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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I applied for a cash loan from Lending Club but was unaware that they would make me pay {$610.00} per month with an APR of 22,99 %. I am a senior citizen living off of Social Security and have called The Lending Club numerous times to lower my payments which they did for a few months. Now, they refuse to lower my payments or always refused to lower my APR. I advised them that I thought my APR was much lower according to a postcard received by The Lending Club and if they could lower it. The postcard advertised 7 % but it as never applied to my account. They are NOT FDIC insured. I can not afford to pay them that large amount as I wont be able to put food on the table or keep a roof over my head. The Lending Club allowed me to pay {$200.00} for a few months then about {$300.00} for 2 months which was already too much, plus they kept charging me the 22.99 % APR. Now, they wont give me a break at all. They also refuse to allow me to make one time payments online because one is required to put payments on auto-pay or mail in a check. They are money hungry, have no empathy and are making millions off of poor customers. I believe that you need to investigate The Lending Club. Please advise what you need from me and if you could respond I would greatly appreciate it. Thank you. XXXX XXXX. XXXX, KS
Product: Credit reporting or other personal consumer reports

This creditor XXXX XXXX is reporting inaccurate information.I reached out to the creditor to rectify the situation but got no response or resolution. I disputed this late payment from XX/XX/2022 with the Credit Reporting Agencies, XXXX, XXXX and Experian. XXXX has removed the late payment. But XXXX and Experian has not. I ask that XXXX and Experian remove the late payment as well. As I was never delinquent on this account. Its set on autopay. Also, the monthly payment date is incorrect on all three bureaus.
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. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, -Late/Closed-Late Dates : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

I have no knowledge of this inquiry nor authorized it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accounts and inquiries listed on my consumer credit report, as they are the result of fraud or a data breach. Additionally, I demand verifiable proof, including my signature or electronic signature, for any alleged authorization. 

This letter is submitted personally, not through a third party, so please review it carefully. I never authorized these actions, and their reporting violates my consumer rights under the Fair Credit Reporting Act ( XXXX  ) : Section XXXX ( XXXX U.S.C. XXXX ) Blocking of information related to fraud or data breaches. 
Section XXXX ( XXXX XXXX. XXXX ) Permissible purposes for accessing consumer reports. 
After contacting the reporting companies, I confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be removed. This unauthorized reporting by creditors or third-party data furnishers is unlawful. 

I request an immediate investigation and a written response confirming the removal of these fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to trans Union customer service about Unauthorized Inquiries on my credit report. I also reach out to the companies that was reported on my credit report. I verbal and sent letters out to trans Union about fraudulent activities on my report. I also have a fraud alert on my credit. Trans Union still refuse to remove the fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX Fed The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I have discovered upon reading privacy terms and conditions that I was not made aware that my transaction history was shared with non-affiliates ( third party companies ) without my permission. Third party companies being XXXX, Experian, XXXXXXXX XXXX XXXX XXXX and XXXX XXXX I have sent notice to XXXX XXXX to Opt out of any and all authorization that may have been given written, unwritten, verbal, non-verbal per 15 USC 6802. and 16 CFR 313.7 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those.

financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to XXXX, XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The balance is reported inaccurate, furthermore any transactional information should not be reflected on my report.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. : XXXX 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

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Vehicle loan or lease

FORD MORTOR CREDIT COMP is reporting an acvount on my credit report that has an incorrect open date and that is against FCRA RULES/LAW. It show an open date of XX/XX/XXXX. It also shows that my last payment was XX/XX/XXXX which is not true and also gaint FCRA RULES/LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX  to dispute items they are reporting are inaccurate and they are providing this inaccurate information to the credit bureaus. They have refused to verify this information because they are unable to. I contacted the courts and they stated they did not provide any information to XXXX XXXX XXXX XXXX  just search their portal so they dont no if its accurate or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 section 2 it also states that a consumer agency can not furnish an account without my permissions or consent
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed multiple inquiries that I do not recognize and never authorized. I have not applied for credit with these companies, nor did I consent to have my credit report accessed. These unauthorized inquiries are causing me undue stress and anxiety.
Product: Credit reporting or other personal consumer reports

