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

I am writing to file a formal complaint against TransUnion for their failure to process a dispute that I submitted regarding fraudulent accounts on my credit report. Despite my submission of the required documentation, TransUnion has refused to address my dispute in accordance with both federal law and the guidelines outlined under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent a dispute letter via certified mail to TransUnion, identifying myself as the individual who was initiating the dispute and not a third party. I included the following supporting documentation to validate my claim of identity theft : A copy of my FTC Identity Theft Report, A copy of my Social Security card, A copy of my government-issued identification. 
These documents were sent to confirm my identity and provide evidence of the fraudulent nature of the accounts listed on my credit report. However, despite receiving the dispute letter and documentation, TransUnion has failed to process my dispute or remove the fraudulent accounts. Their refusal to take action is a violation of the regulations under the Fair Credit Reporting Act, which requires them to investigate disputes within a reasonable time frame and take appropriate action on any verified inaccuracies, especially in cases of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 1 ), TransUnion is obligated to investigate any dispute I submit regarding information on my credit report within 30 days of receiving the dispute. As my dispute was initiated on XX/XX/year>, they are in violation of this requirement. Additionally, pursuant to Section 1681c-2, when an individual submits a report of identity theft to a credit reporting agency, that agency is required to block any fraudulent information from the credit report once the report is submitted. TransUnion has not complied with this stipulation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

CCS XXXX is attempting to collect on an alleged debt. They sent me a letter which contains more than XXXX FDCPA violations. I will attach a copy of the letter highlighting each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes to Experian. Experian is violating my rights under FCRA. I understand that it is not illegal for CRAs to partner with financial institutions to provide information but these partnerships are causing Experian to dismiss or prevent valid disputes even when presented with irrefutable evidence that the lender/creditor is knowingly certifying erroneous information. Once the lender answers back their answer is taken as gospel even though more often than not Experian does not require them to submit any supporting evidence of their claims. So I am submitting the same information to CFPB so that Experian can expose themselves as unfair, unethical, and untrustworthy. This dispute involves XXXX XXXX credit card company. They claim payment was late in XXXX and XXXX. Payment was made for XXXX and both accounts are enrolled in credit protection program as of XX/XX/23. Ive attached screenshots of the company website showing dates payment was received and screenshots from my banking app showing the corresponding transactions. None o you d this matters to Experian and they will still refuse to remove the false information. Stay tuned because the corruption is going to be overt and unapologetic.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXX XXXX This item was reflected as a late payment on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
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. 

List of Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Citibank is failing to resolve a credit card dispute in regards to a vehicle upgrade on a lemon vehicle. ( Violation of NJ law N.J.S.A. 56:12-29 to 56:12-49 ) A vehicle upgrade was purchased at the time of delivery ( XX/XX/20 ) but shortly after the car was deemed a lemon due to numerous cosmetic and mechanical issues including : - 10+ deep scratches/scuffs below the paint and primer on doors, upper trunk, lower trunk area, and grill - Paint defects across the car including excess paint ( drips ), rough edges, and more - Damage to the front passenger seat - Damage to the passenger headliner - Damage to the windshield and parking shifter - Condensation in passenger B-pillar and displaying errors on screen - Passenger door would not properly shut - Thousands of small scratches across the vehicle on every panel - Severe screen backlight bleed ( Light spots visible on darker screens ) - Loud high-pitch noise when brakes are utilized - Deep sporadic ( suspected heat pump ) vibrations and pulsations - Misaligned vehicle panels including the trunk, door handles, headlights, door trims The car feature upgrade can be remotely turned off by XXXX and refunded but neither XXXX and Citi are properly resolving the issue. In fact, Citibank prematurely ruled on the credit card dispute without evidence or knowledge that the car was a lemon. The car is being returned back to XXXX as a result of the lemon and I am due for a refund for the feature upgrade that was purchased. I have plenty of supporting documents illustrating the dispute.
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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # 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. 

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, othe than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-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: Money transfer, virtual currency, or money service

Hello, I am a us citizen who lived there up until my father got sick and passed away. He left me problems in XXXX and I had to go there to take care of it legally. It took years of straggling! In the mean time I met the father of my children and I have kids there, I sold my property in XXXX legally through an escrow company, I have paid all my taxes from the sale, and now I wish to buy a condo where I stay with my kids which is currently not in XXXX or the us. I was explaining this to my branch and no one seem to know how to help me and they kept me on hold for hours without a proper answer! I had sold my property legally and I wish to recieve my funds in my XXXX XXXX branch. I have all the details and documents that are necessary for this transaction- but still, I can not have a home where I am currently residing since my money is kept hostage by Wells Fargo bank! My branch explained I can transfer {$5000.00} a day! I have XXXX in my account and every transaction costs a fortune! This is more then an outrage and a very bad way to take advantage of an international customer. 
I would appreciate your prompt respond on this matter.
Product: Payday loan, title loan, personal loan, or advance loan

