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

I have been disputing these inaccurate accounts on my credit reports for some time now. XXXX XXXX and XXXX XXXX are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I logged into my paid Experian account. Inside I found several information discrepancies. There are versions of my name that are incorrect, one listed SS # is wrong. The website gave me a number to call : XXXX. Using option 3 ( as I have an account with them ) I tried to resolve the issue. All I received was an automated message with it hanging up at the end. There was also no email or chat offered as an alternate for dispute resolution to contact them directly. I'm very disappointed.

Considering that Experian is contracted with the US military in handling credit protection, I'm at a loss as to how poor their services are. My information was compromised in the OPM hack, I have to spend the rest of my life doing due diligence to make sure my information is correct, and/or not compromised. Experian can't even offer me the correct tools to do this, even with a paid account.

The " Dark Web Scanner '' is a raging joke. Considering most dark web information is encrypted through TOR servers, how the heck can they really scan anything? Yet, they still charge people for this service. I frankly think what they promise on this option is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on XXXX XXXX XXXX to clear up an unfair score on my credit report. In XXXX of XXXX I went through Chapter XXXX Bankruptcy and had all my debts discharged. Prior to this I had ZERO late payments on my 4 credit accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, according to Experian 's own records, I had no late payments on these accounts. Specifically, the operator told me that I was late in XXXX of XXXX, but when I look at Experian 's own records on that exact month its says " current on payments '' ( please see attachments ) Regardless Experian will not let me dispute the so-called late payments ( see attachment ) because according to their own error message : " This item already shows that you are current and the terms of your agreement with the creditor have been met. This means that you were never late with your payments, so this item can not be disputed using this reason. '' But Experian has still labeled 35 % of my score as " Fair '' ( see attachments ) due to 4 late payments. There is clearly conflicting information and when I called they said there is nothing they can do. 

Additionally, my score at Experian is more approximately 40 points lower than the other credit reporting companies ( see  attachments ) who also show that I have ZERO late payments. 

Clearly, Experian is not reporting correctly and this has made it impossible to lease a car or get a credit card.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed the accuracy of the information related to the a collection account with XXXX XXXX XXXX, in the amount of {$990.00} with an original balance of {$1000.00}, with XXXX, TransUnion, and XXXX but the inaccurate information remains on my credit report. Specifically : XXXX XXXX : The reported balance of {$990.00} and the original balance ( {$1000.00} ) is inaccurate. There were 14 month 's worth of payments on this account. My original credit limit with XXXX Bank was lower than the amount reported, and my first payment was made immediately, which should have further reduced the original balance. In XXXX and XXXX, I requested the original purchase agreement, along with complete record of payments made and did not receive it, from XXXX XXXX and XXXX. 

Outdated Collection Account : The debt in question is an " open account '' beyond the statute of limitations for collection under Louisiana Civil Code Article 3494, which specifies a three-year statute of limitations for such debts. The last payment was made in XX/XX/XXXX, making this account time-barred and no longer eligible for collection or reporting. 

Despite providing clear evidence of these inaccuracies in previous disputes, XXXX, Transunion, and XXXX have failed to correct the information on my credit report. This ongoing failure to maintain accurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Relevant Federal Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires that credit bureaus conduct a reasonable investigation into disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Requires that furnishers of information update and correct inaccurate information provided to credit bureaus.

15 U.S.C. 1681e ( b ) : Requires that credit bureaus maintain accurate and up-to-date information on consumers credit reports.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS I.C. SYSTEM, INC XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from I.C. SYSTEM, INC WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Debt collection

