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

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX - No documentation of this its false needs to be removed XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX accounts above havrle 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 the consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies TO BE MAILED TO ME IN WRITING! 

If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Mortgage

Previous complaints was closed, I requested that USAA, send paperwork pertaining to their actions. They have only made statement not verification of proof. They have not looked for the payments, nor given time to complete any paperwork. USAA had 5 different subserves on this one, the payments has been not reported, they stated that XXXX never had my loan, XXXX, XXXX, XXXX, XXXX, and USAA themselves. I have sent documentation of all them.

USAA is saying we have opportunity to modify the loan, but given the letter on XX/XX/2018 from a former lawyer. I really would appreciate if some one can request their paperwork instead of just statements they have given. They have opportunity to correct Deed, contracts and other documents, but just keep assisting that they want to help. Contact them and it is not the case saying its to late.

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

AAFES/MILITARY STAR has assumed my identity as the " original creditor '' and has a charge off credit card account on my consumer report. I, XXXX XXXX XXXX, am that I am, the CONSUMER in fact, natural person, original creditor, lender, executor, administrator, pursuant to 15USC1602i. I have an open ended consumer credit plan pursuant to 15USC1602j, am the creditor pursuant to 15USC1602g, Being that i have ope ended credit i should have never been charged for the referenced account. As original creditor in a consumer credit transaction I have the right to cancel the alleged debt but AAFES/MILITARY STAR will not comply with the federal law and should be held civilly and criminally liable pursuant to 15USC1640 and 15USC1611. AAFES/MILITARY STAR has failed to provide the original documentary evidence pursuant to " Rule 1002 '' and nothing can be reported on my consumer report without written consent from the consumer pursuant to 15USC1681b. Please investigate and have tradeline remove.
Product: Checking or savings account

The bank was transitioning to a new system. A few days prior, I made a purchase for a vinyl record from the XXXX. The transaction went through but then my account was flagged and put on hold for fraud protection. I was not notified or contacted. I was not able to use my funds or get access to the website, or contact a representative until the transition was complete. During that time, transactions were declined and important plans fell through because I had no access to my money.
Product: Credit reporting

I have never applied for credit ever and someone elses debt is showing on my reports also I recently applied for a XXXX XXXX credit card and was denied stating I filed bankruptcy which I never filed in my life. 
Im a victim of identity theft and filed a report with the ftc
Product: Debt collection

Had previously reported personal identity theft to FTC. Personal information was used to purport a false medical claim against my credit resulting in a lower credit score. I did a search for the collection company, North American XXXX XXXX, which only resulted in a private XXXX page. Then did a search with the given #, XXXX XXXX XXXX XXXX, resulting in a list of consumer complaints - this same # posing as a telemarketer, a collection company and also a warranty service. Checked the BBB page which stated the company was closed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : For past year I have been denied credit a few times, which is strange with a XXXX credit score and excellent income and payment history. When I discuss with finance manager they tell me its because I filed XXXX during a divorce in XXXX. The issue is I filed but, I voluntarily dismissed it. The way it is being displayed gives the impression as though I went through with the XXXX. I didnt. 
This is similar to someone being arrested but then charges dropped being labelled as a criminal or someone files for divorce but withdraws the case, arent they still married? The way you display would show that individual as divorced and that is wrong. 
By the way, you are displaying a record that never went through is wrong and adversely affecting me personally and financially. If you go to XXXX, which is the Federal cases current and past database, there is no record of my filing because I dismissed the case by my own volition. I was going through a nasty divorce where my wife abandoned me and my XXXX daughters. I was not thinking straight. 
I should not be punished for something I did not go through with, Im requesting it be deleted from my record. 
This adversely affecting me personally and in business. Credit departments see the info and deny me thinking I went thru with XXXX. This is wrong.
Product: Debt collection

I was living with my wife and I did not disconnect electric service because of our kids and then she never paid the amount and now I have the problem.
Product: Bank account or service

