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

Under 15 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 XXXX XXXX  Account Number : XXXX Account Name : OFFICE OF THE ATTY GEN - XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : ATTORNEY GENERAL-XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have leased an XXXX from a MA based dealership in XX/XX/XXXX and ended on time and paid in full my 3-yr lease in XX/XX/XXXX. I have not heard once, by phone or mail and nothing was ever reflected on my credit report about any payment demand. Only after I disputed, in XX/XX/XXXX, via XXXX  that the account was still open, I received a charge-off of $ XXXX.I disputed it via credit bureau and no resolution, with still impact on my credit score.. Still no phone call or mail. After a second dispute, the answer came back negative and now I have a XXXX charge off. I called Hyundai ( XXXX ) and I was told three different things by three different people. The first told me my car was stolen and was charged residual value, then I called back and was told that I had not paid the last 5 months of lease ( which I have bank proof I did ), then I called again and was told that my insurance did not cover some charges to fix the car. I feel the company has no idea what's going on and certainly has not notified me of anything and now I have 70 pts dropped in my report which affect my finances. I filed complaint with the XXXX and XXXX came back with the same statement, but no document or proof about the charge off. 
XXXX response is totally out of place and inaccurate and lacks of evidence. There is no one piece of document I have received. My car had minor scratches and my insurance covered those charges, I brought the check to Hyundai dealership and never heard from dealership or XXXX again for almost two years, until recently and only because I initiated a dispute on the account status. Now XXXX  claimed not only that they invoiced me, but also that the car was badly and heavily damaged and completely totaled. Assuming for a minute this is the case, a much more detailed and timely investigation should have taken place. Anyone, including a business, should have a complaint about a product, a return or anything else, should timely notify the consumer. How do I know that what XXXX is true and even if it was, that the car was damaged further, after my release? It is too convenient and totally unfair to let things go and after a long period of time assuming certain facts and charging someone largely differently than the original status ( when i turned in my keys ). XXXX should prove that detailed reports have been sent, should also speak with the dealerhip that took in my car and remove the credit charge from my report, at least until this situation is resolved or attemped to be resolved. I am willing to do anything I can on my part, but with no documentation in my possession, not with a mere statement over the phone and without evidence it is an impossible task!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment entries and collection accounts reported by TransUnion on my credit report. Despite providing TransUnion with clear and sufficient proof that the payments were made on time, including payment confirmations and account statements, they have failed to remove these erroneous records from my credit report. Additionally, the collection accounts that are inaccurately reported remain unresolved. 

I have made multiple attempts to resolve this issue directly with TransUnion, but the incorrect information remains uncorrected. I respectfully request your assistance in addressing this matter and ensuring that TransUnion updates my credit report to reflect the accurate payment history and removes any erroneous collection accounts. 

Thank you for your attention to this issue.
Product: Debt collection

I 've contacted this company regarding XXXX accounts that they are reporting to all XXXX credit bureaus. I 've contacted them requesting competent validation of proof of the account and the information that they are reporting to XXXX, XXXX and XXXX. I 've never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX DOE XXXX - XXXX
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 ( 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 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 addresses are listed on my credit report that are not mines : 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

My repeated efforts to resolve the presence of fraudulent and inaccurate information on my consumer report have gone unaddressed, leading to profound personal consequences. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, and their continued presence has generated significant stress and anxiety while negatively impacting my financial wellbeing.
Product: Payday loan, title loan, or personal loan

I took out a {$24000.00} loan. I was promised a lower rate if I directly paid off other debt. I used XXXX to pay off a loan with XXXX XXXX. It has now been 2 weeks and they claim the process is to mail a check to lending tree. This was not disclosed i was led to believe that it was ACH .4000 was dispensed to me on the 27th. the XXXX is still in limbo. I am paying interest on both loans as Upstart will do nothing for 15 business days ( 3 weeks ) lending tree is charging me interest and Upgrade is charging me interest and both loans are due in 2 weeks so I have to come with over {$1000.00} for both loans this month plus the extra interest on both loans. I would like at the very least to be reimbursed for the extra interest payments for the almost 19000 that is still sitting Upgrade 's accounts and in none of my accounts and I am paying for.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed incorrect and inaccurate personal information such as addresses relating to identity theft.
Product: Checking or savings account

On XX/XX/2024, I initiated another round of disputes concerning unauthorized transactions from XXXX and XXXX. Despite reaching out to both companies, I was directed to contact my financial institution for resolution. XXXX informed me that they did not observe the disputed transaction on their end and advised me to consult my bank. XXXX similarly suggested contacting my financial institution as they were unable to verify the charges. This marks the second dispute I've filed regarding XXXX charges, as I've been consistently billed since last year for transactions I haven't made. I've diligently provided documentation from the companies instructing me to contact my financial institution, yet Chime continues to reject my disputes, amounting to nearly {$900.00} in total. And lastly I even brought to there attention that my address was even changed on my account and like to update it through them and they refused sending my new debit card to address that i don't even stay at. 

