23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Transunion about hard inquiries from I did not recognize nor gave permission to pull my report. Each rep told me they can not and will not delete the inquiries and gave me a script they read about it staying on my report for 2 years from the pull. they said that because it's on my report I gave them permission to pull the report. I called each creditor, which they have no idea where it came from and told me to call the credit bureaus. called Transunion spoke with several people, who i did not understand. asked to give me their name and employee id number. no one gave me their id but gave me a fake last name. 
Companies in question are XXXX XXXX XXXX XXXX XXXX auto XXXX flagship credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing ; Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXX XXXX This charged offs account are reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Very briefly, XXXX failed to reasonably investigate two disputes w.r.t credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by Bank of America, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b )  ( 6 ).

Dispute 2 : XXXX XXXX prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX_cfpb_dispute.pdf '' ). I have also attached my original statement delivery instructions ( " bofa_paper.pdf '' ), and the original dispute to XXXX ( `` XXXX_dispute.pdf '' )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my rights has been violated?

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
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

Comenity Capital Bank sent me a XXXX XXXX XXXX Mastercard that I never applied for.
Product: Credit reporting or other personal consumer reports

To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Reporting JPMCB Account # XXXX To Whom It XXXX Concern, I am writing to dispute inaccuracies on my credit report related to the XXXX account # XXXX. This account is being reported as a charge-off despite the issuance of a Form XXXX, indicating that the debt has been cancelled. Continued reporting of this debt as charged off is inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Information Creditor Name : XXXX Account Number : XXXX Issue : Continued reporting of a charged-off debt after the issuance of a Form XXXX for cancellation of debt. 

Violations XXXX. XXXX XXXX. XXXX ( b ) : Credit reporting agencies must ensure maximum possible accuracy. Reporting a cancelled debt as charged off is inaccurate. 
XXXX. XXXX XXXX. XXXX ( a ) : The FCRA requires proper investigation and correction of disputed information. 

Requested Resolution XXXX. Remove the XXXX account from my credit report. 
XXXX. If the account is not removed, update the account to reflect a {$XXXX} balance and indicate that the debt has been cancelled. 

Supporting Documentation XXXX. A copy of my Form XXXX issued by XXXX, XXXX that the debt was cancelled. 
XXXX. A copy of my credit report with the XXXX account highlighted. 
XXXX. A copy of my government-issued ID and proof of address. 

Please investigate this dispute and provide me with written confirmation of your findings within 30 days as required by law. 

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

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit card

Synchrony Bank changed minimum payments to ensure the promotional balance was never payed in due time. Then they back charged 29.99 % interest. Also, when you enroll in Ebill/Autopay you do not automatically receive notifications, these are hidden in other tabs. This cost me {$3000.00}. If you enroll for minimum payments you will be hit with interest. They claim it is their computer that sets the rates etc. They are using predatory practices and deceptive payments to collect unreasonable interest rates. Do not EVER do business with this company.
Product: Credit reporting or other personal consumer reports

Midland Credit Management XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX To Whom It May Concern : I hereby inform you that you need to cease and desist all collections attempted against me. You are not licensed and bonded in my state of residence. Cease and desist all collections.

These two collections are being reported in my credit reports. I hereby request immediate deletion of my three credit reports : XXXX {$500.00} XXXX {$720.00} They are not licensed and bonded to collect from the state of Georgia. I am a legal resident of the state of Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number : XXXX 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX OH XXXX ; XXXX XXXX  Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00} ; XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I was reported 30 days late on my Kohl 's card on XX/XX/2018. I had reason to believe that I always made my payments on time. I am in the process of applying for a mortgage and my loan officer told me I was late. It was really heartbreaking to hear that. I tried disputing it with the credit bureaus but they said it was accurate but not sure how.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am hereby exercising my right under the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information in your database. The FCRA provides that consumers have the right to dispute any inaccurate information in their credit reports, ensuring that such information is accurate, fair and private. 

In particular, I request the removal of the following addresses, names and dates from my credit history, as I believe they do not accurately reflect my current situation : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This application is based on several provisions of the FCRA, which ensure the protection of consumer rights : Section 609 ( 15 U.S.C. 1681g ) : Right to receive the information contained in your file in a complete and clear manner, which allows me to identify the inaccuracies I now wish to correct.

Section 611 ( 15 U.S.C. 1681i ) : Obligation of credit reporting agencies to investigate any dispute of information submitted by a consumer within a reasonable time, usually 30 days, to ensure the accuracy of the data.

Section 605 ( 15 U.S.C. 1681c ) : Establishes the right to removal of inaccurate, outdated, or unverifiable information from credit reports, protecting consumers from inaccurate data.
Product: Credit reporting or other personal consumer reports

