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

TransUnion keeps lowering my XXXX XXXX whenever I pay off my revolving credit card as if it was a traditional loan. I have contacted them about it and they told me that I cant dispute my score being lowered. The other credit bureaus are not doing this. The first time it was lowered by XXXX points and again XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating XXXX  [ XXXX  ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ XXXX  ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report that are hurting my ability to obtain credit.
Product: Vehicle loan or lease

Infiniti Financial Services took {$410.00} from my bank account on XX/XX/04 after my lease was ended and will not return it for at least 21 days. they are offering no internal escalations and indicated that no one there can redeposit the funds they wrongfully took from my account until " the system automatically reconciles ''.
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. 

XXXX. Account name : XXXX XXXX XXXX, ( Closed Account ) XXXX. Account name : XXXX, XXXX Closed Account ) XXXXAccount name : XXXX XXXX, ( Hard Inquiry ) 4.Account name : XXXX XXXX ( Hard Inquiry ) XXXX name : XXXX XXXX, ( Hard Inquiry ) 6.Account name : XXXX  XXXX XXXX, ( Hard Inquiry ) 7.Account name : XXXX XXXX XXXX, ( Hard Inquiry ) 8.Account name : XXXX, ( Hard Inquiry ) 9.Account name : XXXX XXXX, ( collection ) 10.Account name : XXXX XXXX XXXX ( collection ) 11.Account name : XXXX  XXXX XXXX collection ) 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 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.

These inaccuracies are preventing me from providing housing, transportation, and other living means for my family. I am taking all of the necessary steps to fix my report and would like some support from the CFPB.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency 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 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.
Product: Debt collection

XXXX XXXX card services bought my XXXX XXXX   account which should have been discharged in a bankruptcy that was discharged in XX/XX/XXXX. The account was correctly updated on XXXX and XXXX, but XXXX XXXX will not correctly update XXXX, nor will XXXX follow suit with the correct information being reported to XXXX and XXXX. I have disputed through XXXX and the results were " account verified ''. Again, this account was discharged in a Chapter XXXX. As of XX/XX/XXXX, this account continues to report to XXXX   and now states the account is 150 days late. This is damaging not only my credit rating, but also causing unnecessary stress. 

XXXX XXXX refuses to delete inaccurate information from XXXX, and they continue to harass me with phone calls despite my communication via XXXX ( disputes ) that the debt was discharged. Furthermore, I informed XXXX that XXXX and XXXX had the same account information reporting correctly, but XXXX refuses to follow suit. 

Thank you for your assistance.
Product: Credit reporting

I noticed information that did not belong to me on my credit report and reached out to this company to dispute that information. When the dispute was finished, however, the information was still on my credit history.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute with Discover Card regarding a transaction for XXXX dollars - the Merchant had fraudulently/incorrectly shipped a product and had mentioned that I should simply decline the shipment and they would refund the monies. This was on XX/XX/XXXX. 

After declining the shipment when the merchant refused to refund the monies I filed the dispute. Dispute # XXXX. 

On XX/XX/XXXX Discover sent me the following message " A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. '' When I contacted them on why the charge was valid since I had shown proof that the vendor had already recieved the product back and was refusing to refund the monies - discover mentioned that they closed the case prior to me sending them additional information ( I had sent them the proof immediately on receiving it from XXXX ) so now there was nothing they could do. 

They suggested I email them the communication from the vendor showing additional proof which I did on XX/XX/XXXX. Even after this Discover contends that the information is insufficient and refuse to explain why they will not refund the monies when they have the proof that the vendor has the shipment and I still do not have a refund.
Product: Checking or savings account

