23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXXXXXX XXXX : # XXXX, XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 card

In the month of XXXX I deposited extra money to my Capital One account. I have had my card for many years. I wanted to buy a plane ticket. From that moment on, my account was blocked. But they just ignored me, the transaction was suspicious, that's why I sent them my identification but they didn't accept it. I asked to speak to the supervisor but there was no positive response.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

When my 3 years lease with Nissan Leaf was ending, I contact Nissan Motor Acceptance corp, for end of lease instructions, they mentioned Extension of lease with first three payments waiver and 2018 leaf offer as and when available. This is fradulent and they reported to credit bureaus for 60 days late payment. This is giving my immense hardship.Every day I am suffering from negative credit report as I am not able to apply for any loan or credit checks. They offer payment waiver and misguided consumer not considering the Agreement. I am seeking help. I contacted multiple times. There is no information or details about 2018 Leaf, it has been almost 5 months in extension of lease. I am seeking help!!
Product: Credit reporting or other personal consumer reports

No idea what they have added as no job is accepting me now may have been a creditting scamming loan company i need to know what chanegd on the last several months bc i applied to jobs which i had easily got accepted in the past and all of a sudden getting turned down from every job i apply at and they are saying it is something on my backround check. and i do not have any felonies or anythign like that so i need someone to contact me asap to know what in the world is going on.
Product: Credit reporting or other personal consumer reports

Yes I have sent in letters certified with inaccuracies on my report. These letters have been signed by the credit bureau confirming they have received them. I have disputed these account numerous time and nothing has been fixed or changed but they claim it has. There has been numerous violation with no action being taken. I demand these accounts be removed. I have a court date set in place to sue for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed. XXXX, Transunion, and XXXX XXXX XXXX ( XXXX ) are all refusing to remove fraudulent information from my credit report after providing verification from XXXX that the tradelines were successfully removed from their report. Transunion and XXXX claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor, XXXX, is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all three entities. I have repeated multiple times and made it very clear that I have never paid XXXX and never will. XXXX is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department. I have substantial evidence that proves XXXX engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies. XXXX is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several XXXX employees told me this action was to prevent the account from being charged off. The account should have been charged off XXXX XX/XX/2013 according to the original default date. Somehow XXXX managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from 2013 to some distant year. Also, Transunion is reporting that one of the 4 tradelines is closed/paid in full and the remaining 3 are current. This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into Transunion, XXXX, and XXXX. This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transuion on XXXX XXXX, XXXX regarding a late payment for XXXX XXXX XXXX for XXXX on my credit report. I provided Transunion with a demand letter from XXXX XXXX XXXX requiring all credit reporting agencies to remove the late payment from XXXX from my credit file. Transunion sent a response letter dated XXXX XXXX, XXXX advising that the late payment from XXXX had been removed from my file and the account would show always paid on time. However, credit reports from Transunion from XXXX XXXX, XXXX and XXXX XXXX, XXXX both show that Transunion has not removed the XXXX late payment from my credit file as they promised to do so in their letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I reached out to my financial institution on XX/XX/XXXX regarding the rental occupancy scam I was recently involved in on XX/XX/XXXX in the amount of {$1000.00} that was debited from my personal checking on XX/XX/XXXX. I have a XXXX XXXX XXXX XXXX  case number XXXX, I also filed my complaint with the XXXX, XXXX XXXX XXXX  XXXX and attorney general regarding being a victim of a rental occupancy scam. My bank Capital one declined my claim on XX/XX/XXXX without asking for proper documentation showing that I was a victim of a scam. I reached back out to capital one on XX/XX/XXXX telling them I have all the proper documentation to assist with recovering my funds. Yet no action has been taken to help me recover my lost funds in this terrible situation I was involved in.
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, 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
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.A QWR and NOE was sent to your office on XXXX/XXXX/XXXX on behalf on XXXX XXXX. The lender has failed to respond or acknowledge the legal QWR and NOE. When called the lender confirmed documents had been received
Product: Credit card or prepaid card

I purchased a gift card on XX/XX/2023, that was fraudulently used. 

I contacted Incomm immediately to dispute the charge and request a replacement card, opening case number XXXX. 

On XXXX XXXX, XXXX, Incomm requested documentation on the card, which I provided and also attached to this complaint. 

