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

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

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: Debt collection

I originally agreed personally to repay a business obligation to XXXX XXXX XXXX XXXX  ( now XXXX ). XXXX sold the obligation to another entity SMS FINANCIAL XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX.It appears that XXXX XXXX does not exist as Phone calls asking for him are transferred to a XXXX XXXX XXXX XXXX Initial contact by XXXX XXXX indicated errors in accounting in accordance with the original obligation in that the original contained no interest and several payments to SMS were credited to interest and not principal in opposition to the original agreement. I contacted XXXX XXXX by Certified mail Return Receipt and detailed the errors. I also requested a corrected statement of account.This contact occurred in late XXXX of XXXX. As of today I have not received a response and am preparing to make another scheduled Principal payment. What is the recommended wayto handle this situation? Thank you for your assistance and advice. 
XXXX XXXX XXXX I am trying to figure out how to attach copies of documents with no luck. willl keep trying
Product: Money transfer, virtual currency, or money service

There was one large transaction on XX/XX/2021 at XXXX XXXX totalling XXXX AUD. 
I wrote two dispute letters to Coinbase Company, and both were denied without a clear explanation. 

Their response is, well, not very good, in that it is based on just blatantly incorrect understanding of what I have to say. What amazes me is just how difficult it has been to find soundness in it. Their analysis, for instance, doesn't engage with the actual history of my account and a significant portion of related data that may contradict their position has been conveniently ignored. 

I have great respect for rational and honest discussion but no respect for misrepresentation. I detest the lies and distortions associated with their administration. They have failed to exercise due diligence and duty of care to substantiate their claims. 

This complex issue has caused substantial harm to me, and if not appropriately addressed, will continue to cause substantial harm to others, we must therefore conduct an in-depth and comprehensive review of all the contributing factors that have led to an outcome as horrendous as the one described herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

after multiple disputes, at least XXXX, Equifax and their client XXXX XXXX acct. no. XXXX refuse to correct or delete reporting specific inaccurate information on this account. 
this installment loan is reporting 0 for term duration. {$0.00} for the actual monthly payment amount ; {$0.00} for the scheduled payment amount.this account update verification was six days ago on XXXX AND XXXX XXXX OPPRESSIVE BEHAVIOR REGARDING THE BASIC TENETS OF THE FAIR CREDIT REPORTING ACT. 
EQUIFAX IN ADDITION HAS SENT 3 LETTERS saying they refuse to investigate this account which any CFPB credit investigator can see is inaccurate on the face of the record. 
EQUIFAX SHOULD BE PROSECUTED BY THE CFPB AND BOTH XXXX AND EQUIFAX SHOULD FACE THE STATUTORY CIVIL LIABILITY FOR REFUSING TO OBEY THE FCRA AND THERFOR DAMAGE ME.
Product: Vehicle loan or lease

I had a total loss on my vechicle and my insurance paid the XXXX XXXX  value and I have gap which paid the difference ins paid {$21000.00}, gap paid {$780000.00} and waiting for extended warranty to pay {$420.00} they are still charging interest and they charge me late fees on a vechicle I no longer have and the total amount I paid was {$31000.00} that was left on the vechicle minus those fees from that amount. They say I still owe {$2100.00} I feel they shouldnt charge me anything else because the car is not worth that amount any more I in a hardship because of my total loss.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I noticed an account that was not reporting correctly. There are two late payments being reported that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this report on XX/XX/year>. I'm now requesting you investigate this account and update these accounts as paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I checked my XXXX credit score on XX/XX/XXXX and noticed that I have 3 reports of the same company I called XXXX and they told me it should only be counted as one but it's got it 3 times. The inquiry is for Factual Data and the dates are XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$160000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX XXXX : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$810.00}
Product: Credit reporting

