23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit acceptance had a representative to contact me that was suppose to be a part of their legal team. I have informed them that one the vehicle debt has gone beyond the statue of limitations to collect. Two the account is not on me for collection because XXXX XXXX XXXX along with Credit Acceptance Authorized sale of this vehicle at an auction and I was never informed or made aware of this. The vehicle was damaged in the flood of Hurricane Harvey and it was taken to XXXX XXXX and it was not inspected by the insurance company until XXXX because they were so far behind. They lied and stated that they tried to send me a message by mail and that makes no sense when the Service Manager literally came to my job to discuss the vehicle. I went to the dealership and the vehicle was not there. I was told it was sold in an auction and It could not been sold unless Credit Acceptance approved and at no point was I informed of this. I have not been infirmed how much the vehicle was sold for. I have no idea If there was a surplus of of funds and if the proceeds was applied to the balance. I believe that this debt is fraudulent and it remains on my credit as an active account being reported as a late payment and open account as of XX/XX/2021. I no longer expect them to be honest in their reporting of this account.
Product: Credit reporting or other personal consumer reports

Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX balance {$12000.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$21000.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX credit card balance {$2600.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$1200.00} Opened XXXX XXXX, XXXX XXXX credit card balance {$1000.00} Opened XXXX XXXXXXXX XXXX XXXX  balance {$2200.00} XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX balance {$5700.00} Opened XX/XX/XXXX XXXX XXXX balance {$640.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  balance {$490.00} Opened XXXX XXXX, XXXX XXXX XXXX balance {$0.00} Opened XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  balance {$4100.00} Opened XXXX XXXX, XXXX XXXXXXXX XXXX balance {$0.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX balance {$9300.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX balance {$9500.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX balance {$1200.00} Opened XXXX XXXX, XXXX XXXX XXXX credit balance {$580.00} All of these are a result of identity theft and fraud And reported it to FTC
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 Bank : # XXXX, XXXX Bank : # XXXX, XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Prop XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : Account Number Not Provided have 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

I am writing to file a formal complaint against TransUnion regarding their continued inaccurate reporting of information on my credit report. Despite numerous attempts to dispute these inaccuracies, I have seen no resolution, and the negative impact on my credit score persists. The most recent update to my credit report was on XX/XX/2023, yet the inaccuracies remain unaddressed. I have tried to dispute online, by mail, and by phone ( customer service doesnt seem to be based in US ). No help! I recently called and asked the representative how often do TransUnion update information? I was told that I had to wait until I noticed an inaccuracy then call to dispute the item. Which you are only allowed to dispute one item at a time, which is 30 days in between! These inaccuracies are adversely causing undue stress and frustration. 

I respectfully request that the CFPB intervene in this matter and take appropriate action to ensure that TransUnion fulfills its obligation to report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there are negative information reported by USAA savings Bank in the amount of {$14000.00} with status of charged-off, amount of {$10000.00} with charged off status, amount of {$6500.00} with charge off status, amount of {$5500.00} with charge off status, XXXX XXXX with {$0.00} balance with 120+ late status opened XX/XX/XXXX, and XXXX XXXX XXXX XXXX {$0.00} balance with charge off status opened XX/XX/XXXX on my credit file they maintained under my Social Security number. I sent USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX as of XX/XX/XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX run inquiries, bearing my wet signature, USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
Product: Checking or savings account

At XX/XX/2024 I requested a new ATM Card from Direct Express.They referred that between 7-10 labors day the new card arrived. Isent my ID license and Social Security Card but at this moment I have not answer.The money in the card is my direct deposit of Social Security Administration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide a copy of my signature with the provider of service to release my medical information to you per HIPPA Law
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account XXXX Transunion account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX Transunion account XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Also the following inquiries Transunion 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX
Product: Student loan

I sent in a final payment of over {$2700.00} on XX/XX/XXXX by certified mail. They received it XX/XX/XXXX. I called XX/XX/XXXX. I was told I sent it to the wrong address, but they cashed the check. It will take 4-6 weeks for me to get my money back. In the meantime, they want me to make another payment that I won't see again. But they will " give me 90 days before they report me to a credit company. '' Really? I made a huge payment. They cashed it but aren't applying it to my account. Fraudulent.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Bounce AI # XXXX, XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I was scammed by someone and they refused to send the money back
Product: Credit card or prepaid card

