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

Transunion continues to report inaccurate information on my consumer report. There are several inaccuracies. 

My address and name is listed wrong on my report. It is causing me to be denied for credit.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs 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.
Product: Credit card or prepaid card

I was a customer of Wells Fargo bank in XXXX, Mt. XXXX since XX/XX/XXXX or XX/XX/XXXX, checking accounts, bought 3 houses, sold and when I bought the last house owned it for 4 to 5 years, never late on payments, but got real sick, could'nt make payments, so tried to sell & rent it out till I was better, they would not work with me at all, so I had I to get a lawyer to help me, anyways Well Fargo sold the house had no problem selling it. I even payed the them more then my mortgage payments at times and still made payments even when I was'nt living there anymore, so I say between a renter that moved and me still making payments nobody living there got to point I just could do it anymore, so closed all my accounts between XX/XX/XXXX to XX/XX/XXXX?? so obviously I moved out, since then Wells Fargo has sent me a settlement check stating it was for a class action for {$10.00} to {$14.00} dollar, then sent, then sent me a credit card to use which I never asked for with a {$10000.00} credit line which I have never used still have it just filed it just thought it was strange and this was to my new e-mail & address and was sent XX/XX/XXXX sent me a email stating from WFsettlement.com for a XXXX   XXXX lawsuit ..I never deleted so if you need a copy of it let me know..If I got something coming to me that would be great, if not oh well ... confused!! and Thank You for your time, have a great day!!
Product: Debt collection

I have made 2 payments 2 this company and they just took over this debt as of the first of the month, made my second payment to them today. Yet they call me everyday! I have blocked several numbers they call from. I have asked them to stop calling. I have tried to chat with them online and asked them to harassing me. They have also called my work. I am making payments, so i'm not sure what else they want me to do. They just call and ask everyday if I can pay the balance in full. I can't do that .... Can you please make them leave me alone?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Acct # XXXX, XXXX XXXX, and XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am putting Equifax, XXXX and XXXX on notice in good honor Before I take the proper steps to Litigation and arbitration to correct themselves and remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX In accordance To 15 Us Code 1681A ( I ) Reporting Transaction history and experiences On a consumer report is illegal as all illegally reporting accounts are reporting the balance payment history payment dates the status of accounts which is transaction history In just under that fact equifax, XXXX and XXXX is reporting identity theft with non public information thats supposed to be private According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard privacy Also 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, Creditors above who furnished information to credit agencies has failed to inform me of this right. 

I am giving Equifax, experian and transunion 30 days of receipt to remove all inaccurate accounts off consumer file I will be charging bureaus a XXXX dollars each day Inaccurate accounts stay on report
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$14000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1800.00} Open Date XX/XX/XXXX XXXX XXXX {$770.00} Open Date XX/XX/XXXX XXXX XXXX {$220.00} Open Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my CFPB complaint dated XX/XX/22 and I found out that you Close MY COMPLAINT # XXXX, XXXX, and XXXX on the same day. I would like to resubmit again my request to Investigate the Erroneous Accounts found on my credit report DEPT OF ED/AIDVANTAGE XXXX : {$1100.00} ; DEPT OF ED/AIDVANTAGE XXXX : {$3000.00} ; DEPT OF ED/AIDVANTAGE XXXX XXXX {$2300.00} ; DEPT OF ED/AIDVANTAGE XXXX : {$6200.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5000.00} XXXX DEPT OF ED/AIDVANTAGE XXXX Balance : {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$2400.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance XXXX {$2500.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$5100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3100.00} ; DEPT OF ED/AIDVANTAGE XXXX Balance : {$3900.00} ; XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX Balance : {$91.00} that is UNKNOWN to me. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am resubmitting this complaint myself and attached a copy of my Drivers license and proof of residency to inform you that I am the one asking your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the results of my recent reinvestigation. Upon review of the report, I have found several inaccuracies in regards to my credit accounts.

In particular, the information listed below is not accurate and I would like a full description of the errors in accordance with 15 USC 1681i ( 7 ). 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : SECURED CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Remarks : ACCOUNT PAID FROM COLLATERALS ; CLOSED XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Despite my request for correction, TransUnion LLC has failed to modify or delete the inaccurate information on my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( xi ). I have attached a copy of my consumer report as evidence.

I demand immediate correction of the inaccuracies listed above and full compliance with 15 USC 1681, 15 USC 1691, 15 USC 1692, and 15 USC 1681 ( m ).

Thank you for your prompt attention to this matter. 

