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

ON XX/XX/2023 I contacted TransUnion, XXXX, and XXXX and explained how my consumer rights were being violated when it comes to reporting transactions. Both XXXX and XXXX removed the account with XXXX XXXX XXXX XXXX XXXX XXXX. So I then sent a 2nd letter to TransUnion explaining that my rights were being violated. 


You must follow the law 15 USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15 USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. 

Transunion still is reporting the account and I also got a letter from XXXX XXXX bank stating their company policy is to report all payment histories. 

TransUnion is not reading the laws and they need to be informed. Please do so and remove this account from my report.
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. 
XXXX  Account # 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 : 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally contesting any unverified or undocumented information in my credit report, in accordance with the FCRA and XXXX XXXX reporting standard. Unsubstantiated claims and false allegations are unacceptable. Ensure accurate and lawful reporting. Provide physical evidence or remove erroneous claims. Mail documentation and updated credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of the following fraudulent accounts and unauthorized inquiry from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

1.Experian Credit Bureau : Has been Reporting inaccurate Fico Scores & since XX/XX/XXXX to XX/XX/XXXX in the range of XXXX, While XXXX and XXXX Credit Bureaus have been reporting my FICO Scores i the range of XXXX XXXX. 
2. Experian has been consistently charging my credit card {$30.00} per month and has fraudulently been unable to provide me quarterly annual reporting on three major credit bureaus ; XXXX, XXXX and Experian since XX/XX/XXXX to XX/XX/XXXX. 
3. Dated XX/XX/XXXX, Experian failed to provide me identity theft protection services as guaranteed and contracted in my $ XXXX  monthly fees from XXXX XXXX XXXX. 
4. To date there is an account XXXX XXXX that was a result of identity theft filed in XXXX and Experian has failed to remove this from my credit report account. 
5. Experian Refused to refund me my monthly fees and provide me with accurate credit reporting.
Product: Student loan

I requested that my account be reviewed as the total number of eligible payments were not accurately totaled when my loan forgiveness was issued. I am due a refund which I have requested several times and have not received. 

I called PHEAA ( Pennsylvania Higher Education Assistance Agency ) a few months ago to place this request over the phone and I have not heard back. I never cashed the {$25.00} check that was issued to me and I do no plan to as there has been a lot of harm that has resulted from not having been issued loan forgiveness in a timely manner as well as not having received the refund which is due to me in a timely manner. I have called the phone number on the letters sent to me from PHEAA many times and there is no answer. It rings once and then the line is disconnected. The phone number supplied : XXXX is not a working number.
Product: Credit reporting or other personal consumer reports

In XX/XX/, I applied for an XXXX XXXX Credit Card with XXXX XXXX. 

Once approved, I linked my account with another persons account. Doing this, created an ongoing issue. Ive never been to use the account. The other account holder is the only one who was able to use the account. 

Despite numerous calls to both XXXX and XXXX XXXX over XXXX months, the issue remains unresolved. I couldnt use the card, add it to my phone via the app, and theres an inaccurate duplicate account report to credit bureaus affecting my credit score. Ive filed several disputes with all XXXX  credit bureaus, asserting the inaccuracy of the reported duplicate account. However, their investigations consistently claim the information is accurate, despite the evident error. 

This has resulted in a significant impact on my credit score, and neither XXXX nor XXXX XXXX has attempted to resolve the problem in over a year.
Product: Vehicle loan or lease

I write with respect to my XXXX Hyundai Elantra and my numerous attempts at receiving a copy of my title. The car was originally a lease, after which, I decided to purchase when the lease ended. 

My understanding through your customer service is that your records indicate that the title was delivered on XX/XX/XXXX to my home address. However, I never received it. I have made numerous ( failed ) attempts and countless phone calls with customer service and Hyundai Titles Department to no avail. 

Specifically, on XX/XX/XXXX, I sent a request for a duplicate title through the Hyundai Titles Department. Despite sending the mailing to the correct address provided to me by your customer service, the mailing was lost and appeared to have never been received by Hyundai. The tracking for this first request is : XXXX. 

