23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent the credit reporting agency the banks copy of the canceled checks but there still show ever payment 90 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the account is still reporting.
Product: Credit reporting or other personal consumer reports

Background : 1. Vehicle Purchase : I purchased a vehicle from XXXX on XX/XX/year>. The vehicle experienced a XXXX battery failure the very next day ( XX/XX/year>XXXX  ), and I have the receipt for the battery replacement. 


2. Warranty Issues : I submitted a request for reimbursement of {$200.00} for the defective battery, which was refused by XXXX, despite having direct warranties and protections under XXXX XXXX implied warranty laws ( XXXX XXXXXXXX XXXX XXXXXXXX ). 


3. Credit Reporting Problems : On XX/XX/year>, I discovered a charge-off on my credit report from XXXX, which resulted in a significant drop of XXXX points in my credit score. I've made multiple reports to credit bureaus, including XXXX, regarding this issue, yet XXXX continues to certify the accuracy of the charge-off. 


4. Debt Collection : The debt related to my vehicle has allegedly been sold to XXXX XXXX XXXX, but I have never seen XXXX listed on my credit report. XXXX has sent me documentation related to my XXXX loan, GAP insurance payment, and a claim of {$260.00} in pre-existing damage that wasnt covered. 


5. Consumer Rights : I believe that both XXXX and XXXX XXXX have violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by failing to correct inaccurate information on my credit report and possibly engaging in deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. XXXX XXXX XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX  ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX  and XXXX ) and not XXXX. All of this occurred around XXXX XXXX. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by LVNV Funding on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or aboutXX/XX/2020 there was an agreement with chase card service card # XXXX the agreement was if i pay XXXX that they would canceled the debt i flie a disput withall the agencie XXXX  report that there reivesigation was compeled XXXXyou find the reaslt as update and not remove from the pettition experian credit report file.. here is the fact once a cerditor cancel a debt or wrritten it off a debt. the debt is to be remove because you are not laible for the debt. when a creditor is unable to collect the debt from me they may cancel it or writer it off. which in fact that what chase card servcie did they charge the debt off.,. now you are no long liable to repay the debt, but iam still Laible for  to paying tax on that cancelled. chase card serivce can not have both way. they are going to writer the debt as a bad debt and report to the IRS. to get credit on there belance sheet at the end of the year. i would have to report that 1099-c on my persaonl income tax retrun 1040 at the end of the year.went i file. i mail XXXX  credit report agencie and all the credit agence of the agreement with a copy of check as evidence .chase cash the check. and the debt was cancel and that was for chase to remove or erase, from the credit flie because no long Liable. for the debt any more.. then XXXX  needed to remove it from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING WRONG ADDRESS. 

To Whom it May Concern : XXXX XXXX I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, DELAWARE XXXX Please update my name to : XXXX XXXX XXXX My only Social Security Number is : XXXX My only and correct date of birth is : XX/XX/2001 Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

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

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

Kindly review this complaint thoroughly, as it has been submitted with serious concern. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that are not mine. This issue is highly distressing and has been causing me significant stress and anxiety.
Product: Credit card or prepaid card

Bank of America ( the bank, hereafter, BoA ) posted and reflected {$7600.00} on my ( hereafter, customer ) account as available for use on XX/XX/XXXX, this turned out to be a fraudulent payment. On XX/XX/XXXX, a {$2400.00} cash advance was withdrawn at BoA financial center located on XXXX XXXX XXXX, XXXX, VA XXXX, this was after customer enquired and a BoA representative advised that the money was available. Of the withdrawn amount totaling {$2100.00} was sent to the fraudulent paying party via XXXX XXXX. See attached receipt. The remaining {$240.00} was also used towards fraud related purchases. On XX/XX/XXXX, BoA posted {$7600.00} as unpaid. Customer reached out to BoA reporting a fraudulent payment on the account and lodged a complaint to the bank for negligence and failure to advise. It is now apparent that the funds had not fully processed when the bank advanced cash. Customer requested BoA to credit the account of lost dollars and all fees related. Please review my account and subsequent phone calls to the bank regarding the matter. BoA was fully advised about the fraudulent activity on customers account. Two credit cards, Saving and Checking accounts were closed down and BoA re-issued new accounts. BoA, however refuses to credit back the {$2400.00} plus the credit card cash advance fee, {$120.00}, interest on bank cash advance fee {$XXXX} and any other fees related to the fraudulent activity.
Product: Credit reporting