When this lian originated I had no idea of the excessive fees being charged to me. The amount of interest being charged is over and beyond the maximum amount allowed by Arizona law.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT INQUIRY ON MY experian credit report that SBA XXXX XXXX TX recieved an application for an SBA loan due to covid relief. Application # XXXX for {$200000.00}. Spoke with fraud department, they cancelled the application, told me to file a dispute with experian, put freeze on credit, and file this with identitytheft.gov.
Product: Checking or savings account

Since I opened my account with Bank of the West in XXXX of 2021, they have consistently stolen from me. They fraudulently opened an account in my name that I did not ask for or authorize. I have contacted them at least twice a month since I opened the account, filing several claims against them along the way, and they refuse to address their associate 's fraudulent actions and change my account to the correct one that I had initially chosen. To date, they have stolen {$80.00} from me, and continue to do so on a monthly basis. If they do not refund the money they stole from me and close this fraudulent account today, I will be filing legal charges.
Product: Debt collection

I am a victim of identity theft, and I reached out to one to try to get this resolved. They have three accounts that were results of identity theft. The closed/charged off accounts were for {$480.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX and {$730.00} on XX/XX/XXXX. I reached out to the fraud department multiple times to have it removed. They told me about an address that I am not associated with. They havent done any thorough investigating because no one from their department has reached out to contact me or ask me any questions to confirm any information theyve received. I also sent them an identity theft police report along with an FTC identity theft report. The negative accounts are damaging my credit and I would like this resolved properly.
Product: Debt collection

Approximately three to four months ago I began working with Lake City Credit and a representative who called himself XXXX. He tended to be pushy with me at times and would call while I was at work. Im asked kindly to return his call later that day and not no longer contact me during my work hours XXXX - XXXX. I ended up leaving work later than I anticipated that day and missed the window to reach him. He called me the next morning against my prior wishes and I had to ignore the call. But! He called me right back! Again I ignored it because I was at work. At that point I wasnt calling him back that day. Each day for the next couple weeks he would call me two times a day and if I ignored the call he would double dial me back. It was extremely stressful with all those calls during my work hours. So, I called him back after two weeks and told him I would set up an arrangement at a later time. On XX/XX/2020 XXXX contacted me yet again whilst I was at work. 
I then told him to cease calling my ok one and place me on the company Do Not Call list. He laughed and did not acknowledge me so I again stated I wanted to be on the do not call list and was aware my call was being monitored and recorded On XX/XX/2020 XXXX and Lake City contacted me again.
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 Account # XXXX. 
XXXX XXXX XXXX XXXX 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 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

I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX  - XXXX  XXXX   - XXXX - XXXX  XXXX  - XXXX XXXX - XXXX XXXX - XXXX  XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : XXXX XXXX
Product: Debt collection

Sent an answer to judgement in XXXX. I received a court date to attend, then I received a letter canceling the court date. Received a letter stating I lost judgement against me from LVNV without being aware of the on going lawsuit
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Checking or savings account

I went to XXXX with my children and sister the XXXX of 2021. I had prepaid my trip, thru my timeshare the year before, but when I got to XXXX, they claimed they didn't have the reservation. After XXXX if going back and forth and the timeshare sending them the information ( the hotel XXXX XXXX ), which they claimed they didn't receive, I was charged again for the room. The room wasnt what it was supposed to be and most amenities were not available as promised. I learned it was fraud and my bank Navy Federal, has fraud protection. I had even called while still in XXXX. I gave them all the documents when I returned and because of how the hotel wrote the receipt, they refused to help me. This is not okay
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION THAT I PROPERLY DISPUTED I WASN'T UPDATED ABOUT!
Product: Credit reporting or other personal consumer reports

I want all negative reports removed from reports. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complain to HYUNDAI CAPITAL AMERICA about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance $ XXXX opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX # XXXX opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX  XX/XX/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 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

I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX 72 % {$140.00} XX/XX/XXXX XX/XX/XXXX {$200.00} {$140.00} {$340.00} - Individual
Product: Debt collection

XXXX/XXXX/2018 - XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX, XXXX has sent harassing phone calls to XXXX requesting a debt that I do not owe. I do not know where they got my phone number, but they a determined to collect a debt at this phone number. I have called this " outfit '' several times only to receive their automated system that does not allow one to speak to a person. 
Please inform this " outfit '' to discontinue these harassing phone calls that have been constantly ongoing for over two month or a law suit will be filed for invasion of privacy. Thanks for your help in advance.
Product: Credit card or prepaid card

Was scammed to letting somebody put almost XXXX on my card