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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portaXXXX. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Vehicle loan or lease

I purchased a vehicle from a local car lot, I put XXXX down with a payment of XXXX a month through a loan company credit acceptance, after almost a year my principal hasn't hardly moved even with the XXXX down. 
Come to find out there's multiple states either sueing or already have sued credit acceptance for hiding loan costs and setting borrowers up for failure. 
This is exactly what they have done to me. They are guilty of the consumer financial protection act of 2010. 
I'd like to get what I paid in along with my down payment that seems nonexistent on my paperwork.
Product: Debt collection

This company calls me and my parents. They told my parents that they are an officer of the court and need to file a civil complaint against me. They claim it is regarding a credit card with HSBC that I have no knowledge of. I have called HSBC and they have no record of it either. it is not on my credit report and they call my by my last name that I have not used in over ten years for an address that I have not lived at in over XXXX years. They have threatened to embarrass me at my place of employment and have even cursed at me on the telephone and told me to " pay my XXXX bills ''
Product: Credit reporting, credit repair services, or other personal consumer reports

my idendity was stolen and someone opened up fraudulent accounrts in my name.Im extremely confused on how someone was able to get my information amd do that in my name. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also have 8 fradulent nquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the re-aging of a collection account on my credit report ( XXXXXXXX XXXX XXXX XXXX. The account in question is with Dyck O'Neal, and the account number is XXXX It has come to my attention that this account has been re-aged multiple times, which is illegal under the Fair Credit Reporting Act ( FCRA ), also the debt is more than 7 years old. The account was opened on XX/XX/XXXX and the date of last activity is XX/XX/XXXX. 
Under the FCRA, a collection account can only remain on a consumer 's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately.

In accordance with the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit.

Please find attached a copy of my credit report with the re-aged account highlighted for your reference. I also request that you provide me with written confirmation once this account has been removed from my credit report. Under the FCRA, a collection account can only remain on a consumer 's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately. 
In accordance with the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Recently I've looked over a copy of my consumer report and noticed both accounts and information thats either inaccurate or doesnt belong to me. Ive then reached out to the creditors thats reporting these accounts and asked them to verify any debt. The creditors havent reached out to me with a response, nor did they provide any documentation that verifies this debt. How can they report a debt if they cant verify that it belongs to me? By them purchasing my personal information and sharing it to a third party without my consent is a violation of my right to privacy. I am asking Transunion to thoroughly investigate my dispute letter and remove anything that isnt accurate or verifiable. I know that it is their duty to do whats fair and equitable for me as a consumer and report the most accurate information possible. I am aware that Transunion must be compliant with all the laws governing consumer rights that they agreed to. The inaccurate information and accounts thats reporting on my consumer report is impeding my ability to obtain financial services or relationships with any potential lender. Included in my complaint is a copy of my consumer report containing the inaccurate information that I asked Transunion to block and remove from my consumer report in which this information is both inaccurate and doesnt belong to me. 



Violations committed by Transunion and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

****SEE ATTACHMENT PLEASE***** Dear CRA Manager ; Happy XX/XX/XXXX! Im little shocked on your method of investigation actually I dont even understand your method of investigation. Ive disputed this account several times due to several inconsistencies, errors, incomplete and misleading information on the way its reporting, but for some reason it always comes back as VERIFIED. Its impossible that your agency performed a truthful investigation into this XXXX CC Account because it continues to report those misleading information highlighted below. For example, XXXX  actually removed it due to those violations, but you continue to reported 2 different dates of last active ; last payment, different date last reported, and high balance should be higher than the actual balance, etc. Its impossible that you can say that this is reporting accurate! Look at the report, and even the balance is questionable.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a vacation with XXXX XXXX. I paid by using uplift.com I took out an installment loan with this company. My trip was canceled by the airline due to weather. The airline issued a full refund, as I had already made several loan payments I was due a refund. Uplift issued a partial refund to my checking account electronically. They stated part of the refund failed. I waited 3 weeks for the check. The check finally arrived, but in the name of my deceased mother. My mother as she is deceased was never a part of this loan, nor was she a traveler. The only way this company could have obtained her information to put on my refund check was to fraudulently obtain her credit file. Which I believe is a violation of federal law.
Product: Credit reporting or other personal consumer reports

Reviewed my credit report after a sudden drop in my credit score. XXXX XXXX  ( issued through XXXX ) on credit report is showing as late payments when credit card statements show payment in full on due date every month. No late fees or other indication that this is not what is occuring.
Product: Vehicle loan or lease

I had a lease taken out with Nissan Motor Acceptance XXXX to which all payments were made in a timely manner. At the end of the lease they sent a separate bill for the over mileage etc. Since this is a different agreement it should be reported separately not as part of the lease.
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected or update. : XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$23000.00}.
Product: Debt collection

Unknown account. On top of that, there are Inconsistent information reporting on my credit report on all three bureaus : XXXX reports XXXX balance while two other credit bureaus report a balance of {$6500.00}. Also, there is no indication on which company this account originated from.
Product: Checking or savings account

They wont make available my check deposit they forgot to mention that on the day i deposit
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


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

There was an credit that was opened on XX/XX/2014 by XXXX XXXX XXXX. 