I have fraudulent items on my credit report. I have inquires that I did not apply for as well as names and addresses that do not belong to me.I am a victim of Identity Theft
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report that I did not open or authorize on XX/XX/2023 in the amount of {$2700.00}, I reached out to all three credit bureaus an filed a dispute however the account is still on my credit report.
Product: Vehicle loan or lease

Our vehicle is in the process of being repurchsed by the manufacturer. In order for the manufacturer to pay off the loan, we need a " Payoff Quote '' with the vehicle VIN Number and Account Number. The " Payoff Quote '' on the Ally Financial Website does not provide this information. We have called Ally Financial 4 Times, and each time they state that they will fax a " Payoff Quote '' to us. They have not done so. We can not get the loan paid off until they provide us an accurate " Payoff Quote. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is illegaly re-aged. This account was not investigated properly, the date of last active is not reported the same as the other bureaus. Also the payment history is lacking a report.
Product: Credit reporting or other personal consumer reports

Dear Credit reporting agency 's, XX/XX/XXXX In accordance with the provisions outlined in 1692g of the Fair Credit Reporting Act, and Title 5 U.S. Code 552a, I am formally requesting the Method of Verification for the following disputed account ( s ) associated with XXXX XXXX : XXXX XXXX  - Account number : XXXX This request is made under the guidelines specified in the Fair Credit Reporting Act 611 ( a ) ( 7 ). It is important to note that this is not a reinvestigation of a prior dispute, but rather a request for a Method of Verification to ascertain the accuracy and validity of the mentioned account ( s ). 

Kindly provide the following details and documentation : Original creditor : XXXX XXXX XXXX  Address and telephone number of the creditor. 
Name of the individual responsible for verifying the dispute. 
Documentation utilized to verify the dispute. 
Signed contract or documents bearing my signature. 

Please be aware that under Title 5 U.S. Code 552a, known as the Privacy Act of 1974, regulations governing the maintenance of records on individuals apply, irrespective of whether this is a government agency. This ensures that any actions taken regarding my disputed account ( s ) align with the stipulations set forth in this law.

Should you encounter any difficulties in furnishing the aforementioned information promptly, I request that the disputed account be promptly removed from my credit report to mitigate any further adverse effects.

Best Regards, XXXX XXXX XXXX XXXX Prejudice, All Natural Inalienable Rights Reserved
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

equifax, experian and TransUnion- there are things on my credit report affecting my scores that either are paid debts or not mine at all. i have tried several times to get these negative or false things off of my report to no avail
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. 

XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) States I have the right to privacy. 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I am trying to link my debit card to a third party account called XXXX  but it is giving me a screen that states " PNC has made a change that prevents you from being able to link your account ''. I have done everything i can think of to resolve the problem and no one can help me.
Product: Credit reporting or other personal consumer reports

I have made repeated efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely impacted my life, resulting in considerable stress and XXXX. I must emphasize that as a victim of identity theft, I never authorized or consented to the association of this information with my identity.
Product: Credit reporting or other personal consumer reports

