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

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Transunion Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, transunion has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Transunion failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : XXXX o Account Number:XXXX XXXX below the inaccurate information persistently affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The 2nd repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still allowing Data Furnishing Companies to report inaccurate information on Consumers Credit Report. My name is XXXX XXXX an Experian has allowed the following Companies to report inaccurate information on my Credit Report. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX To report on my Credit Report as each Acct # is being reported closed.
Product: Credit reporting or other personal consumer reports

Okay today I woke up checked my credit score around XXXX something and noticed when I went into the FICO scores and I started looking at them and one of the things that popped out of me was you have been reported deceased and I assure to you I'm so alive I just turned XXXX XXXX XXXX and Experian could not give me an answer on why that was there and I said it's on all my credit reports Experian XXXX and XXXX the person could not give me an explanation so I informed them that we pay for identity theft up to a XXXX dollars and how could this happen that someone was able to report on my credit report is me being deceased once you pull up all three credit reports you'll be able to see that on me and my wife somebody stole her identity and they try to open up a XXXX XXXX  account to buy a vehicle we confirm that with XXXX XXXX but they denied the transaction because everything did not match after all and if you can really look into this cuz I sure to you I'm alive and well and I'm not deceased that's the reason why some of my credit reports are not updating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding accounts that were fraudulently opened in my name due to identity theft. After reviewing my credit reports from XXXX, Experian, and XXXX, I identified multiple accounts that were opened without my knowledge or consent. These accounts were listed as fraudulent, and I am requesting the CFPB 's assistance in resolving this matter. 

I have also attached my official Identity Theft Report to this dispute, which provides details regarding the theft of my personal information and is being submitted as part of my claim. 

The following accounts are the subject of my dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items seems to be an error that needs to delete : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX : {$590.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On my equifax reports there is is closed XXXX XXXX account. The account was opened XX/XX/XXXX the date the account went into default and never brought current was XX/XX/XXXX. According to the FCRA because the date of default is more than 7 years ago, should be removed and no longer had an adverse effect on a consumers ability to obtain credit. The account was also removed then reinserted on my equifax report without any prior notification before or after it reappeared on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is always problematic. There is always an issue with online freezing and unfreezing credit. XXXX   and XXXX are quick and easy. Every time we have tried to freeze the account with equifax there has been an issue and we have to call. Their online freeze has never worked. Today there site is completely unaccessible. We are trying to do an unfreeze. Equifax always gives us problems and treats us like we are subordinates when we call. My wife was in XXXX XXXX last time we tried and they allowed me to upload the power of attorney my wife had left me but told me it would take about a week to 10 days for them to be able to honor it. We weren't able to do the online freeze. They also would not allow me to connect a call with my wife to avoid the high cost of calling from XXXX XXXX. We finally got the freeze by calling after my wife got back from XXXX XXXX, but it was an arduous headache. They told us that my wife 's account had mysteriously been associated with the SSN of a dead person. HOW!?! The other 2 bureaus had the SSN correct. We answered their security questions correctly! We called the social security administration and they told us there was no such issue! Equifax goofed the SSN on their own. TODAY : their site is unavailable and we don't want to have anything to do with them anymore. We are considering freezing with just the other 2 bureaus and leaving equifax open ( IF AND WHEN WE CAN EVER REACH THEM ). We have tried for over an hour now and we get the same attached error. Every other site pulls up instantly. The other two bureaus and every other search we try. We even XXXX  and tried clicking every other equifax link in the search results. I am sure that in response to this complaint Equifax will give you scintillating tales of how they have a fabulous response time and this is strange news to them. Perhaps they will say that it was a XXXX day update. Is this compliance with the 1 hour rule? Is their God-complex what you want your friends and loved ones to be subjected to? What angers me the most is that as consumers, we have absolutely no recourse.
Product: Money transfer, virtual currency, or money service

This is a complaint on Bank of America infringing on the 2nd Amendment rights of law abiding United States citizens. I understand the company is privately owned, but would not be in existence today if it were not for those taxpaying United States citizens. Bank of America must stick to the banking business, and stop discriminating against law abiding citizens. It is not ethical for the bank to use peoples hard earned money, that makes the bank richer, then dictate to these same people that their legal business will be destroyed because of being pressured by the politics of the liberal Left.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used my credit card and the purchase of just under {$5000.00} resulted in a drop of over twenty points. This amount was then paid off during the next billing cycle, but my credit report has never been credited properly. 

This is not the first time these pseudo governmental agencies have really lagged behind in keeping the information current. They are always quick to lower the credit rating but very slow to report that the debt has been paid off.
Product: Credit card or prepaid card

Amex has been advertising monthly {$30.00} XXXX credit between XXXX and XXXX for Platinum cards. To qualify for their monthly promotional offer, I used my Platinum card to purchase gas through XXXX at XXXX. However, when I talked to them regarding the fact that I didn't get my credit for XXXX and XXXX, they told me that my XXXX spend at XXXX doesn't qualify for the offer as my purchase are considered as " Person to Person payments ''. This doesn't make any sense as I am making a purchase at XXXX rather than sending money to a person. 
Their T & C is vague on the definition of " Person to Person payments '' and my spend at XXXX should not be considered as " Person to Person payments ''
Product: Credit reporting or other personal consumer reports

I have not been able to build my credit for the past 14 years because my social has been wrong by one number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX, are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! Thanks in advance!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the Equifax credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes XXXX, Account Number : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my FICO credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance  : {$0.00} XXXX XXXX XXXX XXXX Balance  : {$0.00} XXXX XXXX Balance  : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received all my documents from the company XXXX XXXX XXXX dated XX/XX/XXXX as paid in full. I have the title and payment contract. It was reported XX/XX/XXXX that I owe on the vehicle and that is not true. If I owed anything, I wouldn't have the title to the car. It may be a flaw because on the credit report they are now under a different name or company. I need this removed from all 3 credit bureaus as soon as possible.
Product: Debt collection

Bought XXXX phones from XXXX. Their financing arm is TD XXXX Card Services. XXXX repeatedly screwed up the amounts, failing to credit us for the XXXX phone trade in; failed to credit promised {$50.00} charger ; incorrectly tallied sales tax. Little by little, after much back & forth, XXXX has made adjustments, & agreed to waive late fees ( which were caused by waiting to see their repeated promised " fixes '' which caused me a lot of work on emails & phone calls. TD is still reporting incorrectly. Every month, they attempt to fee us & claim we owe them more ; in fact, we are actually paying more cuz the {$31.00} was based on the wrong amounts to begin with! XXXX claims it will all come out in the wash ; TD just tries to extort us. I have even done the math for everyone & still they persist. 
To date, XXXX XX/XX/XXXX XXXX, we should be at {$860.00}. No more. No late charges on the books ; & the {$31.00} monthly chg is still high but is acceptable to us to pay this down. Pls have them correct, once & for all.
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 U.S.C 1681. 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 XXXXXXXX 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 ORHAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
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. XXXX XXXX : # XXXX, XXXX XXXX XXXX, has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 ). And according to 15 USC 1681 5 they are suppose 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 suppose to 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 card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, and I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have have been the victim of Identity theft. I have contacted Experian disputing fraudulent accounts and inaccurate personal information reporting to my Experian credit report. These fraudulent accounts still remain. These fraudulent accounts are detrimental and not a true reflection on my credit stewardship. I am requesting these fraudulent accounts and inaccurate personal information to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX XXXX XXXX and 2 large payments a few months apart XXXX to {$3000.00} and it showed it was delinquent and I didnt realize it would affect my monthly payment status so Im trying to have this removed from my credit port the loan was paid off early.