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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Chase bank closed my account and did not return over {$2000.00} that was on my account.
Product: Credit reporting or other personal consumer reports

The account listed in FTC should be removed. see the document attached
Product: Credit card or prepaid card

I used a credit card with Capital One and when I tried to make a payment on the due date they didnt accept my payment method and they locked my account, Not only that after I missed the due date ( because I was notified the next day that my payment method wasnt accepted ) they charged me {$780.00}! In interest, I tried to talk to capital one to remove it but there is no one to talk to. 

I would like my interest back!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  WITH XXXX FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

The city of XXXX XXXX XXXX XXXX stolen my private automobile without any contract or my consent or any injured party on the XXXX  of XXXX two thousand and eighteen the company also the given municipal collection services inc. and the municipal collections services Inc and MUNICIPAL COLLECTION SERVICES INC. companies my personal data and information without my written or express consent furthermore I don't owe any debt in the amount of XXXX furthermore the City of XXXX XXXX XXXX XXXX and municipal collection services Inc failed to show there is a contract, failed to provide a injured, party and misappropriated and misfalsified documents of XXXX XXXX information and personal data. XXXX XXXX responded and given municipal collection services Inc seven days to respond and resolve this matter on the XXXX XXXX of XXXX two thousand and eighteen. Municipal collection services Inc is also responsible for given their parties my personal data and information without my written or express consent XXXX XXXX personal data and signature worth is XXXX XXXX dollars. XXXX XXXX is seeking claims for the harms and damages of the fault of the city of XXXX XXXX XXXX XXXX and municipal collections services Inc and MUNICIPAL COLLECTION SERVICES INC
Product: Credit reporting or other personal consumer reports

My mortgage loan was serviced by service XXXX and they sold the loan. I received a letter from freedom mortgage on XX/XX/XXXX stating that they are my new mortgage servicer as of XXXX XXXX, and that I no longer make my payments to them as of XXXX XXXX. I paid my XXXX payment to XXXX Mortgage as the letter stated. XXXX XXXX is reporting my account as delinquent when they are no longer my servicer. I believe the company is doing fraud they are harassing me stating I owe them for XX/XX/XXXX and now the month of XX/XX/XXXX when my loan is no longer with that company. They will not respond to me and only states that my loan hasnt been transferred when it has and I have been paying the new company. I am very frustrated because they are harassing me for payment and reporting late payments on my credit when my loan was transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MD XXXX XXXX : Transunion failure to correct inaccuracies on credit report. 
To whom it may concern. I am writing in regards Transunion failure to investigate erroneous account that is reporting onto my credit report. 
My initial contact with the Transunion was on XX/XX/XXXX. After reviewing my credit report, I noticed several accounts that were reporting inaccurately and requested that the accounts be removed. However, they sent me a reply letter on XX/XX/XXXX, and completely ignored one of the accounts-XXXX XXXX  Unit that I disputed. 
I then wrote the Transunion again on XX/XX/XXXX, asking them to please reinvestigate the account because after thoroughly reviewing it the information was still inaccurate. 
I received the results of my second investigation request from them on XX/XX/XXXX and yet again, they stated that the account was verified as accurate. As you can understand, I was very confused at this point because after auditing my credit report once again, the information that I disputed was still reporting inaccurate, yet the Transunion somehow verified that it was accurate. 
At this point I wanted to know how that was even possible, so I then wrote them a dispute letter on XX/XX/XXXX asking them how they verified this information as accurate. On XX/XX/XXXX, I received a response from them stating that the so called investigated the account again, the outcome was that it was accurate. After reviewing my credit report yet again, I found that the account was still not accurate. Therefore, I requested yet again another reinvestigation on XX/XX/XXXX. 
After several attempts to get the erroneous information : removed absolutely nothing has happened. My credit report and credit reputation are in pure shambles due to the Transunions negligence. I am XXXX, frustrated, and I am constantly wondering what my current creditors think of me and what my financial future looks like because this inaccurate information is having a negative impact on my credit report and may cause me denied credit in future. My future.

I am writing you because my back is against the wall. I have no other options. I really need your help.

I am aware of the tens of thousand complaints against this credit reporting agency for their neglect when it comes to investigating consumer disputes, specifically in my case. I am requesting that Transunion is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any all inaccuracies from my credit report. 
This is causing serious harm not only to my ability to establish credit, find a good job, and provide a life for my family, it has caused a huge XXXX XXXX on my credit reputation. 
For your convenience, Ive attached all correspondences that Ive had with this company. Anything else you need from me or would like for me to do, Ill do it ... just let know.

