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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear XXXX, I am writing to formally dispute inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security number is. I have reviewed my credit report and found an error that needs immediate correction. 

Account Information : Creditor : XXXX XXXX XXXX Account ID : Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Last Active : XXXX XXXX XXXX XXXX Date Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX ( XXXX ) Current Status : Repossession Nature of Dispute : The account is inaccurately reported as a repossession. According to the attached " Notice of Proposal to Accept Collateral in Full Satisfaction of Obligation '' from XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, the lender proposed to accept my vehicle ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX as full satisfaction of my debt. I accepted this proposal on XX/XX/XXXX, as evidenced by my signature on the document. The document clearly states that upon acceptance, I would have no further obligation to pay the remaining debt, and the vehicle would not be considered a repossession. Reporting this account as a repossession is inaccurate and misleading.

FCRA Violations : Inaccurate Reporting : The Fair Credit Reporting Act ( FCRA ) requires that only accurate information be reported. Reporting this account as a repossession violates FCRA provisions by misrepresenting the nature of the agreement ( 15 U.S.C. 1681e ( b ) ).

Failure to Correct Errors : If I dispute this error and it is not corrected, it further violates the FCRA, which mandates that credit reporting agencies correct or delete inaccurate, incomplete, or unverifiable information within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Requested Action : I request that you : Correct the status of this account to reflect that the debt was fully satisfied without repossession.

Remove any negative marks associated with this incorrect repossession from my credit report.

All credit reporting agencies involved stated they did an investigation and found the provided evidence as insufficient, which is severely incorrect. The first letter was sent and then the second letter sent less than 30 days later, because I received a response from the credit reporting agencies. XXXX nor Transunion properly responded to method of verification, instead once again stating the information was accurate and that I needed to contact the original creditor directly.
Product: Debt collection

I have contacted RBS Citizens on several occasions regarding my title. I am being told that my automobile is listed in repossessions. RBS citizens repossessed my vehicle over a year ago and payment was current. They refused to bring my vehicle back and I had to go pick it up due to their error. I contacted their corporate office today and was informed my vehicle was shown as paid off. When I asked about the title I was transferred again to repossessions. This even shows as a closed account on my credit report. I have found unexceptional mistakes that RBS citizens has made with consumer accounts. They expect consumers to just take it. The last payment was made in XX/XX/2016. I have not received a statement since and have been awaiting my title. Corporate shows it as paid off and my credit report shows this account as closed. RBS Citizens have been trying to avoid me and their mistakes are not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate request. These companies have XXXX business days to remove the identity theft from my report which I have stated is not the result of material misrepresentation and they have refused to uphold my rights as a consumer. The identified accounts must be removed in accordance with consumer law and to protect my right to privacy and a correct report. Please see attached documents for immediate removal.
Product: Credit reporting or other personal consumer reports

Kept getting locked out of my TransUnion account after multiple attempts of trying to log in. TransUnion auto-response kept informing me my account is temporarily suspended because TransUnion is unable to validate my information. This was on XX/XX/24 and I had just purchased the {$29.00} subscription even though I couldn't get through. Apparently the Customer Care team left for the day even though it was XXXX PM XXXX  time on a Saturday. I kept getting placed in a loop due to higher than normal call volume. I finally was able to contact XXXX at TransUnion at around XXXX AM the next morning XX/XX/24 when they opened at their XXXX phone number. XXXX told me he cleared the block on the account and had me reset my password on my smartphone and not my desktop PC after giving me my username. He told me not to worry about the account on my desktop. I successfully finished set up the account after changing my password, activated my credit freeze and made sure credit alert was still active. That was from what I saw on the smartphone version of my account. Then my account gets temporarily suspended again after I ended the call with XXXX due to not being able to verify the information. I then had my card blocked on the {$29.00} monthly subscription with TransUnion in frustration because their automatic reply from transunion apparently comes off as a phishing scam according to the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporter act 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 I also states a consumer reporting agency can not publish or furnish account without my written consent or instructions
Product: Credit reporting or other personal consumer reports

There is a report on my Transunion credit report that is reporting inaccurate information. XXXX reported that I was 30 days late on my auto account in XXXX. I disputed the account with Transunion and Transunion responded that the account came back verified and accurate. 

I then requested a reinvestigation of the account and submitted additional supporting documentation which substantiated that I was never late on the account. Transunion has not modified the account to reflect accuracy even though Transunion affirmed to the CFPB that the account is reporting accurate with no late payments. 

I contacted Transunion again and escalated the matter to a supervisor. I advised the supervisor that per the US Code, once a consumer provides additional information or documentation to substantiate the dispute, the bureau has a responsibility to modify it or delete it. 

The supervisor, XXXX XXXX in Special Handling Department, advised me on a recorded phone call that Transunion has no ability to modify or delete inaccurate information on a consumer 's credit report and that action must be taken by the original creditor. 

I explained to XXXX XXXX XXXX what the law says about unverfiable or inaccurate information about an account on the credit report and he advised me that the law did not say that. 

However according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Additional supporting documentation was submitted directly to Transunion as well as through the CFPB with the complaint.

Transunion, through escalation to a supervisor, advised me on a recorded call that they have no ability to modify the account history which is a blatant misleading fact as expressed by the above law.

