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

First and foremost, I must emphasize that my right to privacy is of the utmost importance. I am invoking this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), it is your full responsibility to " exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I am asserting my right under this statute. Kindly ensure that the following information is handled with the highest level of fairness, impartiality, and respect for my privacy. 

Pursuant to 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized these companies to have any permissible purpose. As such, they are in clear violation of this law. I request that these accounts be removed from my credit report as they are negatively affecting my reputation, character, creditworthiness, credit standing, credit capacity, and more. Since you are obligated to protect my privacy, I expect this matter to be addressed with the utmost urgency. 

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

Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.
Product: Credit reporting or other personal consumer reports

I have been having a problem with XXXX, XXXX, and equifax. I have been asking for the letter of approval from three credit cards that show up on my report. All three credit reporting agencies refused to send my the letter of approval from my XXXX XXXXXXXX trussee off. And refused to remove the problems. But say they they checked in to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have file a police report on these accounts. They do not belong to me and my identity was stolen and use without my consent. These accounts are reporting on my Equifax credit and need them remove please. Have send the banks and Equifax fraud departments my police report for identity theft and proof that these accounts do not belong to me. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, TX XXXX Open XX/XX/2015 {$4800.00} XXXX XXXX  ( Not my accounts ) XXXX Card {$4000.00} XXXX XXXX Card {$1200.00} XXXX XXXX Card {$1200.00}
Product: Credit reporting or other personal consumer reports

This letter serves as a final demand for the immediate resolution of my dispute. Despite multiple attempts to address this matter and compliance with the Fair Credit Reporting Act ( FCRA ), the disputed items remain unresolved. This continued inaction represents a clear violation of federal regulations and has caused undue harm to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent a mail to the XXXX, equifax and XXXX  regarding identity theft and still have not receive a response yet. Its been over 45 days. I recently check my credit from XXXX and i notice the fraudulent accounts are still on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. When i contact the 3 credit bureaus again, i was told to get an FTC report. I have attached my ftc report with my drivers license and social
Product: Credit reporting, credit repair services, or other personal consumer reports

Your improper reporting of accounts on my credit profile is causing difficulty for me to obtain credit. I've tried disputing this with you on multiple occasions i requested verifiable proof of these accounts and have yet to receive any. these accounts are not XXXX XXXX compliant and i hereby request that they be removed immediately.
Product: Vehicle loan or lease

I previously submitted a complaint on XX/XX/XXXX that I initiated a consumer credit transaction at XXXX XXXX on XX/XX/XXXX with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything. 

GM previously responded back as if I my complaint was about a inquiry ( which it should be ), it was not ; and that I had applied for a XXXX XXXX XXXX this consumer transaction. My credit application was initiated on a XXXX XXXX XXXX XXXX XXXX. My main focus is that this was a fraudulent transaction. GM Financial is in violation pursuant to 15 USC 1642,15 USC 1681m and CFR 1002 because I the consumer initiated a credit transaction in good faith, but credit was not issued.

Furthermore, this is violation of 1602 ( p ) because my SSN ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of a credit card ) on GM 's behalf.
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've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
TransUnion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing TransUnion that I was a victim of identity theft. TransUnion is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. TransUnion has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}
Product: Debt or credit management

I looked at my credit report for XX/XX/24 and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

XXXX XXXX XXXX # XXXX {$XXXX} open dates are not reporting correctly, the date last active, date of last payment is not correct, wrong spelling of my name, charger offs, incomplete account numbers, inaccurate information, closed account
Product: Credit reporting or other personal consumer reports

According to this letter from equifax. My investigation is still ongoing. However i am allowed to submit additional info to prove my case. I was never late on my payment the months of XXXX and XXXX of XXXX. Please see my bank satatements proving XXXX XXXX withdrew from my account on time. XXXX  XXXX  with drew from my account on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

Agent from the company ( Barclaycard US ) provided incorrect information and improperly set up automatic draft payments which lead to late payment balance even though payment where completed as agreed. 
Company reported late payment to credit bureaus, recognizes that the agent made a mistake in the arrangement, however refuses correct negative reports to credit bureaus.
Product: Debt collection

Theres a company reporting a {$20000.00} debt For village of gateways. I asked for proof of why the debt was {$20000.00} and never received proper documentation of reasoning. 

