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

I am writing to dispute and request the immediate correction of an error on my credit file maintained by Credit Bureaus. Upon reviewing my credit report, I discovered an inaccurately reported late-opened account, which has adversely impacted my credit standing. 

I request that you promptly investigate this matter and correct the misinformation on my credit report. It is imperative that the correct account opening, is reflected to accurately represent my credit history. 

Furthermore, I urge you to ensure that such errors do not recur in the future and to provide me with a written confirmation of the correction made to my credit file. 

Please acknowledge receipt of this dispute letter within [ specify a reasonable timeframe ] and provide updates on the progress of your investigation. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$4300.00}.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint to TRANSUNION regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and my social security number is XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. 
As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DELETIONS TO CREDIT REPORT Dear XXXX, TransUnion, XXXX  : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX- XXXX  Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports.

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened in XX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX XXXX Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}.

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely,
Product: Mortgage

I am behind on my home loan. My loan company is holding {$8500.00} left from my insurance claim money from a hurricane claim. I sent a letter requesting that the money be applied to my loan balance. They did not approve it. I then requested, the remaining amount to be sent to me. They did not approve that. The remaining balance is less than 10 % of the original insurance check payment made to me by my insurance company. I mailed them XXXX payments totaling {$3800.00}. They sent both payments back to me. I completed a hardship packet in which I asked to pay {$10000.00} and if they could divide the remaining {$1500.00} into XXXX payments. They again did not approve it. My reason for being behind is because I was out of work. My total amount behind is {$11000.00}. They don't want to work with me because I only owe XXXX, and my house is worth {$750000.00}. They would make over a half XXXX dollars in profit by foreclosing on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX  and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2021, however, the account payment status is late. The account payment status CAN NOT be late on an account that has been closed for a YEAR. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : XXXX XXXX XXXX / XXXX XXXX
Product: Debt collection

I sent a debt validation letter to Pinnacle Credit Services on XXXX/XXXX/2015 and they ignored my request for validation.
Product: Credit card

So XXXX XXXX and other credit card companies are charging XXXX if they have to mail you a statement. When credit interest rates are so high this is wrong. I should be able to like a my credit card statement without going on line. After all the cyber fraud and going after everyone personel info this is wrong. There is no way it cost them XXXX to send a statement every noth. I would like this practice stopped and these compaines fined.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( 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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting

I have a company saying I owe medical debt. This company WILL NOT validate this debt. It has been over 60 days since they have received my certified letter requesting this ( attached XXXX. The debt collection agency has thirty XXXX 30 XXXX calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that the debt in question is inaccurate. The debt collector has five XXXX 5 XXXX days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. They have not sent an admission of inaccuracy or any other information. I am a residence of Texas and under Texas XXXX XXXX, Title XXXX, Chapter XXXX, Section XXXX. ( under the FCRA XXXX A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus. 

Equifax has NOT done their job in accurately upholding the FDCPA or the FCRA. If they would have they would have investigated properly and understood that this company is trying to illegally get money out of me. This company will not and can not prove this debt is mine and is n't even allowed to legally operate in my state. To accurately validate and verify this debt the items listed below are needed, if Equifax can not produce this then it needs to be removed from my credit! 

The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceContract between the original creditor and the collection agencyAny fees added by your agency. Sec. XXXX XXXX a ) ( XXXX XXXX Texas XXXX bond information as required by Texas XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a completed form requesting my free annual credit report from Equifax and XXXX to the address on the form at Equifax in XXXX. 

Although Equifax sent a report that is an utter outrage ( Confirmation # XXXX ) and sold my information in violation of my rights to 3 different companies during a time when a credit freeze was supposed to be on my account, I have yet to receive a report from XXXX. 

I will file a separate complaint for the host of inaccurate and incomplete information on my Equifax report, but please shut down Equifax and stop, once and for all, its profligate profiteering and trafficking in my personal information, while its parasitic injury is allowed to continue. 

Equifax has had so many violations of the law long before its infamous cyber hacking that it needs to have a court appointed special master to liquidate its assets without further excuses. In the interim, the CPBP should seize every asset it has and the Department of Justice should jail its board of directors and corporate officers. Their personal assets amassed on the backs of millions of abused consumers should also be stripped from them and go into a victims fund for all the people it has injured, wantonly, for decades. 

The CFPB should also immediately force XXXX to mail me a copy of its file on me to the address on the form I used to obtain the Equifax report. I will be applying for a mortgage related to a small business in the next month or two, so all corrections need to be made immediately. 

