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

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded a vehicle 13 days before my due date XX/XX/2020 on XX/XX/2020. It was a 54 month term I had the car less than 24 months. The creditor listed me as late for XXXX and XXXX payment and sent me a final payoff letter dated XX/XX/2020. 
That documentation alone corroborates that I wasn't late in addition to the fact that I was no longer in possession of the vehicle after XX/XX/2020. I disputed with all 3 credit bureaus supplied documentation in addition to the paid in full letter and state tax forms specifying the date of the trade in. They all sided with the company who were paid off but each one of the bureaus have the dispute results listed as paid in full but the late payments are hampering my credit growth. XXXX XXXXXXXX XXXX out of Michigan has the propensity to berate under served customers and communities per the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   were removed from my account the re added with new dates and now I 'm being sued what can I do this is a charged off account from original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report and I have seen numerous inquires that I didn't authorize.. Tried calling the company and they have no record of it. I called credit bureaus and they failed to help me by keep stating the company can only remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified '' Please remove the following accounts XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX from my credit report. You have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently check ed my credit report. I have inquiries and other accounts on my credit report that does not belong to me. 
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 XXXX XXXX
Product: Debt collection

This collection company will not validate the account. this account is not mine also it is paid in full
Product: Checking or savings account

About 3 months ago, approximately XX/XX/year>, I attempted to access my funds in my Citibank XXXX Account. My account had inexplicably been placed on " inactive '' status due to lack of activity. I immediately called Citibank to get the issue resolved. I have made countless calls and inquiries with Citibank with literally XXXX success. I have mailed XXXX letters to Citibank to resolve this issue. The last letter was sent XX/XX/year> and confirmed that it was received XX/XX/year>. Citibank acknowledged receipt of this letter but the account is still " inactive ''. I have been dealing with this for over 3 months now. This has quite literally been the single worst customer service experience I have ever had in my life.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I dont understand why. I regularly monitor my report, but this time, I spotted errors that appeared out of nowhere. I attempted to refresh my browser, thinking it might be a glitch, but the mistakes persisted. As a result, I am requesting a thorough review of the documents I've submitted to ensure that I wont have to worry about this again.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Synchrony bank sent me a notification on XX/XX/XXXX that my balance was past due. They claim they sent a digital statement on XX/XX/XXXX, yet this was not received and I have no proof of delivery. Synchrony bank charges a fee for paper statements, so this is the only free option available. I have never accurately received a digital statement via email for this branded card ( but have for other branded cards issued by XXXX ). This has caused me to miss payments and accrue interest as its unclear how much I owe and when
Product: Credit reporting or other personal consumer reports

Subject : Correction to Previous TransUnion Dispute Request of Inaccurate and Unauthorized Information. New Request to Include The Removal of Late Payments and Inquiries. 

I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion credit report. These accounts were added due to a data breach and are not authorized or representative of my financial history. I request immediate investigation and removal of the following accounts from my credit report : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX I request corrections for the following accounts due to inaccurate reporting of late payments. These accounts should not be closed, but the late payment entries must be removed : XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), I assert the following rights and request specific actions to address this issue : Under 15 U.S.C. 1681i ( FCRA 611 ) : I request that the disputed information be investigated and verified as accurate. If the disputed accounts can not be verified, they must be deleted from my credit report.

Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ) : TransUnion is obligated to ensure maximum possible accuracy in reporting my credit information. These accounts are inaccurate and result from identity theft or misreporting tied to the referenced data breach.

Under 15 U.S.C. 1681c-2 ( FCRA 605A ( b ) ) : I request that these fraudulent items be removed as they stem from a breach of my personal data.

Under 15 U.S.C. 1681g ( FCRA 609 ) : I request access to all documentation, records, and communications related to the inclusion of these accounts on my credit report.

Given the widespread data breaches that have affected financial institutions and compromised consumers ' sensitive information, I believe these accounts may have been fraudulently opened or erroneously reported. I demand that these accounts be thoroughly investigated in compliance with FCRA requirements and deleted from my credit report if found unverifiable or inaccurate.

Additionally, under the Federal Trade Commission Act ( 15 U.S.C. 45 ), it is illegal for businesses to engage in unfair or deceptive practices. Reporting inaccurate or fraudulent accounts on my credit report due to negligence in protecting consumer data constitutes a violation of this statute. 

I have attached all relevant documents to support this dispute, including copies of my TransUnion credit report highlighting the disputed accounts.
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- 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 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 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 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 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 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 - X Negative Was CO days late XXXX time ( 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: Credit reporting, credit repair services, or other personal consumer reports

from XX/XX/21 - XX/XX/21 after several attempts to resolve the issue of not receiving an updated credit report. the company stated that the issue was my address was incorrect and was told that the issue would be corrected within 24 hours. i checked on the problem everyday till this day and the issue still havent been solved and im not able to take out any loans due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work on my credit report every since my identity was stolen. I have some child support and auto loan that I am not responsible for. 

I've reached out to the credit bureaus but I've not been able to reach any outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 or other personal consumer reports

As requested Valid Identity Theft Reports are now uploaded which were submitted electronically and recorded with the Federal Trade Commission and contain a Valid Police Report Number. 

The accounts listed in these Federal Trade Commission Identity Theft police reports are unauthorized accounts created from unauthorized charges compiled from unauthorized use of goods and unauthorized Merchant services.

The investigation for the verification and validity of these accounts has been well over the 30 day threshold as the initial submission for that request commenced on XX/XX/year>. Until now, and still, The accounts have not been properly verified according to regulatory Standards and specified requests made by the individual. 