After calling countless times regarding my first request, I was told by a customer service manager to send another request, which I did. The tracking for my second request is XXXX. As youll see, my request was delivered to the front desk of the titles department on XX/XX/XXXX and was received by XXXX. 

Upon confirmed receipt, I called customer service and they provided me with a case/confirmation number of XXXX, explaining the request is taking longer than usual to be processed and that my request has not been picked up, viewed, or processed by the titles department yet. 

As you can imagine, I am at my witts end. I have been dealing with customer service unsuccessfully for three whole months! I have not been able to drive my car during this time, and consequently, I am now facing economic hardship due to the lack of customer service support or assistance from Hyundai, as I have not been able to get to work without my vehicle! 

I am beyond frustrated. I have paid for the car in full and have not been able to use my own vehicle.
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. 

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 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. 16815-2 ( 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: Credit reporting or other personal consumer reports

Please remove All Non Mailable Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Pursuant to 15 USC 6801- Protection of Nonpublic Personal Information.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : Remove Hard Inquiry for XXXX XXXX, Pursuant to 15 USC 1681- Permissible Purpose ; Update Accounts as PAID AS AGREED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681. Remove XXXX XXXX XXXX XXXX XXXX XXXX  A charge-off is a Certificate of Indebtedness and Income can not be reported. 
Pursuant to the Privacy Act of 1974
Product: Debt collection

Since last  XXXX ,  Commonwealth Financial has b een r eporting several medical debts it claims I owe to the major credit bureaus ( i.e.     XXXX    ). The  amounts are {$57.00}, {$300.00}, and {$590.00}. It says the debts are owed to  XXXX   XXXX   XXXX  and/or  XXXX   XXXX   XXXX . I have no record of any debts as it reported, nor have I received any notice of collection fro m Commonwealth  themselves.     I have disputed the debts a number of times, since finding them on my credit report, in an attempt to have them removed from my credit ; Ive had no   luck.
I decided to do further research and found that Commonwealth Financial has no license to collect debt in the state of Florida my state of residence,   as well as the location of the hospitals on whose behalf they are supposedly collecting. When I called the Florida  Office of Financial Regulation, I was told that Commonwealths Florid a license number  XXXX  had been voided and revoked on  XXXX   XXXX ,   XXXX  . It was still reporting and re-reporting these debts in  XXXX    XXXX  .     I am admittedly a bit confused as to how an unlicensed collection company can attempt to collect a debt from me at all, let alone report to reputable credit bureaus that heavily affect my life and finances.
Product: Credit reporting 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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all I requested a copy of my report from you you gave me a username and a password which I have attempted to type in five times and each time it tells me it 's wrong there 's no way I made a mistake 5 times in a row the report is beyond inaccurate I mean most of it is wrong I have no idea where you 're getting your information.
First of all you list a lot of different addresses most of them I have never lived at the only address that is correct is the one that you sent the copy of my report to XXXX XXXX XXXX XXXX XXXX Michigan XXXX never lived in any of those other addresses you have my date of birth wrong my date of birth is XXXX/XXXX/XXXX phone numbers none of these phone numbers belong to me my phone number is XXXX XXXX names you have listed XXXX that 's a nickname and not my legal name and not what I use for any type of credit card my legal name is XXXX XXXX XXXX. 

I was a victim of identity theft all other the other three major credit bureaus do n't have any of these negative accounts listed all of this has been resolved quite some time ago your company is very much out of the loop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the accounts listed above belong to me some of them I 've never seen in my life others as I alluded to before were part of the identity-theft that have been removed from everybody else 's report not sure why you still have them and then there was the accounts in good standing which the information is not correct you do n't have payment information or credit lines are so many mistakes on this report it 's unbelievable
Product: Bank account or service

Last week, I had deposited a check into my Santander account in the amount of {$250.00}. Unfortunately, the account from which it was drawn decided to hold funds longer than I had expected, thereby causing the check to bounce. This set off an avalanche of overdraft fees ( 15+ in all ) that were assessed against my account to the tune of {$520.00} as of this writing.
Product: Credit reporting or other personal consumer reports

Fraudulent application submitted XX/XX/25 Called immediately to let Synchrony Bank know Received letter stating application was fraud and hard inquiry would be deleted from report Hard Inquiry has never been removed. I just want the inquiry to be deleted.
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681C-2
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the ongoing and unresolved issues with fraudulent items that continue to appear on my credit report. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of fraudulent items on my credit report. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the inaccuracies. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the fraudulent items. I submitted all necessary documentation to substantiate my claims, which included evidence of the fraud and any relevant police reports. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries, during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the fraudulent items persist on my credit report, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the fraudulent items on my credit report. 

