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

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I first contacted XXXX  and TransUnion in XX/XX/XXXX to let them know there were accounts on my credit report being reported by XXXX that did not belong to me. I asked XXXX   and TransUnion to validate the information with XXXX and provide me with any documentation connected with the accounts. XXXX and TransUnion did not validate the alleged accounts which are showing on my credit report. XXXX and TransUnion repeatedly claimed that they verified that 11 Student Loan accounts in the amounts of {$29000.00} ; {$21000.00} ; {$6200.00} ; {$4000.00} ; {$21000.00} ; {$16000.00} ; {$16000.00} ; {$12000.00} ; {$10000.00} ; {$13000.00} ; {$15000.00} were opened under my social security number in XX/XX/XXXX and that the first delinquency of these accounts took place in XX/XX/XXXX. There are a few issues wrong here and very concerning. First, ALL OF THESE accounts were allegedly opened in XX/XX/XXXX. I did not attend school in XX/XX/XXXX ; Second, the first delinquency of all of these accounts took place in XX/XX/XXXX, which is BEFORE the date I supposedly opened these accounts. AND finally, all of these accounts are showing as paid but yet open accounts on my credit report. I have requested that XXXX  and TransUnion provide me with signed documents bearing my signature, showing that I had a binding contract with XXXX for the 11 Student Loan accounts they are reporting on my credit report. I also requested that XXXX   and TransUnion delete the XXXX line items from my credit report. XXXX has not fulfilled this request but instead lowered my score by 18 points for these alleged accounts, TransUnion also has not fulfilled this request. XXXX and TransUnion unwillingness to actually validate this information with XXXX is damaging my credit. My next course of action will be to file civil lawsuits against XXXX, TransUnion and XXXX.
Product: Debt collection

I sent a proof a validation letter to company requesting a signed contract, I got no response. I do. Or have a signed contract with credit control corporation. I also sent a fax letter to them stating they are violating my rights under the HIPPA law.
Product: Credit reporting or other personal consumer reports

Hello there. I found several items on my credit report that I believe were fraudulent charges that were applied to my account without my consent. I need these items removed from my report to avoid negative impact on my credit score. Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

Passed statue of limitation New Jersey Passed Credit Card Dept. 
Was Charged Off in 2010 Total Amount {$7100.00} Due to Devoice Proceedings
Product: Vehicle loan or lease

The purpose of TILA is to provide clear and conspicuous disclosures and credit terms for Consumers. the information isnt correct regarding my disclosure about the amount financed. Therefore let it be known I am disputing the validity of my contract and the terms. See Itemization of Amount Financed Sheet ( aa ) Amount Financed ( j+y-z ) does not equal the amount stated {$29000.00} on the consumer contract. If j= {$28000.00} and y= {$4000.00} and x= {$0.00} then the amount I knowingly agreed to or signed for is incorrect. Therefore it is my understanding that all the numbers are off if we are going by this incorrect information that was set forth. The numbers are off and are not adding up. Please provide your clarification and your explanation to this disputed information. And explain how this discrepancy occurred to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX  Experian XXXX and XXXX unlawfully took adverse action against me by reporting unfair inaccurate reporting. I disputed the account for inaccurate reporting and TILA violations and XXXX XXXX TOOK IT UPON THEMSELVES TO ADD MORE NEGATIVE REMARKS TO MY REPORT WITHOUT MY CONSENT NOR WRITTEN PERMISSION. THE ACCOUNT WAS DISPUTED ON XX/XX/2022. XXXX XXXX XXXX XXXX FAILED TO NOTIFY ME PERSONALLY IN WRITING ORAL OR ELECTRONICALLY THEY HAVE ONLY MADE CONTACT WITH THE CREDIT REPORTING AGENCIES. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 30 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report credit information does not match other credit reports XXXX not XXXX XXXX, My Experian score is more than 40 points lower using the same credit scoring system, I looked at the accounts and credit information is wrong
Product: Vehicle loan or lease

I am writing to you, once again, with added urgency regarding a pressing matter that has significantly impacted my financial situation involving Audi Financial.

Despite owing less than {$5000.00} on my vehicle, Audi Financial has refused to provide an extension, putting me at risk of repossession. I am only behind one payment and currently in between jobs, making this situation particularly challenging.

Additionally, I want to bring to your attention that Audi Financial 's phone calls have become harassing. They are calling me about five times a day, which is excessive and distressing, especially considering I am only behind one payment.