This furthermore has caused the furnishing of inaccurately reported credit information to the consumer reporting agencies on the consumers ' reports and the individual 's credit profile. 


603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual.
Product: Credit reporting or other personal consumer reports

I recently submitted a report to CFPB complaint # XXXX XXXX submitted XX/XX/year> XXXX collection - the matter was closed in my favor. 

I am currently requesting that CFPB request the same company to remove the charge off from my credit report and stop calling/texting me. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

Over the past XXXX I have attempted to contact TOTAL VISA/XXXX XXXX XXXX  and gettting the absolute run around after discovering they were one of several companies with an account opened fraudently in under my information. I was told that because I could not give any account information and because I refused to give my social that nobody could do anything about it and it would stay as it is. Even after I read all the information is saw in my credit reports. I have been in XXXX with my great aunt since XXXX of 2022 and its impossible for me to have opened an account anywhere back home in the states when I wasnt there I have data breach alerts for a few hrs now from XXXX and XXXX and alerts of my information being in the dark web and now I have a fraudulent account under my name that this TOTAL VISA XXXX XXXX XXXX COMPANY IS REFUSING TO REMOVE. I did not open anything with them nor authorize anyone else to. Remove this.
Product: Credit reporting or other personal consumer reports

Lexis Nexis stated they obtained my bankruptcy from the XXXX XXXX court which is not true the XXXX XXXX  does not provide third parties with public records. I never consented to Lexis Nexis obtaining my information from a third party, they used PACER illegally to obtain my XXXX record then they furnished my information to additional credit bureaus XXXX and XXXX. First LexisNexis said they verified the information from the court. I have attached documentaion that determined that was not accurate. Then they said the information was verified via XXXX. I contacted XXXX XXXX XXXX and have attached documention that they also do not report any information to credit reporting agencies. So LexisNexis is again in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter FCRA ), which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair practices. I have also attached documentation verifying my identity with 2 forms of ID so that your stall letters can stop. This is affecting me and adding XXXX XXXX to my life I am trying to buy a home and certain things like this are preventing me from doing so I am requesting for you to please review and do your due diligence by me the consumer to get this matter corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding fraudulent items was submitted on XX/XX/2024, and I have not yet received a response. ''
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Mortgage

My ex-wife XXXX XXXX took out a loan on a home I own at XXXX XXXX XXXX in XXXX XXXX and although I've been talking with Rushmore loans in CA when I found out they foreclosed on her since XXXX  of last year, it's only this week they actually got me paperwork. That foreclosure was filed against her, but did not include me as the owner of the home. I live in my deceased parents home at XXXX XXXX XXXX in XXXX XXXX and have just found out as of XX/XX/XXXX that my mother had a mortgage against the house I was unwaware of that has caused a foreclosure, but have not had enough notice to secure funding. I was not contacted prior to XX/XX/XXXX regarding this foreclosure, nor did I receive any prior notifications.
Product: Money transfer, virtual currency, or money service

THE RUDE AND UNHELPFUL COMPANY REPRESENTATIVES ARE RESTRICTING MY ACCOUNT BASED UPON THEIR UNTRUE PREMIS TO BEING UNABLE TO VERIFY MY IDENTITY WHEN IN FACT I HAD STARTED THAT IDENTITY VERIFICATION PROCESS LAST MONTH AND HAD ALREADY SUCCESSFULLY PROVIDED THAT TO XXXX. FURTHERMORE I HAVE TOLD THE AFFIRM SUPERVISOR ON THE TELEPHONE THIS DIRECT INFORMATION YET THAT PERSON IS UNABLE TO DIGEST IT IN THEIR MIND AND IT BOTHERS ME HOW PSYCHOTIC AND STUPID THEY ARE BECAUSE MY ACCOUNT SHOULD BE HANDLED IN A RESPONSIBLE PROFESSIONAL MANNER. I WANT THEM TO STOP MANUALLY TWEAKING IT AND STOP XXXX WITH MY ACCOUNT.
Product: Credit card

PayPal credit will not tell me WHY I am not eligible for a hardship arrangement.
Product: Student loan

First of all, I qualify for the PSLF loan forgiveness. Mohela has miscalculated my payments and time in service. I would like a resolution to this. I believe that they deliberately miscalculated my loans so that I would not be able to close out my loans during the TPSLF period. But now that deliberate miscalculation means that I am stuck in the same situation. 
On the other hand, they keep sending me emails to tell me that loans are restarting but their website is down and has been for some time. 
How am I supposed to manage my loan payments when I can not even sign into the lenders website. The complaints against Mohela are numerous and they are still permitted to hold loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX  account carmax auto and 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. 166b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XXXX 2019 Kia finance has been reporting me to the credit bureau as 30-60 days late, I admit that my payments are made after the due date due my hours being cut but never 30 days they are trying to use the late fee as the whole payment being late, I have try to change my due date to avoid these fees, when I make my payments I pay more than the amount of my car payment try to take care of the late fees, I have never heard of a company reporting late because of the late fees its not fair and its messing up my credit I ask them to send me a copy of all my payment and everytime I call they says its in the mail but after months and still haven't receive that's because they knpw that I have never went past 30 but again was late, so everytime that I make a payment I add a little extra to get the late fees taken care of.
Product: Credit reporting or other personal consumer reports

i believe someone has been submtting credit applications in my name been trying to get cards and loans in my name. these inquires are hurting me from gettinf funding for my business and i would definitely need those removed. Laws stated 15 USC 1681 eb-refernce to reporting accuracy, 15 USC 1681 i 5 a states that it must be accurate or removed and law 15 USC 1666 and 1666 ( b ).