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

What happened is that my credit report contains personal information and account details that are inaccurate, unverified, or not compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. Specifically : Incorrect Personal Information : My name is listed incorrectly as " XXXX XXXX. '' The date of birth on file, " XXXX, '' is not correct. 
My employer is inaccurately listed as " XXXX. '' A previous address, " XXXX XXXX XXXX, XXXX, CT XXXX, '' is incorrect and should not be associated with my file. 
Disputed Account : The account " XXXX/XXXX  ( XXXX ) '' is being reported on my credit report, but I have not received proper validation or verification that it belongs to me or was authorized by me. 
Violations of FCRA and XXXX XXXX Standards : These inaccuracies are a violation of FCRA Section 611 ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to ensure the accuracy and completeness of credit report data. 
The errors also fail to meet XXXX XXXX compliance standards, which outline uniform reporting practices to maintain data integrity. 
I have requested that the reporting agencies and data furnishers verify all information on my credit report, correct these errors, and ensure that all data is factually accurate and compliant with legal standards. Until now, these inaccuracies have not been addressed, which raises concerns about the validity and legitimacy of the data being reported.
Product: Payday loan, title loan, personal loan, or advance loan

The loan from American 1st was for jewelry in the amount of {$3500.00}. The loan terms were 101 days interest free. I have paid back {$560.00} plus a month for 4 months. 
Now that I have a balance of {$1200.00}, they claim my payoff amount is {$8200.00}. More than double the cost of the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I justified recently received a copy of my equifax credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX XXXX. I would like to have my historical payment history report. Some accounts are XXXX XXXX XXXX XXXX
Product: Student loan

I currently have a student loan with XXXX/Suntrust Bank and when Coivd hit and I wasn't sure if I would even have a job I had to place my loan in Forbearance. I did not receive any type of notice such as a phone call, invoice or anything that would let me know the Forbearance was due to expire so instead they reported my payment 2 months late and I was not aware of it until I received an alert from my credit monitoring. I contancted them immediately and asked them why they did not send paperwork or something informing me the payment was due and they said they don't do that. With everything going on in this country why wouldn't they try and help?
Product: Credit card

Subject : Dispute of Unauthorized Charge {$210.00} on XX/XX/year> I am writing to formally dispute a charge of {$210.00}, posted on XX/XX/year>, to my credit card by the vendor XXXX XXXX XXXX in XXXX, XXXX. 
Reason for Dispute : I unequivocally confirm that I did not authorize this transaction. During my spending in XXXX on that date, my purchases were all minor and never exceeded {$100.00}. I do not have a receipt of items for any purchase matching this amount because such a transaction for that amount did not occur. 
Possible Explanation : The merchant have charged an amount in Euros instead of Turkish Lira. For example, an intended amount equivalent to XXXX USD in Turkish Lira have been mistakenly processed as Euros, resulting in this significantly higher charge. ( The exchange rate was about XXXX euro equivalent to XXXX Turkish Liras ) Request for Resolution : I kindly request that you honor your policy on unauthorized transactions and reverse the charges.
Product: Debt collection

