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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion Keeps putting 90 Day Initial Alerts on my credit profile without my permission. They keep doing this because I am sending Validation Letters ( not disputing ) but asking them to provide physical proof that what they are reporting meets FCRA guidelines, meaning the information is Accurate, Complete and Verifiable. They have been unable to do so and instead of doing their job they just keep putting these alerts on my file to make it hard for me to apply for credit. Lets face facts, the law that is on the books that is supposed to govern the credit bureaus is not working. They are breaking the law, not doing as they are required and when myself a consumer asks them to provide proof or remove an item they get mad and whine like little babies and put these alerts on my file. I am tired of this. This is the 3rd time this has happened and I will file these complaints every time to make these guys stop doing this. Just do your job, stop abusing the law and stop telling me that I have to provide proof from the original creditor. I am not the one that is reporting the information so the burden of proof is on you as a company.
Product: Debt collection

I requested that XXXX remove the delinquency report from my credit report from XXXX XXXX credit card because my account is current is in collections but have used third party affiliates without my consent to show 30,60, or 90 days delinquent.
Product: Debt collection

I have issued previous reports and have not received a proper response. Company is stating they bought a debt from XXXX XXXX from or around XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( they don't know the date ). It is obvious that this is fraudulent. I have stated on multiple occasions that I don't know this debt and I am pursuing multiple venues to remove it. The alleged debt in question is XXXX USD, again ; I do not know this amount. I demand proof of original debt, this would take the form of the signed account opening documents from XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 
Convergent Accounts below Derogatory Information 1 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX Derogatory Information 2 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX  XXXX  XXXX Derogatory Information 3 Account XXXX Date Reported XX/XX/XXXX Creditor Name 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 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, credit repair services, 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  - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT - # XXXX has violated my rights. 
XXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
XXXX XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 


15 USC 1681 ( a ) ( 4 ) 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. 

15 USC 1681b ( a ) ( 2 ) 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.

15 USC 168c ( a ) ( 5 ) 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 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization given to report my information to a third party. I the consumer may have given you written/unwritten verbal and non verbal Per 15 & USC 6802.
Product: Checking or savings account

Chime did not want to help me with an authorized transaction that I did not XXXX spoke into multiple supervisors and the issue is still not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 requesting the credit bureaus to investigate every detail of information reporting for the accounts I have listed in the letter attached to this complaint. Along with the attached letter are the receipts from the U.S. Postal Service XXXX MAIL. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation to the law? After waiting for a response to my investigation request letter, an extensive period of 30+ days have passed and no actions or effort to respond have been made by the consumer reporting agencies. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. I also have an itemized explanation stating my balances are 100 % paid or fulfilled. Not only is the credit reporting agency prohibited to report my medical information, the reporting details are inaccurate and have caused damage to my identity alongside severe stress, pain, and XXXX personally and for my family. This is ground for removal and they have also violated my rights under 15 U.S.C 1681 ( a ) ( 4 ) States that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C 1681a ( d ) ( 3 ) States the restrictions on sharing the consumer 's medical information. 
15 U.S.C 1681b ( a ) ( 2 ) Also states a consumer reporting agency can not furnish an account without my written instructions and consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is to Experian Credit Bureau I have been disputing multiple Fraudulent Accounts on my file back in XX/XX/2022. 
Experian keeps sending the same generic responses as " This account has been verified '' as accurate Experian has sent me copies of my credit report and also have mailed me statements. 

a Copy of a Statement is NOT proof that an account has been verified and any Automated response or e-Oscar verification is unacceptable. I know these accounts are fraudulent and do not belong to me so I requested Experian to let me know their Method of Verification that these accounts are valid. I requested the name, address phone number of each person contacted regarding these accounts. I requested a copy of any document with my signature proving that I am obligated to pay the exact amount owed. After months and months of going back and forth with Experian they still have not provided any proof nor documentation and still keep responding with the same generic response " Account Verified ''. They have failed to provide their Method of Verification nor provide any documentation proving these accounts belong to me. 

