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

To Whom It May Concern, This is a report about multiple violations of law by consumer reporting agencies such as XXXX, XXXX and Equifax such as 1. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) : reported information can not be only transactions and experiences between the consumer and the company.

2. 15 U.S Code 1681a ( 2 ) ( A ) ( iii ) : the consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act.

3. 15 U.S Code 1681a ( 2 ) ( B ) : if a transaction was authorized by a social security card, the real credit card first defined understand the Truth In Landing Act, this transaction must be excluded from a consumer credit report.

4. 15 U.S Code 1681b ( a ) ( 2 ) : consumer reporting agencies need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

5. 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : Unauthorized inquiries. 

The above violations were made in relation to the following accounts and must be corrected : 1 ) XXXX XXXX XXXX opened XX/XX/XXXX 2 ) DEPT OF EDXXXX opened XX/XX/XXXX 3 ) DEPT OF EDXXXX opened XX/XX/XXXX 4 ) DEPT OF EDXXXX opened XX/XX/XXXX 5 ) XXXX XXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX 6 ) XXXX XXXXXXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Capital Ones systems were affected and my direct deposit has been delayed. It is now two days late.
Product: Checking or savings account

I had did my taxes through XXXX XXXX. Through they Credit Karma services you can get your money early. I had got a {$2500.00} loan through them on XX/XX/2024. My virtual card was hacked through Credit Karma on XX/XX/2024 for about {$1500.00}. They investigated it and deposited the money in my account on XX/XX/2024 in the amount of {$1400.00}. On XX/XX/2024 I moved my money to my XXXX account. It was open for a few days and then they froze it they said to protect me. I been calling them since XX/XX/2024 starting at XXXX I was told to wait for an email. Even the automated system says wait for the email. I called back on XX/XX/2024 at XXXX I was told to wait for that email again. XX/XX/2024 XXXX called to see where the email is. And I called all day XX/XX/2024 my state tax was deposited. All this was supposedly on high priority. I have bills I need my money when my federal tax get deposited I want them to take their loan and give me my money. I did this with them last year and it always took a few minutes to clear it up. So this process for days and days is wrong. I have bills
Product: Credit reporting or other personal consumer reports

The following accounts were charged off and paid in full in accordance with the 26 CFR 1.6050P-1 by creditors policys. 
A discharge of indebtdedness pursuant to a decision by the creditor or the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. 


XXXX XXXX XXXX XXXX account # XXXX balance : {$3100.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX balance : {$18000.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX account : XXXX balance : {$11000.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX account : XXXX balance : {$36000.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX balance : {$5400.00} opened : XX/XX/XXXX
Product: Debt collection

About a year ago, I started receiving spam calls about an attempt to collect a debt and I notified the company that this was not accurate and they have the wrong person. The company was aggressive and of no assistance in getting this removed. Instead, the debt was submitted to the 3 credit bureaus. I spoke with XXXX, XXXX, and XXXX about this issue and provided adequate documentation proving this was a fraud collection account and identity theft concern. XXXX and XXXX removed the collections account and place a fraud freeze on my account to prevent this from happening in the future. Meanwhile, XXXX has been of no assistance and continues to violate my rights as a consumer which grants me the right to a fair and accurate consumer report. I have spoken with XXXX for over a year and have submitted the documentation and they have not removed the account from my report despite the documentation provided. They have provided lenders with inaccurate reports causing false denials, which has hurt me significantly. XXXX does not have my accurate demographic information in the system which is even a further reason I know they have not handled my account correctly.
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. 

Account name : 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 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.
Product: Credit reporting

I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX and on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete information still contained in XXXX XXXX # XXXX account after the dispute. 
1. Account opened on XXXX/XXXX/XXXX and no payment history is reported from XXXX XXXX. 
I have previously disputed this account and as of the last update the account still contains the inaccurate data. Enclosed is a copy of driver 's license, copy of the reporting of the XXXX XXXX # XXXX account, Copy of the Certified Letter sent on XXXX XXXX
Product: Student loan

I have received absolutely abysmal service from MyFedLoan Servicing. They botched my consolidation process, they overcharged my interest rates, they provide completely inaccurate information from person to person, and they also have botched my recertification for income based repayment plans -- sending me notices to pay astronomical amounts when I have proof that I filed the appropriate paperwork 3 months prior. They are a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my current credit report for the month of XX/XX/2020. I noticed that Transunion is inaccurately reporting the following Inquiries without my consent. 

1 ) XXXX XXXX on XX/XX/2020, I did not give transunion permission to release my information to XXXX XXXX XXXX, This action is a violation of federal law Section 1681 of FCRA rules. 