Thank you for your immediate attention to this matter.

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Back in XXXX, I opened a credit card account with XXXX XXXX. I submitted a payment for the full balance on this card and paid the credit card off with the intention of cancelling the card. After that, I received no communication from XXXX XXXXXXXX other than the balance re-appearing on my credit card and them stating I could no longer access my online account to make payments and that I would need to contact them. XXXX  XXXX sent my balance to PYOD LLC collections company for the amount of {$510.00} that I paid. I attempted to dispute the charge with PYOD LLC through XXXX XXXX which did not work. After this, I contacted PYOD LLC directly and informed them I made the payment on this account in full and was not sure why it was sent to collections. They advised I contact XXXX XXXX to receive my full credit card statement with purchases and payments. I contacted XXXX XXXX who said they no longer had access to that information and that I would need to contact PYOD LLC for those records. I contacted PYOD LLC again early in XXXX and informed them of what I found out and they stated they did not have the records and there was nothing they can do other than submit a request to XXXX XXXX. I have still not received my full statements from XXXX XXXX or PYOD LLC and they have this collection on my account hurting my score. PYOD LLC is stating that they can remove my delinquency if I make a payment but have been vague about it and refuse to send any paper communications. This balance is so minimal, however, I do not feel like I should pay this amount a second time when I know I paid it. I think it's very strange that the companies can not even communicate between one another to actually validate the debt OR provide me any information about this debt. I need this collection account removed from my credit report as this amount has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies XXXX, XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.
Product: Credit reporting or other personal consumer reports

This closed collection does not show the amount owed, balance or any payment history XXXX told me that that information did not have to be correct I have ask them several times to remove it from my report if because it's factually inaccurate
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The company has made no effort to resolve the issue. They just continue to keep reporting wrong information that is damaging my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX and XXXX XXXX account 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. Code 1681s2 - 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

LIGHTSTREAM IS ON MY CREDIT REPORT AND LOWERED IT. I DON'T KNOW THE COMPANY AND NEVER WANTED A LOAN OR WHAT EVER FROM THEM.
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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 belie
ve that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Company : Acima Leasing Date of Purchase : XXXX  Details : I purchased auto equipment for my vehicle from XXXX XXXX, which is the company that sells the loan programs for the company. When I went into the store I was fully prepared to purchase the equipment out of pocket but after pushy antics from the store representatives I was forced into a contract with Acima. 

The representative texted me a link and walked me through each step and explaining each step. I trusted what the person was saying and followed through with it. After, he took my keys and said come back in 3 hours. 

Fast forward, 4 months, I get a call from the company advising that I missed a payment. I got a new debit card and forget to update the information with them, so I did it and proceeded the payment. After processing the payment I was informed that I still had a balance on the amount that was more that the loan amount. I asked the rep how XXXX went all the to tell a supervisor who then told me he didnt have a boss and there was no one else to speak to. 

I advised no one told me about any of this and demanded more information about how this was not ok. I also advised i would give everything back if I could get my money back. So no help. So here I am trying to figure out how this is ok and how I can only be held responsible for the cost of the equipment and not the triple charge of the cost of all this.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern the company reporting the wrong is experian credit reporting they have an account listed as paid/charge off and its keeping me from buying a home the account is with XXXX XXXX the account number is XXXX and the amount charge offed is {$93.00} in which XXXX XXXX says i do not owe any balance they say the account was opened in XXXX of 2010 everybody says i dont owe any money so my thing is why is it still reporting a negative item on my credit report i would like for the credit and said paid account to be removed immediately
Product: Credit reporting or other personal consumer reports

According to 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't 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 is a financial institution by definition under that title. 15 USC 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. '' ( ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Product: Credit card or prepaid card

The company used deceptive practices to get me to enroll in a program that deactivated my card and closed my account. They sold a repayment program but did not mention that my card would be deactivated and my account would be closed and it would adversely impact my credit history. I do not recommend using the company for credit services because they use fraudulent methods and predatory interest rates.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently created a XXXX XXXX account and I noticed a hard inquiry for SYNCB, national credit cards / Airlines. I have no idea what this is from. I have never had or applied for a credit card. Ive tried contacting everyone and no one has gotten back to me.