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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX NH sale XXXX XXXX  Agent XXXX XXXX Traded in a XXXX for another XXXX at end of lease. Mileage over contract by aprox. 3000 miles. 
Agent exaimined our trade for acceptance did not mention any problems.. we talked about payments Mr. XXXX sealed the deal with us by including XXXX would eat the mileage and be in our comfort bracket. My mother and I agreed to the monthly payments of {$390.00} and gave the first initial payment. 
Received a call from Nissan Lease that aprox. {$4100.00} was due in cash. 
This would cover the over mileage and wear and tear. First the car was examined by the dealer no note of a problem and the mileage was to be washed. From what I can estimated Mr. XXXX left the company immediately after our transaction. 
Went into XXXX talked to manager XXXX. No help available on " He said, she said '' I askd why a " WE OWE paper was not shown to me but I found it with the envelope given. This paper had a forged signature.. XXXX took the paper and returned with a WE OWE paper that had my signature. He kept the signed one and returned my copy. This was strange.
Product: Money transfer, virtual currency, or money service

Ive tried getting refunds for purchases not made by me but couldnt get any help
Product: Debt collection

On XX/XX/year>, United Auto Credit Corporation contacted me by phone at XXXX XXXX violating the FDCPA, which prohibits debt collectors from calling before XXXX XXXX or after XXXX XXXX. I informed the company of this violation and requested {$1000.00} in statutory damages. The company acknowledged the incident but denied my compensation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXXXXXX XXXX XXXXXXXX Credit Card added a new account from XX/XX/2014 to my Equifax credit report that was charged off and is almost 9 years old, dropping my credit score XXXX points. I believe this violates the fair credit reporting act and my rights. It is past the statute of limitations and has been charged off and should not be reappearing on my credit report. Additionally, the company is stating inaccurate information about last payments received to justify reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX  showing as account to me / FTC violations not known to me best of my knowledge
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Payday loan, title loan, or personal loan

I just received a call from XXXX XXXX, XXXX XXXX Webster Bank branch manager. 
She told me that my line of credit application was denied because my home was appraised at {$140000.00} without anyone coming inside to look at it. 
Less than 3 months ago, Webster Bank sent in an appraiser and my home was valued at {$200000.00}. 
XXXX XXXX told me that if I wanted an accurate appraisal I would have to pay an additional {$550.00} for an interior appraisal. 
BAIT & SWITCH! 
I spent many hours obtaining documentation for XXXX XXXX, and after I have done all that, XXXX agreed that the {$140000.00} appraisal was not accurate, but I could get an accurate appraisal if I spent {$550.00} for an appraiser to come inside my home. This was not explained upfront. This is XXXX & XXXX.
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the banks associated with these accounts, and they assured me that it would be removed from their records. 
I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. 
Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. 

In support of my claim, I have lodged a formal complaint with the XXXX XXXX XXXX ( XXXX  ) and have provided the banks with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 

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

Equifax & XXXX are reporting inaccurate information on my credit reporting. A collection account that I did not XXXX ) authorize XXXX ) I have no idea who the debt collector is XXXX ) I never signed any papers with XXXX XXXX for them to sell any debt to XXXX XXXX XXXX. 

Acct # XXXX
Product: Debt collection

On XX/XX/2016 I was informed by XXXX XXXX, the Director of Efficiency, Compliance and Privacy at XXXX XXXX XXXX, XXXX that a debt that was placed with the firm, Americollect, INC would be removed from my consumer credit reports. It has not been removed by Americollect, INC.
Product: Credit reporting or other personal consumer reports

THESE Companies ( XXXX  XXXX ), ( XXXX ) has reported late payments & collections of no knowledge and theyve not under the FCRA Section 609 ( a ) ( 1 ) ( A ) that credit reporting agencies must physically verify the original signed consumer contract for every account theyve included into my credit report. Ive yet to see that and have not gotten anything of any sort. Ive kids and I am ill.

Also XXXX  show XXXX  different agencies that dont even make sense my information was sold I do t even know or understand who these people are.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Collection Agency Name : XXXX XXXX XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the current evaluation conducted by the Credit Bureau. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 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 Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) -- ( B ), aas highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate : XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan through XXXX XXXX XXXX back in XXXX i fell into a hard ship then co vid 19 came i was totally out of work the company said i was eligible for covid relief i didnt have to pay instead they charged me anyway i spent several months give the car back because it was not a good car i was way over charged in XX/XX/XXXX the company came got the car back in their possession then the rates went threw the roof like XXXX dollars i cant afford that this has destroy my credit i cant get nothing approved im living in motels and renting rooms from friends i want this off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

-i never have a middle name, but on Transunion credit report it showing i have a middle name. i would like to remove that. 