2 collection accounts that don't belong to me. I have no agreement with these collection agencies but they continue to add these accounts to my report even after removal which is unlawful.
Product: Checking or savings account

Had an account with XXXX XXXX  He received and cashed out a check for an auto accident. Without my consent. This was after we had split up and were no longer together. The bank had not allowed me to close out our account stating that we would both have to be present. Then they allowed him to cash out a check with my name and close the account. Cloase to XXXX
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt from XXXX that was discharged thru bankrutpcy. Plus on top of that I never received any information about this debt before it hit my report. I would of told them it was no longer owed. Thirdlly the original debt was in my mother 's name XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX/XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 15 1681 ( a ) ( 4 ) There is a need to ensure that consumer report agency exercises there grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any other correspondence nor do I have access to any of these addresses, please delete these addresses other than the one listed above. 
My only phone number is ( XXXX ) XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy, NOT granting me my rights is a direct violation of 15 usc 1681 and all its subsections
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX OF XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Late Payment XXXX XXXX XXXX XXXX ( Account # : XXXX ) To Whom It May Concern, I am formally disputing the late payment reported on my credit file for XXXX XXXX XXXX XXXX ( Account # : XXXX ). This negative mark is inaccurate, and I am requesting its immediate removal per the laws outlined below. 

XXXX. FCRA 1681i Dispute with Credit Bureaus Under the Fair Credit Reporting Act ( FCRA ) 1681i, credit bureaus are required to investigate and verify the accuracy of any disputed information. If the furnisher ( creditor ) can not provide proper documentation proving the late payment is valid, it must be deleted from my credit report. I request that you : Conduct an investigation into this late payment.

Provide me with the date, proof of delinquency, and original creditor documentation validating this claim. 

Delete this late payment if it can not be fully verified. 


XXXX. FDCPA 1692g Debt Validation Requirement Under the Fair Debt Collection Practices Act ( FDCPA ) 1692g, if any third-party collection agency is reporting this late payment, they must provide : Proper validation of the debt. 

Original creditor records showing that I was notified and given a chance to dispute the alleged late payment. 


If the furnisher can not provide this validation, the late payment must be removed from my credit report immediately. 

XXXX. TILA 1666b Timely Posting of Payments Under the Truth in Lending Act ( TILA ) 1666b, payments must be credited as of the date of receipt, unless a delay does not result in a fee or an adverse effect. If the late payment was caused by improper posting or delay on the part of the creditor, this reporting is inaccurate and violates federal law. 

I demand that you provide : Documentation proving that my payment was processed correctly and in compliance with 1666b.

If no such proof exists, the late payment must be removed from my credit report immediately.

Resolution Requested : Delete the late payment entry from my credit report entirely, OR Update the account status to Paid Never Late, ensuring no negative marks remain on my report. 


I request written confirmation once this matter is resolved. Thank you for your immediate attention to this dispute. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On aprox XXXX XX/XX/2021 i was scammed out of XXXX on my Coinbase account,,, on that date i seeked help on Coinbase support page and a box came up they said they was Coinbase support, ,keep in mind this happened on Coinbase support line. Anyhow it was a first time to contact Coinbase so i didnt know how it worked they have no phone just the support line which i was using,,, i wanted to know if i could change a withdraw i just made. They said yes so i went thru the process yes i gave my password but i question it, they said they are Coinbase and if i wanted the help i needed to do so they also said i was typing the password into a bot which no human can see. After that my account was froze and over a 3 day period withdrew XXXX out of my account.I contacted Coinbase after may times and no help... Like i said they have no phone, the only thing they have for customers is a support line which is what i got scammed on. i can prove this as i took parts of their scam i took screen shots, Also after i was scammed they added support to the support line meaning now you need to submit a code from your e mail to send a support question. If that was in place i never would of got scammed,,, they also added a somewhat phone support meaning you apply for a card from Coinbase and when you get the card you can call them now,, which if that was in place i wouldnt of got scammed i would have called first. Thanks XXXX XXXX