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

XXXX XXXX dealer services  is damaging my credit by reporting a XXXX charge-off on an auto loan ( XXXX XXXX dealer services, partial account XXXX .... ) the original charge-off amount was for XXXX dollars which XXXX says was for a bounced check on the final payment of the auto in XXXX. 
However due to admitted error on the part of XXXX XXXX, XXXX  owed me XXXX dollars since XXXX for insurance charged that I didn't need.XXXX  discovered their error, and '' promptly '' sent me a check for XXXX dollars in XXXX. 
so at the time of charge-off in XXXX for a XXXX dollar amount.. 
XXXX has " discovered '' they have owed me XXXX dollars since XXXX..XXXX  sent a check for XXXX dollars for the " stolen '' funds for a fraudulent insurance scam ( cfpb court case resulting in XXXX XXXX dollar fine ) .YET XXXX XXXX WANTS TO HOLD ME AND MY CREDIT ACCOUNTABLE FOR A BOUNCED CHECK ... CLAWED BACK 47 DAYS AFTER THE CHECK PAID ... .EVEN THOUGH AT THE MOMENT OF CHECK BOUNCE XXXX HAS ADMITTED THEIR ERRONEOUSLY STOLE XXXX DOLLARS AND HAD BEEN HOLDING THOSE FUNDS SINCE XXXX. 
THE ATTACHMENTS HOLD THE INFO.WHICH CAN BE JUDICIALLY NOTICED EVIDENCE IN MY CASE LATER ON.
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. 
DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX Page XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 A states i have the right to privacy . 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.
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. 
Account name : XXXX XXXX XXXXXXXX name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX XXXX account name : XXXXXXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX account name : 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( 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 or other personal consumer reports

XXXX XXXX which reports TransUnion information posted a late payment from XXXX that allegedly happened in XX/XX/XXXXXXXX  on XX/XX/XXXX. This is a two year delay in reporting accurate information. My payment history has been 100 % during this time period and now it has changed. This is a violation of the Fair Credit Reporting Act 15 U.S.C 1681 which requires timely reporting. This is affecting my credit and the price I have to pay for credit. I am currently in the process of of purchasing a home and this will affect me negatively.
Product: Mortgage

I keep receiving calls at XXXX to collect payment on my mortgage. My wife and I both work and have a child who sleeps very lightly and is awoken when these calls come in. We have never missed a mortgage payment past its 30 day due date but are harassed as if we are delinquents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

I was contacted by SuperlativeRM about Money I owe. They claim it is related to my visit to XXXXXXXX XXXX XXXX I have fully settled the debt with XXXX XXXX XXXX  already. I do not owe any money on this XXXX  visit, which was in 2018. XXXX XXXX has gone bankrupt since my XXXX visit and there is no information provided on what I owe.
Product: Credit card or prepaid card

Transaction date : XX/XX/22 Amount : {$250.00} I am an XXXX XXXX stationed in XXXX. While vacationing in XXXX last XXXX ( XXXX ), I purchased a beer at an establishment. They proceeded to charge my credit card for {$250.00}. The correct amount should've been {$240.00} and that is the amount I am disputing. Unfortunately, I did not notice until I had left the country so I could not raise the issue with the merchant. The credit card company XXXX XXXX XXXX, which is serviced by XXXX XXXX ) outright refuses to send me the alleged evidence they collected to arrive at their conclusion. They chose to leave me in the dark and this is unethical.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights.

They stated that everything was correct and accurate.

This is not possible as there are multiple discrepancies with each account. Some of these accounts were paid in full. Some were opened and closed on improper dates. Missed payments that were not missed, etc.

Illegally shared payment history and personal information with debt buyer companies.

I have listed all applicable laws below that these companies broke : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy 15 U.S.C 1681 Section 604 ( A ) ( 2 ). States that a consumer reporting agency can not furnish a account without my written instructions and consent.

15 U.S.C 1681 Section ( A ) ( 5 ) States that 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. 1681 Section ( 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

The following accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.
Product: Money transfer, virtual currency, or money service

Zelle failed to include fraud checks during the inception of the app leading to Zelle transactions following through by mistake. Zelle did not include a way for consumers to double-check that their money was being sent to the right receiver. When contacting Zelle for additional assistance, Zelle failed to provide adequate support on how to resolve that issue.
Product: Payday loan, title loan, or personal loan

I am writing you because I strongly believe that I am a victim of predatory lending because of the high interest rates I am paying for my loan. 2 ) I have tried two years in a row to refinance this loan. All attempts were fruitless. I have faithfully paid my loan on time. 3 ) Each time my refinance application was denied. 4 ) This complaint is about Wells Fargo. 5 ) People involved names are unknown to me.
Product: Credit card

Re : Cease and Desist Letter Pursuant to XXXX XXXX Dear Kohls I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law. 