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

inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

XXXX XXXX date of inquiry XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/202XXXX XXXX  XXXX XX/XX/2022 XX/XX/20XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .asap
Product: Credit reporting or other personal consumer reports

The current items are errors on my credit report. 

The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX
Product: Debt collection

Never heard of this company. Never used them, yet they keep trying to put alleged debt on my credit report. I have been requesting information from a debt collection agency that they are using and they illegally put this on my credit and now another account they used a different debt collection agency to put another amount. THIS IS FALSE AND IM SUING THEM and ANOTHER DENT COLLECTION AGENCY FOR THIS ILLEGAL AND ALLEGED DEBT REPORTING THAT I HAVE POINTED OUT TO THEM WITH PROOF THAT THIS US NOT MY DEBT AB THEY HAVE FAILED TO PROVE IT
Product: Vehicle loan or lease

I submitted to all three credit reporting agencies and to Kia finance itself. They told me sorry we put you as current. But my report is showing a NR. That is not the case, I never missed payment either of those months. They take said payment right from my bank and have for 3 years and five months. My report should reflect that. I have since paid down multiple accounts and my report is still only up XXXX points. But when Kia reported delinquent payments it took me from around XXXX down to XXXX. I dont miss payments and I wont them to report that they made a mistake to the three reporting agencies. They said they mailed a letter, but the letters not come. Who helps me and why is this so difficult to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I filed for bankruptcy but specifically did NOT include open accounts TD/Target or XXXX  because they did not have balances. Recently, I checked my credit reports and see that both of the accounts are Closed and have derogatory comments stating that they were included in the bankruptcy. This is not accurate and has had a very negative effect on my credit scores. I have attached a list that I received from my lawyer of the accounts that were included in the bankruptcy. As you will see, TD/Target and XXXXXXXX are not listed.
Product: Mortgage

XXXX XXXX I was fraudulantly foreclosed on and have a judgement in the XXXX district court house XXXX by Bank of New York!. I assume forgery involved and the person may have even appeared in court. I never even got a late notice from my lender and the laws are 90 day notice for sale of mortgage and under the same terms!. My lawyer XXXX in the XXXX XXXX office witnessed the mortgage I signed my bank requested him! XXXX, XXXX. XXXX and I had forwarding mail and all in XXXX! Even the tax office knew my new address!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, encountered several issues with my credit report that constitute clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These issues include inaccurate reporting, unauthorized inquiries, and unvalidated debts, all of which have severely impacted my consumer rights and credit profile. Here is a summary of what happened : Personal Information Errors My credit report contains incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX, SC and XXXX XXXX XXXX XXXX, SC, which are not associated with me. These inaccuracies violate my rights under 15 U.S.C. 1681c, which mandates accurate personal information reporting. 

Inaccurate Account Reporting Several accounts, including those from XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX, were reported with late payments that I dispute. These reports do not reflect my payment history and are violations of 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report accurate and complete information.

Unauthorized Hard Inquiries Multiple hard inquiries, such as those from XXXX, XXXX XXXX, and XXXX XXXX, were made without my consent. These inquiries violate 15 U.S.C. 1681b, which requires permissible purposes for accessing my credit report.

Debt Collection Violations Debt collectors, including XXXX XXXX XXXX and XXXX XXXX XXXX, reported debts without proper validation, in breach of 15 U.S.C. 1692g. Despite my requests for validation, they failed to provide sufficient proof, such as original contracts or applications bearing my signature.

Disclosures of Personal Information My personal information was shared without providing me with the opportunity to opt out, violating 15 U.S.C. 1681a ( d ) ( 2 ) ( A ).

Failure to Define and Report Accurately Late payments were reported without a clear definition of what constitutes " late, '' and finance charges were not calculated accurately, which is deceptive and noncompliant with the requirements of accurate reporting under the FCRA.

Deceptive and Harassing Practices Reporting inaccurate debts and sharing debt information with third-party agencies caused unnecessary distress and harassment, violating 15 U.S.C. 1692d and 1692e under the FDCPA.

