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

I Originally sent a Notorized Affidavit via Certified mail to the 3 credit bureaus for Violations According to the Fair Credit Reporting Act, 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX TransUnion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TransUnion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX TransUnion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. account closed as of XX/XX/XXXX. Account paid in full, closed, never late. As a consumer i demand this account be delated from my record. Per FCRA and CFPB rules consumer demands this account be deleted from record since it as met 7yr requirement. Since this account is not connected to bankruptcy there's no need to meet 10yr requirement. 
XXXX XXXX. Account paid in full, never late/closed. Account closed XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX XXXXXXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX XXXXXXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy.
Product: Bank account or service

had a check bounce in XX/XX/XXXX from my pnc account.they paid it and within 2 months they closed my account out.would n't let me close out my checking.but closed out my credit debit card never gave me all my money.and then found XXXX other cards from an account from XXXX i had at their bank that had stolen checks on it that they said they closed out n never did.one is good til XXXX n the other is good til XXXX.i did n't keep that account going and had just invested in phone cards and reload prepaid cards.now my credit score is XXXX and was asked to contact you by spectrum.i checked my score a few wks ago and it said i bought a house in XXXX and a new car in XXXX.i didn't.this is the XXXX time i 've been hacked into and they were surpose to have flagged me from then.
Product: Checking or savings account

I was robbed for my tote bag which had my phone, my laptop wallet, keys license and other valuable items in it. All of my bank accounts were emptied. My navy federal account was emptied with the following amounts XXXX : XXXX in atm withdrawals XXXXXXXX XXXX ACH transfer in XXXX XXXX : XXXX transfer in XXXXXXXX XXXX XXXXXXXX : ACH transfer in XXXX XXXX  Navy federal was negligent in not submitting all of these transactions on the same claim. They only filed for the atm transactions which I was awarded a refund from navy federal. I waited for months for the other transactions to be returned and they were never filed. I called and they filed them separately and I received a warning my account would be closed if I kept submitting fraud requests when all of these were from the same situation. I did everything navy federal asked including opening a new account to which they said theyd close the old account and its still open. I got a new phone, several police reports were submitted, I ran anti virus protection on my phone. Everything they asked me to do. I had never filed a dispute for anything prior to this event happening. I submitted my claims and they denied them within 20 minutes letting me know they didnt do an investigation. I submitted multiple appeals that have gone unresolved for months. I practically begged them for my money back and nothing has been returned.
Product: Debt collection

There is a collection from a company that is unknown to me, I have disputed with nothing being received. I do not owe on any medical debt. This is a mistake and I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX via XXXX - XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THESE ACCOUNTS, AND THEREFORE, I REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY XXXX   CREDIT REPORT.
Product: Checking or savings account

I have called on XXXX separate occasions to close my checking account with Chase bank. The first time they sent a letter saying there was an incoming transaction so they could not close my account. I waited a week and no transaction was incoming. I called and asked for my account to be closed and as of XX/XX/24 my account is still not closed. I am being charge fees for the account being open and want the account closed so I don't have to pay anymore fees.
Product: Vehicle loan or lease

I have a lease with XXXX XXXX XXXX ( Chase bank ) which is coming to an end in XXXX. I decided to purchase my car out of the lease, on XX/XX/XXXX Chase received the payoff ( {$24000.00} ) from my bank for which they sent me the buyout package offer for. The payment posted on the Chase account on XX/XX/XXXX. This is when all the problems began, I called them the following week around the XXXX and XXXX and they didnt realize the payoff was deposited in my account (??? ). I was told during that phone call that the Payoff was going to be transferred over and my account was going to be closed the following day or within a few days along with my title transfer/ bill of sale sent to me. That never happened. From there I continued to call every week to check what was going on, for which there response was that its noted on my account that they received the payoff and Im going to have to wait. The first date they gave me was around XX/XX/XXXX then XX/XX/XXXX, now they are saying XX/XX/XXXX. While all this is going on they are still asking for monthly lease payments that I do not owe them. They have tacked on late fees and have acknowledged that I do not owe them anything yet are still asking for payments. On their end Im over 15 days late for lease payments. I expressed to them that Im worried my account will be sent to collections and my credit will be affected. They responded by telling me that may happen but they will just back date the account. Clearly its not that easy once my credit is hit by this. This is completely unprofessional and illegal, I have done everything and paid everything that was owed but they have not held up their end of the contract. This can not continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX is reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX, 30 days from XXXX XXXX, 30 Days XXXX XXXX, 60 Days XXXX XXXX 60 Days XXXX XXXX 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX violating my Federally protected rights. To add to this, I did not give XXXX written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote the credit bureau a letter about information on my credit report that is inaccurate and needs to be investigated and they did not respond to my dispute within 30 days which is a violation of the FCRA. The credit bureaus have failed to conduct a proper investigation and failed to correct or delete this inaccurate information off of my credit report. Their reporting of this inaccurate information has me in a serious financial bind and I need this addressed promptly
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX, XXXX, AND XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX, XXXX, AND XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I responded to an alleged debt account letter dated XX/XX/XXXX I mention that I had no knowledge of the alleged debt and if I can get an original copy. They send me a copy of a renewed judgment that was filed XX/XX/XXXX that I wasnt made aware of. They claim that this alleged debt was open back on XXXX. Assuming this was mine which I have no knowledge of, does the statute of limitations expire?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Debt collection

