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

Dear Transunion This letter serves my official demand for the immediate correction of inaccurate and unverifiable XXXX reported on my credit file. Despite previous disputes, you have failed to perform a Proper investigation as required by law under the Fair Credit Reporting Act ( FCRA ). 
Your continued failure constitutes a willful non-compliance, fraudulent misrepresentation and violation of my rights under federal law. 

The following violations have been identified under both the FCRA and XXXX XXXX XXXX guidelines, requiring immediate attention : Failure to Investigate Properly FCRA section 611 ( a ) XXXX XXXX XXXX XXXX Reporting inaccurate information FCRA section 623 ( a ) ( XXXX XXXX XXXX XXXX XXXX XXXX Willful Non-Compliance FCRA section 616 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My report shows late payments, an incorrect monthly payment amount, and a past due amount that does not match my records. 
XXXX XXXX XXXX XXXX Account # XXXX My report shows late payments and a past due In accordance with the law mentioned above, I request that you provide all document with my signature ( to include any and all contracts and payments ), method of verification, name and phone number of personal you spoke with. Please include a copy of my updated credit report once the inaccuracies have been corrected. 
Thank you for your immediate attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and noticed some things are inaccurate and incomplete. 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. This account : ACCOUNT NAME- XXXX XXXX XXXX account is not complete and is not accurate. 

XXXX XXXX - XXXX open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. On XX/XX/year> I sent a letter requesting for this account to be re-investigated XXXX XXXX XXXX here is my tracking number XXXX. I got the investigation back but noticed nothing was modified or updated. So, I requested a description of the re-investigation and it was not provided to me which is a violation of 15 USC 1681i7
Product: Credit reporting or other personal consumer reports

I am filing this complaint to get clarification on these latest reported derogatory items on my credit report which was furnished by the three major consumer reporting agencies. I firmly believe that accurate and fair credit reporting is critical for the banking system to work well. If credit reports have mistakes, it can make the banking system less efficient. Unfair ways of reporting credit information can also harm public confidence, which is necessary for the banking system to keep functioning properly. 

Thus, Im respectfully asking you to critically check the accuracy of these accounts below and kindly delete the incorrect and erroneously furnished details on my files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

They told me I don't have late fees on their records must report to bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently had a data breach. They have a site set up to allow you to check if your data is breached and optionally enroll in credit monitoring : https : //www.equifaxsecurity2017.com/enroll/ when I put my information in, rather than validating if I had a data breach it immediately enrolled me in a credit monitoring service I do not wish to take part in, and presumably exempted me from a class action that I do not want to be exempted from.
You should not be forced to enroll to determine if your data was breached.
Product: Vehicle loan or lease

I bought my XXXX XXXX XXXX in XXXX XXXX for XXXX. I got my car finance through Santander Consumer USA. Ive had my car for XXXX and their still telling me I owe them XXXX for the car. They have been a Nightmare!!! The put insurance on the car that I didnt want and they said they 'll put it at the end of the loan. They 've Repossessed ny car 2 times and Ive gotton it back and they charged me excessive fees. I would like to get my titled to the car but their telling my I still owe XXXX which is more than the car cost. I didnt sign up for a XXXX XXXX XXXX XXXX I cant afford to give them any more money its been XXXX. I deserve my title to my car. 

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

I have disputed CONSUMER XXXX XXXX XXXX XXXX XXXX  numerous time with all three bureaus. The credit bureaus continuously change the information on this account updating status, changing payment information, and rearranging the inaccurate information on the account. I have asked for deletion of this account due to incorrect and inaccurate information yet they wont delete it, they keep changing information. If, all information is supposed to be reported accurately to all three bureaus then how and why do they keep changing the information and if its inaccurate and im asking for them to delete it why wont they. Please Delete this account immediately.
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 1681. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  All made Hard Inquires on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. I have sent in documentation of proof several times to the bureaus. 
XXXX and Equifax are in violation of the law and my rights. The bureaus are reporting inaccurate information. The bureaus response has been verified and accurate. This deceptive information is affecting my life. I continue to get denied for credit from certain financial institutions and credit companies. 

15 USC 1681 Section 602 A Accuracy and fairness of credit reporting which states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures 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.
Product: Checking or savings account

Wells Fargo owes me approximately {$XXXX}. It is not my fault that they hire inept employees who don't advise tcustomers what type of account they are opening. 

As I I stated in my XXXX complaint, since I wasn't advised I had a special account, I was almost evicted, had to pay court fees, had to get payday loans because XXXX refused to give me access to MY money, so I am out approximately {$XXXX}! 

