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

Under XXXX5 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

First off the car was originally priced at {$12000.00} and the finance company charged over {$19000.00} with the interest rates. I'm paying {$400.00} a month because they said I'm behind in my payments. Now I have repairs on my car they has to be fix or else I won't be able XXXX XXXX it. Therefore I'll lose work. I purchased the car back in XXXX. It's a XXXX XXXX XXXX XXXX. It's impossible for them to charge that much money for a car that was 7 years old at the time of purchase.
Product: Credit card or prepaid card

I have been trying to get help with both my Citi Card accounts. Our income has been affected by the COVID-19 virus, all I am getting is the run around. Hours spent trying to get help. I have 2 Citi cards accounts ending in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.s/items which do not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I had a grant sent to me by my employer for {$1500.00}, and I didnt receive the money. Zelle reported to the company the payment was completed successfully. Everytime I called zelle they would hang up on me
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Product: Credit reporting

I received a TPD discharge on student loans. XXXX has notified all Credit Reporting Agencies. XXXX loan holders are still stating that I have made late payments, these are supposed to be removed from my credit report after TPD discharge. In addition, the discharges are reported as transferred over to a new agency, which is a negative report. I cant find out from Credit Reporting Agencies or XXXX if it is an error in the way XXXX reports to the reporting agencies or how the agencies are documenting. Either way, a TPD discharge should not drag my credit down, it should improve. It has been over six months with no resolution Thanks
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX  XX/XX/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
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/XXXX when I looked on my credit report with XXXX XXXX and Experian there was a dispute on all of them that I had no knowledge of when questioned the XXXX bureaus I was told that XXXX XXXXXXXX XXXX XXXX was allowed to put a charge off back on my account that had been previously deleted a few months ago and was told the account had never been blocked as asked in my previous complaint. On XX/XX/XXXX XXXX XXXX I contacted XXXX XXXX XXXX XXXX directly and I spoke with XXXX at XXXX am l spoke to XXXX and XXXX and was told l couldnt speak to anyone in the fraud department so I was left to contact an attorney to start litigation. Although I am a victim of identity theft I was told its not against the law to report inaccurate unverified information on my credit report at this point l am devastated because of the fraud and level of dishonesty. I was told by the three bureaus that I was told that I couldnt send supporting documents because they allowed someone to commit fraud by having access to my credit report without my knowledge at this point l need help l have no other negative information on my report except for this fraudulent XXXX XXXXXXXX account that I have no knowledge of and is not in any way connected to me l do have a FTC report and the bureaus nor XXXX XXXX XXXX XXXX is not willing to do anything to rectify the situation I am asking that the account be blocked and deleted as I have already shown that in previous months also in reviewing the information on my credit reports the dates and amount for XXXX XXXX XXXX XXXX  is different please help me in this matter
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX XXXX on my report but they broke the law on multiple occasions. XXXX XXXX stole my property in my car, didn't follow court procedure and sued me in the wrong county. I was never informed of the auction. Please remove this completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company is listing a bankruptcy on my report which is a error and haven't been verified.
Product: Debt collection

This company Professional Debt Mediation contacted me today about an account that I am not responsible for. The guy whom I spoke with was very rude and very unprofessional. I tired to explain to him that the property   XXXX   XXXX   I never stayed in. However, I did apply but my credit was never ran and the property manager   XXXX   XXXX   advised me that I had nothing to worry about because he did n't run my credit and asked that I paid him {$390.00} under the table in order for him to approve my application without running my credit. So, today I get a call about an unpaid balance of {$1500.00} that I know I do n't owe. I advised the guy to cease and desist he still proceeds to collect information. I called back to get the company name and some guy refused to tell me the name other than PDM, I asked several times the meaning he refused and hung up on me, unprofessional. I will be seeking an attorney, and I will file a suit against Professional Debt Mediation along with   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 AFTER COVID!! I ran my report and noticed that an account for XXXX XXXX was opened! Well I immediately called and reported it. Had account closed! Well now 2 1/2 years later Im thinking it is off my report and just couple days ago they report it as a charge off for XXXX.2 1/2 yrs later after I called immediately when I seen this was on my report! This was to be taken care of and I was insured that I would not be responsible since I DID NOT DO THIS! As much fraud that went w/CovidSomeone used my information from that XXXX store to obtain an account. We left the store and didnt even get phones!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep getting calls from different accounts open in my name and its not me identity and fraud
Product: Credit reporting or other personal consumer reports

I requested for grace in making the payment and they agreed to it. Never told me about the forebearance or plan of some sort. I got fooled and cheated in a way. I was told that nothing would be reported to the credit bureau for this as I am not delinquent etc. I am upto date with my payments and I am in good standing with M & T bank who is my mortgage lender. I need help fixing this as I am in the process of buying a new home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinvestigation of Inaccurate Information on My Credit Report Pursuant to the CARES Act, FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) and ( b ), 1681g ), and TILA Dear TransUnion Representatives : I am writing to dispute inaccurate information regarding the XXXX account that appears on my credit report. Specifically, I dispute the following : 1. Late Payment in XX/XX/XXXX : This late payment occurred during a period of financial hardship caused by the pandemic. I request that this late payment be removed under the protections of the CARES Act.