My name is XXXX XXXX XXXX Got an alert that my XXXX XXXX and Ineed acces mail me the card debit to this address Wire to this account thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca Zip XXXX XXXX Send check or debit card Router # XXXX Account # XXXX Sincerely XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX XX/XX/XXXX, and a collection account opened at XXXX XXXX XXXX ( XXXX XXXX XXXX. ) on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXXS Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I see XXXX hard Inquires on my report that I didnt file for some are from states ive never lived in and or even visted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have purchased a new vehicle year XXXX  with Toyota,after having so much problems with the engine.i decided to give it back XXXX after 2years of paying the loan.i was fed up.The dealer where I purchased this vehicle has promised me to clearance of the loan with Toyota financial.for past three months I noticed a delinquency in my credit report.i have reached out to them many times.i have send letters debt validation letter.nothingIt’s hurting my credit bad.please help.thank you.
Product: Payday loan, title loan, or personal loan

I took out a {$400.00} loan on roughly XX/XX/2017 under the guise of a high interest rate and {$120.00} payment per pay period but now I am being told the {$400.00} payday loan will end up being {$1400.00} with interest! Even if paid it off early. 

Right now my total amount due is supposedly {$800.00} and thats {$400.00} principal and {$400.00} interest! 

I have revoked ACH authorization from the group ( after reading stories of similar situations ) and will be happy to settle this matter but not for {$1400.00}. That has to be illegal. I feel based on similar type loans that {$500.00} would be fair in payments I manually initiate every 2 weeks when I am paid. 

Through further research I have discovered that this group is facing multiple class action lawsuits. XXXX XXXX XXXX Thank you
Product: Debt collection

I am writing to bring to your attention the inaccurate information present on my credit report. I demand that you take immediate action to investigate and rectify this issue. I have noticed that the following information is incorrectly reported : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. I remind you that the Fair Credit Reporting Act ( FCRA ) defines the aforementioned inaccuracies as billing errors that must be corrected. The FCRA mandates that all credit information reported must be accurate, complete, and up-to-date. I demand that you take immediate action to rectify this issue. I expect to hear from you within 30 days of receiving this complaint. If you fail to respond within the given timeframe, I will have no option other than to take legal action against your bureau. I urge you to take the necessary steps to rectify this matter as soon as possible. If you have any questions about my request or the credit information in question, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH XXXX ( XXXX ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS FRAUDULENT ACCOUNT XXXX # XXXX TO BE FURNISHED ON MY XXXX TRANSUNION XXXX I HAVE KNOW XXXX XXXX THIS ACCOUNT I HAVE FILED A POLICE REPORT OF FRAUD. PLEASE DELETE PROMPTLY THANK YOU SIRS/MAAM ACCORDANCE WITH XXXX XXXX XXXX XXXX XXXX ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE FRAUDLENT ADDRESSES NAMES ACCOUNTS TO BE FURNISHED ON MY TRANSUNION XXXX XXXX XXXX XXXX THE READ : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, TELEPHONE # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX PLEASE DELLETE THESE IMMEDIATELY I HAVE KNOW KNOWLEDGE OF THIS FRAUD! 
I am willing to prosecute.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Mortgage

XX/XX/2014, I refinanced my mortgage on a rental property. Because of delays in the loan process by the lender, the close was delayed. This was at a time when my previous mortgage servicer was paying taxes. Taxes were escroed in the new mortgage to pay off taxes due in 2014. Taxes were paid by the old mortgage and the new mortgage company and were refunded to new mortgage. I raised the issue to the new mortgage company and they let the 3rd party closing attorneys know what was going on. I was refunded different amounts to reimburse for taxes that were described as " Double Paid ''. A {$290.00} tax payment was not paid on my behalf. I was not privy to this non-payment. Loan Depot was made aware and paid after penalties and fees were applied. I was not aware for more than a year later when I investigated why my payment changed so abruptly. I have asked Loan Depot to reimburse me for the amount paid in fees and penalties on my behalf without my knowledge ( {$220.00} ). Loan Depot has ignored my request and never responded to my inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX & XXXX account # 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 an account without my written instructions.
Product: Debt collection