I have written to Fidelity Credit Svc 4 times My 1st communication was to dispute this bill. I was quoted {$70.00} at the window I had XXXX people present with me I was to be billed for a consultation I spent less than 5 minutes with the doctor and medi-care would be billed They say I owe {$110.00} after billing my medi-care. I have sent them 3 additional letters which they first received XX/XX/XXXX with my requesting validation of this debt I again sent another request for validation which they received XX/XX/XXXX I SENT OUT A THIRD REQUEST FOR VALIDATION ON XX/XX/XXXX WHICH THEY HAVE RECEIVED and still no response from them nor have they deleted it from my credit reports Under the Fair Credit Reporting Act I have a right to dispute incomplete or inaccurate information and consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable must be removed or corrected. They wo n't even respond must less correct or dispute my claim I am exhausted from having to remedy my own complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided more proof regarding the situation of the late payments that are inaccurately reporting to my credit report. I had made attempts to make the payments and even got confirmation that these payments posted yet the companies have defamed my character including your credit reporting agency. In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose. Furthermore the the evidence I have provided proves that my situation is unlikely to happen and incorrectly reporting. I demand these accounts below to be updated XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Victoria Secrets ( Commenity Bank ) about making a payment. I made the payment. The payment was not successful. The company did not contact me about the payment. This was reported as a late payment to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquires on my credit report from Capital One, I only made 1 inquiry however, I also had a fraud account opened in my name once before for Capital One. The inquiry that I made was on XX/XX/XXXX but there are 2 other inquiries dated back to XX/XX/XXXX and XX/XX/XXXX. These inquires were not made by me and I would like for them to be removed.
Product: Checking or savings account

I submitted a fraud claim and all the supporting documents ( Police reports and case # 's, XXXX XXXXXXXX Restraining Order, Video Evidence, XXXX Detective contact info. I made multiple attempts in contacting Bank of America 's Fraud Department both via email and telephone and all of my attempts went unanswered. I have all of the proof of communication attempts. Due to this I'm currently missing thousands of dollars and this is causing extreme hardship.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRP ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected no removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my TransUnion credit report that are not authorized. I contacted each company and TransUnion directly and received no acknowledgment or cooperation in removing the inaccurate inquiries. I believe I might be a victim of the TransUnion data breach regarding the reporting and reinstating inquiries. The inquiries in dispute are listed below : XX/XX/2020 XXXX/XXXX   XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX I XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX I
Product: Student loan

Basically I was given a private student loan from Discover of around {$37000.00} for about XXXX semesters ( XXXX summer plus a full year ) of film school with the XXXX XXXX XXXX University. When it came time to get another loan for my second full year of XXXX, Discover informed me that they were no longer doing business with my school and that they would not be able to give me another loan. Because of this, my Dad had to go into debt by getting a parent plus loan for my second year and after that I was unable to continue attending the school. I was able to earn an XXXX degree but not the full XXXX degree. Now I am barely able to find work and I have had to get in even more debt pursuing other degrees to keep from paying back unimaginable loan debt. I do n't mind paying back my federal loans, but my private loan has now soared to more than {$53000.00} ( For ONE year of XXXX ) with current payments of {$570.00} a month. I 'm not sure who ( other than myself ) is more responsible for my current debt, Discover or the XXXX XXXX XXXX University but either way I was duped ( at age XXXX ) into an enormous amount of debt that will be impossible for me to pay off. My biggest concern with Discover is that had my Dad not taken out that additional loan, I would not have been able to do even more than one year of XXXX and how would I be able to pay back anyone without the benefit of an actual degree? This does not seem right and I would simply like a review of both my loan and my former school to determine if any fraud was applied to my situation. Thank you for taking the time to assist me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022.
Product: Credit card

We are in the process of selling our house and title company found that in 2010, I was sued by Citibank. No one ever contacted me about it. I was never served in person or by mail. Therefore a judgment was made in their favor. I was told to call the Recovery dept. to find out any information, the payoff amount. etc. ( I did this on XXXX XXXX ). I was told that they would forward my information to the dept. and they would call me back in 3 days. I waited and never received a call. I have since then called almost every day to try and get an answer or to talk to someone. I keep getting the same stock answer that someone will have to call me back, I ca n't talk to anyone directly. Today ( XXXX XXXX ) is day 7 and when I called I got the same answer. Our buyer is about to back out of the purchase of our house. I do n't understand why I ca n't talk to someone when I call. We are at their mercy.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH THE FAIR CREDIT REPORTING act 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

