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

On XXXX a credit card for the amount of {$3000.00}, on XXXX a car loan for the amount of {$30000.00} and on XXXX another car loan for the amount of {$98000.00} was opened in my name without my knowledge or consent. I have reached out to all consumers and all 3 credit bureau insisting that they handle these fraudulent accounts respectfully. I have mailed all parties all the documents including police reports and FTC reports to hep wit this matter. XXXX and XXXX has since received all documents and removed these fraudulent accounts respectfully. XXXX responded back to me claiming that the consumers verified these fraudulent accounts which is a violation of my right under federal law 15USC1692c ( c ) I also spoke with a supervisor at XXXX XXXX XXXX Department by the name of XXXX XXXX which he responded that I need to contact consumer again and there was nothing he can do after who explained to me that all my paperwork was valid including police report. so I totally feel like I am being Biased towards me because I informed him that my rights was being violated and I was gon na file a complaint which made him claim that he was gon na put the dispute back in.. he refused to handle this matter professionally and I would like for someone to take over this matter respectfully.
Product: Credit reporting or other personal consumer reports

Inaccurate Information TransUnion Credit Report : Creditor Accurate Balance Inaccurate Balance Date Paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Resolution : Verified As Accurate on XX/XX/2023 Correct Debt Owed : Should Be {$240000.00} Incorrect Amount Owed : {$250000.00}
Product: Credit card or prepaid card

On XX/XX/2020, someone accessed my card and made purchases to an online store in the XXXX XXXX. The purchases were for {$120.00} and {$100.00}. I was also charged four XXXX purchase fees in the amounts of XXXX, XXXX, {$2.00}, and {$2.00}, for a total of {$230.00}. I immediately called the company to report a fraud charge but was told I had to wait until the charges cleared. I waited a few days and called back. I was told that they were immediately refunding the International fees and that I would need to fill out paperwork for the fraud, and if I got it back to them within 10 business days, I would get a provisional credit within 48 hours. I filled out the paperwork and faxed it in 6 business days, along with my police report and emails between myself and the store the fraudulent purchases were made through stating they had located the fraudulent account. It has now been 4 business days since they  received that information ( I called to verify ), and no credit, no refund of XXXX fees. I have spent OVER 19 hours on hold with these individuals, only to be lied to, given the run-around, switched to another layer of their network, and hung up on. I am a single mom of a small child and don't have time to sit and wait. I did everything they asked in the tiny time frame they gave me, only to be sitting here on hold for almost 3 hours with more of the same. NO answers, no help. This is my child support money. As a single  mom on XXXX, I NEED this money. Not only was I a victim of credit card fraud, I am now a victim of the crooked company. I feel they are a scam and just out to steal your money. They have ALL THE INFORMATION THEY REQUESTED, AND THEN SOME. WHERE IS MY MONEY?????????
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have sent numerous disputes about this alleged account numerous times. The attachments that are within this complaint. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I sent letters to XXXX XXXX TRANSUNION, XXXX XXXX AND XXXX about this alleged account. My dispute results keep coming back as verified. I have not received any information, letters, emails, or any kind of medium about this alleged account. While glancing at my consumer report, I keep noticing errors that violates my federally protected rights. These violations are subjected to a fine of {$1000.00} for each and every violation and I am prepared to seek litigation for the pain and suffering that this inaccurate misleading information has caused me. The reporting of the account listed has violated FCRA section 607 which requires that only accurate information can be reported in a consumer 's credit report. Please remove ALL previous addresses from my consumer report, reported by TRANSUNION, XXXX, AND XXXX. I have attached my ID and SS card as proof of my identity. 
The alleged account for XXXX XXXX is listing as " CHARGED OFF ''. Once an account has been charged off, the bureaus can NO LONGER report an " active payment '' history. Since this account has been sold to another company ; it should NOT still be reporting like it's open and that means it should NOT have a balance on that alleged account. THAT IS A VIOLATION. The alleged payment history has multiple violations as well. XXXX of XXXX through XX/XX/XXXX shows inconsistent pay reporting. How is the account XXXX  days late in XXXX and in XXXX. That's not possible. VIOLATION! The date says the alleged account was updated XX/XX/XXXX. How? I have not received any information pertaining to validation and verfication of debt. I refuse to keep getting answers from the XXXX XXXX XXXX! How are you all actually verifying alleged account information? Who did you speak with? When did you speak with them? Do you have the ORIGINAL SIGNATURE BEARING CONTRACT? You have a grave responsibility to ensure that you are reporting accurate consistent information and you are NOT. Updating the " dates '' on the accounts and not actually verifying information, falsely manipulates the STATUTE of LIMITATIONS which is a violation. 

FIRST PREMIER, TRANSUNION, XXXX, AND XXXX, have failed to investigate that alleged account properly and your negligence has violated my federally protected rights. I am demanding a deletion of the XXXX XXXX account that's on my consumer report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 1 ) reported my account as late unlawful 2 ) held my accountable for unfair practices, why report me as late for {$1.00}, when the car note for over {$500.00}?

3 ) poor communication, I was never made aware of the ramifications of leaving {$1.00} on my account nor did i receive a follow up in writing At then end of my loan, I called XXXX XXXX dealers services on XX/XX/XXXX to pay off the principal balance on my loan. The only outstanding balance would be late fees. I was informed by XXXX XXXX that due to system limitations, because there was late fees remaining their system requires that a {$1.00} principal balance remain on the account. My online account payment history showed the due date from that point as XX/XX/XXXX. The last and final payment was made on XX/XX/XXXX. This is within 30 days of the calculated due date ( XX/XX/XXXX ). 

However, after receiving notification from the credit bureau it came to my attention that i was reported as 30 days late by XXXX XXXX because of an outstanding balance of {$1.00}. I submitted a correction through my XXXX channel and nothing was fixed. 

I proceeded to check my account online payment history and noticed that my due date was adjusted from XX/XX/XXXX to XX/XX/XXXX. I never requested this adjustment and I was never informed verbally nor in writing that 1 ) my due date would be adjusted and 2 ) a {$1.00} balance would be reported to the credit bureau as a late payment. Also, recorded phone conversations note XXXX XXXX confirmed that they do not report to the bureau for late fees. Also, phone conversations with XXXX XXXX note that the {$1.00} principal balance was required because of their system NOT because I ( the customer ) requested that it remain. 

Working with XXXX XXXX XXXX off I submitted a case for Account number ending in : XXXX, case number : XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX informed me the correction to my credit report not be removed ( even though its unlawful ). The credit department rejected my request twice. They have choose to ignore that a {$1.00} balance remained on my account because their system required this to 'keep the account open '. Had a know that this {$1.00} balance would cause an unlawful reporting that they dont want to correct, I would have satisfied the entire balance on XX/XX/XXXX. Also, I was never told my due date was modified without my knowledge or consent. Had i know this, I would have satisfied the entire balance on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : USDOEXXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account recently appeared on my Credit report. It states that is an account over 6 and a half years old yet it just recently shows on my credit report. According to 15 U.S. Code 1679c, this account must be removed immediately.

The account in question is as follows : XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00}. I am unaware of this account. I have no knowledge of it and it must be removed. 

I hope this finds you well. I am writing to request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609. 

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX. XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00} As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly. 

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings. 

