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

I ordered a copy of my report in XXXX XXXX  Dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX and Equifax has not replied to my dispute. According to the Fair Credit Reporting Act, the Credits Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts below. I believe it was reporting in error and must be corrected. 
XXXX XXXX XXXX XXXX : - U S DEPT OF EDXXXX XXXXBalance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 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 even if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I have a loan with Credit Acceptance, XXXX, Michigan, where I didn't even realize that I had a past due amount of {$2700.00} on a {$26000.00} car loan where my car was repossessed last night, XX/XX/2019, without any notification of via mail, email nor phone call. I spoke with an agent within the last thirty days notifying them of a change of address and no mention of repossession was mentioned. My account  number is XXXX.
Product: Vehicle loan or lease

The date was in XX/XX/year> and the bank was First Bank XXXX. I told the seller to dont submit my information because they dont have the product that I needed in that moment. I decline the offer and to my surprise, three days later, I received the notification of credit inquiry.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2019 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX XXXX  Credit usage 100 % Balance {$5300.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$5300.00} Highest balance {$5600.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Profit and loss writeoff Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Is everything correct on your Transunion credit report? 
You are currently reviewing your TransUnion Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to TransUnion. 

Dispute with Transunion Or by Mail at XXXX XXXX XXXX, XXXX, PA XXXX DISPUTE RESPONSE 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A
CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Debt collection

I have never heard of the agency ARC reporting derogatory marks on my credit report and they seem to be a third party and I am filing a NO CONTRACT Dispute. Please investigate as the information reported is false and remove from my credit report.
Product: Credit reporting or other personal consumer reports

I've notice late payments on my consumer report. to my knowledge ive made every payment on time. ive disputed these accounts numerous of times. 
they violated 15 u.s. code 6802 which states : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provide to the consumer a notice that complies with section 6803 of this title.

15 u.s. code 1666 correction billing errors : if a creditor within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit receives at the address disclosed under section 1637b 10 of this title a written notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with disclosure required under section 1637 ( a ) ( 7 ) 15 u.s. code 1681b permissible purpose 15 u.s. code 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card or prepaid card

On XXXX I was charged for services by XXXX XXXX that were never rendered. I have attempted to resolve this issue with a simple dispute. I contacted XXXX XXXX, XXXX and Discover to let them know that I was fraudulently charged by a merchant for services not received. 

Although I have contacted them several times they have not resolved the matter nor given my a credit for this items. 

The charges are : XXXX XXXX XXXX XXXX XXXX + XXXX Discover XXXX These charges total XXXX. 

I reached out to XXXX for resolution because the credit card companies refused to resolve the issue. However, XXXX stated they are not responsible and the credit card companies have to resolve the issue. I also field a complaint with FTC based on XXXX telling me that the document the merchant provided was false and the transaction numbers have been altered.
Product: Credit card or prepaid card

I have a synchrony credit card through Lowes. I have recently noticed that I can not seem to move the balance down hardly at all. Upon further investigation I was able to locate a card security fee. After hours of research, I was able to pin down what this was. Apparently it is a fee that varies based on balance to cover if something happens. I absolutely never agreed to have this added onto my card. I called the card security for the synchrony card to get it cancelled and request a refund for this. They did cancel the fee for the future and refunded ( not yet 3-5 business days ) {$740.00} according to the representative. I asked her how this could have been signed up for when I did not have anything to do with it. She said it was signed up for in XX/XX/2009 when the card was opened. I never agreed to this and would like to know how this was happened. I did end the call with them, but after digging even more, I realized that XXXX $ is only like one year of fees. We are talking about 12 years of fees - thousands of dollars, taken without any written approval. The representative said they only need verbal agreement, which no one gave. I fee I am in my legal right to get all of the fees refunded and I can not fathom how this is okay. They could sign anyone up for this verbal agreement without asking anyone. I am disgusted that people, including me, are being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please pull the phone records for a conversation that took place approximatelyXX/XX/XXXX between myself and a XXXX customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that XXXX starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the XXXX customer service agent on approximately XX/XX/XXXX I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with XXXX, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with XXXX! 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX 's solely due to XXXX 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with XXXX 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these XXXX false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my XXXX student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, LA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX  XXXX # XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect reporting on my Transunion credit report. The XXXX XXXX XXXX account is reporting that this account was over 120 days pass due under payment history. One the payment grid it only shows I had only one thirty day late. Since I was only one time 30 day late there should not have reported 120 days late. I made extension arrangements so this account should not be reported as late. I am enclosing copies of the extension.
Product: Debt collection

In response to complaint XXXX ARS is still participating is 18 U.S. Code 1028A ( 1 ) -1 ) which says Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years along with violations such as 15 U.S. Code 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt stating they will continue to furnish a debt that I have not validated as true or valid. ARS has provided that they have validated a debt that can only be validated by the Alleged Original Creditor which is Myself, XXXX XXXX because I Allegedly Created the debt when I allegedly went for emergent services that is shown in the document attached below, furthermore not only have they admitted to violating these laws they have not complied with my request for copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. ARS requested I get the signature by Contacting whomever they believed was the original creditor because they can not provide such things which means ARS is illegally furnishing debt and validating debt without circumstantial evidence such as The DEBTORS WET SIGNATURE. As a result of the continued neglect to follow law that prohibits such acts, the XXXX XXXX XXXX XXXX XXXX is to be DELETED as of XX/XX/2023 or ARS will be need in CIVIL COURT FOR THESE VIOLATIONS!
Product: Debt collection

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXXXXXX / {$2100.00} XXXX XXXX XXXXXXXX / {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through XXXX the services of my loans. At first I was denied even access to the outsourced XXXX service providers information NelNet after finally receiving NelNets information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my XX/XX/XXXXXXXX was approved through NelNet. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from NelNet 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of XXXX increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to XXXX and NelNet to see what I needed to do. After hours of phone calls with XXXX were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to NelNet for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXXXX/XX/XXXX prompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however transuion has refused. I spoke an agent at XXXX and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by XXXX they would not remove any of the student loan accounts holding, they are reporting four of my XXXX student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until XXXX sends over confirmation the loans have been discharged. 


I need help. I am searching for attorneys at this moment. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the credit bureaus because they have a lot of inaccurate information on my credit report. I wrote my XXXX letter in XXXXXXXX XXXX XXXX. They havent sent me any signatures, or gave correct information on any of my account. They are reporting derogatory on accounts I never opened. They also have a lot of incorrect information but wont remove this off of my report. 

I also attached part of my credit report that are inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violation. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I've marked inaccurate 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

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

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

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XX/XX/2016 {XXXX} 2. XXXX XXXX XX/XX/2016 {XXXX}