This account was created by XXXX XXXX XXXX XXXX XXXX XXXX. 

I was admitted into XXXX XXXX XXXX XXXX. Seen by XXXX XXXX physicians. When i was billed the hospital awarded me charity and I was only responsible for {$25.00}. 

I called hospital and they informed me i wouldn't and shouldn't receive any other bills because I wasn't liable. 

XXXX XXXX sent out a letter to me and the XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX. 

XXXX XXXX XXXX informed me they did not care and wouldn't remove the account they wanted money. The most unprofessional conversation I have ever had.
Product: Credit reporting or other personal consumer reports

Please remove the fraudulent inquiries in my report as they are really hurting my score. Thank you XXXXXXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX XXXXV inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX
Product: Mortgage

I had accounts with Community Bank , N.A . ( XXXX ), which were closed under the direction of XXXX XXXX XXXX, the branch XXXX, and XXXX XXXX XXXX, a fraud XXXX. They accused me of being involved in a catfishing scheme without conducting a full or proper investigation. This occurred just before I was set to travel to the XXXX, which significantly disrupted my finances. 

The closure of my accounts caused numerous issues, including the halting of direct deposits and preventing me from accessing funds needed to make timely mortgage payments. Additionally, a loan to help with an overdraft issue, which was initiated by a bank XXXX, was mishandled and has never been addressed adequately. The closure of my account worsened this situation, and now the bank is attempting to collect on the overdraft loan, which is entirely unacceptable. 

Despite multiple attempts to resolve the matter, including numerous emails, the bank has not responded to my concerns, only pressuring me for payment. The lack of resolution has created significant financial hardship for me and my family.
Product: Student loan

Navient is attempting to resume payments effective XX/XX/22 despite the government moratorium having been extended to XX/XX/22. 

I have attempted to get them to explain why or how they or I am exempt from that but they have not ever addressed that question, only telling me the same thing that they are no longer offering relief due to the Covid pandemic. No loan servicer ever offered relief, it was granted by my government and still is until XX/XX/22.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX # XXXX,, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Haven't received a credit update in 6 months starting to get very worried. Experian is no longer showing updated reports since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not satisfied that XXXX, XXXX and Transunion have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining accounts needs proper action to assure the maximum possible accuracy on my credit file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three- month period preceding the date the subsequent report is furnished. Please update the accounts : XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}.
Product: Debt collection

Company keeps calling my job and leaving threatening messages to my co-workers that I'm in a lot of trouble if I don't return there call and settle my debt or they would process a warrant for my arrest for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because bureaus did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Credit Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Experian that I did not give written permission for the inquiries on my credit report & asked them to investigate & provide me with documents with my signature. They were unable to do that.
Product: Checking or savings account

On XX/XX/XXXX, I discovered {$4800.00} had been transferred out of my savings account on XX/XX/XXXX. I called my bank immediately. The bank rep froze my accounts. After reviewing my accounts, the rep and I discovered 3 more transactions from my account for much smaller amounts which occurred on XX/XX/XXXX ( {$2.00} ), XX/XX/XXXX ( {$98.00} ), and XX/XX/XXXX ( {$25.00} ). The Chase rep said I would be receiving the money from 60 days prior to the day of discovery which was XX/XX/XXXX. I reviewed the policy on Chase.com which confirmed what the bank rep had said. I closed the accounts and opened new account later that day. In late XXXX, Chase bank changed their story and said I would only be receiving compensation for the 1st two transactions. Their reasoning was their policy is actually they refund 60 days from the 1st incident. This is not in the policy posted on Chase.com. I have filed a complaint with Chase ; however, it has been over 10 days and I have not received a call from this department. To this day, Chase has not provided me an explanation of how my savings account info was stolen, why they are not honoring their policy listed on Chase.com, and why they did not investigate my claim. I know they did not investigate because the transfers when through XXXX. I contacted XXXX who confirmed Chase did not reach out to them about my incident. This is important because of the 4 fraudulent transactions on my account, only 3 of them are similar according to the bank statement description. The 4th and largest transaction is different in nature. XXXX was unable to determine if all transactions were related. It is entirely possible there were multiple parties who acquired my bank information. If XXXX is unable to determine if these transactions are related and Chase did not reach out to XXXX, it is impossible for Chase to have completed their investigation and concluded all transactions are from the same source. It appears Chase did not perform any investigation at all.