I was also told to move out before a specific date and was told I wouldnt be sued and itll cancel all suits and I left at that time but they still charged me. I complied and still was penalize. 

Im not sure if management wasnt knowledge or just doing what they see fits for them.

There were no damages to the unit On my credit its reporting twice but deleted on one report based off this issue and concerns. So Im not sure while its reporting to the other two if on one it was disputed and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft someone got my XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bill sent to collections is error, without cause and should not have been reported for Collections. Have 2 medical insurance plans XXXX for XXXX and XXXX XXXX XXXX covered under parent plan. Costs should have been filed against both plans. Is apparent did not occur.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent and Inaccurate Account Reporting Request for Deletion Dear XXXXTransUnion I am writing to formally dispute an inaccurate and fraudulent entry on my credit report related to my XXXX XXXX XXXX XXXX XXXX XXXX This account contains fraudulent transactions and has been inaccurately reported on my credit file. After disputing this matter with XXXX, they have investigated and removed the account from my credit report. I am requesting that you also remove this account from my XXXXTransUnion report . 

Details of the Account in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : This account was reported inaccurately and contains fraudulent transactions. It has already been removed from my XXXX report, and I am requesting the same action from XXXXTransUnion . 

To support my dispute, I have attached a copy of XXXX dispute results confirming the deletion of this account. Given the fraudulent nature of this account and the incorrect reporting, I request that you conduct an investigation and remove this account from my credit report immediately. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, I had an Amazon Prime card, which I used infrequently. As with all my reward point cards, I used the card to garner points, and then pay the balance immediately after so I dont accrue debt.

I noticed with my Amazon Prime card, I was getting charged exorbitant late fees. If a card is paid late then thats on the consumerbut I noticed that my payments were late because when I went in to pay my balance, Amazon wouldnt show the full amount due, only the statement balance. So unbeknownst to me, Amazon set up a system to cause consumers whod thought they paid their bills to have interest and late fees billed.

When I called Synchrony Bank ( who owns the card ) to inquire why, they confirmed my suspicion. Outrageous. Even though I knew my credit would take a hit, I chose to cancel the card. 

Credit card companies should be required to divulge to consumers the full amount due to satisfy their debts, not just the amount that will garner interest ( and resulting late fee penalties ). I am reporting this practice to the FTC to inform others and prevent businesses from being able to do this to others. Especially for people who may use their cards quite a bit, its unethical for a company to not divulge the full balance due on the card on the payment screen.
Product: Credit reporting or other personal consumer reports

Prior to XXXX I had Impeccable Payment history XXXX credit score, I value being a financial responsible client/consumer. However, during XXXX I suffered from a major hardship, I had great death in my family I lost my former husband, who at the time was my primary source of income. I also was laid off my Job due to major cutbacks. Being a Widowed wife and a mother of 3 It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX XXXX XXXX XXXX in reference to 2 Accounts that I had at the time with them. ( XXXX & XXXX ) and requested Hardship options, I agreed to do a settlement with lender account was paid. I was informed me that account would be kept current, no late payments will be reported due to me agreeing to settle account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that creditor remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditor adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amends Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXXcrisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts still remain the same inaccurately Late Payment history.
Product: Debt or credit management

Portfolio Recovery has been harassing me for years over a loan they were sold that was not mine. Its for over XXXX and apparently was taken out in 2020. I never took out a loan because my credit was too low. They were calling me every day before XXXX and after XXXX when I was living in California. They have since stopped aside from every weekend. On Sundays. Thats not okay. They refuse to close the account and had taken XXXX out of my checking when I had it. Im XXXX and that money was for my bills. Now they keep trying again, and wont stop. Every time I answer a call its not someone who speaker English, they have a heavy accent and always hang up. Were they taken by fraud or a call center? It is not my loan and they need to leave me alone.
Product: Student loan

This is just a continued general complaint about the company that services my loan, XXXX XXXX. Accomplishing anything with them is always a process. 

