23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Equifax is a massive multi-billion-dollar company that in return for this no compete against other companies and monopolistic position with extreme power over consumers well-being they must serve tens of millions of customers. Equifax at least has yet to remove the falsely reported payment late information with XXXX XXXX  and XXXX XXXX XXXX XXXX or companies that both admitted to falsely reporting late payments. All negative information on credit report needs to be removed immediately and the creditor blocked.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report
Product: Payday loan, title loan, or personal loan

Sun XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX has late payment information listed inaccurately on XXXX and XXXX. 
ON XXXX they have " 0 '' under number of late payments but on XXXX it is listed as " 3 '' late payments. 

15 USC 1681 ( a ) ( i ) says I can have this account deleted if these erroneous statements can not be verified. 
These reports are dated XX/XX/23.
Product: Debt collection

Creditor Name AD ASTRA REC Original Creditor 12 XXXX XXXX 83 Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : 1. TransUnion ( XXXX ) Account # XXXX XXXX. XXXX ( XXXX ) Account # XXXX 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
Product: Checking or savings account

CITIBANK LOCKED MY CHECKING ACCOUNT ON OR AROUND XX/XX/23 AS A RESULT OF POTENTIAL FRAUD OR A SECURITY ISSUE. I SPOKE TO A REP ON SATURDAY WHO TOLD ME I HAD TO CALL BACK ON XX/XX/23 WHEN THE DEPARTMENT THAT HANDLES IT IS BACK. I DID MAKE NUMEROUS CALLS TO CITIBANK ON XX/XX/23 AND THE REPS THAT I SPOKE TO COULD NOT TELL ME WHO PUT THE BLOCK ON THE ACCOUNT AND WHY. THEY REACHED OUT TO THE FRAUD/SECURITY DEPARTMENTS WHO TOLD THEM THAT I NEEDED TO VISIT THE NEAREST BRANCH, PROBLEM IS THERE ARE NO BRANCHES IN MY STATE OF ARIZONA AND THE NEAREST IS ABOUT XXXX MILES AWAY IN CALIFORNIA. I THEN CALLED AGAIN AND SPOKE TO A WOMAN NAMED XXXX WHO ALSO REACHED OUT AND HAD NO IDEA AS TO WHAT WAS GOING ON. SHE TOLD ME I WOULD GET AN EMAIL WITHIN 1 TO 3 BUSINESS DAYS AND FILED A COMPLAINT # XXXX. IN THE MEAN TIME I CAN NOT USE MY DEBIT CARD MAKE ANY WITHDRAWALS OR PAY ANY BILLS THROUGH THE ACCOUNT SINCE IT IS NOW BLOCKED. PLEASE PROVIDE A REMEDY FOR THIS ISSUE IF AT ALL POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged on to Equifax through your site. 
They asked me questions about my credit history that would suggest they are harboring falls information about me. Now refusing to release what they have, unless I submit to a ridiculous search. They are miss handling information! Why would they be aloud to collect more than what they have gleaned from illegitimate sources?
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a fraudulent account that appears on my credit report. After reviewing my report, I identified an account that I did not authorize, which is negatively impacting my creditworthiness. 

Despite my efforts to resolve this issue directly with the reporting credit bureau and the creditor, his fraudulent account remains on my report. It continues to hinder my ability to obtain credit. 

I kindly request your assistance in investigating this matter and promptly removing this fraudulent account from my credit report. 

Thank you for your attention to this issue, and I appreciate your help in protecting my consumer rights.
Product: Mortgage

I applied at discover mortgage loan pre qualification online they told me they wouldnt run my credit they did I ended up getting a hard inquiry and not a soft pull they lied I called them they told me they couldn't remove it I asked them why they said they couldnt so I said I had to report it it must have been something along the lines of XXXX antagonists. Im trying to obtain an efficiency through my XXXX XXXX  or Section 8 on SSI
Product: Credit card or prepaid card

I reached out to chase and explained I never even received the card they stated there was charges on the card which I also never made I was out of the country the time they stated the account was open and charges were made they refused to close the account I am asking the account charges be removed and now I am requesting damages paid to me in the amount of {$1000.00} since chase knew about the fraudulent charges/account and continued to use my information and charge the account without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g. 

As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previous sent out dispute letters for these following accounts XXXX XXXXXXXX XXXX, XXXX XXXX , XXXXXXXX XXXX , and XXXX giving each Bureau 30 days to verify these accounts that are inaccurate. They failed to positively verify these accounts and since complaints where made they decided to update my information which is not complying with the FCRA laws that states they must verify or delete. According to section 617 civil liability for negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. I ask this be removed or I will seek Litigation.
Product: Debt collection

I paid off my loan last Monday. WHERE THE XXXX IS MY TITLE??!! No one is helping me - Ive called way too many times to get this addressed. I need my car title to sell my car. IT IS RIDICULOUS THAT IT TAKES ALMOST A MONTH TO GET MY TITLE. I reported this company to XXXX  and the FTC. I want my title overnighted ASAP or I will escalate to whatever government agencies I have to along with the press. 