XXXXthat 's Hard Inquiry on my Transunion credit report XX/XX/2021, i contacted XXXX, but they told me my information wasn't in their system, but Transunion wouldn't able to remove that Hard inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordace 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. 

XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 an account without my written instruction 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 XXXX XXXX 

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.
Product: Payday loan, title loan, personal loan, or advance loan

I had taken out a Title Loan to pay off credit card debt in hopes it would consolidate my debt in order to be able to affored housing. I went to One Main Financial after getting an email. I was told to bring in my title to my car which was paid off. I did that and signed the loan docs after the loan officer took many photos of my vehicle. I paid XXXX every two weeks for a year and a half. It has hardly put a dent in the principle of the loan. I fell on extremely hard times due to my mom becomeing ill XXXX XXXXXXXX XXXX XXXX  and was forced to quit my job to care for her. Due to that I am in serious financial problems and looked into Bankruptcy. While doing so, I was informed that Title Loans in Colorado are completely Illegal. I feel like I was completely dupped and had paid so much of the loan back with crazy high interest. Now i'm stuck needing my only vehicle to be able to work and worry they will take my car since I am unable to pay. It is really unfortunate that companies are allowed to reel people in and not have the verbiage on loan docs in regular sized text and a more simplfied form so we as consumers do not sign our life away by not understanding. You almost have to be an attorney anymore to understand any of the content in loan docs and credit card lending.
Product: Debt collection

This collection account for {$400.00} was erroneously placed on my credit report inXX/XX/XXXX and I was unaware of it until I checked my credit recently. I was never sent any official notice or claim of this debt being attributed to me and I did NOT incur this debt. It should not be in my credit file because it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a laundry list of issues with equifax, first they refuse to allow me access to my own credit report. They ask me to identify information on the reports which they have listed as incorrect, for instance, an address I haven't lived at in 15 years, and an employer i haven't worked for in over 20 years. Secondly I've sent identifying documents to this agency three times, drivers license social security cards, birth certificates, utility bills, and they refuse to allow me to access my credit report. They also are allowing a fraudulent creditor who is under a XXXX XXXX XXXX  advisor alert to add fraudulent and false information on my credit file. They aren't allowing me to dispute the entry, and they refuse to seriously investigate, I've attempted to dispute three times with the little info I have. I was able to successfully retrieve a report through XXXX, but this agency will not talk to me over the phone about my own credit file, they are again wanting me to verify information such as addresses that they have wrong on their file, and they will not remove this fraudulent entry nor seriously investigate if it should be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not quite sure why my credit score went down XXXX points??? I have had no change except disputes on my report. This is crazy. I need someone to contact me regarding this system they follow regarding credit reporting. This system sucks and they are robbing people blind
Product: Debt collection

I never entered into an agreement with this company for any services. I never received any correspondence validating any financial obligation. They are reporting inaccurate information on all three of my credit reports. This company is violating my rights under the Fair Credit Reporting Act.
Product: Checking or savings account

I have my own bussiness and was accepting card payments they square. The company closed my account and deactivated it. And held my money for 90 days. Funds were supposed to be released on the XXXX of XXXX but they have not been released yet. I have also tried contacting them and have not been successful
Product: Credit reporting or other personal consumer reports

Subject : FCRA Violations Regarding Charge-Off Reporting Dear Experian Team, Continued reporting of charge-offs that have been reported to the IRS as income via 1099-C violates the following laws and cases : 15 U.S.C. 1681i ( a ) : Right to dispute inaccurate or unverifiable information.

15 U.S.C. 1681s-2 ( b ) : Furnishers must ensure accuracy. 

XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ( XXXX ) : Information must be accurate and complete. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Inaccurate reporting harms consumers. 

Once a debt has been reported to the IRS as income using Form 1099-C, it is effectively canceled. Reporting it as a charge-off while treating it as income constitutes inaccurate and misleading reporting under the FCRA. 

Please investigate and remove these inaccurate charge-off ( s ) reporting immediately. 


1. Account info Account name XXXX XXXX  Account number XXXX  Account type Business Responsibility Co-signer Date opened XX/XX/XXXX Status Petition for XXXX XXXX XXXX. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$35000.00} Highest balance Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Business Responsibility Co-signer Date opened XX/XX/XXXX Status Petition for XXXX XXXX  XXXX. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$46000.00} Highest balance - Terms 60 Months On record until XX/XX/XXXX XXXX