What the XXXX does XXXX think {$220.00} is going to do? I want what is owed me. The {$200.00} is what was promised me if I open the account. 

Wells Fargo needs to pay me at least half of the money that I am out due to their asinine rules. 

If not, can I take XXXX to XXXX XXXX?
Product: Credit reporting or other personal consumer reports

XXXX accounts reporting on Equifax and XXXX I requested XXXX XXXX services to provide me documents that those accounts belong to me. They refuse to show me evidence. I have disputed those account multiple times with the credit bureaus and nothing has been done those accounts are hurting my credit really bad I have sent multiple letters to XXXX XXXX services by classified mail and they have ignore my request to provide evidence of documents I have also sent multiple letters to the credit bureaus regarding those accounts and they have not provide me with evidence either all of this has caused me so much stress because those accounts are damaging my credit.
Product: Debt collection

Constant repeated calls everyday. Wont tell me who they are or the original creditor is. Harassing me with non stop phone calls
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am reaching out to express the violations I have faced at the hands of the credit reporting agencies. 
" Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies, including Equifax, XXXX, and XXXX, uphold their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which underscores the Congressional policy that financial institutions, including furnishers of information to credit agencies, must continuously respect customer privacy.

In alignment with 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only with the explicit, written instructions of the concerned consumer. I declare that Equifax, XXXX, XXXX, and the furnisher of information to credit agencies do not possess my consent to provide this information, and I explicitly revoke any form of consent, whether verbal, non-verbal, written, implied, or otherwise. 
Referring to 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer of their right to exercise nondisclosure. However, the furnishers of information to credit agencies failed to apprise me of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) stipulates that no consumer reporting agency may include adverse information in a consumer report without authorization. The reporting of adverse information without my permission violates the law. 
Financial institutions such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fall under this definition. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. In this case, neither XXXX, Equifax, nor XXXX has my consent, be it verbal, non-verbal, written, implied, or otherwise, to furnish this information. 
In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), it is prohibited to furnish inaccurate information to a consumer reporting agency. Equifax, XXXX, and XXXX are in violation of this provision. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations of FCRA sections and limit the furnishing of consumer reports to specified purposes. The lack of reasonable procedures by Equifax, XXXX, and XXXX is evident. 

Lastly, as outlined in 12 CFR 1016.7, I assert my right to opt out of the reporting services of Equifax, XXXX, and XXXX at any time. Therefore, I am officially opting out of the reporting services provided by these three consumer reporting agencies. '' Please see my attached credit reports for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Final payoff check for auto loan was XXXX to Chase Banks physical overnight address on XX/XX/2020 to XXXX XXXX XXXX XXXX XXXX TX XXXX. Packaged was signed and delivered by XXXX XXXX at XXXX on XX/XX/2020. XXXX   envelope contained check # XXXX dated XX/XX/2020 for {$15000.00} for final payoff. As of XX/XX/2020 check still has not been cashed and now I am showing 30 days delinquent on my credit report. Ive provided all necessary proof to Chase bank and they still have not rectified this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got hard inquiry from XXXX XXXX and they sent me a letter credit repair removal XX/XX/2018 but Equifax didnt remove these inquiry from XXXX XXXX I have been calling for several time the Equifax customer service phone number but they didnt answer and i need to remove this inquiry from XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact, a victim of this breach and Equifax has done nothing. Please help me to delete these illegal accounts from my credit reports. 


XXXX XXXX XXXX XXXX Account XXXX / xxxx xxxx xxxx XXXX XXXX XXXX XXXX XXXX Account XXXX / xxxx xxxx xxxx XXXX XXXX Bank XXXX XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the ACCELERATED FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

We were forced to terminate a residential lease early due to a death in the family in 2013. The leasing company tried to negotiate for us to pay for the house until they re-rented it - we did not agree, however, they proceeded as if we did. We paid two months rent, plus they kept our deposit, and instead of applying it to the termination fee, they tried to collect two additional months of rent and a cleaning fee. We have refused to pay it, since it was incorrectly calculated. They have refused to discuss it with us, maintaining it " meets FCRA requirements ''. Now, their most recent antic is to change the date on the report, so it looks like we started paying on it - we have not, nor have we negotiated any kind of settlement. The inconsistency of their reporting across the XXXX bureaus alone disqualifies this debt from meeting FCRA requirements. Their failure to provide any written proof of the debt is another.
Product: Debt collection

I was very shocked when I recently checked my credit score and found an inaccurate collection balance through " CONSUMER COLLECTION MN '' ( Original creditor : XXXX XXXX XXXX  ) for {$6200.00}, when I left the apartment complex on XX/XX/year> with a confirmed XXXX balance. This is negatively affecting my credit score and doing damage to me. 