On XXXX/XXXX/XX/XX/2015 A customer paid a bill at my repair shop in the amount of {$1200.00}. On XXXX/XXXX/XX/XX/XXXX the charge was reversed " taken from my account '' - {$1200.00}. I called Bank of America that day to inquire as to why. I was told that I was sent a letter to dispute the charges if I desired. I did not recieve any notification of any kind, e mail, letter or phone call regarding the potential charge back. I was told I had to pursue this issue with the customer. I have had no success with this. I did recieve a letter from the customers bank card company informing me that the dispute time had passed. I respectfully request that Bank of America return the {$1200.00} Immediately as I had no notice or opportunity to dispute the charge back. 
XXXX XXXX XXXX of XXXX XXXX Bank of America customer since XX/XX/XXXX. 
Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, Wa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian regarding several inquires on my credit report. I notified the Bureau that several of these inquires I did NOT authorize! Instead of them removing them from my file they IGNORED my complaint. As a consumer I deserve a credit report that is 100 % accurate. On my credit report I have notified them about XXXX XXXX XXXX  XXXX 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 XXXX In the dispute process the Bureau are supposed to verify items that are on my credit report. They have not. I have notified them that I didn't give these people my permission to access my credit report at anytime. However Experian still has not removed these items from my credit file.
Product: Mortgage

I started the mortgage refinance with this company on XX/XX/2020. I was told there is a {$500.00} processing fee, which i paid. An appraisal was done and paid for as well. 
It has been 60 days and no indication as to when this loan will close. When asked about the delay, i got the following response which did not give me anything specific. 

. I understand you wanting to close. The main problem isnt with Amerisave or any other lender at the time, its the consumer not understanding that everyone is refinancing at the moment and things are taking longer than normal. Your loan is in the processing queue and once a processor is assigned to the loan they will help us get to the closing table. Please understand that there is going to be a wait period no matter what lender you go with, so you might as well get the best deal in which what we are going to give you!
Product: Credit card or prepaid card

I had a financial change and have tried on multiple occasions to set up payment plan options with XXXX  XXXX XXXX credit card to keep from having to file bankruptcy or work with a credit counseling service. They refuse to work with me to be able to payoff balance. Also, they did not have the automatic payment options I had tried to set up on multiple occasions which has cause a ridiculous amount of fees. I had excellent credit leading up to this last year and a half due to our financial change and they have done nothing but make our ability to try to handle it impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer sent Transunion Consumer Solutions a letter on XX/XX/2022 demanding deletion of multiple accounts of alleged debts owed that were reported on my consumer report. However I never gave any written consent to Transunion to furnish a consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). This is identity theft as well which violates 15 USC 1681a ( 3 ). 
I have tried multiple times to get Transunion to delete these alleged debts owed XX/XX/2022 ID # XXXX & XX/XX/2022 ID # XXXX through the CFPB portal and I sent a third letter on XX/XX/2022. Due to Transunion committing identity theft and furnishing a consumer report I suffered from XXXX XXXX and XXXX. I was unable to obtain employment or credit and suffered from financial hardship nor have I been able to obtain insurance or housing. 
My family and I suffered from abuse from Transunion. 
By Transunion obtaining my consumer information without any written consent and furnishing a consumer report reporting obscene and profane language regarding alleged debts owed and late payments we were violated. This is a violation of my rights as a consumer according to 15 USC 1692d ( 1 ) ( 2 ).

Transunion knowingly and willfully obtained my consumer information from various sources violating 15 USC 1692e ( 10 )
Product: Debt collection

I called and asked them to let my account go into overdraft for the time being because payday for me was soon. Then they let my account go into a delinquent status. I never told them to allow charges to be made this way. As in let it get to a delinquent status, they shouldve just declined my card instead of having me think I got paid and had enough money in my card. When I called to ask they just told me it would all be sent to debt collections. They closed my bank account and now I can no longer open a new one because of this unfair situation.
Product: Debt collection

I WOULD LIKE TO KNOW HOW MANY LETTERS IT TAKES TO GET A COMPANY TO STOP CALLING YOU AFTER YOU DONE TOLD THEM THAT THE ACCOUNT THAT THEY ARE TALKING ABOUT DOES NOT BELONG TO YOU.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account name : XXXX XXXX Account number XXXX Late payment Date : XXXX, XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Transunion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Consumer Loan