Furthermore, when I initially purchased the vehicle, Audi Financial charged me for a protection plan. Despite disputing this charge for over two years, they have neither refunded the money nor provided any resolution. Audi Financial directed me back to the dealership, and the dealership referred me back to customer service, creating an ongoing cycle without a resolution.

I kindly request your urgent assistance in navigating these complex issues with Audi Financial. The lack of cooperation has left me in a precarious situation, and I believe your intervention could facilitate a swifter and fair resolution.

If there are specific contacts or departments within Audi Financial that could address these concerns, please guide me accordingly. I have attached relevant documentation for this matter.

Thank you for your immediate attention to this urgent matter. I appreciate your efforts in bringing about a timely resolution. 

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

To whom it may concern, this is a formal complaint that Transunion is in violation of 611 section 1681i ( A ) ( 1 ) ( a ). 
On XX/XX/ I sent Trans Union a dispute dispute with the accuracy of student loans. I have several accounts reporting in accurate information and four of those accounts are duplicate student loan accounts therefore they are reporting inaccurate and incorrectly., I was in disagreement with the outcome of a investigation on my XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I requested this company to investigate this plight to which they did not comply and as doing such they knowingly violated my rights. this inaccuracies and incorrect information is damaging my reputation and I am been denied funding and other opportunities because of this
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX 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 60 days 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 & 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 


XXXX XXXX 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
Product: Checking or savings account

I feel so unsafe. Violated in every area of my life. So I am shock to learn my hard work will never be safe with my bank. Simply, because privacy have been violated several times from my bank. I contacted my Bank Suntrust. XX/XX/XXXX Wednesday, to report yet again another unauthorized transactions to my account. I should have been contacted my bank since XX/XX/XXXX in regards to other charges. But that day I was extremely disappointed as a customer about my safety with XXXX. As well as SUNTRUST. My bank etc. I called to cancel my Debit Card and dispute several transactions. I was told they wouldn't be able to assist me over the phone. To go to a branch. When I went to a Branch on XXXX in XXXX County. Demanding funds since I was unable to get another Debit Card over the phone. They refused me basic service as a customer. Refused me entry into the bank to close the account. When the bank was open. I saw customers inside. They refused me entry to talk to a Branch Manager. Or to request another Debit Card. I feel so unsafe with this bank after the treatment I endured from Suntrust Staff. I no longer feel safe with my hard work and funds at their bank. I am writing this official complaint. To document my final dissatisfaction as a loyal Customer and Client of Suntrust and XXXX. As well as to pursue legal claims against them. For the harassment and degrading services. I received as a customer. The bank was clearly open. I was denied entry to even close or withdraw my personal funds. After submitting proper identification. I was treated like a dog by Suntrust Bank Staff. I was told. " To go to the window for my cash. '' At the drive through window like I was in a car. I am currently XXXX. My XXXX XXXX XXXX is on. I was XXXX XXXX XXXX XXXX. Needed funds to go purchase XXXX. I want to pursue a Civil Lawsuit against Suntrust ; for the being denied service at my bank. A bank that have my money. That have caused me so much emotional distress. I want to file a Civil suit against those companies that violated me. As well as the staff, that denied me proper service as a loyal customer. After proving my identify. By showing my bank card and Identification. I still was unable to get a replacement card with my bank SUNTRUST. To go shop for XXXX. I had to go into a bank for cash I was denied entry. I want my accounts closed and to sue Suntrust and XXXX for their violations of my privacy. This is my Official Complaint to document these Institution abuse of power and violation of my privacy.

I want to file a Civil suit against those companies that violated me. As well as the staff, that denied me proper service as a customer Loyal Customer and Client of Suntrust for over 2 years. After proving my identify at the Bank I was still unable to get a replacement card or allowed entry to the bank. This harassment ' from Suntrust is unbearable from any bank. Hindering me from access to go my funds to go shop for XXXX  during my XXXX XXXX. I had to go into a bank to be insulted and denied entry. I want my accounts closed and to Sue Suntrust and XXXX for their violations of my privacy.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