Experian has been reporting XXXX XXXX XXXX for 5 years, has been investigated more than 10 times and each time verified false, fraudulent, incorrect and incomplete information.THIS ACCOUNT FURNISHER has violated the spirit and the letter of the law in the 2009 Credit Card XXXX dollars was paid in XXXX checks to open the account ( violates statute by excessive amount ) XXXX illegal internet access charge was made ( violates statute ) XXXX late fees are excessive ( violates statute ) the information on the credit report is based on activities that include the illegal charges so the balance is inflated. 
there is no DOFD on the report, the amount of last payment is not listed, the scheduled payment is not listed ( used to determine excessive late fees ) .I have attached all account history and legal references in the form of the statute, the CFPB guide, and the Federal Reserve COMMENTARY on the final implementation of the 2009 CREDIT CARD ACT. 
ALL VIOLATIONS ALSO VIOLATE THE FCRA AND FDCPA ON THE PART OF EXPERIAN AND XXXX XXXX BANK, RESPECTIVELY. 
THE BUREAU AND THE FURNISHER ARE NOW FINANCIALLY LIABLE REGARDLESS OF ANY DELETION, CORRECTION OR FUTURE ACTION.I SUGGEST EXPERIAN LEGAL TAKES SOME ACTION FOR KNOWINGLY ABETTING A FURNISHER IN EXTORTIONATE ACTIVITY AND FOR FDCPA,2009 CREDIT CARD ACT AND FINALLY THE FCRA OF WHICH WAS WRITTEN FOR THEM.. 
A JURY PUNITIVE AWARD IN THIS CASE COULD BE SIGNIFICANT! 
ENJOY THE CLEAR AND CONVINCING EVIDENCE AND DO WHATEVER YOU WANT WITH IT.The federal reseve investigator is finding more to hang you with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a vehicle loan with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan full, with a XXXX dollar balance, thus closing the loan. The XXXX XXXX XXXX account remained opened and showing a balance due, so I filed a dispute with XXXX, Equifax and XXXX. I also filed a credit reporting dispute directly with XXXX XXXX XXXX to indicate that they were not reporting my account as paid in full with a XXXX balance. On XX/XX/XXXX, XXXX XXXX XXXX deliberately reported inaccurate and false information to the three major credit bureaus, in which they indicated that the account was still open and had a balance of more than {$7000.00}. I received a paid in full and lien release letter dated XX/XX/XXXX, from XXXX XXXX XXXX, in which they state that the account is paid in full, has a XXXX dollar balance and that they have released the lien on the vehicle. At the same time, they were still reporting false and inaccurate information about my loan account to XXXX, Equifax and XXXX, despite their letter to me and despite the fact that my loan account had been paid in full as of XX/XX/XXXX. After trying to resolve this several times directly through XXXX XXXX XXXX and through the credit bureaus, I got no where, and my credit report contains deliberately inaccurate information about my XXXX XXXX XXXX account. XXXX XXXX XXXX is knowingly supplying the credit reporting agencies with inaccurate and false information. My loan account is closed and paid in full with a XXXX dollar balance, and it should be immediately reported to the credit reporting agencies as such.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an error on my credit report that I believe violates the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed an inaccurate late payment entry that has negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A COURT ORDER TO REMOVE A CHAPTER XXXX FILING CASE NOXXXX THE XXXX XXXX XXXX ORDERED A NOTICE OF WITHDRAWAL FORTHWITH FROM ALL PUBLIC RECORDS. THE THREE MAJOR CREDIT REPORTING BUREAUS HAVE NOT REMOVED THIS PUBLIC RECORD EVEN AFTER THIS HAS BEEN ORDER BY THE FEDERAL BANKRUPTCY COURT CENTRAL DISTRICT.ALL 3 MAJOR BUREAUS GO THRU THIRD PARTY VENDORS AND ACCORDING TO THE FCRA ANY THIRD PARTY VENTOR VERIFYING A CONSUMERS PERSONAL INFORMATION MUST BE IDENTIFIED .AND NONE OF THE BUREAUS FOLLOW THE GUIDE LINES SET BY THE FCRA.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have been compromised.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have analyzed my credit report and I have discovered fraudulent acocunts reported on it, XXXX XXXX TIRE with the account number XXXX opened on XX/XX/XXXX, XXXX  with the account number XXXX opened on XX/XX/XXXX, XXXX CARD with the account number XXXX opened on XX/XX/XXXX, XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX with the account number XXXX opened on XX/XX/XXXX, fraudulent hard inquiry XXXX XX/XX/XXXX and fraudulent addresses XXXX XXXX XXXX XXXX, XXXX, OR XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report is showing a XXXX XXXX XXXX with an outstanding balance of {$6400.00} whereas the loan is paid off with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Last month I checked my statement it said the amount due was {$700.00}. I made a payment and then the next day I logged in and the amount was different from the statement. I made a payment but it said I still had a balance of {$150.00}. This company has been an absolute nightmare to deal with. Constantly adding fees with no explanation. I am a XXXX veteran who is currently out of work on leave without pay because my XXXX  for which I am rated XXXX % XXXX has been aggravatwd and I am in XXXX. These fees are getting ridiculous. I dont know why they keep adding them but at this time I can not afford to be throwing money away to unknown fees. I have tried to change the address on my account numerous times and they still have my old address which cause issues with payment because they put the payments through with the old address causing the payment to be returned resulting in additional fees.
Product: Checking or savings account