Dobberstein Law XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX Lawsuit filed against me and I had no idea about the debt. Dobberstein sent all information to the wrong attorney. I am represented by XXXX XXXX in XXXX, WI. Dobberstein sent any notices for collecting debt to XXXX XXXX, who is not my attorney. There is currently a court hearing for a judgment filed against me in XXXX XXXX. I was not aware of the case until I received junk mail from lawyers to be represented in court. They have violated my rights by sharing my debt information with someone other than me, my spouse, or my attorney.
Product: Debt collection

a couple of years ago when I cancelled my XXXX account, I made sure the equipment was returned and cancellation went into effect prior to the next bill due. During this process XXXX was in the process of being bought out or merged with Charter Communications ; I started receiving a bill from XXXX, even though everything was returned and service cancelled. I called them to let them know I had received a bill and was on hold for 20-30 minutes at which time the representative let me know I could disregard the bill. Several months later, I received another past due bill, I called again and again the representative said she would make sure the bill would be taken care of. Months went by, sometime last year I received a collection notice from Amsher Collection Services, and the following month they started calling me 2 or 3 times a day during odd hours!! I spoke to a representative from Amsher letting them know I wasn't responsible for the bill and that they were calling at XXXX disturbing my kids sleep!! They hung up on me! 2 months later I have a collections item from Amsher/Charter for {$140.00} from XXXX which I'm not responsible for! They put a collections record on my XXXX credit report . This is crazy!
Product: Credit card

I disputed some unauthorized transactions more than 60 days ago and they have not credited my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't believe that I continue to deal with these issues from the credit bureaus. How is this legal? Experian, XXXX and XXXX, all say that they have reviewed my reports, and everything is reporting as it should. Everything is accurate, no mistakes and its XXXX XXXX XXXX who owns these accounts. None of the accounts I question have any errors and it's been 100 percent verified. Well i have again more proof that I continue to collect and use for a later date if these items are not removed immediately. Account # XXXX is not only on my report 4 times from the list above. The part that stands out the most is how they all have different last active dates! How do you all have the same account that was supposed to be verified as 100 percent accurate report 4 different last active dates! Are you purposely trying to get sued for breaking the law?? 
Remove these accounts immediately from my credit profile for reporting inaccurately, failing to investigate, and falling to verify these accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I first notified the credit bureaus equifax, XXXX  and XXXX  of fraudulent accounts I noticed reporting on my profile. I have sent XXXX certified letters asking the credit bureau 's to remove unauthorized accounts from my credit report. They responded with the accounts had been verified but refuse to tell me how they verified the accounts. They refuse to send any contact information of who they spoke with to verify these accounts. I have an active police report, identity theft report with the IRS and froze my credit profile. I sent the final certified letter on XX/XX/XXXX.
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 XXXX XXXX XXXX. 


Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Bank account or service

My husband and I have been with M & T bank since they came to our area. We are deeply in debt, but have NEVER missed a payment. I was laid off XX/XX/XXXX and lost my Health Insurance.I then learned I need a new hip. I had to quit my job. While I have found a XXXX % discount on the Hospital bill, it will still be around {$10000.00}. ( Sorry about this info, it just explains our current situation. Our savings are gone. My husband 's XXXX is gone. We have figured out a way to regroup, but we need a couple months. In the course of communicating with M & T bank since XX/XX/XXXX, I have made 9 phone calls. I have gotten Numerous different responses about re-aging two months payments on our Home Equity Line of Credit payment. These calls are all recorded by them. I learned that it 's possible to get Two months payments re-aged. However we can only get one month. I asked why and was told by various people that XX/XX/XXXX payment did n't count, then that XXXX 's did n't count and finally today that XX/XX/XXXX does n't count. I want to know why we ca n't get two months re-aged. Mind you, we have Never missed a payment until now. I asked to speak to the Supervisor, XXXX XXXX I was told I was being transferred to her. Surprise, Surprise - I got her voice mail. I have been trying to deal with this since XX/XX/XXXX. I know we are n't important as customers and that it 's all about money. If I can only get One month re-aged, I at least deserve a clear and coherent answer as to why. Why are they doing this to us? They really do n't want our house. I 'm not a stupid person. I 've never been jacked around so badly in my life. This is hard enough to deal with without such nonsense. I truly hope you can help me.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor any such debt, in fact therefore exists