My Dispute Ids are : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan. 

2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent. 

I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report. 

I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries. 

I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for Chase Auto Loans First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and accepting all your company conditions. Unfortunately, I went through a financially tragic moment where I lost my job due to XXXX, was XXXX  and as a result, I missed one payment. 

According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions during XXXX however there were 7-9 hours wait on the phone which would end up by call dropped or disconnected. and recently I contacted them again and their answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with these credit agencies that's reporting unverified accounts without certified physical documentation and not with the creditors themselves inwhom I have no contract with. I have disputed the following accounts a few times but the response of the credit bureaus always account verified. Who and when was these accounts verified, # 1 XXXX XXXX XXXX XXXX, # 2 XXXX XXXX XXXX I'm demanding that the above accounts be blocked immediately and permanently if I'm not provided with certified physical documentation and the Method Of Verification used as stated by the laws of the FCRA . I'm enforcing my rights as an consumer.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting an XXXX XXXX BUSINESS credit card account on my personal credit report. I reported this issue to all 3 credit bureaus several times, yet no resolution.
Product: Credit card or prepaid card

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. 

Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not.

Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights.

Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be XXXX out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning WELLS FARGO BANK , N.A . and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working in accordance to my consumer protection and am seeking that certain fraudulent information be removed from my credit report on all 3 agencies Experian, XXXX, XXXX. 
The following accounts are deemed as fraudulent and companies need to be investigated vigorously because I am not the only victim. The companies are listed below in full or by their name / organization shown on Credit Report. 


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

I have been writing dispute letters to the credit bureaus since XX/XX/2020 and asking for verification why they keep reporting on my credit report. However, they have failed to obtain as mandated by law proof of such debts. They have continued to report erroneous information about me. Therefore it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law
Product: Credit card

My account was used fraudulently to purchase make a concert ticket purchase of XXXX dollars. No big deal I was able to gain back access to my email and worked with XXXX XXXX to send them the tickets back so they couldnt be used and the fraudster didnt get the tickets. They told me because it was fraud I have to dispute it with the bank no matter what and that rest assured Id get my money. Fast forward a year later and going on 5 disputes reopenings and nothings happened. My disputes get denied with the same saying there wasnt enough evidence. Yet Ive talked to XXXX XXXX  each time and they have said that there should be no reason the dispute is denied and that this bank isnt even reaching out to them. On this last time I had a specialist finally call me back from the bank and she even agreed it shows they havent reached out to the bank and this all makes no sense as why its being denied. She assured me shed fix it and it would get situated. Two months later its denied yet again. This is the worst customer service from a bank Ive ever experienced. My next step is legal if they dont fix this now Im sick of dealing with this Ive spent 11 plus hours on the phone, a year with XXXX worth of money held it isnt fair. I will be asking for more for time and suffering. After making a complaint with the XXXX my dispute was yet again denied. I called the merchant and they said they still havent been contacted. All the bank will do is say theyll escalate it and someone will call me yet no one ever does. Doesnt provide any reasons why they decline the dispute. Ive requested to be sent the evidence they have and they never sent me it. This is the worst.
Product: Credit reporting

Wrong address is being reported my current address was deleted ands my old address from 12 years ago was a added. XXXX ny XXXX is an old address and should not be listed as my current address. My current address where I reside is XXXX ny XXXX and my XXXX ny XXXX. Please correct asap thanks
Product: Debt collection

It was a credit card my wife had in XXXX with Chase Bank before marriage and it was discharged in XXXX before marriage. My name was never on the credit card nor was I a guarantor. This debt collector brought the debt and say I now owe it. I do not know how this debt collector got my social security number and have filed a judgement under my name directly. They filed court papers as Community Property, but then under the Judgement Information Statement it did not state Community, it listed my name only. This has really burden me because it went on my credit report and cause me not to be able to refinance. I had n't check my credit report in a long time so did not realize this was in my name. I have disputed it with the credit bureaus and they have deleted it off my credit report. I have called this debt collector to get a release of judgement from my name and my property and XXXX said no. I asked him how to get this out of my name and the lien off my property and he laughed and said " you want me to tell you how to not pay me ''.
Product: Credit reporting or other personal consumer reports

Consumer has sent multiple verifiable emails to company asking for payment arrangements, company is slow to respond or doesnt respond.

Consumer was finally able to reach company to make payment arrangements, consumer is paying loan, company has negative marks on consumers credit report stating charge off when consumer is paying loan after finally being able to reach someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid in full the balance is {$0.00}. It should be reflecting on ALL XXXX credit bureaus.