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

leased a XXXX XXXX XXXX from you, which was subsequently stolen from him from his work parking lot on XX/XX/XXXXXXXX XXXX XXXXXXXX. Apparently, it was not recovered by the police until more than a year later. 
Through no fault of my client, the thief put a lot of miles on the car while it was in his or her possession. When my client had the oil changed In XXXXXXXX XXXX XXXXXXXX, however, the mileage was only XXXX, as the enclosed document shows. When the police recovered the car, on the As a result of the high mileage, which was due to the actions of an anonymous thief, you chose to place a negative reference in my client 's credit report. You claimed he owes you {$3500.00}, due to the high mileage. He did not violate the lease agreement, however, as he did not place the high mileage on your vehicle. These are facts which can be proven. 
Please contact me after you receive this letter, so that we may discuss this matter, further. I am hopeful that we may resolve this matter to everyone 's satisfaction. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My roommate committed identity theft, used my debit card through capital one using bill pay, then used my XXXX XXXX XXXX XXXX, he also pulled a ACH transfer. I have been sick in and out of the hospital and at home. He opened my mail used my information to log in my account use bill pay to then use my credit card. I am hoping that my cards can be reissued, accounts cleared and start over. Also he used my information to file my 2024 taxs returns I have filed a with capital one and XXXX XXXX I would like my money returned as I did not authorize any transfer or bill pay this started in XX/XX/scrub>r 2024 and I was finally able to file a police report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, 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 a account without my written instructions
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 168XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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

Upon looking at my credit report I noticed that there was a late payment reported incorrectly for XXXXXXXX XXXX XXXX XXXX for XX/XX/year>. However, this information is inaccurate and should be corrected and reported as paid on time and never late=. I have never made a late payment with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a high negative impact on my credit score from Barclays for {$120.00}. I was taken back by this because I have logged in multiple time over the last year and few months to make sure I do not have a balance as I have not been using my credit cards much in order to improve my overall credit score. Each time I log in I have a {$0.00} balance and I have not received any statement.

I called Barclays today to report this and they let me know my card number changed and I was unaware of this. I do not have the new card, never requested a new card or card number. Due to this my account with Barclays has been false since this new card number was not updated in my account. The fees I have no issue paying. I just put the payment in today now that I know. I called Barclays to hopefully make this right and take the negative report off and they are unwilling. They told me I would need to call the credit bureau to file a dispute. I did that as well today with a XXXX however I am concerned that this will not be enough and Im worried that maybe I should stop using Barclays all together since I have not received a statement in regards to this and they have not reached out to inform me of any changes and unwilling to help me over the phone.
Product: Credit reporting or other personal consumer reports

I filed complaints with XXXX, Equifax, and XXXX for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below. 

The failure to mark this disputed account as disputed by the company constitutes a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the last activity on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date. 

This business has consistently done nothing to further verify this collection account.
Product: Credit reporting or other personal consumer reports

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 Dear CFPB, I am writing to bring to your attention significant discrepancies in my credit reports. I have reviewed my credit reports from XXXX XXXX XXXX XXXX, Equifax, XXXX, and I have identified numerous inaccuracies, including but not limited Theyre is incorrect account information, inaccurate balances, and accounts that do not belong to me. 
hard inquiries, collections, and closed accounts that dont belong to me or should not be public. 
I have taken the necessary steps to dispute these inaccuracies directly with the credit reporting agencies, but the discrepancies persist. I am concerned about the potential negative impact on my creditworthiness and financial well-being as a result of these inaccuracies. 
Hard Inquiries And closed accounts XXXX XXXX XX/XX/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 XXXX XXXX XXXX I kindly request that the CFPB investigate these discrepancies and take appropriate action to rectify the errors in my credit reports. 

Additionally, I have attached copies of any supporting documents that validate my claims regarding the inaccuracies in my credit reports. I believe that a thorough investigation will reveal that these discrepancies are indeed erroneous. 

I appreciate your prompt attention to this matter and your assistance in resolving these issues. Please inform me of the steps the CFPB will take to investigate this matter and the expected timeline for resolution. 

Thank you for your help in rectifying these credit report discrepancies and ensuring the accuracy of my credit history. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Phone XXXX Email XXXX XXXX XXXX
Product: Debt collection

I paid a bill for {$100.00} on XX/XX/2019 by credit card to XXXX XXXX XXXX for services rendered by XXXX XXXX XXXX. Account number XXXX. I owed no more on this service rendered. 