Kay Jewelers have put an account on my credit for years that.I have acknowledged too them that it is not associated with me. But they insisted that it is and which is not at all. i am a victim of identity theif.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this auto loan with Santander consumer USA XX/XX/XXXX who has been reporting my payment unfairly incorrectly as late and past due and I have made my payments with XXXX XXXX who they recommended me to do since I didnt have a bank account at the time. 
I have never had made no late payments ever since I been with them but they seem to report incorrect information to all three credit bureaus in XX/XX/XXXX said I was 30 days late XX/XX/XXXX and XX/XX/XXXX 30 and 60 days late in XX/XX/XXXX they said I was 30 days late then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I was 30 60 90 days late. YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a free annual credit report via XXXX, but I could not get one from any of those three companies. I called XXXX and they said when they were reported, one digit of the social security number was reported incorrectly and I should send my social security card to resolve the issue. I sent it last week, but I am still not able to access it online. I tried to get it via phone call, but it keeps getting hung up at the last step.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy XXXX XXXX XXXX /CCS collections, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX a financial institution by definition under that title. 15USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX/ CCS Collections, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX financial institution and the consumer reporting agencies, XXXX XXXX XXXX and XXXX do not have my consent to report my information. Any and all consents to XXXX XXXX XXXX CCS collection, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX whether verbal, non-verbal, written, implied or otherwise is revoked. The Privacy Act of XXXX recognize XXXX XXXX XXXX/ CCS collections, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX not inform me of my right to exercise my nondisclosure option. Conditions of DisclosureNo agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains, 15 USC 1681C ( a ) ( 5 ) says Except as authorized under subsection ( b ), 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. Code 1681a ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed a late payment with the for-profit Consumer Reporting XXXX XXXX and TRANSUNION for their inaccurate reporting and violation of my consumer rights for the trade lines XXXX XXXX XXXX XXXX XXXX for the amount of XXXX highest balance [ XXXX XXXX  ] and XXXX XXXX XXXX highest balance [ XXXX XXXX XXXX I also disputed the alleged debt and asked for Validation of the debt from DRIVEWAY XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX has thus far refused to send me proof by written correspondence of validation but instead ignored my request all together and XXXX XXXX has not responded at all in over a month. 
XXXX and TRANSUNION I believe are willfully refusing to follow the law for late payments Per 15 USC 1666b-timing of payments, 15 USC 1681i , and 15 USC 1681e as the trade lines in question was acquired with a credit card per 15 USC 1602 ( l ). This violation of my consumer rights is injurious to me and in conflict with 15 USC 1681. I believe this is proof of willful negligence per 15 USC 1681n. Furthermore, I decided to opt out of XXXX and TRANSUNION reporting information on my consumer report without my written consent per 15 USC 1681b Permissible Purpose due to them violating my rights and injuring my credit worthiness with inaccurate reporting. After continued violation of my consumer rights by XXXX and TRANSUNION and seeing how the inaccurate reporting injured my credit worthiness on my consumer credit report to I felt forced to make a decision to opt out of XXXX and TRANSUNION reporting any information at all on the trade lines mentioned above per 16 CFR 313.7 ( f ) Continuing right to opt out, in hopes of resolving the issue in whole. XXXX and TRANSUNION willfully ignored my requests and still continued to violate my consumer rights and operate XXXX XXXX. 
I also included this correspondence below in my dispute. 
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written non written, verbal and nonverbal per 15 usc 6802. Per 15 USC 1681n I am entitled to {$1000.00} per violation. 
These for profit XXXX XXXX XXXX and TRANSUNION have trespassed on the provisions of the FCRA and I the consumer am injured by their willful negligence. Per 15 USC 1681s-2 these consumer reporting agencies failed to in good faith investigate my dispute fairly and impartially due to their profitable interest. This inaccurate reporting is also a violation of my privacy per the Privacy Act of XXXX. I never gave my written consent and if I unknowingly did I revoked it as stated above. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I May Presume that no proof of the alleged debt in fact exists refer to 18 USC 8.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$780.00}, XXXX XXXXXXXX {$980.00}, XXXX XXXX {$480.00}, XXXX XXXX {$70.00}, XXXX {$0.00}
Product: Mortgage

I purchase my home in XX/XX/XXXX, I had a XXXX mortgage as well to buy the home. In XX/XX/XXXX I asked the XXXX mortgage company if I could refinance the loan and include the XXXX mortgage with the XXXX. # # # # Bank is the first holder and they redid the loan to lower the interest and I thought they had included the XXXX mortgage so I stopped making payments on the XXXX mortgage. 
From XX/XX/XXXX until about 30 days ago I never got a letter from the XXXX mortgage, it also stopped showing up on my credit report. Now I am found out about the XXXX mortgage because I tried to refinance the loan again to lower my payments. I also found out they took it to court in XX/XX/XXXX and got a foreclose on the second note. I never got a notice from the sheriff department about this so I could have gone to court to defend myself. Now after I fell like I woke up the manner with them they have offered a loan modification that is more than I can afford {$13000.00} down and payments of {$1300.00} a month or they will foreclose on my home. I am now retired living on social security and hoped to live here the rest of my life.
Product: Checking or savings account

On XX/XX/XXXX I noticed a fraudulent transaction in the amount of {$7500.00}, the transaction was made from my business checking account and is in the name of XXXX XXXX XXXX, I am the only authorized user on this account, and I own 100 % of the business, XXXX XXXX. 
I went to my local Key Bank branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where XXXX XXXX, a branch employee, made some phone calls and reported that the money had been transferred to XXXX XXXX bank account, I explained that I did not have an account at XXXX XXXX. I was told to file an ACH return form, which would report the fraudulent transaction to the KeyBank. 