Opened an investigation into incorrect data on my credit report. The investigation was not thoroughly researched.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX  that I have a new hard inquiry that I don't recognize from XXXX XXXX ( XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) .XXXX XXXX XXXX Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX  Account XXXX Balance : {$20000.00} ( This Account is Reporting twice ) Most be deleted 3 ) .XXXX  Account XXXX Balance : Current {$0.00} ( This Account is Reporting twice ) Most be deleted 4 ) XXXX XXXX XXXX XXXX Account XXXX Balance : {$9100.00} Most be deleted Experian is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. Experian most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent Experian a letter to re investigate XXXX/XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX Auto # XXXX It is almost 30 days and havent received a response from Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to check my credit report on all 3 car The information that was listed on my credit file has the incorrect birthday And addresses listed incorrectly
Product: Debt collection

Contacted company in regards to their bond to operating as a debt collector in the state since I could not find no mention of such information upon the secretary of state database which states, " Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. '' All Rights Reserved.
Product: Debt collection

On XX/XX/2023 I called Jefferson Capital Systems Llc to settle on the debt they brought from XXXX Credit Card Company. I asked agent XXXX about the 60 % settlement offer that XXXX sent me to settle the debt and was told that they arent offering that settlement percentage. The percentage they offered was 10 % off in 1 payment or 5 % off on 18 payments. The total in collections is {$1200.00}, of which I used {$740.00} in credit, {$150.00} interest and an added fee. They added a {$330.00} fee outside of interest added to credit card balance. The agent went on to tell me that they cant offer me anything better because they just brought the debit in XXXX. If they have the debt longer than I may be able to get a better settlement offer.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  according to FCRA ( 1970 ) 15 U.S.C 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 15 U.S.C. 1681 section 602 A States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

I have a existing problem on accounts that I ask for documentation sent to me proving the same information that is considered verified and those are my rights I will be submitting documentation with this dispute if its not resolved or I will be force to take legal action due to my rights being violated. The inaccuracys on my credit has caused big problems and I will like them deleted immediately because the issue is never being proven to me that its been verified and accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally register a complaint against TransUnion due to potential infringements of the Fair Credit Reporting Act ( FCRA ) principles of accuracy and transparency. 

Background : On XX/XX/2022, I submitted an application for a {$10000.00} consolidation loan through XXXX XXXX XXXX Bank ). Despite a XXXX score of XXXX as reported by TransUnion, my application was denied due to an unfamiliar " Personal Loan Repayment Score '' ( PRLS ) recorded at XXXX. 

Key Concerns : Lack of Transparency and Dispute Mechanism : TransUnion did not make the PRLS available on my credit report, nor did they inform me of its existence until my loan denial. Compounding this issue, TransUnion 's website here ( https : //www.transunion.com/blog/credit-advice/how-to-dispute-your-credit-report ) explicitly states that credit scores can not be disputed, which denies me the right to challenge this score. 

Inaccessibility of Information : I found no available details regarding the XXXX 's calculation, methodology, or relevance, leaving me without understanding or recourse. 

Significant Discrepancy : The stark difference between my FICO score and the PRLS raises concerns about the accuracy and appropriateness of such scores and their impact on my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted Equifax, advised them that I am not contractually obligated to pay two cards on my Account- XXXX and XXXX XXXX I am listed as an authorized user and for those two cards I did not want them on my Credit report and requested for it to be deleted immediately. 

She advised me that it will take 30-45 days via a online dispute and they would have to wait to hear from the creditors. I even explained that I can produce documents from these agencies, and I still got met with resistance. 

I asked her if Equifax has it on the credit report that they provide to me and it states that I am an authorized user, which means I am not contractually obligated shouldn't they be able to take action, just knowing that. The service was so rude she kept talking over me, and cutting me off ... then I got fed up and asked to speak with a supervisor and she got quite and after about a minute or so transferred me over to another rep. To whom I asked her to transfer me to a supervisor. No resolution on my credit to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Filed XX/XX/2011 Type Chapter XXXX bankruptcy discharged Reference XXXX Please reinvestigate this bankruptcy. I've disputed this public record numerous times with little to no investigation by TransUnion. The other credit reporting agencies realised that it was inaccurate and removed the item.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to remove this suspicious information. 3 Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 XXXXXX/XX/XXXX