23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, a deposit was made into my checking account in the amount of {$9600.00} and was shown to be available. I started drawing from those funds to pay various creditors, expenses, etc. At some point during the following week, someone at TCF National Bank decided to place a hold on that deposit, without any warning or advance notice to me. When I contacted the customer service department, I was told I had to contact the depositor, again, the reason was not made clear to me. 
In the meantime, my account has been in a negative balance of over {$10000.00} and consequently I am unable to use my debit card. The bank has charged me overdraft fees, and has yet to give me an adequate explanation of their decision. 
I am requesting the funds be taken off hold, and my account restored to normal. Then I will be able to close my accounts with this bank and go to another bank. Any help you can provide in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing XXXX XXXX XXXXXXXX XXXX  reporting to my credit, as they are neither licensed nor bonded in Virginia, where I reside. Under state regulations, this authorization is required for any debt collection activity. Given this non-compliance, I request the removal of their report from my credit file.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX 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

I am filing a complaint against TransUnion, XXXX, and XXXX for failing to correct inaccuracies on my credit report, despite my repeated attempts to dispute the information. The incorrect details remain on my report, which continues to negatively impact my credit profile. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) as follows : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The credit bureaus are reporting outdated information that should have been excluded after the legally mandated time period. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) They failed to conduct a reasonable investigation into the disputed information and have not provided sufficient evidence to validate the reported data. 

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have not ensured the accuracy of the information on my credit report, as inaccuracies remain despite my dispute efforts. 

I urge the CFPB to investigate these violations and take appropriate action to ensure the credit bureaus comply with the FCRA and rectify the ongoing errors on my report.
Product: Credit reporting or other personal consumer reports

XXXX & XXXX XXXX are both violating my consumer rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights and I demand this account be deleted from my TransUnion, XXXX and XXXX and XXXX credit reports and also { {$1500.00} } in damages for the pain and suffering and the credit violations.it has caused me XXXX XXXX and a lot of pain and suffering because I'm not able to get an auto loan deletion XXXX account # XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2018 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF ED / 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: Credit reporting

Trans Union refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Trans Union, but Trans Union refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.
Product: Debt collection

Tempoe LLC has reported to Credit Bureaus that I owe a debt but I've never done any business with this company and I have no knowledge of this debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit card

I did a promotional purchase in XXXX for {$1900.00} 0 % interest for XXXX  months. Account was set to pay statement balance so it paid the entire amount. Synchrony bank refunded my money but did not put it back onto the promotion account. But under the normal interest so i have been collecting interest on it ever since. Ive contacted them XXXX  times and each time they say theyve fixed it but im still being charged interest
Product: Credit reporting or other personal consumer reports

I am writing to address significant violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) that have recently come to my attention. Consumer Reporting Agencies ( CRAs ) play a vital role in assessing consumer credit information. It is concerning that Big 3 CRAs rely on data from smaller agencies, like XXXX, for reports. Identity theft is a major concern. Reporting unauthorized accounts without consent is a serious breach of privacy. CRAs are legally liable for noncompliance under 15 U.S. Code 1681n, with potential penalties of {$1000.00} per violation. The unauthorized buying and selling of personal information poses a significant privacy issue. Compiling a report without consent amounts to identity theft. Privacy is a right, not a privilege, and I demand prompt removal of identified information. I followed the requirements of 15 U.S. Code 1681c-2 meticulously, but was not provided clear information about reporting, as mandated by the Gramm-Leach-Bliley Act. By invoking my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I seek a swift resolution. I insist on immediate removal of identified items within four days. Furthermore, proper notification for investigative consumer reports, under 15 U.S. Code 1681d, has been overlooked, a clear violation. I expect prompt attention and full compliance with the aforementioned provisions. Failure to do so may compel legal action. Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ XX/XX/year>2024 ], I sent a letter to Equifax notifying them of the reinsertion of XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for several days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Debt collection

XXXX XXXX XXXX XXXX. number XXXX XXXX XX/XX/year> They could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verifcation of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Debt collection

I recently learned that my personal information was used to open an account at your company BCA Financial. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.I have never heard from BCA Financial concerning a debt that they hold under my name. I have never done business with this company or had any obligation to pay them any funds. This account is a direct result of identity theft.
Product: Credit reporting

