XX/XXXX by XXXX card. All these other payments being reported are formulated by Chrysler fraudulently .Inconclusive payments are being recorded but none are being removed from the principal balance which means those payments are falsely being reported to keep my account in a open status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my constitutionally protected rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX 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 U.S.C. 1681 SECTON 602A STATES THAT I HAVE A RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604A SECTION 2. IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C ( A ) ( 5 ) STATES THAT NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AND OF THE FOLLOWING ITEMS OF ADVERSE INFORMATION, OTHER THAN RECORDS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681S2 ( 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 accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX DEPT OF ED/XXXX, # XXXX US DEPT .OF EDUCATIO, # XXXX DPT EDXXXX, # 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Account name XXXX Account number XXXX Account name XXXX Account name XXXX name XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they are supposed not to 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 card

I am writing to formally dispute several unauthorized transactions that appeared on my XXXX credit card statement. I am deeply concerned about the lack of adherence to the XXXX XXXX Liability policy by XXXX, the card issuer, and I request your assistance in resolving this matter promptly. 

I have identified the unauthorized transactions as follows : 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 Amount  : - {$0.00} Additionally, there is an unauthorized charge on my account from XXXX for an amount of {$120.00}. 

I want to emphasize that I did not authorize any of these transactions, and I promptly reported them to XXXXXXXX XXXX customer service. However, XXXX has failed to take appropriate action in accordance with the XXXX XXXX XXXX policy. I have attached copies of my credit card statements highlighting these unauthorized transactions, as well as the correspondence with XXXX customer service for your reference. 

As per the XXXX XXXX XXXX policy, cardholders are protected from any unauthorized transactions made on their XXXX cards. It is the responsibility of the card issuer to ensure that such charges are properly investigated and resolved in a timely manner. I kindly request that the XXXX Chargeback Department intervene in this dispute and help rectify this situation promptly. The total amount of unauthorized charges is {$200.00}. 

company told me to file a dispute which I have but they will not honor their zero liability policy and when you ask them about the policy they hang up the phone on you.
Product: Debt collection

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Account info Account number - Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/202XXXX XXXX
Product: Student loan

Ref complaint # XXXX I asked for further information as to how the interest was being allocated and have not heard back, it has been apx 4 weeks. I have continued to pay interest only for over 4 years, yet still pay more each year in interest and want to see how this is determined, where it goes and some type of balance as far as interest. I paid over 6000 in interest this year ... which is more than last. I would think each year the interest would be decreasing but it is increasing which does not make sense. I want to see where all my money is going, interest included. The forms I was given only shows principal not any interest. How much interest could I possible owe!? At this rate I could have paid for 3 homes!
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 
I feel I was negatively impacted, hurting my chances at getting credit, and a mortgage after receiving numerous responses to multiple earlier disputes that the XXXX XXXX  account was verified after originally being deleted from my credit report and then being reinserted as verified starting back from XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report.XXXX XXXX Unsecured loan with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Unsecured loan with account # XXXX XXXX XXXX Credit Card with account # XXXXXXXX XXXX XXXX XXXX Unsecured loan with account # XXXXXXXX XXXX XXXXXXXX XXXX Installment sales contract with account # XXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX Auto Loan with account # XXXX XXXX Flexible spending credit card with account # XXXX XXXX XXXX XXXX Auto Lease with account # XXXX XXXX Telecommunications/Cellular with account # XXXX XXXX Credit Card with account XXXX XXXXXXXX XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXXXXXX Credit Card with account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15chapter 41 I request that you review this information and make the necessary corrections to my credit report.Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.Thank you for your attention to this matter.
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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX : #, XXXX, XXXX XXXX XXXX XXXX  XXXX, Portfolio Recovery : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Did not give written consent to Credco to obtain my XXXX credit report on XXXX, XXXXXXXX XXXX XXXXXXXX. I did not ever apply for credit with Credco.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE ALL FRAUDULENT UNAUTHORIZED INQUIRIES AND I ALSO HAVE UNAUTHORIZED ADDRESS ON MY FILE AS WELL. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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, NJ XXXX
Product: Credit card or prepaid card

I was a happy loyal USAA member until recently. I recently had a charge on my account that I did not authorize. I called USAA, and they issued me a new card and opened a dispute. A couple of days later I got a call from a claims investigator who asked me for more information. I told him that I did not recognize the charge, and he basically told me that was going to deny the claim because I have a chip card and " that didn't make sense ''. He told me to verify with members of my house if they took my card or not, which I asked my husband and he said no. Didn't matter - USAA denied my claim because he didn't think it made sense that happened. As if that was enough of a financial burden caused by USAA ( me having to pay for a transaction I did not authorize ), I made of payment of {$8000.00} on XX/XX/2020. It cleared my checking account by the next morning, and I see the payment in my transaction history, however USAA is holding the payment for 7 days. In all the years I have been a member of USAA they have NEVER once held a payment. Thinking it was a glitch, I made another payment of {$1000.00} so that I could use my card. NOPE, USAA is holding that as well. I called on XX/XX/2020 and spoke to someone who was extremely rude telling me that USAA will hold all payments now for 7 days and that I can't use my card until XX/XX/2020. UNACCEPTABLE. When i asked her why, she told me because I was over my limit. I told her that I was waiting on funds from the sale of my house to pay, however I was never late on my payment, and I was only over {$130.00} and that is because USAA posted interest on my account BEFORE the 2 purchase I made, which caused the overage. Furthermore, if USAA was going to " select '' what they posted first, why didn't they decline my transactions? She told me it didn't matter, that both of my payments were going to be held for 7 days. I asked her to reverse the {$1000.00} payment then so I could at least have some money available to me, and she said she could not. I told her on the USAA app it says to call to cancel a pending payment ( I made the payment about an hour before I called ) and she said nope. I asked her to transfer me to someone who could. Nothing. She just said she needed to have someone call me back.
Product: Credit reporting or other personal consumer reports

I have found multiple billing discrepancies in my credit report, specifically late payments that seem incorrect. These do not align with my usual payment history. Please make the necessary corrections and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires are fraudulent and unortharized I have no clue as to why they are on my credit. Someone pretend to be me and tried to sign up for things. 

- XXXXXXXX XXXX XXXX  inquiry ; XX/XX/XXXX - XXXXXXXX XXXX XXXX inquiry ; XX/XX/XXXX - credco inquiry ; XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry ; XXXX XXXX theses inquires are on both my XXXX and XXXX