2. Incorrect Payment Status Since XX/XX/XXXX : Although the payment history was updated to reflect on-time payments, the XXXX account still shows a 120-day delinquency from XX/XX/XXXX onward. Additionally, the account status indicates that it is paid in full, but the payment history continues to inaccurately report severe delinquency. This information is contradictory and therefore inaccurate.

Attached to this letter is a copy of the credit history showing these inaccuracies. Please review this evidence and make the necessary corrections.

Legal Basis for the Dispute : 1. CARES Act : The CARES Act requires creditors to accurately report the status of accounts for consumers affected by the pandemic, reflecting any relief measures properly and ensuring no unjustified negative marks are reported.

2. FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) and ( b ), 1681g ) : 1681e ( b ) : Credit bureaus must maintain reasonable procedures to ensure the accuracy of credit reports.

1681i : I request a thorough reinvestigation of this information and the removal or correction of the inaccurate data.

1681s-2 ( a ) and ( b ) : I request that you contact XXXX to update the information and ensure compliance with accurate reporting obligations.

1681g : I request a detailed report of the reinvestigation and a copy of my updated credit report once the corrections have been made.

3. TILA ( Truth in Lending Act ) : It is crucial that the account status is reported accurately to comply with this law, as the lack of clarity may constitute a violation.

I request that the inaccurate report of the 120-day delinquency be corrected immediately and that the account status be updated to reflect that it is paid and current. I expect a resolution within the 30-day period required by law.

Thank you for your attention to this matter. I look forward to your response and a corrected credit report. 

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

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the letter I sent out and the tracking numbers are listed in the added evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.Im not sure if the bureaus XXXX XXXX or Experian have their own interpretation of the law but there are standard operating procedures used to verify information and it wasnt properly done because as you can see there are still many inconsistencies within my report see attached documents for highlighted items. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Listed in the attached documentation lists violations and items that need to be deleted because they are reporting inaccurate across all three bureaus.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is being filed due to Experian not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate ( Field 18 ) payment status information on my credit report. As per XXXX Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX in regards to the violation of my rights by XXXX XXXX as well as damages caused by these " errors ''. The account in violation is reported as XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I have exausted every avenue possible in obtaining my report and data that TELECHECK is providing and selling.Every Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the VA for being a XXXX XXXX XXXXXXXX vet. I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 happened with all three dealers and involve XXXX XXXX, Equifax and XXXX credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these inquiries removed immediately. 

If you have any questions, you can contact me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX  account # XXXX 2. XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau XXXX
Product: Credit reporting or other personal consumer reports

I did not authorized this company or have a contractual agreement for this company to view or report anything to my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the reporting. This is a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

I was forced to pay a down payment. Which is illegal lets start there. Then the company violated a cease and desist order multiple times. I was contacted through third parties, us post mail and phone calls from both the company and debit collection. I never received any tax documents regarding the charge off. The company also had the vehicle repossessed and in that process damaged the front suspension, emergency break and transmission of the vehicle. Then extorted me out of {$5000.00} in order to get the Charged off and damaged vehicle back. All while violating a long list of laws and us codes such as 15 US Code 1605 Definition of a FINANCE CHARGE Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission 15 USC 6802 15 USC 6803 15 USC 6804 MCL - Section 333.16233
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 a account without my written instructions. 

1. XXXXXXXX XXXX account XXXX balance {$1400.00} 2. XXXX XXXX XXXX account XXXX balance {$16000.00} 3. XXXX, XXXX account XXXX balance {$460.00} 4. XXXX XXXX  account XXXX balance {$480.00} 5. XXXX XXXX account XXXX balance {$1300.00} 6. XXXX XXXX account XXXX balance {$17000.00} 7. XXXX XXXX XXXX XXXX XXXX, IL XXXX 8. XXXX XXXX XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX, IL XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Multiple phone calls while I was working, multiple emails, never did get a direct answer from them regarding the matter. They never verified/validated the debt they were trying to collect. Overall very rude and disrespectful and despite multiple attempts to dispute it to have it erased, I have had no success.
Product: Credit card or prepaid card

I was listed as an Authorized user on a my mothers Wells Fargo Credit card. I have asked several time to me removed form this account with no help from Wells Fargo and them also telling me it was to bad your on and can't be removed. My Mother has since claimed Bankruptcy and that card was filed in it and has been closed. I have ask since then also to have the information removed with not help what so ever.