In XX/XX/XXXX I received an email from my bankruptcy attorney XXXX XXXX regarding a back payment on my mortgage XXXX XXXX XXXX XXXX in the amount of XXXX dollars line XXXX in this paperwork states the motion is denied. this Mortgage was sold to Midland Mortgage XX/XX/XXXX. Knowing I was behind I wanted a clean slate with the new lender and sent them a cashiers check from my bank in the amount of XXXX dollars XX/XX/XXXX and according to the transaction history I recently requested from Midland mortgage because it's blocked were I can't access online this was never applied to my mortgage. This caused my escrow account insufficient. on XX/XX/XXXX I received notice of postpetition fees, expenses, and changes for late fees. for XXXX dollars. Most resent I received a notice of mortgage change dated XXXX to the amount of XXXX from XXXX. As of XX/XX/XXXX all my payments that I pay thru my bank are recorded as misc receipt. Midland mortgage have not applied all the payment since they acquired my mortgage.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/, XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXXXXXX Date of inquiry : XX/XX/, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/XXXX  & XXXX  Date of inquiry : XX/XX/,
Product: Credit card or prepaid card

I was looking through my emails and received my statement of a balance. I never once used my card once I opened it. So I don't understand why I have a balance.
Product: Credit card

My two Barclay 's credit cards were disabled in late XXXX after I changed my mailing address. I am also unable to access any online portal ( website or app ). 

Customer Service Call on XX/XX/XXXX - The rep verified I had a hold on my account unless I can produce documentation of my new address. It is the address of a virtual mailing service that I pay for to open and scan my mail when I travel. This is a service that thousands of people use, verifiable on XXXX, and something where I signed paper work with the USPS to enable them to handle my mail. I said I don't live there but I do have a legal permanent address. The rep said I need to send documentation that other banks send mail to the virtual service ( which they do ), but only via snail mail or fax. I said I do not have a fax, and USPS will take too long and I need to use my cards for daily purchases. The rep said she had no other options so I asked to speak to a manager. She said someone would call me. They did not. 

Customer Service Call on XX/XX/XXXX - A different rep again verified the hold on my account for the same reasons This time, they said I must mail or fax a front and back copy of my drivers license or social security card. I ask what their process was for handling that information since it is sensitive to my identity. The rep told me that she could not and would not tell me that information. I said I do not feel comfortable sending copies of these documents in this way, especially without verification of the process they take once they have them. I offered to change the address to my legal permanent address instead. She would not make the change. I then requested to please close my accounts. She said she would not close my accounts without documentation so they will remain open and disabled. I again asked to speak to a manager, and the rep declined. 

Formal Complaint Call on XX/XX/XXXX - I called the formal complaint telephone number on Barclay 's website. I explained the situation a third time, offered to change the address to my permanent resident address or close the accounts. The rep said he would not take any action without these sensitive identity documents. When I asked what the formal complaint process entailed, he said he would make a note of the complaint on my account. He said he did not know the complaint process or what would happen to the complaint after he noted it on my account. I asked how I can receive confirmation of my complaint ( such as sending a copy to my email on file ). He said he could not do that. I asked to speak to a manager again, and have not received any follow up. 

So now, I have two useless open but disabled credit cards, including one with significant miles accrued. Barclays says they are protecting my identity, yet they can not assure me the documentation they request will be safe, nor offer to resolve this issue in any other way. At this point, I want reimbursement for my unused miles and to completely close these accounts.
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Please promptly eliminate the late payment and UPDATE this account immediately. 
XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$430.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$650.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$620.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is extremely frustrating and stressing me out, I have been trying to fix errors on my credit report for some time now YET you fail to notify me of the disputed information resulting in missed opportunities, this is a blatant violation of my rights as a consumer which is very insulting.
Product: Mortgage

# 1 the Biggest issue is I just finished a bankruptcy for 5 years to keep my house. I have paid my mortgage payments over {$110000.00} for the last 5 years. I have paid my bankruptcy court. When the bankruptcy was over their attorney sent a letter stating I was behind since XX/XX/23 and owed {$14000.00} more then what I have on all my mortgage statement. They never put it in my plan and never showed me on my statements that I owed this money or I would have made sure it was paid. Now they will force me into another bankruptcy when discharged any day now because they will try and foreclose on my house. They were very sneaky and I think Unethical in how they handled my mortgage. Never could get info because in a bankruptcy. Couldn't pay on line made you call in. It was a fiasco from the very beginning its been very difficult I have many letters. 

# 2 - They are not showing my last payment of {$3600.00} on XX/XX/2023 and they still haven't put it so I can understand it on my bank statement? It doesn't show I paid {$3600.00} and in the past when I made a big payment it would show up as I paid it on that day? 
Also, they send out my bank statements sometimes the beginning of the month sometimes the middle to end of the month and it is always a guessing game if they will show what I paid and when and what charges they are putting on my account. 

# 3 If I called for help they would tell me to contact their attorney which I am sure cost money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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