Six months later i have begun to receive letters form a collection agency, Professional Credit Service, for the {$100.00}. I already paid that and called and let them know. Instead of listening to what I had to say, they only wanted to collect more personal information about me for their records, asking for my personal information such as DOB, telephone number, address, etc. I have paid this debt six months ago. They need to remove it from their records and mark it as paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX @ XXXX XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Notice of Non-Compliance Code XXXX Dear TransUnion Dispute Resolution Department, I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion credit report. Despite previous attempts to resolve this issue, TransUnion has failed to conduct a proper investigation, remove incorrect data, or comply with the Fair Credit Reporting Act ( FCRA ). This negligence and non-compliance have caused harm to my creditworthiness. 

Disputed Information : Account in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute Code : XXXX ( Unauthorized/Fraudulent Activity ) I have disputed this information previously, providing all necessary documentation to prove that this entry is fraudulent, inaccurate, or otherwise unverifiable. However, TransUnion has either failed to investigate within the required timeframe, has not provided a proper resolution, or has improperly reinserted the item without notification. 

Legal Violations by TransUnion : Under 15 U.S. Code 1681i, TransUnion is legally obligated to : XXXX. Conduct a reasonable reinvestigation of disputed information within XXXX  days. 
XXXX. Correct or delete inaccurate, incomplete, or unverifiable information. 
XXXX. Notify me of the results of the investigation in writing. 

Your failure to comply with these requirements constitutes willful negligence and a violation of my consumer rights under the FCRA. If this matter is not resolved immediately, I will be left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursue legal action for damages caused by this non-compliance. 

Demand for Resolution : XXXX. Immediate removal of the inaccurate/fraudulent entry from my credit report. 
XXXX. A written statement confirming the deletion/correction. 
XXXX. A detailed explanation of why TransUnion failed to comply with FCRA requirements. 

I have enclosed copies of my previous dispute letters, supporting documentation, and proof of TransUnions failure to act. I expect a response within XXXX  days from the date of this letter. You may contact me at XXXX or XXXXXXXX XXXX XXXXXXXX if further information is required. 

This letter serves as formal notice that I will take further action if my dispute is not resolved promptly. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I listed the accounts and explained the violations. Over 30 days have passed, and they have not responded. Copies of the dispute letters are attached.

This company violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as such.

FCRA 605 ( c ) was also violated, as the date of last activity is incorrect and should reflect the last payment date.

Additionally, this company has repeatedly failed to validate this collection account, further violating FDCPA 809 ( b ), as outlined in FTC guidance.
Product: Debt collection

THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please examine the documents? Some of the accounts listed contain errors in reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/2021 a Capital One Credit Card Representative XXXX Agent # XXXX read aloud on a recorded line the reason my credit card account was being closed is because of criminal record history that was provided to her by their reporting agency. This agent refused to provide me with the agency that furnished Capital One with this information. Despite numerous requests for the agency information that provided Capital One with the this information about me for credit purposes, I was continually stonewalled by capital and and told they had the right to deny me this information. The FCRA gives me the right to be told if information in my credit file is used against me to deny my application for credit, employment or insurance. The FCRA also gives me the right to request and access all the information a consumer reporting agency has about me ( this is called " file disclosure '' ).
Product: Mortgage

Since XX/XX/2019, I have requested financial hardship assistance from PNC Mortgage ( as I am officially the successor-in-interest in their files since my parents are deceased ). Going up to the last week of XX/XX/2019, they continuously state they require more files i.e. tax documents, profit/loss statements, paycheck stubs, bank statements. I attempted to contact my point of contact ; however, her voicemail stated she will be out of the office until XX/XX/2019 ( as I began calling at the beginning of XX/XX/2019 ). I made numerous phone calls and e-mails to PNC Loss Mitigation regarding my hardship assistance packet, and I was directed to 6 representatives each requesting documents/receiving documents. On XX/XX/2019, a demand letter was sent regarding the loans had defaulted and they require the whole payment of over {$2200.00} be paid by XX/XX/2019 or they will continue with the foreclosure process. Loss Mitigation contacted me days after stating that my financial hardship assistance case was closed, but they reopened the case because they required more financial documents. They did not send notification and give ample time stating they need my completed profit/loss statements calculated, and they also stated they did not receive my completed tax forms as I previously sent those documents in XX/XX/2019. 
During the last week of XX/XX/2019, I contacted PNC Loss Mitigation via phone and spoke to the same representative twice that week. They said they finally received my completed application ; however, she stated in both conversations the demand letter sent and the payment must be made in full by XX/XX/2019, or they will initiate the foreclosure process and attorney fees will be included. 
I have contacted the California Fair Housing Bureau as well and they suggested I contact the Consumer Finance Bureau due to unfair treatment. I have e-mailed my Loss Mitigation point of contact ( as she is supposedly back in office ) regarding these issues, on XX/XX/2019. I believe PNC Mortgage is conducting dual-tracking and misrepresentation which are violations.
Product: Money transfer, virtual currency, or money service