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores are way too low for my excellent credit history. It seems like the bureaus are getting kick backs from financial institutions to keep the consumer down to pay the very high interest rate loans.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED ITEMS ONLY TO COME BACK VERIFIED AND STILL I HAVE INFORMATION THAT DO NOT BELONG TO ME IS BEING FURNISHED, DISSIMINATED, SOLD, SHARED AND STORED WITH OUT MY CONSENT BY EXPERIAN, XXXX XXXX AND XXXX IN MY DATA, I HAVE STATED UNDER FCRA MY RIGHTS TO PRIVACY HAS BEEN VIOLATED AND THE SAME ISSUE NOW PREVENTING ME FROM OBTAINING A MORTGAGE DUE TO THESE ACCURATE REPORTING.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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

These reported late payments are not reflective of my typical payment history.
Product: Debt collection

XXXX claims I owe them money, I do not, They refuse to provide proof of this debt, The XXXX representatives ( XXXX XXXX ) have lied to the Arkansas Attorney General, and the XXXX, ( I have this well documented ) and still harass me by employing collection agencies to act as their agent to continue this harassment, The latest agent being GC services.
Product: Debt collection

On XX/XX/2021 @ XXXX XXXX  ( PST ) I the natural person/consumer spoke with a customer service representative who identified herself as an employee representing the entity operating as a debt collector that goes by the name " XXXX XXXX XXXX dba XXXX '' I demanded on this date that this company cease all communication in regards to this alleged debt UNTIL the company was able to provide me with legal notarized validation of this alleged debt. The representative agreed and the call was ended. Please note that these calls are " monitored and recorded. '' I have attached a screenshot of my call log from my XXXX from the date XX/XX/2021 that shows one of this companies MANY phone numbers they use to harass me, along with a screenshot of the excessive amount of harrassing and offensive voicemails left by " XXXX '' and lastly I have attached a screenshot of the email that was sent to me today XX/XX/2021 @ XXXX ( PST ) exactly two days after I declared a cease in communication in regards to this alleged debt. Please note that at the bottom of this email screenshot the company has written " This is an attempt to collect a debt by the original creditor, and any information obtained could be used for that purpose '' which is a clear violation of federal laws under USC title 15 chapter 41, subchapter 5 " Fair Debt Collections Practices Act. '' The purpose of this act is found under 1692. Congressional findings and declaration of purpose ( a ), ( d ), ( e ) Below I have referenced 24 federal violations brought forth onto me who is in fact, the Natural person/ consumer and the original creditor.

1692b. Acquisition of location information ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ) 1692c. Communication in connection with debt collection ( a ), ( 1 ), ( 3 ) 1692d. Harassment or abuse ( 2 ), ( 5 ), ( 6 ) 1692e. False or misleading representation ( 8 ), ( 10 ) 1692f. Unfair practices ( 1 ) 1692g. Validation of debts ( a ), ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ), ( b ), ( c ) 1692h. Multiple debts ( any payments made to this alleged debt, I am demanding to be returned back to me the natural person, consumer who is the original creditor ) 1692j. Furnishing certain deceptive forms ( a ), ( b )
Product: Credit reporting or other personal consumer reports

I recently check my credit and notice that there are a few fraudulent accounts and inwuires on my credit file. I contacted the credit bureus on XX/XX/2023 with my concerns regarding these fraudulent accounts and they told me i need to get an FTC report and i did send it via certified mail and i still have not yet receive anything.
Product: Vehicle loan or lease

Nissan-Infiniti excessively charged me when lease was up. I had two offers to sell the car before lease ended and they made it hard for anyone to buy the car. The car was valued at more that what was owed at end of lease. I tried turning in the car several times after they made it hard to sell, but ran into several road blocks. They had placed a code on the account to were I could not turn the car in or sell it to a dealership. They reported me with late payments that are incorrect. They charged me {$10000.00} at the end of lease and reporting the erroneous amount to the credit bureaus.
Product: Credit card or prepaid card

In XXXX XXXX 2021 XXXX, I was a victim of fraud and someone purchased {$4500.00} worth of gift cards and other ridiculous items and I contacted my bank immediately to notify them of fraud. 
Chase Fraud Department stated they would fix these issues and at the time they reversed the charges. Three months later, in XXXX the fraud department added {$1300.00} of those charges back to my card and stated that I benefited XXXX which no on benefits from fraud ). I provided them an email from XXXX and XXXX stating these charges were cancelled and refunded and these were fraud charges. 
The Chase Fraud Department is still trying to make me pay for these transactions even though I provided them with the information from both Merchants stating this was fraud and were unauthorized charges.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have a Fruad account on my credit report and three inquiries. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX {$56000.00} Inquiries XXXX. XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, my credit report was provided by the credit reporting bureaus : Experian, XXXX, and XXXX without my consent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX As a result my credit file erroneously reflects hard inquiries at all three credit bureaus. identification theft is suspected ; however,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.