My Actions I have formally disputed these inaccuracies and demanded corrections, deletions, and validations in compliance with 15 U.S.C. 1681i, 1681s-2, and 1692g. Specifically, I requested : Removal of inaccurate personal information. 
Updating late payment reports to " paid as agreed, never late. '' Deletion of unauthorized hard inquiries. 
Validation of alleged debts with proper documentation.
Product: Debt collection

My Individual rights were compromised without full knowledge of the disclosures, terms and conditions pursuant to applicable laws, TILA and the UCC. The actions caused me duress and impacted my public confidence AND credit. I have rights and powers to transfer rights and obligations to the leasee for lessor to secure all payments and obligations on the consumer account. I'm already secured due to common ownership in the security agreement for settlement and satisfaction of the alleged debt thats backed by credit.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, requested to cancel this contract due to unfair, wrongful and disinformed sales practices by XXXX XXXX employees. On the date of XX/XX/year>, I attended one of XXXX XXXX presentation at one of the XXXX XXXX XXXX XXXX XXXX XXXX I was given an offer to sign up for a {$49000.00} vacation deal hotel stay and a vacation of one week in one of their resort. This money value is based on points purchase for time share in one of their resort. I declined this deal couple of times because it was expensive and I was financially unable to afford it. But I accepted it because I knew I would be able to cancel anytime, which was my intention to cancell it. The sales person was tactical forceful and pressured me to accept the second offer of about {$24000.00} with a down payment of {$6000.00} with a promise to cancell at anytime and keep a one week free stay at one of their resort. I did not have the money to finance my down payment. Up to this point during presentation there was no clear financing break down of the deal. Then, after 4hours of presentation with kids, I was taken into a another room to sign paper work with my wife and children and no mension of financing break down of the down payment and the remaining of the balance. Unfortunately, I did not revise the contract within few days while I was still in vacation. When I got home and called the office to cancell, I was denied because cancellation time has pased. This contract has two financing portions which is my personal account for downpayment, and the remaining portion is a joint account with my wife. There was not discussion on portioning this contract partial joint and another personal.My concern here is why the representative did not disclose the truth in lending act disclosure statement which had more information in making my decission based on the APR of 17.99 % and the gross purchase price of {$58000.00} which is higher than a previous offer of {$49000.00} which I declined in the first place?? why they hide this information? Therefore, when I looked into this contract, I believe I was misled to sign to a lower offer thinking I was getting a good affordable deal, but I was not and not be able to cancell at any time!! If this " Truth In Lending Act Disclosure Statement '' would have been disclosed to me I would have not taken this offer. I got into this deal because I was pressured to accept it by the sales person who was not truthful and honest. I conclude by asking to revoke this contract and be out of this contract because of unfair and wrongful sales practices by their employees. I hope you will consider deligently to resolve this matter. I have been in contact with them since XXXX through phone calls, emails, and letters without any response. This account has been reported to credit beraus and is affecting my credit report. There is an account with citizen bank in my credit report for the down payment under my name, but when I log in citizen pay the name is not mine is XXXX XXXX. So there is discrepancy in accounts names by this personal account. 
Yours Sincerely XXXX XXXX XXXX XXXX
Product: Debt collection

Regarding : EASYPAY FINANCE COMPANY The debit originated from a needed car repair. The charge for the car repair was {$2100.00}. After XXXX payments of {$120.00}, I contacted the company and found out they are charging XXXX XXXX interest and {$6.00} per XXXX  in fees. According to the representative the only way to obtain a copy of the contract is to setup an account and login to obtain the contract. I did as instructed, and much to my surprise, there was no contract to be viewed the account showed {$0.00} owed and no future payments. The company is still requesting biweekly payments from my account and they say I still owe a balance of {$1000.00}. 
Is it legal to charge XXXX XXXX? When I signed the contract I had XXXX XXXX interest for XXXX XXXX. At the time of the contract signing I verbalize I won't be able to pay the debt off in XXXX XXXX, so what will my payment amount with interest ( which was not XXXX XXXX  ) be? The interest I agreed to was XXXX XXXX The payments calculated to {$120.00} biweekly with interest.
Product: Checking or savings account

Unauthorized wire transfers/transactions by a scammer using a fake e-mail and falsifying mobile access to withdraw my online banking accounts.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<
Product: Credit card or prepaid card

My wife signed up for a Citi Bank credit card. During the process of signing up for the card she added me as an authorized user, simply believing I could review the account online or call customer service if necessary. 

Next thing I know, Im receiving a Citi Bank credit card in the mail. A card I didnt apply for and a line of credit I have no desire in having. Citi Bank didnt even ask my wife for my XXXX when she applied for the card. Her card and my card both have the same account number. 

Long story short, I received an alert from XXXX XXXX telling me that this card is now appearing on my credit report so I assume any charges on the card will affect my XXXX XXXX. For a card I never even applied for and future charges I will never make. This is very unsettling. If one so chose, they could sign up for a CitiBank credit card and add anyone unknowingly and possible destroy their credit. Wheres the oversight?