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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Payday loan, title loan, or personal loan

My complaint is with One Main Financial. Since XX/XX/XXXX18 I have received 57 phone calls from One Main Financial. This is ridiculous. I am tired of it. Also 2 months ago I set up a payment plan with them. And they said that they would defer my payment and allow me to change my due date. Come to find out they never allowed that to happen. They lied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reconciling my bank account today XX/XX/2019 and found that I found charges of {$4.00} on XX/XX/2019, {$19.00} on XX/XX/2019 and {$19.00} on XX/XX/2019 from EQUIFAX. I had no idea what these charges were for so I called EQUIFAX and spoke with XXXX or XXXX in customer service. She stated that I signed up for a credit monitoring plan for an introductory of {$4.00} and {$19.00} thereafter. I told I did no such thing and that I only signed up with XXXX   not EQUIFAX. She said they will cancel my account and my last day will be XX/XX/XXXX. I disputed that and said I did not give permission to be enrolled in this plan, it was done without my knowledge and without my consent and I wanted it cancelled as if never in effect and I want my funds back. She transferred me to her supervisor XXXX and he stated that because the security questions were answered correctly, which consisted of my name, phone number, email and my dogs name, that he would not authorize the refund. I told him I was going to file a complaint because I never authorized these charges and I confirmed this call center is not in the United States which is of great concern for me.
Product: Credit reporting or other personal consumer reports

Once again, TransUnion, as mentioned in previous complaints is reporting an account XXXX XXXX  that are claiming a debt I DO NOT OWE nor do XXXX XXXX  have in their possession any legal documents to prove this account is mine. My previous dispute request with TransUnion asking that they verified and provide method of verification of the account XXXX XXXX  and TransUnion FAILED to provide me the appropriate information which proves that there are NO LEGAL documents to verify that XXXX XXXX  belongs to me or should be reporting on my credit report. This is sound prove that goes against my consumer rights according to the FCRA. I also have a strong believe that TransUnion are illegally using my Personal Information without my consent or authorization to make updates to the my credit profile like my Employment status. I currently do not have an employer nor did i authorize TransUnion to report XXXX XXXX  on my credit. This is improper use of consumer personal information and if goes without resolution will result in LEGAL ACTION against TransUnion. Unlike XXXX and XXXX who were able to conduct a thorough investigations and took necessary steps to resolving all of my disputes and provide me with details regarding the dispute... TransUnion.. However still fail to provide their method of verification. Below i'll attached the letter received from transunion of updates to the account XXXX XXXX on my credit profile, but however not properly verified. I will also include screenshots of Transunion being the ONLY report agency reporting account XXXX XXXX  on my credit profile as a result of FAILURE to conduct a proper investigation. XXXX XXXX  are also illegally misusing my personal information which i DID NOT give consent to, neither did they ever contacted through mail, phone, email to verify and collect information about a debt that i owe. NEVER. which will also result in a legal action against XXXX as well.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked at my XXXX 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 generallf, 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 and 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 reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX is the company consolidating all student loans on my CREDIT REPORT. To date XXXX is no longer the company consolidating my student loan debt. I have never owed any payments neither been late on paying as my account has always been in a differed payment status. XXXX reports a late payment on my account which is not accurate whatsoever. In addition, XXXX now claims to have no administration over my student loan accounts. They have transferred my student loan account to another company. XXXX has done so without having provided any proper/legal notices of this transferred/changed account status. XXXX is continuing to report on my credit as the administrator managing my accounts which violates the FCRA rules of truth and accuracy in reporting.
Product: Checking or savings account

I have been a Fifth Third bank checking account holder for XXXX years. In the past XXXX months, I have had charges come through my checking account that caused my balance to go negative. I have always turned " off '' my overdraft protection and use that as a way to know when my balance is low and I need to put more money in that account. Each time ( I believe it has happened twice in the past XXXX   months ) my balance has gone negative, I get charged a fee.

I called Fifth Third and complained about this when it happened XXXX months ago, and they did remove the overdraft fee during that occurrence. Today is XX/XX/XXXX and the same scenario occurred again yesterday. I do not understand how a bank can authorize a transaction via your checking account when there are not funds in the account to cover the transaction, I asked them not to do that, and not only do they do it anyway but then charge me {$34.00} for doing it. Seems highly illegal and immoral. Please investigate.