I also made a police report out and submitted a copy to Experian. I've spoken to them over the phone and they said because I submitted a police report their fraud department put a security freeze and fraud Alert on my file But they STILL continue to report these Items as Verified! This makes absolutely no sense Below is a snippet of XXXX of the dispute I've sent This letter is in response to your recent claim that XXXX XXXX has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification
Product: Debt collection

I was contacted at work this morning by a clamming to have a certified envelope for me and he wanted to not serve me at work. I told him I could meet him in the lobby, but then he said he was not on he premises but for me to call the toll free number to pick up the envelope locally that once a called I wo n't be served at the office. I called the number and was told that there was no envelope to pick up in XXXX where I work or in XXXX where I live. That the man who called did not work for United Compliance Services. That makes no sense since he is the person who gave me the number to call.The woman then said I would be garnished for a pay day loan, that I was already garnished for in full fin 2013. I told her she had the wrong information and she said that everything was already verified and that if I did n't agree to pay her {$350.00} immediately I would be jailed and garnished again. I told her that I was not agreeing to anything that was not in writing since she had the wrong information. I was not paying the debt XXXX. She said had no choice but to send the garnishment to my employer and then hung up. 
This is really a problem for me since I have already paid this to the original place XXXX XXXX XXXX. There is a mix up, and I do n't want them to threaten or harass me especially at work.
Product: Checking or savings account

BMO Harris bank close my account sent available funds in the account to Unclaimed property. They asked me to provide a hold harmless form from the financial institution. the branch manager from the financial institution, XXXX speak with BMO fraud specialist XXXX, She stated she dont doesnt know why theyre holding money and she request for manager it has been a month. I still havent received a call from a manager, the ACH credit was endorsed to the business account. There was no reason to close the business account. There was no fraud detect Im requesting a call from a manager
Product: Credit card

Capital One has told me that I do not have late payments on my account but my credit report is showing XXXX late payments ( XXXX, XXXX, XXXX, XXXX, XXXX ). I have disputed this information with Capital One several times and have been told that the late payments are correct but when I contact Capital One they assure me that there are no late payments on the account ; Capital One then assured me that the late payments were corrected and removed off my report and that the credit bureaus had to update their reporting. After disputing with all XXXX credit bureaus, I get a unanamous answer saying Capital One is reporting the late payments so my credit reports can not be changed. I have submitted complaints to all XXXX credit bureaus thinking they were refusing to update the information but the re-investigations by the credit bureaus are pointing to Capital One being the broken link. Capital One is telling me that their reporting was updated and they are not reporting late payments but they still report the false data. Capital One is lying to me about my account information and reporting false data. Attached is a copy of a conversation I had with a Capital One representative. They clearly state that the late payments have been updated and removed, yet they still report the late payments. Calling Capital One yields the same result. I end up waiting for the credit bureaus to change the information but they are only reporting what Capital One is providing them. Capital One needs to report the correct data and my credit reports should be updated and the negative information should be removed. These XXXX payments have killed my credit score.
Product: Credit reporting or other personal consumer reports

I have an loan account from XXXX XXXX XXXXand I regularly paid the XXXX but after that my vehicle is theft and I could not receive the insurance and at the time of COVID l lost my job and so I think when I received the insurance amount a payment the loan amount but a could not receive the insurance amount, at that time the XXXX XXXX filed a case in the court against me and I received a notice from court.After that legal proceedings I contact the lender bank again and promise to pay all the amount due and XXXX and and request them to stop the legal proceedings and accordingly I paid all the outstanding balance and all XXXX and at the date XX/XX/2024 I paid fully dues for my loan without any settlement and request to close the loan to the lender. 
Now the loan account is closed but the court case is active till now and my cibil status shows suit filed.I many times request the lender bank and the Cibil to solve my problem but yet suit filed/court case is active.And lender bank reply that they can not have power/ able to remove/update the suit filed status of my cibil report. 
So sir I kindly request you to solve my problem to closed the court case and suit filed status from cibil if it is possible or otherwise give me the proper result how can I solve my problem to plan my financial planning for the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for an auto loan from my XXXX XXXX XXXX XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of XXXX  while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX XXXX XXXX XXXX however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau Equifax XXXX XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.
Product: Mortgage