Recently, I've conducted an investigation on my credit report and have come to encounter numerous discrepancies and inaccuracies. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/2023, I made a purchase from XXXX XXXX in the amount of {$590.00} to be split into three payments of {$190.00} each onto my bank debit card. XXXX XXXX explained that I was purchasing a marketing system and I was thrilled about my purchase until XX/XX/XXXX when I was contacted by phone and text by one of his staff members, XXXX because he said that what I purchased would not guarantee my success. At that point, I felt as though I been scammed and was very discouraged and then I received a phone call from another member from his team and his name was XXXX XXXX. I explained to him that I did not want to continue with the program due to XXXX 's comments and I shared with him that I was extremely disappointed. XXXX said that XXXX made a mistake but I obviously did not believe him and I never utilized anything of the web information that was emailed to me because I felt as though I had been scammed and I told XXXX that I wanted to cancel and he kept telling me that he was going to send me some special package that I never received and I told him that I just wanted to cancel and he never responded after that again. XXXX XXXX charged my debit card twice in the amount of {$190.00} on XX/XX/XXXX and again on XX/XX/XXXX and Bank of America only provided provisional credit for the first charge because they are saying that this a fraudulent claim and doesn't fall under Regulation E. I spoke with them to file the original claim for both charges on XX/XX/2023 and they told me that there wasn't a specific time frame that they were required to follow for the claim process. I asked them what government entity regulated the bank regarding the handling of these types of claims and they said that they did not know and was not very helpful at all. They said that I was not entitled to a provisional credit for the second debit for the charge on XX/XX/XXXX because it didnt fall under Regulation E. I have been a bank customer for over 28 years and they have always treated so very poorly and I am going to take my business elsewhere very soon because I am tired of this treatment.
Product: Debt collection

I started to receive text messages on my cell phone in XX/XX/2024 from # XXXX claiming that I had a payment of {$34.00} due toward XXXX with a link to go to Affirm. I thought this was a SMSishing/fishing attempt to scam me. This repeated for a couple of weeks. On XX/XX/2024 I saw an email from an address with the Affirm name in it that said if I did not pay, it would go against my credit. I started to research online the same day to see what Affirm was and discovered it is a loan and credit type company. I procured the customer support phone number and called to start an account investigation. I have no information on the account outside the text messages and the email. They confirmed my name, address, phone number, and email address, then escalated internal ( case # XXXX ). I was told that the account was started in XXXX and a loan was taken out in my name for {$900.00}. I informed the customer support agent that it was not me, I would like the account locked down, and a fraud investigation started. I was told I would hear something back within 30 days. On XX/XX/2024 I read the email response from Affirm that their investigation shows that I did start the account and responsible for the payments. I never received a phone call for follow up or extra discussion, outside the email sent on XXXX and read on XXXX. 

I did not know this company existed and was legitimate until last week. I also do not shop at XXXX. I was not the person that opened this account or requested this loan. I have no login information for the Affirm site or an account number associated with this loan. That information has never been shared with me.
Product: Student loan

On XXXX XXXX my student loans were released from XXXX to Nelnet with the IDR ( Save Program ). I applied for PSLF and loan consolidation on the FAFSA website as I was told to do from the dept of ed. The Dept of education had an official 3rd party company XXXX consolidate my loans. They show XXXX as my loan originators. That is INCORRECT. Nelnet had my loans and was not notified by XXXX that the loans are consolidated and they were not paid for the loan consolidation. My PSLF/consolidated loans are with XXXX. Within the same week in XXXX I started receiving loan repayment ( bills ) from both companies for the SAME loans. I have contacted dept of ed, Nelnet, XXXX and XXXX. I have NOT been able to have the Nelnet loans removed from my fafsa dashboard or my credit score. Nelnet told me to have XXXX send information that the loans are consolidated. XXXX refuses to send any information because they received my loan consolidation from XXXX. They said they have nothing to send. The Obudsman office at dept of ed stated my Nelnet loans need to be marked paid in the system because my loans are consolidated and I am approved for PSLF. Only XXXX services PSLF loans for the dept of education.
Product: Credit card or prepaid card

On theXX/XX/2020, my sons allowance was allowed to be stollen from his current card. While he slept their lack of security allowed someone to charge at the same place,XX/XX/XXXX, Approximately 20 times in a few hours. They will not respond to us we must contact them only by text. They said if we would file a dispute form they would replace the money while the dispute is being challenged. When we check on it they text that they are still waiting for a response. They have not issued his Money back, they do not allow any contact, he has started school and has no access to his own prepaid money. We filed the dispute on XX/XX/2020 and no response and no money returned so he can remove it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Credit card fraud that was utilized at three different locations in the XXXX area on XX/XX/year> and XX/XX/year> for a total of {$670.00}. We immediately contacted the credit card company when we became aware of these charges. The credit card company indicated they would start a claim associated with the charges. On XX/XX/year> I received a letter dated XX/XX/year> in the mail that indicated they denied my claim. I then filed a police report with the XXXX Police Bureau regarding the fraud and submitted the report number to the bank over the phone through their Claims Resolution phone number on XX/XX/year>. I also requested the documentation that they utilized to come to the determination of the claim and they indicated it had already been sent out in the mail. To this date I have not received any of the backup documentation in the mail. I also received a claim determination date XX/XX/year> indicating they we're unable to approve my recent claim.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX, under the lease program with Mercedes Benz Financial Services in XX/XX/XXXX. At the end of my lease I turned the car into Mercedes Benz dealership, and purchased a new XXXX in XX/XX/XXXX. The dealership requested a pay off amount for the XXXX XXXX XXXX which  was being traded for the new car I had purchased. Mercedes Financial Services sent the dealership the payoff required with the full dollar  amount needed to complete the transaction on the old car. Three months later, MBFS sent me a bill for over {$6000.00} dollars on the old car I had just traded in, in order to purchased the new car. I was affected by COVID 19, and do not have the money to pay this debt, which should have been included in the payoff request made by the dealership. MBFS has also submitted a balance on this account, to all the major credit reporting agencies, on a car I do not have anymore. MBFS as set out to ruin my credibility on a car I have never been late on the entire time I've owned the car. I have never had a late payment on this automobile. The car dealership asked for the full payoff on the car, so I would be completely done with that car. I would like MBFS to show zero balance on this trade line at the major credit agencies.