To make sure to cover ourselves after leaving this XXXX XXXX, the other person and I on the joint account saved a copy of the final account statement ( on XX/XX/year> ) and written confirmation ( on XX/XX/year> ) from their payment account management system ( XXXX ), which was for all account balances ( rent & utilities, etc. ) that we were fully paid after moving from this XXXX XXXX. 

We received confirmation that we had a XXXX balance, but a few months later, we were falsely sent an outrageous and inaccurate bill for {$6200.00}, while they continued to falsely bill us for months after we had left and turned the keys over to their staff. 

The XXXX XXXX and then the collection agency sent bills to us for a few months in XXXX, but they stopped when the joint account holder contested the inaccurate balance and had it removed from his credit history. So, I assumed that the inaccurate balance had been removed from my credit history as well, but they never removed it from mine. 

Even though I have contested this through the 3 credit agencies and contacted the collection agency, they are denying my request to have this inaccurate balance removed from my credit history.
Product: Debt collection

I have sent a cease letter, twice. They continue to call. I have also asked for validation of debt in writing ( over a month ago ). I have heard nothing. Just non stop calls at my work. Then it goes to my cell phone
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I was charged {$35.00} over draft fees for purchases that havent received XXXX to my account, deposits were made before the transactions posted to my account and I was charged {$35.00} each day bringing my account to a negative status. I called customer service and was told nothing could be done. How can I be charged a. Overdraft fee for transactions that never posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, TransUnion, and XXXX on XXXX XXXX. I still havent received anything back. according to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, TransUnion, and XXXX have 30 days to respond to my dispute this is a violation of my rights
Product: Credit reporting or other personal consumer reports

All statements with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Nj XXXX. 

Where my landlord XXXX XXXX XXXX stole and used my XXXX XXXX credit card. Along with my NJ XXXX drivers license XXXX XXXX XXXX I reported this to XXXX police department and FBI XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Pa XXXX ( XXXX ) XXXX they dont investigate Credit card fraud.
Product: Credit reporting

i paid XXXX in fullDelete the XXXX credit record ( # XXXX, opened XXXX ). 

XXXX XXXX XXXX Installment XXXX CREDITOR : XXXX CREDITOR : XXXX XXXX REPORTED DELINQUENCIES : XXXX PAIDPAID COLLECTIONCOLLECTION ACCOUNTCollectionAttorneyClosedunt
Product: Credit card or prepaid card

On my XX/XX/XXXX, billing statement I incurred an unauthorized fee slam on me ( not agreed to ). On page XXXX of XXXX, the annual fee prescribes that " If your account has an annual fee, it will be billed each year ''. However, my card does not carry an annual fee where from XXXX until my XX/XX/XXXX billing statement I had possessed the " Wyndham Reward Visa Signature Card ''. On the XX/XX/XXXX statement, I was slammed with the Wyndham Rewards Earner Plus which they ( Wyndham ) suggest carries an annual fee. Again, when you read page XXXX of XXXX it asserts that " if '' your account has an annual fee. 

Moreover, I was never notified of such fee. On or about XX/XX/XXXX, after receiving my XX/XX/XXXX statement I became aware of the outstanding annual fee and contacted Wyndham regarding the annual fee. At that time they indicate that they were unable to remove the annual fee. After reviewing my pertinent Wyndham documentation, I was unable to locate the annual fee notification. Furthermore, I had 45 days to downgrade back to the no annual fee card. Today ( XX/XX/XXXX ) I contacted Wyndham again and they again asserted they were unable to revert back to my original card nor refund the {$75.00} annual fee.
Product: Credit reporting or other personal consumer reports

the company is reporting XXXX late payments on my credit report i have never been late when i asked for the documents showing i was late they never provided them please update this account to never late pays as agreed The XXXX XXXX XXXX Account number XXXX date at question XX/XX/year> and XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX has violated my rights. 
XXXX 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: Bank account or service

I, and my girlfriend both have PayPal accounts with a Business Debit card attached. We normally purchase retail goods and services with the debit card, and we fund the accounts by buying PayPal XXXX cards. In the time that we 've had the accounts, we have made a couple of ~ {$20.00} transfers to eachother and we 've each withdrawn a very small amount of our balance to our connected bank accounts once. Just recently PayPal said they are permanently locking my account and effectively freezing my money in the PayPal account for half a year! I did n't realize they were so strict about small withdrawls/transfers!! I was under the impression when I received a warning awhile ago that they did not want me withdrawing large amounts after depositing XXXX cards into the account.