I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX estate Signature on file
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello EquiFax, One of my credit information has just been update while it being closed sinceXX/XX/XXXX. I have attached the new negative mark that has been placed on my credit report for the XXXX account XX/XX/XXXX.I also checked the same account with XXXX and you are also reporting a different closed date of XX/XX/XXXX. Please delete this account due to wrong misleading information. Please see attachment..
Product: Debt collection

According to the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Total Card Visa, has violated my rights. This account was fraudulently opened using my information.

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 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit card or prepaid card

On XX/XX/2021, XXXXXXXX XXXX XXXX XXXX authorized my XXXX XXXX card for {$170.00} as a hotel authorization at checkin. There were no charges to my account and I checked out of the hotel. The hotel advised me they had released the hold on my account. A week later, I contacted XXXX because my funds were still on hold. They advised me they held the funds " up to thirty ( 30 ) days '' for hotel authorizations. It is now XX/XX/2021 and it has been 30 days. My funds still have not been refunded to me yet the authorization no longer shows on my account when I login online. I have contacted Serve several times and they insist the funds will be " released today '' but that has not occurred.
Product: Checking or savings account

Per your letter dated XX/XX/2019 in regards to the Consumer Financial Protection Bureau Complaint ID : XXXX, I am writing this letter of request and attaching a copy of the death certificate concerning XXXX XXXX XXXX. Please close out the above captioned accounts. Specifically, the sapphire checking account XXXX has a balance of {$5.00} and the premier savings account XXXX was charged a service fee of {$2.00} on XX/XX/2019 that should not have been charged on a deceased account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account # XXXX Account Name : Dept Of ED Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : US Dept Account # XXXX, XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i had the credit bureaus to do an investigation of verification and they all said the accounts were verified, but later i got my credit report and i found out it wasnt and it have alot of inaccuracies. These are the accounts in dispute : XXXX XXXX  XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX #, has violated my rights. 
15 U.S.C 1681 section 602A states i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to TRUIST BANK to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FTC Report XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards.

I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TRUIST BANK conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TRUIST BANK will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Product: Credit card or prepaid card

I opened a Wells Fargo Reflect credit card. On my application, I believed to have requested a balance transfer. Upon receiving the card and activating my account, there was no reference to a balance transfer being processed. I requested a balance transfer at that time. The next I logged in to setup payment details, there were two balances transfers processed along with two balance transfer fees. Therefore my credit card was nearly double over the limit and I do not understand how two balance transfers were processed. I spoke online through chat with Wells Fargo along with making a phone call. They stated they could not reverse or cancel a balance transfer after it has been processed. I therefore needed to speak with XXXX to reverse one of the balance transfer payments that was made to them. I then called and explained the situation with Wells Fargo who advised one of the balance transfer fees would be reversed after completing the payment to reverse the corresponding balance transfer that I did not want processed in the first place. Days and weeks later the balance transfer fee is still not reversed, my card is still over the limit, and continues to impact my credit score and finances.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and saw some inquiries that are not mine on there
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Transunion is reporting a bankruptcy on my credit report and they put in the furnisher as being United States Bankruptcy Court XXXX XXXX XXXX Mississippi which is false. I have attached a letter from the United States Bankruptcy Court XXXX XXXX XXXX Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring services. Nor do they validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and have yet to remove this from my credit report.
Product: Bank account or service

Certificate of Deposit purchased from XXXX National City Bank- XXXX, six month certificate, amount {$10000.00}. Recently discovered among other bonds and certificates. I have the original, signed by the bank, and have never redeemed it. PNC purchased National City, to include all holdings, in XXXX. They are refusing to redeem my certificate of deposit because their " records only go back 7 years ''. I informed them I could produce tax records with statements, no XXXX 's or records of them paying at time of acquisition. They stated, " does n't make any difference, going by our 7 year rule, I will not receive my money/redemption ''. HELP.
Product: Credit reporting or other personal consumer reports

I reached out to the company over XXXX  years ago asking the company to remove the information from my credit due to the statue of limit in Pennsylvania. I also Its now XXXXplus years and that information is still circulating on ny credit and affecting a negative way
Product: Credit reporting or other personal consumer reports

The Third party National Credit system has reported my information illegally without my permission. I do not have an account with them with my signature on any documents with national credit system. they have not provided me with such documents that I have signed with their company.
Product: Credit reporting or other personal consumer reports

Experian 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 or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 has neither corrected nor removed.Experian, 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 has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my crea standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.