I called to settle a debt in the amount of {$570.00}. I asked if I paid the debt, if the negative remarks could be removed. He said they would absolutely remove the negative marks once I paid the debt in full. I then asked for that in writing which he refused. I then asked for a statement of my debt for verification. He also refused. When I expressed reluctance to pay him money without a financial statement of my debt, the debt collector threatened that if I did not pay immediately that his " one time offer " to delete it off my credit was off the table. He states " once you hang up the phone I can't help you because this one time offer is only good on the first communication, after that it is void " This quite honestly seems like an unfair practice to collect a debt. I have rights to receive a written statement of my debt which he refused
Product: Credit reporting

A debt with XXXX was settled with the original creditor ( XXXX ) prior to being sent to collections. XXXX has agreed to remove the account from my report however Transunion will not remove the account nor will they allow me to open a dispute with them.
Product: Debt or credit management

I requested the original documents showing where I had signed any document with my original signer date and time, it`s over 8 months now, I have receive anything, I ask for the inquiry to be remove off my credit reports.
Product: Credit reporting or other personal consumer reports

My loans thru XXXX XXXX XXXX were transferred/sold to XXXX in XXXX XXXX XXXX A total balance of XXXX was transferred to them and I have been making payments to XXXX for the loans since XXXX when payments resumed after the pause. 

XXXX is still reporting I have a total of XXXX in loans remaining to them. These loans are already included in the XXXX transfer. The loans amounts showing up on all 3 of credit report are : Acct # XXXX balance XXXX Acct # XXXX balance XXXX Acct # XXXX balance XXXX Acct # XXXX balance XXXX Not only do they show up with balances. They show a XXXX payment due on these accounts. I have repeatedly called and spoke to agents to get these taken off my credit report and they keep telling me XXXX needs to remove them. This has nothing to do with XXXX because the other loans are removed but these still remain on my credit report. XXXX already told me there is nothing they can do on their end because the reporting isn't coming from them
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 violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name XXXX account number XXXX, Account Name XXXX  account number XXXX, Account Name XXXX account number XXXX, Account Name XXXX XXXX account number XXXX. Account Name XXXX XXXX  account number XXXX Account Name XXXX XXXX XXXX account number XXXX Account Name XXXX XXXX account number XXXX Account Name XXXX account  number 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 a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.15 U.S.C 1681s- 2 ( A ) (! ) 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

I was disputing a Bankruptcy on my credit report that XXXX   verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them XXXX stating they were able verify that bankruptcy from my credit report by verifying it with a third party called LexisNexis. So on XX/XX/2020 i sent LexisNexis letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. As of today XX/XX/2020 i have not gotten a response from them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report concerning an auto loan account. This account has several issues that I believe violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681, which governs the accuracy and fairness of credit reporting. 

The specific issues are as follows : Incorrect Creditor Information : My credit report inaccurately lists XXXX XXXX XXXX as the original creditor for an auto loan with a balance of {$23000.00}. The correct original creditor is Santander. 

Inaccurate Charge-Off Balance : XXXX XXXX XXXX is reporting a charge-off balance of {$18000.00}. This balance is incorrect. The charge-off balance should reflect the amount reported by Santander. 

Duplicate Accounts : There are XXXX closed auto accounts listed on my credit report with incorrect dates. In reality, there should only be XXXX account. This duplication is causing significant confusion and negatively impacting my credit score.

Fraudulent Account : The account in question was opened fraudulently in my name. The vehicle associated with this account was found wrecked by an individual named XXXX XXXX in XXXX, TX. 

In accordance with 15 U.S.C. 1681, I request the following actions : Address the Fraudulent Account : Investigate and resolve the fraudulent activity associated with this account. 
Please inform me of any additional information required to facilitate these corrections. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance.
Product: Credit card or prepaid card

During the month of XXXX, I had sent a form to get a refund on what I had paid during the months of XXXX or XXXX of this 2022. Not aware that I had used the Capital One Card to pay for a transaction, I thought I used my other bank cards for it. When the last 4 digits was given by the reps at Secretary of State, I compared cards to find out it was on my closed account, credit card that also has a balance. This issue has already been discussed and is in process of the handling between several debt consolidation and of other resolutional sources. Nor did I give any promise to pay or consent to accept such monies to clear debt owed from this refund. The amount was expected to be received by me for other personal use. For the record the consolidation process is currently still ongoing. I tried getting help with issue from both Capital One and the Michigan Secretary of State to NO Avail!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX,XX/XX/XXXXNEW AMERICAN FUNDING XXXX, on XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX and on XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.