I am taking class through my employer and it put my loans in deferment. I called to ask to just continue to pay anyway. They could n't do that over the phone. They led me online where I should have been able to do it. Their new website is awful, and not user friendly. I could not find what I needed to check even after being given step by step instructions. Eventually, they did it for me over the phone, but why was n't that just offered upfront since we had gone through all the security clearances. I am afraid its an attempt to keep the balance higher to recoup the most interest money possible. Very shady. 

Today, I got an e-mail about getting my tax documents delivered electronically. This is ideas, so I went to sign the form online. It would not work, so I talked to customer service. I told them I did n't know my student ID as I have been out of school now for a few years, but I had filled in the SS #. Apparently the form would n't let me submit without. I was told they could not access it ( but how are you using it as a check then? ).  The they said I should be able to see it on my promissory note. One problem, remember that awful website? It would let me access. They say it 's because of an ad blocker but I disabled it AND tried a different web browser. THEN, I realize I am already in electronic delivery. They were in my account, but no one was like oh you already do that, so you 're good. 

Overall, I think this company is awful and not serving the best interests of student, and should be looked into. All I am trying to do is pay my loans on time, and they keep making it more difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the XXXX  data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.
Product: Checking or savings account

Ive opened an account with Wells Fargo twice in 2 years. Both times my account was closed without any warning. They said I didnt use my account in 30 days so they closed it. Nowhere in any agreement did it say anything about them closing accounts if not used in 30 days. Nor was I told when I opened the account. First time it was closed mid XXXX then it was closed in XXXX and I didnt have the account open more than a month
Product: Credit reporting or other personal consumer reports

all three of my credit bureaus attached to my Social Security number have been reported by Carmax Finance incorrect and inadequate information. The reporting of the Max deliquency date of my account was marked as XX/XX/XXXX, when in fact the max deliquency date shows in the year XXXX and not XX/XX/XXXX. This has caused me to be rejected by a lender and have also caused me an employment opportunity as well for my business. I have spoken to customer relations on today and in the past and nothing has been completed. The latest customer relations number is XXXX. Please call them at XXXX or you may reach out at XXXX. This company should be held reliable for accurate reporting and because they have violated this law on numerous occasions. I demander this to be look further into and demand relief for the unlawful heinous acts.
Product: Credit reporting or other personal consumer reports

- XXXX XXXXXXXX XXXX XXXX  account number XXXX : This account listed on my report is unfamiliar to me, as I have never had an account with this bank. 

- XXXX XXXX, account number XXXX : In an attempt to establish credit at a young age, I opened this account, but I soon realized I wasn't ready for the responsibility and attempted to close the account. 

- Chime - XXXX XXXX, account number XXXX : I deposited {$300.00} into this account, but the funds were withdrawn without any explanation from the bank. I contacted the bank for clarification but did not receive any information. 

- XXXX XXXX, account number XXXX : I am currently in the process of paying off my car loan with XXXX XXXX. 

- XXXX XXXX, account number XXXX : This account was opened fraudulently as my identity was stolen. I did not authorize the opening of this account. 

- XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX - XXXX XXXX XXXX, account number XXXX - XXXX XXXX XXXX XXXX XXXX, account number XXXX - XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX account number XXXX The remaining accounts listed on my report are also unfamiliar to me.
Product: Debt collection

Dept was paid off and I receive a letter stating that the item was removed off of my credit reports and it has NOT been.
Product: Debt collection

I just received a notice from XXXX XXXX XXXX, XXXX, a debt collector of American Express. This communication is to dispute owed of {$5700.00} from American Express. My card was used without my permission by my ex husband and charges were incurred by him and other persons. I have always paid my debt timely and American Express refused to take disputed charges off. As a result, my credit has been impacted and the debt was charged off and they refused to even file a claim. AMEX behavior violates consumer protection laws and the law firm is engaging in predatory debt collection practices. This is ridiculous, I want this deft off my credit ASAP. SO THIS IS MY FORMAL DISPUTE WITHIN 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see 2 unauthorized inquiries on my transunion credit report and I need them deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1982 XXXX XXXX I am filing a complaint about missing accounts that are not showing on my credit report. I have a XXXX and XXXX XXXX  And XXXX XXXX that are not showing on my credit report.