Since then, I have not heard any updates on this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my 2nd complaint to the CFPB regarding TransUnion 's ability to dispute items online. Since I'm unable to initiate my dispute through TransUnion, I'm submitting my dispute through the CFPB. There are three new collection items that have been added to my credit file that should've all been included in my chapter XXXX bankruptcy filing : Account name XXXX XXXX XXXX   Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Debt collection

They contacted my work phone number when i would't answer my cell phone for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is willfully furnishing inaccurate information on my consumer report. These errors have caused me a great deal of stress. These inaccuracies have caused me to be denied my basic needs. I am demanding the removal off all the inaccuracies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

this company has XXXX accts with different acct numbers and amounts I do n't know nothing about this acct, plz remove, this was open 2006 my credit is not good because of them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance : {$880.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXXXXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$880.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$99.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit card or prepaid card

I made my payment on XX/XX/2020 @ XXXX XXXX. Capital One payment cut off is XXXX I advised them that the day ends at XXXX XXXX   not XXXX. So the fact that they capital one is putting this payment for XX/XX/2020. This is a false Payment by capital one and not by the consumer. Capital one refuses to change the information however the next business day is XX/XX/2020 2020
Product: Mortgage

AS OF TO DATE THE COMPLAINT LISTED IN THE PAST COMPLAINTS HAVE NEVER RESPECTED RIGHTS OF MY FAMILY AS GOOD CONSUMERS. OUR HOUSE LISTED AT XXXX XXXX XXXX, XXXX, GEORGIA IS WITHOUT THE PROTECTION UNDER LAW AS IT RELATE TO THE 14TH AMENDMENT OF THE CONST. ; GEORGIA LAW OR XXXX U.S.CIVIL RIGHTS LAW : CHAP. XXXX, XXXX ... .THE FRAUD MUST END WITH HUD AND OTHER GOVERMENT AID AND ABETTING THE FRAUD OF XXXX. ( XXXX ) AND XXXX. COVER-UP.PLEASE READ THE ATTACH COMPLIANT FILED XXXX AND {$250000.00} IN DAMAGES.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  several times requesting a sign agreement and also documents showing I applied for the card they never responded
Product: Mortgage

On XX/XX/2021 I applied for a mortgage with Associated Bank. A few days later I received a letter indicating my FICO score. This letter indicated they were sending it to me because it is required and that they would contact me with further details about my application. On Monday XX/XX/2021 I sent an email to the loan officer introducing my self and asking if anything further is needed on my part. I did not recieve a response, through email or phone. After a few days had passed, on XX/XX/2021 I called customer service, specifically the mortgage center and spoke with them about my situation. The person stated he " can see from the computer that I applied 45 days ago '' and couldn't tell me why there has been no response. He said I can apply at another bank if I wanted to. He gave no other options or assistance. The following day, XX/XX/2021, I sent an email through the Banks " contact us '' section. I received a response stating that the complaint was received and will be forwarded. As of XXXX, 2021 I still have no response. No communication from the Bank or request for documents. On the day I applied they checked my credit score and that's it. If I didn't qualify, a simply courtesy note would have been fine. I could have gone somewhere else but I didn't want additional hits on my credit. I don't know why, after emails and phone calls they have not responded. Not a notice to cure or any response. I thought there was a law or something about that. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX located in XXXX, Washington to purchase a used car. I was already pre-approved through XXXX XXXX for the loan and had a check in hand with me. I was putting down {$5000.00} as a down payment. The guy said he needed to run my credit. I asked why? Im pre-approved through my bank already. He said its a soft hit for the check to verify it. I said okay, No need to check my credit for a loan approval. They took my ssn, drivers license and information and after 20 minutes I got a notice to my email saying there was a inquiry to my credit report. I was angry because I had just got a inquiry getting the loan approved through my bank. 

The employee at the dealer kept lying saying he didnt pull my credit report and it was just a soft hit to verify the check. I said why didnt you call the bank to verify the check. He said they always do a soft verification for checks. He was lying. Another couple was getting a car and presented a check and I didnt hear them tell them they would have to check their credit for the check. 

They kept saying they didnt do a hard hit but they did. I went back and forth with the manager trying to get it removed over the phone for several weeks. He said he would take care of it and never did. The credit bureaus dont allow you to dispute a hard hit online. You have to send in a letter and go through several inconvenience steps when this should have never happened. I want this inquiry removed. I feel they only verified me because I was a XXXX guy presenting this check!
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXXXXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through my credit report and I don't recognize the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2. it also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

A suit was entered in WI circuit court for a suppose credit card $ XXXX debt in XX/XX/XXXX. I was never served and this false credit card debt was entered as a default judgment XX/XX/XXXX without verifying the debt. It has now been XXXX yrs and the zombie debt is statute barred from collection. They are trying to restart the statute of limitations clock by trying to serve me and threatening taking property and liens on my homestead. This debt is not verified and may have been sold already to debt buyers for pennies on the dollar so the original creditor already got paid and they have not verified any debt with me. I do not owe this debt by statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am submitting this complaint without error or any influence from a third party agency. Please see the following attached documentation and meet my requests in a timely manner. I have never authorized or gave written consent to any 3rd party to furnish my data with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX