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

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my TranUnion credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiries : Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please find enclosed the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint in reference to the previous complaint about LexisNexis. i have disputed the inaccuracy on my clue report that was place by XXXX  XXXX they have done a investigation and they said after they investigated and got reports from XXXX  they said it was accurate. I then in turn filed for a reinvestigation and in turn they reported back to me that the information collected from XXXX  for the reinvestigation was accurate. i provided them with accurate information and they still refuse to remove the inaccuracy. then i filed complaint with the CFPB and they still didnt remove the inaccuracy. according to the consumer laws, I am the consumer and have consumer rights, in which they are violating. LexisNexis is aware of these inaccuracies and are negligently reporting false information. usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE CONSUMER.
Product: Vehicle loan or lease

On XX/XX/XXXX, I sent a payment of {$300.00} to Commerce Bank via my online banking with XXXX XXXX. This was more than my regular payment amount. The payment was received by XX/XX/XXXX, and cleared my bank XX/XX/XXXX, as supported by the attached documentation. I had been a couple payments behind due to unemployment last year, but they knew this based on many conversations with customer service.

This company is chronically slow at receiving and applying payments to my account, unless I pay the extra fees required to pay over the phone.

OnXX/XX/XXXX, the vehicle was repossessed. I was told they had no record of my {$300.00} payment, itt was out for repo for being 79 days behind, and they would not approve reinstatement of the loan due to me being behind. After a couple of hours it took them to get my information together to get the car back, I was quoted {$5800.00} to get my car back, including fees, I immediately wired the money per their instructions and got my car back later that day, after paying an additional {$130.00} to the towing company. I was told it would take 10 days or so to get my {$300.00} back.

As of XX/XX/XXXX, I had not received my {$300.00}, so I called. After they had to research it, I got a call onXX/XX/XXXX saying they received the paymentXX/XX/XXXX and it would be 14 days from that date before I would get the {$300.00}. The attached documentation clearly shows they received it and it cleared on the XXXX. Their slow payment processing is what led to the car getting repossessed. I never did get a letter or voicemail saying that it was going to get repossessed.
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 violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C.1681 C. ( 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 convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) 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

Portfolio Recovery is reporting a collection in my name that isn't mine to both XXXX XXXX, and XXXX I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Product: Vehicle loan or lease

I voluntarily repossessed my vehicle with Alley Financial due to losing my job. The vehicle was picked up, taken to an auction and sold for profit. Alley Financial then sent me a balance due that included two months car note, towing and recovery fee, auction fee and a storage fee. The vehicle was also charged off for tax purposes where as Alley Financial received a tax break. This should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX  Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 

I sent a letter on XX/XX/2022. Here is my tracking # XXXX for XXXX XXXX XXXX Reference # XXXX to remove my personal information and prove this debt. 


According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution should share my information with a third party.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me from when they receive dispute information.

These are clear violations of my federally protected consumer rights.

They violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I'm personally filing this complaint about late payments on my credit report. Upon review, I discovered these entries. I sent letters over a month ago but received no response or adequate validation. I'm requesting your help to resolve this quickly.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation.

On 04/30/2024, I wrote to you requesting an investigation into items that I believed were furnished without my knowledge and without my permission .To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I am now demanding for removal Since this is my THIRD, request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these accounts are also in violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports.I never gave neither party any written signature that allows for these to be furnished upon my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I ordered a free credit report from Expierian and everything was wrong ... The Name, SS number, past addresses, past employment, all wrong ... My student loan in good standing wrong. My open accounts in good standing mostly missing. There are multiple hard inquiries long expired still there ... They are reporting incorrect information to people who inquire and I have proof they keep giving XXXX XXXX the wrong score ... I can see a score of XXXX on the app but its wrong as it is and should be about XXXX points higher however they gave them a score of XXXX and thats why I was denied ... Their misinformation is affecting me buying a home and getting new lines of credit ... I went through the report and corrected each thing with pen and marker and mailed it back with a written notice that all the information was wrong and to correct it and send me a corrected copy of the report ... They have not corrected anything and its been 6 months almost ... They have made it so I cant dispute through the app and I cant get through when I call in ... Its not fair, they can see from the other 2 agencies theyre wrong ... They should have to remove all inquiries that took place this year since theyre based on a dispute they never handled and a score thats not correct since they have not updated my file and removed anything they should have removed when it was supposed to fall off ... Theyre ruining my life ...
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company is giving me the run around I have been trying to get a modification for several months. They have ask me to supply documents over and over again I have faxed all my financial information such as income tax returns, bank statements, and paystubs. But now they still asking me more proof of income which I have sent them several times. When I call to speak my loan specialist I never can I always speak to the next representative who is n't handling my case. I was just sent a letter saying that I need a contributor package and two months bank statements or proof of income. Im very exhausted because I been sending in everything they ask for. I feel that they do n't want to give me a loan modification they want me to just give up. That 's why I need your help and guidance. Please help Thank You. The name of the mortgage company is Nationstar Mortgage
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : DPT EDXXXX # XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT ED/AIDV # XXXX, Account name : DPT EDXXXX # XXXX Account name : DPT EDXXXX # XXXX Account name : DPT EDXXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
in accordance with the Fair Credit Reporting act XXXX Inquiry XXXX  date XX/XX/- XXXX, has violated my rights. 


Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report and to bring to your attention violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. My personal information was compromised in a data breach, leading to identity theft and the presence of unauthorized accounts, incorrect names, and addresses on my credit report. 

Violation of FCRA Section 607 ( b ) : Equifax has failed to maintain reasonable procedures to ensure the accuracy of the information included in my credit report. As a result, my report contains unauthorized accounts, incorrect names, and addresses that do not belong to me. These inaccuracies are directly related to the breach of my personal information. 

2. Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : I have disputed the inaccurate information with Equifax, requesting that the accuracy of these disputed items be verified. Despite this, Equifax has not conducted a proper investigation or verification, and the incorrect information remains on my credit report.

Breach of Personal Information : My personal information, including my Social Security number and financial account details, was compromised in a data breach. This breach has resulted in identity theft, which has caused unauthorized accounts to be opened in my name. I have reported this breach and the subsequent identity theft to the appropriate authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is primarily in regards to Both XXXX, Equifax and XXXX with specific focus on XXXX and EQUIFAX : I have unsuccessfuly been able to reach to ANY actionable results with XXXX over the course of the past two months as it relates to disputing inaccuracies and false information on my Credit Report. The same is True for Equifax. 

My last attempt with XXXX failed as every time I attempted online to find a way to dispute derogatory collections I was directed to " provide my credit card information '' without any explanation as to why or what is was going to be used for. So " Accessing '' my credit report through XXXX involves a forced " Payment Plan '' before even being able to " Dispute ''. 

Through many hours of research I finally got a customer service number to reach a " human being '' and guess what?, pretty much like Equifax, I was now speaking to a XXXX who was asking me for my Personal Social security Number. This was something I was not prepared to give out so willingly and had to ask several times if I was speaking to an American based office in which I was finally told " No ''. 

I went ahead to explain my issues and sought clarification as to why I was being asked to provide my credit card information through a XXXX portal without being given reasons as to what I was paying for and this rep danced around the question as expected. Now lets be clear, I only want to dispute the following on My XXXX : -Duplicate Amounts from the Same Collection Companies - The fact that said Accounts ( Medical ) were not mine - Inaccurate/Similar Names on my Credit report which are actually family members -Inaccurate/Incorrect Addresses and Places of Employ This was a very similar issue or issues with Equifax At the end of it, this person, who grilled me from the XXXX on behalf of XXXX and Received my social security number stated that Her Department can not handle said issue and she would need to " Transfer Me '' to another Department. WOW!!! 
Disbelief and utter shock. 
I was then transferred but NOW, I was speaking to an XXXX Gentleman with a very strong accent who proceeded to re-qualify me before I could even get to my issues. I refused and He stated that he will transfer me to His American Counterpart. 
Of course, this without giving me a direct number. Needless to say, that number was not operational at that time when transferred and NOTHING was resolved on my end. 
This is NOT the way American Companies are supposed to Treat American Citizens of Residents. This is NOT right.
Product: Checking or savings account

I deposit a business check at a bank of america local branch center on the XX/XX/2023 for the amount of {$83000.00} on my business checking acount ending in # XXXX. So the agent " XXXX '' mention that he calls me back saying that he wasn't able to help me deposit this check into my account because that the check was made before the business were opened, I clearly correct his error with proof with this issues and ask him to deposit the check without having me going back since the branch was already CLOSED, and theres no need for me to pick up the check and have him re-deposit which its already deposited. but he told me to come back tomorrow and pick up my check, andways i call many times and this is like him report or adding adding addition issues or problems thats might cause to my acoount, and finally i not to able to login onine banking. this period of time of time im just not able to go to the branch and just like NO options ways to verify me .ridiculous.
Product: Credit reporting or other personal consumer reports

An joint auto loan was opened through Credit acceptance on XX/XX/XXXX. The vehicle was voluntary surrendered on XX/XX/XXXX. However the lender did not update the account as closed/charge off/voluntary surrendered, account reflect as open and continued to report as late payment, accruing interest each month. Writer believes that the lender has reported account inaccurately and unfairly according to the FCRA 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent, nor benefit from or authorize any of the following Accounts : BANK OF AMERICA - Account # : XXXX - {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXcount # XXXX XXXX Account # XXXX XXXX Account # XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. StatesI 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: Checking or savings account

For YEARS, I have received dozens of generic and targeted offers from Chase inviting " Our Neighbor '', me personally, and others who haven't lived at this address for YEARS, to open a checking account with a monetary enticement. I have not now, nor would I ever, open a checking or savings account with Chase, and I especially don't want their junk mail. Despite numerous letters and calls requesting removal from ALL mailing list Chase maintains, we continue to receive their junk mail. I want it to stop ... ALL of it. It is beyond me how a company appears to be completely indifferent to removing my name, outdated names/information, and our street address to eliminate and prevent all unsolicited offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( 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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX FUNDING XXXX XXXX XXXX XXXX XXXX FINANCE XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX CORP XXXX XXXX