Immediate correction of the inaccuracies by removing the fraudulent items from my credit report.

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit report.

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter. I am asking for your assistance to remove the inaccurate items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/2020 I was scammed on a Best Buy Website when trying to access the Geek Squad service. The scammers bypassed the actual chat box using their own in its place. The scammer logged into my computer with fake Best Buy credentials and then claimed there was a problem that need to be fixed. He asked me to order some items using my Best Buy card. At that point I was starting to realize that I was being scammed, however, this person had access to my computer so I did as he asked so as not to alert him that I was suspicious. He was supposed to contact me the next day, and I assume was going to threaten to destroy my computer if I did not provide the gift card information. After that call I contacted the credit card company cancelled my account since I was not sure this person had the card info. A fraud specialist contacted me and when I asked her what to do with the gift cards when I received them she told me to destroy them which I did. Now the credit card company is denying my claim saying that I benefited from the transaction. While I did receive the cards, they were destroyed based on information received from their representative. Therefore I do not feel that I should be responsible for the {$400.00} in charges.
Product: Vehicle loan or lease

Reviewed my credit report notice that my Ally loan says its closed and delinquent and I have a letter stating that its been closed. I called them they had me on hold and transferred over an hour. I called back they said the have limited access to my acct because its closed. My loan was under my grandmother and myself. On my XXXX  it states closed and current and on XXXX  and XXXX  closed and delinquent.
Product: Credit card

In XXXX of XXXX I let my Daughter use my credit card to open a car Insurance policy with XXXX this was a XXXX time payment. In XXXX of XXXX I noticed XXXX charges on my card of {$440.00} XXXX XXXX both from XXXX. I called my credit card company to dispute this charge because I didn't make it nor approve it plus my daughter informed me that she never signed up for recurring payments XXXX as a matter of fact she made payments from her checking account after the original down-payment in XXXX, I requested proof from my credit card company of a recurring payment agreement XXXX never received it. The charge was removed from my account only to reappear a few weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student Loan provider Navient has reported me XXXX plus days past due on my federal student loan. I was under the assumption that my loan was still in deferment as i was not notified otherwise. and I was also under the assumption that my loan was on hold due to the government placing loans on hold by the Biden administration. I reached out to them and they brought my account back current and placed it back in deferment due to hardship with no problem and the person that i spoke with said that the " late fees '' would stay on my account until my loan comes out of deferment that i did NOT need to make a payment until i started paying the loans back in XXXX. Now my credit report is showing a 3 time delinquency of {$160.00} dollars due to the late fees. I called again and they stated that I could send them a letter of dispute and they could resolve the fees. i sent the letter the same day last month and nothing has been resolved and now i can not get housing due to a late fee. Today I went into my account and paid the late fees because i have not heard back from them and did not know what to do.
Product: Checking or savings account

Received an invitation in the mail ( XXXX/XXXX/2017 ) from my bank saying ( in very large letters ) : " You ; re Invited ''. " Upgrading your account to " Preferred '' is " easy '' and your account number will not change.
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Shortly afterwards on the same day, I telephoned my bank branch ( Fifth Third ) as instructed by the notice. The bank informed I did n't qualify and needed about {$30000.00} more in my account.
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I find this extremely misleading, evasive and extremely poor business practices. You do n't invite someone and then turn them down, it 's that simple. The bank was also not truthful when they claimed the process was " easy '' ... ..far from that!!!
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After examining the flyer further, I did notice the fine print on the back. However, It should have stated on the front that certain conditions had to be satisfied.