Called XXXX XXXX credit card fraud dept. reported that I never applied for a credit card. They said they would close the card. Talked to XXXXXXXX XXXX fraud dept. XXXX told me 2 credit cards were taken out in my name. With the correct name, address and social security #. However it was missing my middle name, in which I always use. all of this took plavce the week of XX/XX/XXXX. I also had a bank account open with the same information in XX/XX/XXXX with Wells Fargo. They wouldn't confirm or deny if they were the leak of my information. The reason I think that they are responsible for the breach is because in XXXX we opened a bank account with Wells Fargo and realized 2 days later are information was used to try and get a loan with Wells Fargo and wasn't on our credit score? That was a red flag. We closed the Wells Fargo account that day. It never showed up on our credit score so we thought it was someone trying to trick us and we stopped it. However I am not sure anymore. I'm scared that my social security # has been stolen and I could loose so much of my credit because of that ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$6500.00} to XXXX IN XX/XX/2023 They have not shown this on Transunion Ive reported it 15 times They keep removing my dispute One time they showed the credit But it was removed! 
This has been ongoing since XX/XX/2023!
Product: Consumer Loan

Employees at Tower Loan continue to call my job despite being asked not to call me at work. They call my cell and my work phone several times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute in XX/XX/2020. Original creditor was XXXX XXXX XXXX. Experian deleted the account. In XXXX, they placed it back on my credit report with another companies name that I have no knowledge of so I disputed it. It appears after it was deleted, XXXX XXXX XXXX sold it to a collection company. This company can not validate the information nor does it have a contract or my signature.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$53000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX {$0.00} XX/XX/XXXX UNKNOWN XXXX {$200.00} XX/XX/XXXX
Product: Mortgage

I have been trying to work with my lender but they continue to give me the run around. One week they advise they have everything they need and the next they ask for the same thing over again and I have to go back and tell them when it was sent and they mysteriously happen to find it.
Product: Credit reporting or other personal consumer reports

I am writing to you for the fifth time to dispute the inaccurate addresses that are currently listed on my credit report. Despite my previous communications dated [ insert dates of previous letters ], these erroneous addresses continue to appear on my credit profile, and no corrective action has been taken. These addresses do not belong to me and have never been associated with my personal or financial history. It is evident that there has been a significant oversight in the verification process conducted by your bureau. The continued presence of these inaccurate addresses on my credit report not only undermines my credibility but also reflects a blatant disregard for the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the accuracy and completeness of the information they report. 

I have already provided ample documentation and evidence to support my claim that these addresses are incorrect. Your failure to address and rectify these inaccuracies is unacceptable and demonstrates a lack of diligence in fulfilling your legal obligations under the FCRA. It is imperative that you take immediate action to investigate these discrepancies and remove the erroneous addresses from my credit report. 

I demand that you conduct a thorough and proper investigation into this matter and provide me with a detailed explanation of the steps taken to verify and correct my credit information. It is your responsibility to ensure that all items on my credit report are accurate and verifiable. The continued inaction on your part suggests a serious lapse in your verification procedures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted today by XXXX XXXX of CBE Group ( a debt collection agency ) in XXXX IA XXXX in order to collect a debt they say I owed from a XXXX subscription of {$370.00} that was 26 days in collection as of XXXX XXXX, 2017. I knew this was bogus because we have had XXXX XXXX for the last six years. XXXX is not even a choice in XXXX AZ XXXX went on to tell me the XXXX service was for someone that lives at XXXX XXXX XXXX XXXX, XXXX GA XXXX with a Disconnect date was on X/XX/2017 and gave me the account # XXXX had all my personal information, address, phone and social security number
Product: Mortgage

This complaint is regarding Flood Insurance. 

I obtained a mortgage through XXXX XXXX XXXX XXXX XXXX XXXX on the purchase of a home in 2019. I was required to obtain flood insurance. The XXXX banker obtained a quote for us on the flood policy and we accepted it. The premiums were added to our escrow. A year later, when the premium came due, we received a bill, we contacted the insurance company and asked about payment of the premium. We were advised that it was lender paid. A week or so before the premium was due and the policy would cancel, we received another notice regarding the insurance and the premium. We called XXXX and explained the situation. They advised they would follow-up with the insurance carrier. We then received a letter from XXXX advising they had not received proof of insurance and were requiring it. I called XXXX and spoke to their insurance dept and they said I would need to get another policy or they would put a mortgage mandated policy on. I am upset that they did not due their due diligence in making sure they paid the premium I had already paid in my escrow. I am concerned that now the premium will be higher. I spoke with a member of their management and did not feel they were taking responsibility or offering to provide a solution. They and the insurance company are the ones that failed in making sure the policy was paid at renewal. If the premium is more, they should be responsible for the increase. 

Thank you, I await a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XX/XX/19 Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file, Victorias Secret Angel Credit Card Account Ending In XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states  that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : Victorias Secret Angel Credit Card Account Ending In XXXX As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or XXXXXXXXXXXX  verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting this synchrony bank to remove all late payments from my report under an account that was closed without my consent. The company has not gotten back to by email, phone or mail. Also I never gave the company consent to report any late payments to. my report.