Relocated from   XXXX   XXXX   Florida to  XXXX  Florida due to being unemployed.
I found a job on   XXXX   XXXX  . I leased my home in   XXXX   XXXX   Florida to try to off set some on my bill. I request a RMA with Carrington mortage company and was denied.
They stated that I must live in the home now. I want to keep my home as I will be returning   XXXX    2018.
Product: Debt collection

I had surgery at XXXX XXXX XXXX. Prior to surgery I met with the financial department and paid the entire amount that was listed as my responsibility. Now four years later I am receiving calls from HR Accounts. I have disputed that I owe this money and have requested that the hospital explain how I am responsible for an additional {$660.00}. I have call the hospital finance office several times and no one returns my call. I have called HR accounts several time and they keep saying they are sending our the verification or sent out the verification. I have not received proof that i owe this debt however this account is listed as a collection on my credit report causing blemish on my otherwise exceptional credit history. I would like this account to be removed from my credit report immediately.
Product: Credit reporting

XXXX XXXX I have asked for your company to validated and verify the account with the following information 1. The contract with my signature that gives me the companies the right to report to my credit file. Your company is now in Breach of the FCRA for failing to provided information from a valid account. 
2. A full payment ledger showing a payment ledger. 
3. Proof the company has the right to report anyway their contract with you I have a legal right to see it and also the dispute history from this company with you. 
4. I have the right to see the proof they provided to you. If you do n't provide the proof that they can report to my credit I will sue you for it. 



Your company needs to provide me with what makes you think that this company able to report to my credit you have not because you can not or you do n't know.
Product: Vehicle loan or lease

I originally placed my order on XX/XX/XXXX and was approved for a 24 month lease with {$0.00} down. With all fees included, my lease offer was {$660.00} monthly with {$2400.00} due at signing ( quoted {$620.00} monthly at the beginning of the application ). Right before scheduling delivery, I became aware of a price cut for leases on the same vehicle on the Tesla website. Earlier today, my original lease terms were cancelled and I was informed I could submit a brand new application to get the current terms listed on the site. When I completed the application, I was quoted the lower terms that are currently shown for new customers ( quoted {$540.00} at the beginning of the application ). Upon approval of my lease application today, I was given the exact same terms ( {$660.00} monthly with {$2400.00} due at signing ). Before deciding whether or not to take delivery of this vehicle on XX/XX/XXXX, I need explicit written confirmation from the Tesla financing department of which is true : A. The new application I submitted for a lease today on XX/XX/XXXX was disregarded because I originally placed the order on XX/XX/XXXX and was approved for/accepted different lease terms originally. Because it was the second lease application I placed on the same order, the lease offer was defaulted to the original terms despite price cuts for new customers. B. The prices shown on the Tesla website and at the beginning of the application are given to select customers based on credit approval. Even though the estimate started lower for the new application on XX/XX/XXXX due to price cuts, Tesla Finance is only able to approve me for a monthly payment of {$660.00}. Therefore, even if I cancelled this order and placed another with a brand new lease application, Tesla Finance will still only be able to offer me the same {$660.00} payment for my individual credit profile, regardless of the order its attached to or changes in terms at the beginning of the application process.
Product: Checking or savings account

I tried to purchase a puppy online for {$950.00} on XX/XX/XXXX, on XX/XX/XXXX the seller never mailed the puppy which was the day I was suppose to receive the animal. Once I noticed the puppy wasnt sent a police report was filed on XX/XX/XXXX at around XXXX due to the scam. Police have proof and evidence that I didnt receive any merchandise which in this case was a dog. I tried to contact the bank on 3 separate occasions the first one was on XX/XX/XXXX and they denied my claim a couple days later because in there terms I authorized the payment. On XX/XX/XXXX I called again to refile the dispute which as of yesterday XX/XX/XXXX was denied again. It's just crazy because I tried to make a purchase and never recieved what I intended to buy now the bank doesnt want to work with returning my funds.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$900.00}