Ally Auto agreed to let me skip XXXX payments in XXXX and XXXX of XXXX due to my employment layoff. A partial payment of {$260.00} was made on XXXX, skipping XXXX, and then a final partial payment on XXXX/XXXX/XXXX. In reality you are skipping XXXX payments. My next full payment was due in XXXX XXXX. I paid the full payment due starting in XXXX XXXX up until right now. They are reporting me over 30 days late in XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. If you look at my payment history on THEIR OWN PRINTOUT I paid every month and never late. I have tried to work w/them you get back in the mail is a " form letter '' saying their reporting is accurate. There is no name nor no signature. They honestly do n't want to help. My credit score has plummeted over XXXX points because of this. I have their printout of all my payments made and I agree with it. I believe the skipped payments have caused an effect making my account " look '' like I was continuously " behind '' when I was n't. I paid on time until my next approved skipped payments in XXXX XXXX. In fact, why did they not report me late XXXX? Why did they skip that XXXX? It makes no sense. Just another point their reporting is flawed. 
I have had this loan since XXXX of XXXX and was never late all that time. Their own printout clearly shows I made my payments. I honestly do not think they care or someone would have called me and not sent me a just a form letter not even signed. When you call you are lucky if you get someone with some smarts. They are like robots in their canned response. I do not know where to turn at this point. 
Being in the mortgage business has caused numerous layoffs and I have always honored my auto loan. 
XXXX XXXX
Product: Debt or credit management

I submitted my first claim on my married last name but at the time I had services under my maiden last name XXXX XXXX XXXX and I used XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please look up my former account with XXXX XXXX It is unfair that you will not assist me with getting my money back when I really had services with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Wh

om It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to reques
t the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I called the XXXX XXXX XXXX XXXX Lexis / Nexis Reporting ) on XXXX to request a copy of the information they submitted to Social Security in regards to my adult son who is XXXX. I am his rep payee and legal guardian. I was asked to submit proof of identity etc. via an email which I did that same day by scanning all requested documents and providing all requested information. No one responded. I called again on wednesday XX/XX/XXXX and was told that someone would respond within 24-48 hours. No one responded. I called again XX/XX/XXXX at XXXX XXXX and again they asked for all the same information and said i would be contacted in 24-48 hours. I have asked for a different department but the overseas operators who are hard to understand refuse. My sons resources are being recouped as overpayments due to incorrect information supplied by this XXXX service, the details of which I NEED IN ORDER TO DISPUTE IT WITH SOCIAL SECURITY. I am being given the run around and it is UNACCEPTABLE. Consumers should have a recourse and they should be penalized for irresponsible reporting AND refusing to respond to requests at all. 

Case # they provided to me is XXXX and my son is XXXX XXXX XXXX, XXXX.
Product: Credit card

Was try to do a business card and never said was a hard pull on my personal credit was supposed to be for business
Product: Checking or savings account

I have an account with XXXX. I am a customer in XXXX. Had no problem until last Thursday XXXX XXXX where out of nowhere they stopped me accessing my account! No call, no email nothing. This of course has left me with a lot of stress and problems. They have my money in that account and I have no other funds! I have called and sent lots of messages to be told on every occasion the same thing.to be patient and wait to be contacted! This is easier said than done when you are a XXXX lady with no access to any money to live off. They have also stopped my scheduled bills which has caused me problems with the companies concerned. I have begged and pleaded with this company to ask them to call me so what ever the issue is can be rectified.
Product: Money transfer, virtual currency, or money service

I received a message via messenger from who I thought was my boss. After conversing back and forth. My " boss '' gave me a name of a person from the federal government that was working on giving people grants and he said he got one for his business. I am in the process of starting my XXXX  XXXX, so i was interested. My " Boss '' gave me the information to text the " Fed '' guy and to ask to be set up to apply for a grant. So I did. He ask me for the following : My name, address, mothers name, my birthdate, age, email, job position, my phone carrier and my phone number, marital status, income and what mode of deposit do i want and a copy of my drivers license.

Unfortunately, i sent all this information.

Than he said depending on how much the grant I want I need to send them money which would cover the taxes on the grant. Which I did through bank transfer.

He asked me to send him a copy of the deposit receipt into the " federal government '' bank account through my bank.

- I was scammed via a bank transfer to another Bank of America account. When I found out it was a scam I immediately contacted Bank of America, my bank to cancel the transfer which was not finalized & they said they could not do it & to call the next day.
I called today XX/XX/XXXX and basically they said theres nothing they can do even though the scammer has an account with Bank Of America. I lost {$2000.00} from a scammer using of Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed an open collection amount on my credit report for the amount of {$5000.00}. This account was opened during the time I attended college at the XXXX XXXX XXXX in XXXX XXXX I lost my college financial assistance for my spring semester of schooling and was forced to move back home. This account was opened XX/XX/2018 and has been delinquent since. This account is causing a negative impact on my credit score and needs to be removed as soon as possible. I did not give permission to creditor to sell my information to debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX  XXXX XXXX, transunion, XXXX XXXX XXXX XXXX, transunion, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX