23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I had a previous auto loan contract for a defective Certified Pre Owned car that was in an undisclosed vehicle accident prior to be listed for sale and falsely certified as a Certified Pre-Owned car. I also had contract void issues due to the contract not being fully signed. Selling auto dealership refused to buy back the vehicle at time of original sale ( which was purchased out of state and online in XXXX while I resided in XXXX ). I had contacted financial provider, who refused to initiate a vehicle contract void, and used predatory practices to threaten me with damage to my credit if I did not continue to send in monthly payments. I did make all payments to the financial auto loan servicer to protect my credit, and kept contacting dealership, manufacturer and financial loan provider to return car and refund money. I filed with the XXXX, XXXX Attorney General, XXXX Attorney General and used the dealerships own biased arbitration clause to exhaust all possible remedies to no avail. At the time of warranty being close to expiration and with over XXXX different warranty repair history and car still not free of defects, arrangements and notice was given to financial provider that car was going to be returned to the local authorized brand dealership due to car still having leaks, mechanical failures, engine issues that were not repairable. Instead, financial loan provider is reporting a false charge off to my credit reporting bureaus and had refused to refund my {$24000.00} plus {$8000.00} attorney fees. It is falsely reporting a negative account charge off and this is predatory and a violation of the Fair Credit Act. My credit needs to be in compliance with the Fair Credit Act, the loan provider is prohibited from using predatory and exploitation in credit reporting and retaining funds and demanding payments and refusing to void contract from the beginning. All payments were sent on time to protect my credit and I was told that the car was mine, and I was responsible even though it was not a Certified Pre Owned car, but was instead a previous collision vehicle that was falsely labeled as a CPO, when it had front end damage prior to sale, which the dealership concealed and sold the car anyway as a CPO, when it was not.
Product: Debt or credit management

This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 
By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : BestBuy/CBNA Account # : XXXX This account is listed as a collection/charged off account on my credit report but I have not recieved a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I got XXXX in XX/XX/XXXX while I was out of state, I had insurance but I guess it did not cover the whole hospital bill, I was told I would not be responsible for any medical debt due to the pandemic, and I don't feel I am responsible to pay this huge medical balance that is shown on my credit report. I became homeless and was stuck out of state for 3 months until I was well enough to make it home, once back to my state i had lost my home and hadn't worked. it was a very stressful time of my life, I didn't ask to get this worldwide pandemic and i am not sure why this is on my credit, i filed bankruptcy back in XXXX and now this is another thing I don't need to deal with. i can barely make ends meet now, i am living alone and have barely make enough money to cover living expenses since they have doubled since the pandemic started. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there should be some government money to help with this type of situation. I don't feel this should be an impact on my credit reports after all we have to deal with after having XXXX
Product: Credit reporting or other personal consumer reports

I was absolutely stunned to see inaccurate accounts appear on my credit report this morning, and I have no idea why. I check my report regularly, but this time, there were unexpected discrepancies that seemed to come out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts remained. I'm requesting that the documents Ive sent be thoroughly reviewed to resolve this, so I can stop worrying about my credit report once and for all.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I noticed I have 3 late payments on my report.

Under the FCRA, the CRAs are legally required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer credit reports.

15 U.S.C 1681 ( E ) ( 5 ) Accuracy of Report, states that whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure maximum possible accuracy of information concerning the Individual about whom the report relates.

That being said, 15 U.S.C 1681 ( a ) ( 2 ) ( A ) under the Exclusions clause states that, the term " consumer report '' does not include... ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Congress concluded that transactions and experiences are not part of a consumer report. Late payments, charge-offs, and collections are transactions because they involve deferred payments, and utilization referring to a credit account is an experience created by credit usage. This is not a request for verification. It is precisely clear by the language enacted, that congress did not intend for a consumers payment history and account balance information to be included within a consumers report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a friend of mine from XXXX transferred XXXX XXXX  to my checking account in Bank of America. He also sent a screenshot of a successful transaction from XXXX bank app. After noticing that the money was not available in my account after 3 days, I decided to call BofA support, where they told me that there is no incoming wire heading my way. 
I wanted a few more days and also asked my fried to run investigation on his end. His Bank was more cooperative and told that they see that the money reached BofA but not my account. 
I also called BofA again, and got the same answer as last time. 
It seems that the BofA have my money but do not release it. Furthermore they do not seem to be willing to help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a letter demanding {$1000.00} for each remaining item XXXX leaves on my credit report. If these items are not removed I will be going ahead with my FCRA lawsuit. I have given XXXX many opportunities to delete this information but now I am left with no choice. An automated computer response will not suffice as an answer. I want a real response from a human being
Product: Credit reporting or other personal consumer reports

30 day late on XX/XX/2023 for XXXX XXXX XXXX XXXX. The card has always been on auto pay. 

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 15 U.S.C 1666b
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : XXXX In XX/XX/2022, I filed a complaint with CFPB. As I previously indicated, I subsequently received credit report from XXXX and XXXX. On XX/XX/XXXX, I submitted feedback indicating I never received a credit report from Experian. CFPB later closed the complaint regardless of the fact that it was never successfully resolved. Is it the policy of CFPB to close complaints regardless of whether they're resolved?
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Companies are in violation of title 15 usc 1681b, reporting without written consent, title 15 usc 1681 c-2. Information in alleged identity theft be removed in 4 days, also in violation of title 15 usc 1681n and title 15 usc 1681o. Willful and negligent non compliance 2nd attempt for abritration
Product: Credit card or prepaid card

I receive a settlement of {$290000.00} in XX/XX/2012 an open account with Wells Fargo XXXX XXXX in Delaware I spoke to the teller and he asked me to open two secured credit cards both of us {$3500.00} each so {$7000.00} which was my own money I open account XX/XX/2012 I had over {$200000.00} in the bank but I just looked at the credit report and it's saying that I opened the card XX/XX/2012 and I was {$1000.00} negative I noticed to lie so I please can someone help me with this issue
Product: Debt collection

I started getting a phone call from this company who would not let me speak. They demanded that I verify myself and they threaten to sue me. If I didnt verify myself my credit report is completely clean. I do not owe any debts Furthermore, they never contacted me by mail first which is a violation Secondly, no one gave them permissible purpose to contact me. Im sure there are other violations to be said.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX XXXXXXXX ALREADY PAID IN FULL AND NEVER LATE, NOT MY DEBT This is XXXX XXXX false info below : Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$8400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$8400.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Transunion regarding 8 accounts that should not be reporting on my credit report any longer, These accounts have passed the legal statutory time that they should be reporting on my credit report, they are intermediate accounts which means they are closed and paid in full. They are over 7 years old. 

Furthermore, the accounts are enrolled in the Dept of education XXXX XXXX program which states This program eliminates the negative effects of default for borrowers with defaulted federal student loans. Credit Reporting Features and Protections Due to the Fair Credit Reporting Act, loans that have been delinquent for more than seven years generally do not appear on credit reports produced by credit reporting agencies. To ensure the maximum opportunity for borrowers with eligible defaulted federal student loans to get a fresh start, XXXX will delete reporting about loans that have been delinquent, even if the borrower enrolls in a repayment plan through the XXXX XXXX initiative ; report all other defaulted loans to credit reporting agencies as current and not in a collection status ; and use a loans original date of delinquency if borrowers become delinquent or go into default again after this XXXX XXXX opportunity, which will not reset the seven-year timeline for a borrowers credit report. 

PLEASE REMOVE THE EIGHT ACCOUNTS. AS THIS IS PART OF THE FRESH START PROGRAM TO NOT REPORT COLLECTION OR DELINQUENCY. 