2 ) XXXX XX/XX/2020, I did not give my consent for TransUnion to release my credit information to the company under the name XXXX, there was no permissible cause, no line of credit was awarded, no loan was awarded. This is a violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT FTC AND CFPB WITH XXXX, XXXX, AND EQQUIFAX TAKING LONGER THAN 30 DAYS show tooltip button XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX/XXXXXXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 34 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 31 accounts, 14 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 42 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported
Product: Checking or savings account

XXXX fraudulent transfers made Send-on date : XX/XX/year> From : 4 % savings... XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$4900.00} Transaction # : XXXX Send-on date : XX/XX/year> From : 4 % savings... XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00} Transaction # : XXXX US Bank took no action to recover funds and by the time law enforcement was involved the funds had been taken out of the other amount as cash. Police tell me that the other account was opened under a stolen identity and there are no suspects. US Bank has denied my claim multiple times. They said that it wasn't fraud, and when I provided the police report number they denied it again because it was a duplicate claim. 

Police case number XXXX ( XXXX WA )
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I cant figure out why this has happened. Ive always been diligent about checking my credit, but now there are errors that seem to have appeared out of nowhere. I even refreshed the browser multiple times, praying it was a glitch, but nothing changed. Please, I am begging you to double-check the documents I sent so I can finally stop living with this constant XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXX/XX/XXXXI received a letter from XXXX/XXXX XXXX dated XXXX XX/XX/XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XX/XX/XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXXXX/XX/XXXXat XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX.My call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXXXX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXX.THIS IS FRAUD
Product: Credit reporting or other personal consumer reports

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case! 

Furnisher Account Number XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Credit Report!

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Product: Debt collection

My ex - wife used my name to get into a apartment without my knowledge. We have been separated since XXXX, I never lived under this address. The divorce was finalized XX/XX/XXXX NATIONAL CREDIT SYSTEMS Account Name XXXX Account Number Collection Account Type Joint with Responsibility XX/XX/XXXX Date Opened Collection account. {$6800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$6800.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$6800.00} Balance Updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX XXXX XXXX XXXX on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Transunion, Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate, fraudulent or unverifiable accounts unresolved. The reported accounts on my profile has a lot of errors and dates and balances does not align with the other two bureaus which were fraudulently created. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian, Transunion and Equifax has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS.
Product: Student loan

I am writing to report a discrepancy in how my student loan balances are reported on my credit files with XXXX and XXXX. Upon reviewing my credit reports, I noticed that XXXX reports all older student loan accounts as having a {$0.00} balance, while XXXX reflects different balances for the duplicate accounts. 

This inconsistency concerns me as I am currently enrolled in school and actively managing my student loans. It is critical that my credit reports accurately reflect my financial status. 

I kindly request that this matter be investigated and that any necessary corrections be made to ensure consistency and accuracy in how my student loans are reported across all credit bureaus. Please let me know if additional information or documentation is needed, and I will promptly provide it. 

Thank you for your prompt attention to this matter. I look forward to your response and confirmation that the issue has been resolved.
Product: Vehicle loan or lease

XXXX I purchased a vehicle from XXXX 's XXXX XXXX. I put a XXXX  down payment and was provided a finance company through the dealership. The finance company Consumer Financial Services Co. I found out that the vehicle that was sold to me had odometer fraud done to it. The miles on the bill of sale did not match the miles on the title. The miles on the title did not match the miles on the vehicles odometer. The vehicle is a salvaged vehicle. The seller was notified and he tried to fix the problem by exchanging the vehicle for one that had a XXXXXXXX XXXX  on the left side passenger door. I told him I do not want a vehicle with a XXXX XXXX  to the left side passenger door for the fact that I have children. I do not want my children in harms way. He insisted that he was working on finding me a replacement vehicle but those were lies. The dealership where I purchased my vehicle from is known to sell cars that have nothing but mechanical issues. I found that fact out after I purchased my vehicle. I feel that my consumer rights have been violated under ( 815 ILCS 405/17 ) ( from Ch.121 1/2, par.517 ) due to the fact that the holder has knowledge of the seller selling nothing but vehicles with mechanical issues, odometer fraud being committed to the vehicles being sold by the seller, before I signed the retail installment contract. Another violation of my consumer rights ( 815 ILCS 405/4 ) ( from Ch.121 1/2, par 504 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, there are fraudulent unauthorized inquiries on my credit report
Product: Checking or savings account

On XX/XX/2024 my primary checking account was frozen and placed on restricted access. I placed two phone calls to the support line that told me that they couldnt do anything and that the security fraud team was going to review it and that I just have to wait.

I called again in the morning and was told that there was nothing I could do and that I just had to wait. I asked to speak to the supervisor but was told that there was no supervisor and that she was the last line of support I could speak to. I asked to speak directly to the security fraud team but said they dont contact the public and dont have a phone number. After that I was given no more information and she hung up on me. I wasnt done talking and was hung up on. 

This is my primary account and I need to pay my bills and my rent. Its very frustrating and the lack of customer service is appalling.