You are predators preying on people in times of need. SHAME ON YOU!! 

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

There is an account reporting on my report in the amount of {$5500.00} from XXXX XXXX XXXX XXXX, XXXX did not allow me to dispute the information found on said account, which includes an incorrect date opened, as well as they are reporting a balance past due on a collection account which both are against the fcra, all information reported must be accurate! Please help me in resolving this issue
Product: Debt collection

I mailed a Coupon/Bill of Approval on XX/XX/2021 via certified mail and return receipt to the CFO and Registered Agent. Both were delivered on XX/XX/2021. Pursuant to UCC 1-202 ( f ), upon receiving these notices, they were hereby notified. Whether they accept or not the coupon which is a negotiable instrument, it is discharged upon receipt pursuant to UCC 3-603. Whether they accept my negotiable instrument or not they have to XXXX out the balance and mail me a check for the remaining balance. Up until today, I have not received anything from them.
Product: Checking or savings account

On Friday, XX/XX/XXXX I enacted a living revocable trust as part of my estate planning process. I therefore submitted my certificate of trust in person to JP Morgan Chase 's local branch ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ) on Saturday, XX/XX/XXXX at XXXXXXXX XXXX XXXX  with JPMC private banker XXXX XXXX. He took down our proof of identity and certificate of trust documents to move forward with the conversion of our JPMC checking account from personal ownership to trust ownership. For reasons I don't pretend to understand, this request was denied unless additional trust documents were submitted. The original ask was for the entire trust to be disclosed, which I and my husband had specifically been instructed by my lawyer not to turn over to any outside parties for any reason. Another reason I was suspicious - my lawyer had asked to be forwarded the rejection email from JPMC with the request for additional information, which JPMC has inexplicably refused to do. I therefore declined to request and asked to speak to the branch manager XXXX. I had to wait until Thursday XX/XX/XXXX for her to return from PTO. I then went back to the branch on Thursday XX/XX/XXXX and specifically turned over Section 3 of my trust which further enumerated Rights and Powers of Settlors. However, JPMC has continued to spin their wheels and continues to ask for the entire trust as of XXXX  XX/XX/XXXX and again on XXXX  XX/XX/XXXX despite the fact that I have already fulfilled their specific request as confirmed by branch manager XXXX. I have therefore submitted this formal CFPB complaint so that regulatory intervention will require JPMC to fulfill their outstanding fiduciary responsibilities.
Product: Debt collection

During the year 2017 I went to XXXX XXXX to purchase a bed, and wanted to use my XXXX  XXXX card to pay for it. The limit on the card was {$700.00}, and I requested them to raise the limit to {$2500.00} so that I could pay for the bed. They rejected my request, saying that there was an outstanding debt reflected on my credit report. I knew nothing of any debt and immediatelt went to the credit bureau to see what this could be. I was horrified to find that on XX/XX/2017 a company, LVNV Funding LLC, supposedly acting on behalf of XXXX XXXX, XXXX, had lodged a debt owing of {$460.00}. I have never heard of either company, and requests to them to have this removed have gone unanswered, and my complaint to the credit bureau was negatively responded to, and they told me to contact you. 

Because I do not have any credit cards or other debts other than my home and car, I haven't worried too much about it, but I just had my car refinanced by my bank and they mentioned this to me again, and penalised me because it was still unpaid by adding 2 % onto the interest rate that they would have charged me had it not been there. 

I have copies of the correspondence sent to both LVNV and XXXX XXXX should you wish to see them, and I would be grateful if you could advise me what further steps I can take to get this debt removed from the credit bureaus.
Product: Checking or savings account

I opened up my account with Citi bank at the beginning of XXXX around XX/XX/XXXX. I then added {$2500.00} to my account and made XXXX transaction of {$200.00} for dinner and added my debit card to XXXX XXXX. That night on XX/XX/XXXX after dinner i received an email from citi bank to confirm that I was the person who made the transaction to which i confirmed that it was me and no other transactions were made following the confirmation that my card was ready to use. On the XXXX that morning i received another email from Citi bank without cause that they locked my account and to contact the fraud dept. after contacting them they told me that they had to send a letter to my address on file with a reference number to unblock my account and would receive it within XXXX business days. I reached back out to them on XX/XX/XXXX after still having not received the letter and they told me there were no other options and that they could resend the letter to my address. It is not XX/XX/XXXX and 30 days have passed with no letter and no access to the funds in my account with no other options. I asked if i could go to a branch and verify my identity and they told me no bc the letter would still be required. I just want access to my funds and Im hoping you guys can help
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing an account that is falsely being reported on my XXXX credit report. The account belongs to XXXX, and it is not mine. I have never had any financial relationship with XXXX, nor have I ever opened an account with them. 

I previously disputed this fraudulent account with XXXX, and instead of removing it, they only marked it as closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) because they are reporting false and unverified information. 