Since Equifax rarely complies with the law, it should NOT be given weeks and months to correct the damage it is now reporting in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to our attention that TOYOTA MOTOR CREDIT has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Product: Checking or savings account

Suntrust/Truist locked my account about 5 weeks ago ( XX/XX/2022 ). I have been calling back and forth with suntrust/Truist customer service ( almost everyday until today ) as well as my local branch and spending literal hours on hold to see why my account has been locked and have just been forwarded to the next agent multiple times with little to no answer. I reached out on twitter and they stated that they would call me back only after I threatened legal action. I wanted to close my account and have my money wired to my new banking institution. I was on the phone for over an hour this evening and was told by the representative that there is no record of a check being issued and mailed to me when I was told that after calling two weeks prior. I still have been left in the dark and have no idea where my funds are and why my account is locked
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account on XX/XX/2023 stating : " I dont remember ever being late with a payment on this account. Please could you provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account and update it as paid on time.
Product: Debt collection

There's an account with my information, I did not open this account! I never made any payments on this account! I need this removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX is disclosing my nonpublic personal information and did not provide required opt out disclosures prior to. The company is also reporting transactions and experience between me and the person making the report, to credit reporting agencies. In addition, the Company is reporting late payments on an open end consumer credit plan and has not honored my request submitted to opt out of disclosing my nonpublic personal information to nonaffiliated third parties. I have notified XXXX several times of these violations and feel that at this point the company is willfully violating : My Federally protected consumer right to privacy as well as other CFR and USC violations under Privacy Act of 1974 and the Gramm-Leach-Bliley Act, 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( b ) Opt out ( 1 ), 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out, 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1666b - Timing of payments ( a ) see attachments.

Credit reporting agencies are in violation as well.
Product: Debt collection

XX/XX/2021 A call was placed to my job asking personal questions from a co worker when called the finance company back I asked XXXX XXXX not to call my job she said shes going to do whatever she wants and she will continue to call my job when she wants to. When she called my job my co worker answered the phone with the greeting thank you for calling XXXX financial how can I help you XXXX advised my co worker that this number is listed as a home number for me in XXXX and proceeded to badger my co worker asking questions my co worker advised her due to privacy reasons she could not disclose the location of my job and XXXX continued to try to get information. I have been embarrassed because now everyone on my job thinks someone was trying to repo my car.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. '' XXXX, Equifax 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. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604a 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. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the financial institutions and the consumer reporting agencies XXXX 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, XXXX, whether it be verbal, non verbal, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Credit One Bank, First Access Bank, and Capital One Bank ) never informed me of my right to exercise my non-disclosure 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 the convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports under section 1681 b of this title. '' XXXX, Equifax and XXXX are not maintaining reasonable procedures.
Product: Student loan

Throughout XXXX I made calls several times a week to be put on hold for hours or just hung up on after being put on hold. On Monday, XX/XX/2022 I was finally put through to an Aidvantage customer service representative who told me that she had officially submitted my request for a refund of my loan payment of {$10000.00} and was told it would take 4-6 weeks of processing. Seeing no movement or updates on any loan balances for 7 weeks, I called again multiple times throughout the 1st week of XXXX and finally reached someone who did not transfer me on XX/XX/2022. They told me it would take 10-14 weeks. I have not seen my balance be updated and have been given conflicting information, potentially setting me up to pay interest on loans I had already paid off in full.
Product: Vehicle loan or lease

On XX/XX/19 my auto loan account ending in XXXX assessed a return check fee in the amount of {$30.00}. This was due to my personal checking account being compromised and having fraudulent activity and bouncing this payment. Please note the checking account is not with Suntrust only my auto loan. Shortly after receiving notification from this company I called on and spoke with a representative from this company and they advised they would waive the fees. After making my payment today on XX/XX/19 I noticed this was not done. I called and was transferred to 6 different people and repeated my story multiple times to which in the end was hung up on by the last representative. I called back and asked for the executive complaints department and was told there was no such department. I find this highly unlikely as I personally work for an auto loan company and know there is such a department.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries. Im getting hot with inquiries that I never consented to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The complaint that I have is with SYNCB/DKS. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay SYNCB/DKS. I have not received anything that I requested and it is still on my credit report from all XXXX of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX Equifax XXXX  - XX/XX/year> Equifax Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account number : XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.