What happened? In XXXX of this year, 2021, Bank of America engaged in what should be deemed, or what I would call bad accounting and financial disclosure practices. They refused to refund {$10000.00} that came from my account, and was sent to perhaps, an untraceable dummy account via XXXX transaction. At the time, I notified the bank of what happened and requested that my money be refunded, and I also requested that the account information of the recipient or deceiver be revealed. The bank did not cooperate with my request.
Product: Credit card or prepaid card

I received in the mail a " Premium Visa Debit Card '' by XXXX, which I didn't apply for and have no idea what it is. 
The only number provided with the received card ( XXXX ) XXXX XXXX, I have called multiple times and it asks for my Zip Code and Social Security number. I have not input my social security number and do not intend to provide it to a company that I have no idea who they are. Therefore I can not get past the automated phone service and get some answers on how I got to receive this card, did anyone apply on my behalf, am I a victim of identity theft?
Product: Debt collection

LVNV FUNDING LLC/ XXXX XXXX XXXX  XXXX XXXX / $ XXXX XX/XX/2022 - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

they keep calling with different amounts due saying i owe them over 500 dollars in debt. iv tried contacting them and appeal the amounts. my insurance company already paid for the services they are trying to charge me for. they have harassed all hours, i tried blocking numbers and they just keep calling me with different numbers with different area codes. very frustrating. could you please put a stop to this. they call everyday about every other hour.
Product: Mortgage

I submitted a qualified written request to Seterus concerning a payment dispute and incorrect payoff. The dispute letter included detailed information and proof of all payments made showing that the borrower ( my client ) is current on his mortgage account and that the payoff should be lower to reflect these payments. Seterus received the dispute by certified mail on XXXX/XXXX/15 and sent a letter acknowledging receipt on XXXX/XXXX/15. Seterus then sent an XXXX/XXXX/15 letter to my client directly ( rather than to me as his attorney ) stating that it was still in the process of reviewing the request and needed more time. To date, no other correspondence has been received and Seterus has not corrected the error on the account. Seterus continues to report the account as being delinquent ( despite the proof provided showing that it is current ), and is threatening the borrower with foreclosure. 
Seterus has failed to respond to the written request or correct the error on the account, as required by 12 CFR 1024.35 ( e ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday evening I bought a mini bike from XXXX  XXXX  XXXX  XXXX  in XXXX, michigan. I applied for a credit card was approved for {$1000.00}. I denied the 24 month no interest deal. This deal was {$100.00} to pay 0 % interest for 24 months. I did not want that. I wanted the basic deal of 12 month 0 % interest. So I was charged right from the beginning a {$100.00} fee for my mysychrony account credit card. This is still showing on my balance. I returned to the store and told them I wanted to keep my utilization rate under 30 % so I make a {$760.00} payment. Now my credit score has dropped over 100 points because it is showing a double charge on my account.
Product: Vehicle loan or lease

We leased a car from XXXXXXXX XXXX of XXXX. At the end of the lease term we turned it in. The lady looked over the car and said we owed nothing. Subsequently, we got a bill from XXXX XXXX XXXX saying we owed {$430.00}. We called the customer " service '' line and asked for documentation showing we owed that amount. They never sent us any documentation. So we looked on XXXX XXXX XXXX  website and it showed that THEY owed US {$220.00}. [ This was 3 weeks AFTER they sent us the demand. ] We thought the matter was over. 

In XX/XX/2017, we received a letter from a debt collector saying we owed {$440.00}. We wrote to them and contested it, asking them to send us documentation showing we owed the amount. They sent us the same invoice that Hyundai had sent us in XX/XX/XXXX, which explained nothing. Subsequently, we find that they placed a negative item on our credit report. This almost cost us financing for a new furnace for our house and caused the state bar of Colorado to ask the co-leasee for an explanation of this negative credit report. 

Hyundais business practice was outrageous. They refused to show any documentation, other than an alleged invoice, to explain why while Hyundais website system shows they owe us {$220.00}, they still insist that we owe them {$430.00} AND placed a negative item on our credit reports. We do not like to owe anyone money, so we have always make payments on time. However, we also refuse to be the victims of paying any alleged unproven debt that comes out of thin air. 

All the documents we have are attached with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information does not belong on my Transunion credit report