Under FCRA Section 611 ( 15 U.S.C. 1681i ), XXXX is required to conduct a full reinvestigation and remove the inaccurate information if it can not be verified. I am demanding immediate deletion of this account from my credit report.
Product: Debt collection

LVNV Funding LLC, is stating that I owe a debt in the amount of {$240.00}. I repeatedly disputed this claim several times in the last year because this debt is not mine and fraudulent activity with this account. I have never signed a contract or received any paperwork from LVNV Funding LLC stating that I owe this debt or details of this debt.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate accounts appearing on my credit report, as they do not reflect correct or verified information. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are required to maintain the maximum possible accuracy in all reported data. The presence of these incorrect accounts violates my rights as a consumer and must be addressed without delay. The continued reporting of any unverified, inaccurate, or unauthorized accounts constitutes willful non-compliance under 15 U.S.C. 1681n, which holds the responsible parties liable for {$1000.00} per occurrence. As I am exercising my rights under 15 U.S.C. 1681b, I demand an immediate investigation into the disputed accounts and require their removal if they can not be fully verified. I expect all inaccurate, unauthorized, or unverified accounts to be permanently deleted from my credit file, and I require written confirmation once these corrections have been made. Failure to comply with this request will leave me no choice but to escalate this matter further through legal and regulatory channels.
Product: Credit reporting or other personal consumer reports

Hello, Both Experian and XXXX have both been notified three times with a written request, with no cooperation, of the erroneous entry of XXXX reporting a 30 late on my credit. 

In addition, XXXX was called two times. 

First, XXXX of XXXX was contacted XXXX XXXX XXXXXX/XX/year>, and she assured that my account is in perfect standing with no lates. She stated that they're collecting more money than I owe and have a benefit of XXXXXXXX XXXX, XXXX XXXX XXXX was contacted XXXX XXXX XXXX ALSO assured that my account is in perfect standing with no lates. I mentioned the concerns how this erroneous entry is adversely impacting my credit and that it's in direct violation of Federal Law. She reiterated everything that XXXX stated that they're collecting more money than I owe and have a benefit of XXXX and they owe me. 

In summary, two agents of XXXX have confirmed that I have no lates, the account is in perfect standing, and when asked for the original documentation, and there's not any original documentation of lates to provide, because there is no lates. 

Thus, XXXX and Experian have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA so they are required by law to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

They are both in violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which promotes accuracy, fairness, and the privacy of personal information assembled by
Credit Reporting Agencies ( CRAs ) Please investigate and enforce the laws, rules, and regulations on both parties, please. 

Kindest Regards, XXXX XXXX
Product: Debt collection

I paid off my account with XXXX XXXX years ago and the account was closed. I got very sick and in a coma 61 days ( flatlined 3 times ) and the hospital 9 months. Then transworld systems inc has been putting on a collection on my credit report with all the credit bureaus. This is illegal and they are placing things on peoples credit and then changing the dates and payments history! I want to file a federal complaint against transworld systems, XXXX!!! 
Thank you for your help and understanding with this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trafficking Block Request Dear Sir or Madam : I am a victim of human trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I turned my lease in XX/XX/XXXX. XXXX XXXX XXXX. On time no issues. I received a letter dated XX/XX/XXXX from GM Financial Leasing stating they accepted my lease return and I would be billed for end of lease fees within 45 days. I never received this bill. My credit report showed the account was closed. I thought the car sold and I owed no fees because I never received a bill. Fast forward to XXXX of XXXX ; 8 months later. I have a new lease with another company and I never heard from GM ... ... .until now. I received a bill dated XX/XX/XXXX, stating I owed the disposition fee of {$420.00} ( including taxes ). This amount was due XX/XX/XXXX. They bill me 8 months later and give me 15 days to pay. I called them 3x and emailed their ebox that the call center gave me fro complaints. No written response as requested. When I called each time they stated I owed the contractual fee and if I didn't pay I would be reported to the credit bureaus. They stated the bills were sent out late due to the car wasn't processed until XXXX. I'm assuming as an oversight and shouldn't be my problem. 
*****Why is this my fault? The disposition fee is on the lease agreement to be billed at the end of the lease. I have a letter stating they would send a bill within 45 days. They did not. How do they get to bill me whenever they want? This is very deceptive. They made an error in timing and give me 15 days to pay? I paid today XX/XX/XXXX, because I have over an 800 FICO score and didn't need the headache of another fight. I want the leasing banks held accountable for their billing practices and should not be allowed to bill customers whenever they want.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach XXXX via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my XXXX  report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX XXXX XXXX XXXX XXXX FIRST HORIZION BANK XXXX XXXX XXXX XXXX
Product: Debt collection

My Medical debt was discharged in my bankruptcy. The debt is repeatedly getting removed and added back on my credit report impacting my score. I am tired of the numerous calls.
Product: Checking or savings account

XXXX federal is giving XXXX options of overdraft but they are trying to charge us for overdraft XXXX  when we first open the account they dont tell us they gone charge us
Product: Debt collection

I have never heard of this company nor have I had a contract with this company. They have negatively put this on my credit and have lowered my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry ) 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 an account without my written instructions.