I opened this account on XX/XX/2018 and i was promised that if I made a deposit of XXXX $ I would get a XXXX $ bonus. I fulfilled every term and condition listed ( I have never had an account with them before ect. ). I called them to ask why I had not received my bonus 3 times! Every time I was told we will look into it and nothing was done!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to Green Tree which is now DiTech. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, DiTech keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know Green Tree/DiTech had a case against them due to this very issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

What is Section 623 of the FCRA?

Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Data management errors such as information that appears again as incorrect when it was previously corrected. 

The above reasons state the crippling error that all credit companies have displayed and not rectified except for XXXX who realizes that it is a data error and with that the other two remain in violation of the FCRA and should be put notice. BMW made a grave error and seems to not be willing to rectify it..
Product: Debt collection

I was sued by Zakheim Law Group allegedly representing XXXX XXXX on a credit card debt XX/XX/XXXX- case # XXXX XXXX XXXX XXXX XXXX . I answered ( pro-se ) alleging they had no standing as they did not appear to have been actually authorized by XXXX to represent them. Subsequently they filed an affidavit ( 149 pages ) containing my complete account records for over 2 years including the unredacted account # s and ID of various medical and other accounts. After losing my case and my counterclaim I was told by the Court that I could file to have this data redacted. This was not the case as I do not qualify for that and I am not permitted to have this filing made private as that is something only the plaintiff is allowed to do. I had notified Zakheim on XX/XX/XXXX in  my answer that I am a widow on a fixed income from SS and a small pension and exempt from any possible garnishment or attachment as I have no assailable assets. Zakheim proceeded to obtain some sort of authorization in XX/XX/XXXX to actually represent XXXX and proceeded to obtain and record a judgment against me, as well as proceeding to file judgments in several other cases that were in the same Court that were still open and had no activity for 3-6 Months prior. It is my contention that Zakheim had used the Court as a collection agent in many cases without actually at the time of filing being authorized to do so. In addition the publication of my account records including the names and account # s of various medical payees is a violation of my privacy rights under HIPAA.
Product: Credit card or prepaid card

I have tried numerous times to open XXXX 's account. I had been a cardholder since XXXX but this year XXXX I discovered my card was closed by Khol 's. I was sent correspondence requesting verification of my home address, utility bill, social security number etc. I was unsuccessful on a email address that was given to me by Kohl 's account services. I called again and again and was told to re applying. Today XX/XX/XXXX I called customer service Khol 's and was told I was denied opening credit card because I receive a fixed income of social security. I have worked 44 years of my life and decided I have a greater income collecting social security than working at my past employment with XXXX. This seems odd and discriminating to me about Khol 's I made less income several years ago and I was given a credit card. I have a steady income guaranteed social security fair amount to live and I am denied.
Product: Credit reporting or other personal consumer reports

I have disputed the information from XXXX XXXX XXXX with TransUnion, XXXX and XXXX several times. The credit reports are updated with inaccurate information in which TransUnion, XXXX and XXXX has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with TransUnion was this year XXXX. Started disputing with XXXX in XXXX and they are also reporting transaction history in which the law states is illegal. XXXX they just notated the report saying, " Consumer disputes after resolution. '' I have sent XXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any XXXX party. TransUnion XXXX and XXXX are all XXXX parties. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated. It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with XXXX TransUnion and XXXX about the information on the reports they have opted not resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX I sent a letter to Transunion requesting an investigation into the derogatory items on my personal credit report. On XX/XX/XXXX I received a letter from Transunion dated XX/XX/2022 stating they did not believe the letter was from me and came from a third party!! They are not investigating. How dare they assume that I am unable to look up this information to assist me in writing a proper letter! Also if I was working with someone else for assistance how is that their business?? This is ridiculous and insulting.