On XX/XX/XXXX I noticed a withdraw from my personal account at XXXX XXXX XXXX in the amount of {$3500.00}. 
I reported the fraudulent transaction to XXXX XXXX XXXX at the local branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The account was closed, the bank opened a new account and returned the money to my new account the next day. 


On XX/XX/XXXX I received a call from XXXX XXXX, who is an ex business partner. He told me that he made the fraudulent transactions. 

My issue was settled at XXXX  XXXX XXXX and so I called Key Bank to update the bank with this new information, I was told that I needed to close my business account and open a new one, I also needed to complete a new form for the ACH department. 

XXXX XXXX at Key Bank told me to file a police report Key bank told me that provisional credit would be applied to the new account on XX/XX/XXXX. When that credit was not sent, I visited the branch and I was told that the matter has been escalated internally, that I could not call anyone at key bank to get information, and this is how the situation sits to this day. I have made several calls to the bank to get information, I have also visited the branch on at least two occasions to find out when my credit would be applied, only to be told there are no updates. 

Again, I am the only signer on the Bank account and I did not authorize the transaction for {$7500.00}.
Product: Consumer Loan

We have been making {$1000.00} payment since XXXX ( payment 24 ) to pay off the vehicle early ; I have called numerous times complaining about the payment history not reflecting the payment ; instead they are moving the payment due date into the future ; it appears they are charging double finance charges ; payment is $ XXXX/monthly which includes interest however, you will see separate charges for additional interest and the interest charges seems to be excessive. 
I ca n't even understand the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

These student loans were acquired by my daughter fraudulently USING MY IDENTITY/INFORMATION!
Product: Credit reporting or other personal consumer reports

Upon reviewing my annual credit reports from the three bureau 's. There was several inaccuracies being reported which should be the same reporting across all the bureau 's per the fair credit reporting act, also i discovered some instances of late payments for an account for which i have made timely payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following account guild mortgage. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time/paid in full status, as i have consistently upheld my payment obligations without delay. Thank you for your time attention in this matter.
Product: Debt collection

I have written multiple letters to this company asking them to identify themselves and explain why they are on my credit report, they have not responded. I have rights! The FDCPA and FCRA are both extremely clear! They have to send me information. PLEASE HELP ME!
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with CitiBank pursuant to a promotion. The promotion basically called for me to deposit {$50000.00} within a certain time, and then keep the money in the account for a required period of time. If I did this I would receive a {$700.00} bonus within a certain time. I satisfied the requirements and waited for several weeks past when the bonus should have been deposited. It was not. Finally, about a month ago I called Citi, They admitted that I had satisfied the requirements, but there must have been some problem on their end. They said to wait until a certain date and I would be notified. I was not notified so I called back. Thus began a period of time about a month long where they would always say they needed 5 or 10 extra days. I would call back on the designated date because I had not received the money and they would put me off again. This happened again and again. The most recent date they gave me was today ( XX/XX/XXXX ). No money again so I called back today. Again they acknowledged that I had met the requirements, but wanted 5 additional business days. I need help to get this money that everybody agrees I am owed.
Product: Debt collection

I am constantly getting calls from LVNV Funding, and Resurgent from XXXX. I am sick of getting woken up on my only days off from work. I have changed my number twice and they still track me down.
Product: Debt collection

I lived in the XXXX XXXX XXXX and one night my boyfriend held a loaded XXXX to both my head and my toddler at the time and we had to flee the apartment. He was XXXX, but then later released but I had a temporary order for our safety to not go back to that apartment and I do have a police report from that evening if needed. I found somewhere else safe to live that he did not know about so my child and I would be safe. I explained all of this to the manager that worked there at the time and she understood and said she would not hold me responsible for the apartment lease ( which was in both of our names ) due to this extreme situation. Then a couple months later it was on my credit as a joint unpaid amount and I called the apartment complex a couple times and once I was promised a call back and never received one and another time the woman who picked up said she did not know about the situation and could not help me and now it is in new management and completely new staff.
Product: Mortgage

The lender issued a 12 month construction financing note on XXXX, 2021, prior to my building permit being issued. This is a highly unethical business practice. The clock starts as soon as the loan is funded. In 2021, building permits were 6 months or more months behind on getting issued. The delay in permitting, received late XX/XX/2021, eventually led to massive price surges on the builder aspect. The lender then agreed to provide the additional funding to satisfy the increase without supplying me a new loan disclosure. This took even longer to obtain which led to my project being further delayed, XX/XX/2021. By the time the builder was going to start anything XXXX full year had gone by and another price increase later. I could no longer afford to even begin construction so i was charged a massive fee by the builder to cancel. As a partner-builder-lender, you should have done more to protect me.