Thank you.
Product: Credit reporting or other personal consumer reports

Equifax has violated my rights as a consumer when Equifax 's decided to reinsert an account that was deleted off of my consumer report that being a XXXX BANK XXXX ACCT. NO XXXX Equifax XXXX to notify me within the time frame that is required by law. 
FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. In light of my consumer rights being violated I request that if Equifax can not provide me with a reinsertion letter stating that this item is being reinserted ( as well as the other notification that are required by law ) in addition to a certified return receipt within the time frame allotted by law then I demand that this item be deleted immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reporting XXXX XXXX  XXXX XXXX account closed on XX/XX/2018. Numerous documents by myself and XXXX XXXX  have been sent to reflect account open good standing no late payments. This has been going on for over 14 months and TU still reporting inaccurate.
Product: Student loan

I owe {$64000.00}. In student Loan debt to further my education. I filed for on my bankruptcy, my attorney deleted this because we told you Student Loans are not liable for bankruptcy. The change the loan title name XXXX times from Navient. My attorney tried to filed this bankruptcy for student loans on XX/XX/2020. We were not able to include on file. I'm unable to pay the loan because I'm only working XXXX hrs per week. I have rent and other cost of living expenses to pay and provide food. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to conduct a reasonable reinvestigation to determine the validity of the disputed XXXX XXXX late payment. I need them provide verification of all information they used to investigate my dispute, to include a standard form outlining the general characteristics of such information. who did you talk to at XXXX XXXX, when did they talk to them, and I also need the name of the point of contact name and address. As per The XXXX XXXX XXXX XXXX must explain their information-sharing practices to their customers, which I received no such notice to safeguard my sensitive data.
Product: Checking or savings account

I am writing to formally lodge a complaint regarding the closure of my account with Chase Bank on XX/XX/year>. Upon contacting customer service, I was informed that I would receive a cashiers check for the remaining balance of {$460.00}, as well as a notice explaining the reason for the account closure. However, as of today, XX/XX/year>, I have yet to receive either the funds or the notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is regarding the Equifax hack that included my info, confirmed per their website. It is unacceptable that they were hacked and didnt notify the affected personal till month after the fact.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance Corporation continues to report a " delinquent '' account on my credit report. This account was included in my husband 's bankruptcy which was discharged on XX/XX/2018. Copy attached. Per Arizona law, spouse debts are included in the bankruptcy even if only one spouse files and are discharged as well ( marital property ). Motor Acceptance Corporation has responded to CFPB ( Case No XXXX ) and myself that they do have a debt against me separately. This is not true and unlawful. They have removed the account completely from my husband 's report and should do same for my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX loan is erroneously appearing on my Transunion, XXXX, and XXXX credit reports. According to the reports, this account was opened on XX/XX/XXXX and the current status is Late. Despite requests sent in writing via US Postal Service in XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX has failed to supply a contract to which they are a party nor any other evidence to support the claim that this account is valid. They are in violation of the FCRA, TILA, and the Gramm-Leech-Biley Act Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is only allowed to furnish information about a consumer 's credit history with the consumer 's consent. Specifically, Section 604 of the FCRA states that a consumer reporting agency may only furnish a consumer 's credit report to those who have a " legitimate business need for the information '' and who certify that the information will be used for " permissible purposes. '' Section 604 also requires that the consumer be notified in writing of the request for the credit report and that the consumer has the right to know the nature and scope of the request.

Furthermore, Section 607 of the FCRA requires that a consumer reporting agency maintain reasonable procedures to ensure that the information they report is accurate. If a consumer disputes the accuracy of any information on their credit report, the consumer reporting agency must investigate the dispute and correct any inaccuracies.

Under Section 605B of the FCRA, a victim of identity theft can request that the credit reporting agencies block any information that is the result of fraudulent activity. Specifically, Section 605B ( a ) ( 1 ) states : " A consumer may notify a consumer reporting agency that the consumer disputes the accuracy of information in a consumer report on the consumer on the grounds that the information relates to a fraudulent transaction or to an account or to other products or services that were obtained as a result of identity theft. '' This includes items that were created by an imposter, or those that were created by the thief using my personal information.

Furthermore, under Section 621 ( a ) ( 2 ) ( A ) of the FCRA, I have the right to submit a sworn affidavit to the credit reporting agencies stating that the information on my credit report is the result of identity theft. The affidavit should include a statement that I did not create the accounts or authorize the charges and that I am not responsible for them. I have attached a copy of the FTC 's Identity Theft Affidavit to this letter.

In light of these laws, I respectfully request that any and all items on my credit report that are the result of identity theft be removed immediately. I did not consent to the reporting of fraudulent charges or accounts and therefore, they should be removed in accordance with Section 604 of the FCRA.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX. XXXX ( {$5400.00} ) Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( {$2000.00} ) Account XXXX XXXX XXXX XXXX  XXXX  ( {$640.00} ) Account XXXX XXXX
Product: Checking or savings account

To be honest with these banks, I received harassment while I had accounts there, transactions and could change my information at any time. He could put other information even in my online banking account. He could do a lot of things that were unacceptable, an acceleration ******** my word. He calls me and blocks my account without my permission and he calls me to go as far as I don't know. in the office, where the bank is located to speak with someone, I left. But what they did to me, it's really unacceptable that you can't believe. I tried to fix it. For several times and they continued to put information so that I can no longer open any bank account where I am talking to you, I become like an instrument that does not has no right in fact.