In XXXX and XX/XX/XXXX, there were late remarks placed on my credit report and again from XXXX of XXXX. I would like for these remarks to be removed from my report as I am making my payments on the loan. During the time of these remarks I was XX/XX/XXXX due to my job cutting back hours. These remarks are preventing me from qualifying for other things I need to use my credit for. I am a full-time collegeXX/XX/XXXXand working my hardest to pay off my debt. Before I was told that you are unable to remove accurate remarks but based on research and after speaking with the credit bureaus, the company is more than able to remove these remarks from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Experian has account number XXXX with syncb/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX XXXX And Equifax. Here is my tracking numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, however it has been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the day the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and I see some inaccurate information. I never authorize these inquiries that I have proof of I authorize Trans Union to put this on my personal name, which is my credit report. I never authorize these companies to run my personal name, which is my credit report, Trans Union did not tell me 13 times they was putting this on my personal name which is my credit report thats illegal under the American federal law act Trans Union is a disrespectful company. They do not own my name. My mother and father gave me that name.
Product: Checking or savings account

I received an XXXX deposit in the amount of {$4900.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon ) on Friday, XX/XX/2023. The deposit was to reimburse me for my expenses from a bike repair shop I operate. On Friday, XX/XX/2023 I went into a US Bank Branch in person and withdrew {$2000.00} from a teller. I also stated that I needed a new card but I did not want to use the address on file because I have been experiencing mail theft. I told her I would come back when to request a card when I get my address situation rectified. On Saturday, XX/XX/2023, I went into the US Bank branch to request a card and update the mailing address but instead was informed by the teller that my account has been locked and he gave me the number for the fraud department. I made the call to the fraud department and the rep informed me that the account was closed because there was money deposited in my account that wasn't in my name. I told the representative where the deposit came from and how much it was for and verified all my information. The rep put me on a long hold. She finally got back on the line and told me my account is closed for suspicion of fraud. There was no fraud committed. I verified all the information I could and said exactly where the deposit came from. All this could easily be verified through the sender ( XXXX  ) as well. I believe there has been some misunderstanding somewhere along the way. I would also like it noted that initially, XXXX  had the wrong account number on the XXXX form. The account was missing the first number, XXXX. So they had to redeposit it to my correct account number, in case this has anything to do with any of this. I would also like to indicate that I operate my community bike repair business as a XXXX XXXX. 
I am requesting that US Bank return the money from my account that they closed. It has nothing to do with fraud and I ask that a human review the transaction and not a computer. I would prefer to come in and pick up a check for the balance of my closed account or if at all possible I would like to keep the account and banking relationship with US Bank.
Product: Debt collection

I owed XXXX XXXX {$360.00} a couple months later, Pinnacle Credit Services LLC was on my credit report. Moreover, a year later i settled the debt with there XXXX party which i dont understand because t tey have a lot of XXXX parties. Anywayway upon payment it was agreed that the debt was settled and will be closed and taken off my credit report after 30 days. They sent me XXXX letters verifying account is closed. I disputed to all XXXX credit burueas twise and it is still on my credit report and they keep reporting.
Product: Vehicle loan or lease

Credit acceptance has refused to reply and state how much i the consumer has given them in total of XXXX loan agreement i need a response on how much in total they have recieved since XXXXto XXXX including the down payment of XXXX
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX XXXX XXXX attempt to opt of reporting services for the Money XXXX XXXX Account XXXX XXXX with Experian. The Fair Credit Reporting Act or XXXX XXXX XXXX section XXXX states 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. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX states that It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX ( a ) section XXXX references In general Subject to section ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX who is the XXXX XXXX and the consumer reporting agency reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian, and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) states Except as authorized under subsection ( b ), 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 XXXX years. This account is in fact an adverse item they are reporting without my permission which is against the law. XXXX XXXX XXXX ( A ) ( XXXX ) states that 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 information is inaccurate. Furthermore, XXXX XXXX XXXX ( XXXX ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Public Law XXXX expounds on Title XXXX Section XXXX and states consumer credit should only be pulled for Child Support provisions Finally, XXXX XXXX XXXX A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.