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am an ID theft victim. A store card for XXXX XXXX was opened in my name without my knowledge or authorization. I did not open, use or benefit from the account. The account was opened using my mothers address which I have not lived in several years ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) which is the only reason I had knowledge of the account. I received collection calls when the account defaulted and I advised the agents that the account was fraudulently opened. They did nothing. I have disputed the account with Comenity Bank and their debt buyer XXXX XXXX several times and the information continues to report on my bureau. I want this item removed from my bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto finance is continuing to report missed payments on a charged off account on a car I surrendered due to severe illness back in 2017. 
The amount is now showing as roughly {$20000.00} but the account is closed and charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I found an account listed from Wells Fargo Dillards # XXXX where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, 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 provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires that are not mine and Equifax is refusing to delete. The inquire is XXXX XXXX bank use on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan from XXXX XXXX XXXX in XX/XX/XXXX. I was involved in an accident in XXXX before that I was doing timely payments. Initially the insurance payment paid them off a major of the portion of the principal and then I kept in paying too same as before. I also financed an extended warranty through them so the company of the warranty had to sent me a check the check went to them first and they paid themselves then they paid me. When the loan was closed which was reported on XX/XX/XXXX they reported that I was 30 days late for XXXX payment 30 days late for XXXX payment and 30 days late for XXXX payment. Their representatives were very inept and lacked proper training and this company is probably the worst lienholder Ive been dealing in my entire life. Anyways the payment should be done by the first of each month. I am attaching two screenshots where my payment for the due date on XXXX was made on XX/XX/XXXX in full for the due date by XX/XX/XXXX. Also the payment for the month of XXXX was done in two different dates for two different amounts XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX for the due date by XXXXThey also told me that my account was paid off sometime in the end of XXXX with the check that the warranty company sent to them they paid off themselves in XXXX and then refunded me so despite I took a statement on XX/XX/XXXX to make a payment by XX/XX/XXXX but yes I did not make a payment due to my account being paid off from the check they got from the warranty company. I want to know how is it possible I was 30 days late in payment for the months of XXXX and XXXX and 60 days in XXXX when my account was closed on XXXX? Despite its reported as closed on XX/XX/XXXX on Experian I think.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Credit Card. Charge off date of XX/XX/XXXX. XXXX from XXXX XXXX XXXXXXXX to claim absolved debt as income for XX/XX/XXXX taxes. Form from XXXX XXXX XXXXXXXX was created XX/XX/XXXX.  Currently claiming a limit on account of {$13000.00} and a balance of {$15000.00} on XX/XX/XXXX. Have filed disputes 2 separate times through XXXX XXXX and gotten no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, GA XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Broken lease that was placed on my credit report account with XXXX on XXXX XXXX, XXXX for collections in the amount of {$2400.00}, with / XXXX Apartments Original Creditor. This debt does not show scheduled date to be discontinue on my credit report and is treated as a new collection. I XXXX XXXX applied for an apartment and was denied, because I was informed I owed National Service XXXX Buerau /XXXX Apartments {$2400.00} reported XXXX XXXX, XXXX,. I tried to contact XXXX Apt XXXX In XXXX Az. I was told they went out of business in XXXX and were bought by XXXX Apartment Homes per my conversation with the leasing manager XXXX XXXX on XXXX XXXX, XXXX, The amount of the debt is incorrect XXXX of all it reflects a different amount then the amount owed, XXXX it states that there has been a payment on this account in the amount of {$40.00} XXXX XXXX, XXXX which I have not made or to my knowledge has anyone made on my behave. This debt was originally with another collection company and the company was sold so the debt was sold, the new company has recycled the debt and now there treating it like a new debt this is unlawful, this debt was scheduled to be removed from my credit in XXXX XXXX, I do n't feel its lawfully that a companies can just come in and keep buying debt and recycling and punching you for lives mistakes.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/2020, i submitted a dispute to equifax in regards to inaccurated bankrupcty being reported on my credit file by equifax. I submitted evidence to equifax showing that the address and the name of the person in the bankruptcy case they say belongs to me did not match my name or my address and for those reasons the information should be deleted from my credit profile. However on XX/XX/XXXX they replied stating that they verified the information and it was reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When coming to XXXX  XXXX  I noticed a hard inquiry from PayPal I never authorized for them to pull my credit. I do not even have a PayPal account. Please look in to thos matter for me. I greatly appreciate it. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

all inquiries from XXXX XXXXXXXX and XXXX XXXX  are fraud
Product: Credit reporting or other personal consumer reports

Sterling has taken a VERY long time to complete my background check for employer " XXXX XXXX. '' This has been a nightmare and has also turned into a violation of the FCRA because they are waiting for public records from a XXXX that I've NEVER even lived in. The violation is wilful non-compliance a wilful injury, because they're the reason of me not being able to work and provide for my family. I have evidence that I NEVER have lived in this XXXX called XXXX XXXX XXXX therefore the background check should have been completed in a timely manner. I intended to sue to the fullest extent of the law under Civil liability Section 's 616-617. The background check has taken over a month to complete and should have NEVER taken this long to complete. I'm keeping track of all this information, correspondence ( I contacted this company muiltpe times ), and timeline for pending lawsuit should this background check not be completed immediately.