My rights have been violated by Transunion under 15 U.S. Code 1681i - XXXX in case of disputed accuracy.
Product: Vehicle loan or lease

I had requested my Lien Release letter since I am planning to sell my car. I contacted them last month ( on XX/XX/XXXX or XX/XX/XXXX ) and confirmed that it will be overnight, I even received a UPS tracking number. But they just created a label and XXXX had never received the package from them. I waited more than 2 weeks and then I contacted them again last week. I have been informed by one of their Reps. that the Title Department never processed my request. So I ask that it be processed again. I didn't receive any tracking or confirmation number this time. So I call back early this week and didn't have any luck, also their customer service has no way to communicate with the Title department to query my case. So they put down my request and promised to expedite my request, upon hearing that I tried to clarify the timeframe of that expedite but the customer service person could not able to give me clear answers. So I waited and then I call back and this time, I asked for the supervisor and the supervisor confirm that it will be overnight that day or the next. I again received the XXXX tracking number yesterday ( XX/XX/XXXX ) and the status of that shipment is the same as the first time, where the shipper ( TD Auto Finance ) just created a label but XXXX has not received the package yet. It's the end of the day right now and I am pretty sure my letter has not and will not be sent. I am very frustrated at this time since I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SS # XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX  XXXX XXXX XXXX XXXX ( XXXX ), and XXXX ( XXXX ) notified me 21 days before with a statement, a copy of the creditors payment ledger As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and stateunder 15 USC 1681n civil liability because Ive been violated. 


Here is the law code for reference : 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of thecreditoron a statement. 

DO NOT SEND ME NOTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying get XXXX, XXXX and Transunion to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.
Product: Debt collection

This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : 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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I wa
s never late.
Product: Credit reporting

Experian is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. XXXX XXXX XXXX turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Experian seems to want to listen to me. The worst part is that XXXX mortgage companies are listing XXXX days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Experian to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified.
Product: Credit reporting or other personal consumer reports

My report lists late payments inconsistent with my payment habits. Requesting corrections and an updated account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent to send my personal information to this creditor. I was never informed what was the method of verification and how the debt was validated there is no proof that the debt is mine. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This formal dispute letter is written in connection with violations committed by both the Transunion and XXXX credit bureaus. Both have violated my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter " FCRA '' ) which prohibits Consumer Reporting Agencies ( " CRA '' ) from engaging in deceptive and unfair practices. 

WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S Bankruptcy Court never provided any information to the credit bureaus, nor do they ever validate and/or confirm public records. The attached letter states these facts unequivocally. 
3. The credit bureaus have reported derogatory information to my consumer/credit for 7 years since 2016, and have caused me much difficulty in attaining fair interest rates4. If the CRAs can not validate the information with the information furnisher, CRA must remove said information from the consumer file. '' 4. According to the FCRA, I have the right to an accurate consumer/credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, is my name I had a forgiveness private loan cleared debt free paid off that was granted effective XX/XX/2021, as a result of a settlement agreement by the attorney general. The loans included in this settlement are listed below and currently have a {$0.00} balance. 
Loan was XXXX However my credit score states I owe {$85000.00} in debt and I can support my family with a bad score on a XXXX. 
When XXXX was paid off in full from the forgiveness program.. my credit score supposed to be a lease higher over XXXX Can you please solve this matter and straighten out my problem please
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 an account was opened fraudulently by XXXX on my report it says Portfolio Recovery Associate with a balance of XXXX i have no knowledge of this account. i am a senior citizen this is a scammed account. Please help me
Product: Credit reporting

I am requesting for the last time with this notice that the following inaccurate items be removed from my credit report. XXXXAccount Number : XXXX.The item are not correct result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Experian for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. You responded to be on XXXX via email with Outcome : Remains. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2021 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Money transfer, virtual currency, or money service

I am a XXXX Citizen, I opened the account with Coinbase and have XXXX invested. Between XX/XX/XXXX to XX/XX/XXXX I went on holiday to XXXX. When I returned back to XXXX on XX/XX/XXXX my account has been locked, I have not been able to log onto my account. Initially there was a warning that they believed I was a citizen of XXXX and asked me to send my passport image to prove I 'm XXXX. I did this on XX/XX/XXXX and since then despite dozens of chasers to them my account is still locked. I am unable to trade, they do not respond to any messages.
Product: Debt collection

XXXX XXXX XXXX offered to pay him out of pocket for his services because the amount would be much smaller than if I have to pay a copay through my insurance and he doesn't have to deal with lengthy process through insurance to get reimbursed. I agreed. 

A year later my insurance got changed and this doctor office suggested to run it through insurance to see how much it will reimburse. And I WAS PROMISED that if my copay amount continue to be bigger than what I paid out of pocket as a hard cold cash - I won't be held liable to pay off the difference. 
I also told them if I knew I will end up.paying this much - I would reject the services upfront. 

Well, dispite the years of good relationship - this doctor and his billing office decided to ruin it all and go ugly on me. 

They started to bill me for the difference. I said I agree to pay the amount we negotiated but not what my insurance didn't cover. 

Well, they reported the balance to all credit bureaus. I have to say, considering the amount is only {$130.00} - this is very shallow of them to go that far. So a year or so later, in 2020 I called and attempted to resolve it one last time. The collection lady was nice and reasonable and tried to help. Well she responded later that she contacted that doctor 's office and their billing office and they refused to negotiate and discuss anything about this account at all. 

It is a shame - he is a good skilled medical professional but as appears very cheap. 
He lost much more on a long run than the stupid balance he tried to collect. 

As for me, it is not about money - it is a principal issue. I was promised one thing but then got dragged into this medical insurance soup opera and got hunted for it as a result.