I have included all supporting documentation
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ XXXX and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXXXXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Credit card

On XX/XX/XXXX, I contacted Synchrony CareCredit via chat on their website to inquire about a charge for {$2700.00} on XX/XX/XXXX. I had not seen the charge up until that point because I had not checked my account nor seen account statements, and my account was on auto pay. After speaking with an associate, it turned out that this was deferred interest accruing during the card 's promotional period. It was all charged at once on XX/XX/XXXX. I was not aware of this. The associate ( XXXX, no last name given ) stated ( in writing, I can provide screen shots ) that if I pay the remaining balance {$3400.00} on that day, they would waive the interest fee and my account balance would be {$0.00}. I agreed and made the payment. The balance did not reset to {$0.00} and still showed the outstanding {$2700.00}. I called and spoke with an Account Manager ( the did not say their name ). They stated that they could not honor that agreement. I requested that they review the chat logs to see the agreement propose by the chat associate. They stated that they would put in a request to do so and stated that they could not access the chat logs themselves. I called back on XX/XX/XXXX and got XXXX ( Account Manager, no last name given ). He advised that there was nothing he could do, he could not see the chat logs, and stated that they would not honor the agreement proposed by the Synchrony associate. He stated that my only course of action would be to contact their corporate office. I can provide screenshots as proof of everything I've stated here. I've made the payment of {$3400.00} and still have a remaining balance of {$2700.00}. I want Synchrony to honor the agreement their associate proposed in writing. I've attached the screenshot of their associate 's offer. I can send the remaining screenshots of the conversation as well to a case manager.
Product: Credit reporting or other personal consumer reports

Inquires listed below on my credit report that i didnt authorize : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XXXX XXXX XXXX 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 or other personal consumer reports

CFPB Complaint : TransUnion XXXX XXXX XXXX  Failed to Fix Disputed Errors Request for Removal 1. What is this complaint about?

Credit reporting issues Failure to fix errors after dispute & failure to mark the account as disputed** 2. Who is responsible? 
TransUnion ( Credit Reporting Agency XXXX XXXX XXXX XXXX Creditor/Furnisher ) 3. What happened? 

I disputed inaccurate and outdated information on my credit report with TransUnion and XXXX XXXX, but they **failed to correct or remove the errors. They also violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to mark the account as disputed** during the investigation process. Since they did not properly verify the accuracy of this information, I am requesting the immediate removal of this account from my credit file. 

The errors that remain on my credit report despite my dispute : - Creditor : XXXX XXXX XXXX Account Status : ** Still shows **Sold ; was Charged-off** even after my dispute - Payment History : Incorrectly reports XXXX days late** ( XX/XX/XXXX - XX/XX/XXXX ) - High Balance & Credit Limit : ** Incorrectly listed as {$370.00} balance / {$100.00} credit limit - Estimated Removal Date : Still shows XX/XX/XXXX, which should be corrected, - Failure to Mark Account as Disputed : ** Both TransUnion and XXXX XXXX  failed to mark this account as disputed during the investigation, which is a clear violation of FCRA 611 ( a ) ( 3 ) & 623 ( a ) ( 3 ) Because this information is inaccurate, unverifiable, and was not properly investigated, it must be deleted from my credit file per FCRA 611 ( a ) ( 5 ) ( A ).

4. How TransUnion & XXXX XXXX Violated the FCRA TransUnion ( Credit Bureau ) Violations - FCRA 611 ( 15 U.S.C. 1681i ) Failed to conduct a proper reinvestigation and continued reporting inaccurate information.

- FCRA 611 ( a ) ( 3 ) Did not mark the account as " disputed '' after receiving my dispute. 

XXXX XXXX  ( Creditor/Furnisher ) Violations - FCRA 623 ( 15 U.S.C. 1681s-2 ) Failed to properly investigate my dispute.

- FCRA 623 ( a ) ( 3 ) ** Did not report the account as " disputed '' to the credit bureaus as required.