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

XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear TransUnion Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am having issues with getting a breakdown of fees from BMW. The amount inwhich they are reporting to the credit bureaus is inaccurate. I requested a breakdown of fees twice. What they sent was the same exact letter with only a different date. I want to see the breakdown not the total. This leads me to believe they do not have the information. If that is the case then they truly can not validate what they are reporting! I WANT A TRUE VALIDATE OF WHAT THEY INDICATE I OWE
Product: Student loan

On XX/XX/24 I contacted Mohela to check on the status for a refund request I made with XXXX ( my original lender ) in XXXX and another request I made with mohela in XXXX. The representative I spoke with informed me that the XXXX department claims I did not make any payments during the COVID payment pause. They wont let me speak with this department. I offered to provide documentation in the form of bank statements with the transactions of payments totaling {$77000.00}. He then offered to transfer me to the resolutions department. After being transferred, they disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I SENT A LETTER REGARDING INACCURATE INFORMATION ON MY CREDIT REPORT TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE, I FEEL LIKE I AM BEING TAKING ADVANTAGE OF AND BEING IGNORE OF MY DISPUTES. SECTION 611 ( a ) IT PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITH IN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT, IT HAS BEEN OVER 60 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 HAVE CAUSE ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Product: Debt collection

I'm a victim of " Predatory Lending '' with Credit Acceptance. 

Credit Acceptance is under a Federal Class Action law suit ( Case XXXX ) with there investors as they keeping accounts " OPEN '' that are really should " CLOSED '' like mines to inflate stock position and deceiving investors ... In addition, to illegal DEBT COLLECTION practices and placing customers in loans they knew that could not be repaid and charge " usurious '' interest rates that violated state laws. All this information is displayed in attached documentation ( if not to large to add ). 

Originally Credit Acceptance was requesting to {$3500.00} to settle this account and now XXXX XXXX XXXX which is representing Credit Acceptance is requesting ~ {$13000.00} to settle this account. 

I'm requested this account be removed from credit report as they have violated Fair Credit Act & Fair Debt Collections Practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, As of todays date, XX/XX/XXXX, I pulled my Experian credit report - it shows a 60 day late payment on XX/XX/XXXX from XXXX  XXXX. 

I have a letter from XXXX XXXX to *remove* this 60 day late payment from my credit report. 

To this complaint I will attached : - drivers license - social security card - address - screen shot where 60 day late payment shows on credit report from XXXX  XXXX - my written complaint - letter from XXXX  XXXX Please have this removed as soon as possible as I am buying a house and this is damaging my credit.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX i presume that no proof of the alleged dept, nor therefore any such dept, in fact therefor exist
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that have been unlawfully reported on my credit file. I have been notified of multiple data breaches and have confirmed that I am a victim of identity theft. These accounts have been disputed multiple times, contain several incongruencies and inaccuracies and I have never authorized their creation or reporting. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have been flagged as fraudulent and included in a formal FTC Identity Theft Report, which is attached along with supporting documentation. I have requested deletion of these accounts multiple times. 

Additionally, these accounts contain gross inaccuracies and are in various states of incompleteness across all three major credit reporting agencies. Worst of all seems to be the suspicious alterations to the " date of last activity '' and payment history. These inaccuracies appear to artificially extend the reporting period for these accounts.
Product: Debt collection

Date open : XX/XX/2019 Amount/balance : {$6100.00} Serious past due date/assigned to attorney, collections agency.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Names
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX checked my personal credit without my given consent On XX/XX/2021 XXXX XXXX XXXX checked my personal credit without my given consent
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS CONTINUING TO REPORT FALSE INFORMATION ON MY CREDIT REPORT. I ONLY HAVE ONE ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. ANY OTHER ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS. ANY OTHER ADDRESS IS INCORRECT AND NEED TO BE DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint for timeshare company XXXX. We spoke with one of their employees who claimed to not work on commission. Unfortunately I can't remember the name. They told us that we're actually making a good financial investment since we will be getting rental income - that is if we enroll in another program which we'll also have to pay for. We were lured into this when they also promised that we'll never have to pay maintenance fees again. They said the resale value would go up & it have some tax benefits similar to owning a 2nd home. Another predatory sales tactics they've used on us is telling us that is we went to quarterly " meetings '' and/or had friends/family members go to introduction meetings, it would actually take money off our maintenance fees. They also made it sound like we were given the privelege of having this special offer because they needed get a higher approval to give us the price offered. We were pressured & rushed saying it's our last chance to upgrade at the lowest price. They didn't even let us read the contract. We were defrauded by this timeshare company, they promised us things would positively different each time things got worse. We're really regretful of the decision in getting into this that obviously just gave us difficulties. This fraudulent account is being reported in my credit records and is hurting my financial stability.
Product: Debt collection

a woman by the name of XXXX XXXX was the loan officer in charge of my loans at the XXXX XXXX of XXXX  XXXX county. she forced me to sign off on documents that I had no idea what they were for. I was asked to forge my moms signature and take out an extra {$20000.00} in loans which are now in collections in my name on my credit. we later found out that this woman was fired from XXXX after more fraudulent behavior..I don't believe this loan should be my responsibility anymore because this woman had me sign papers FORGING my mothers signature as well as the fact that my school has gone bankrupt and is completely GONE now.
Product: Debt collection

I am writing to bring to your attention a concerning matter regarding my personal information. I recently discovered that my personal data has been exposed in a data breach, and as a result, there are unauthorized accounts on my credit report. 

The accounts are from XXXX XXXX for {$650.00}, XXXX for XXXX and I C SYSTEMS for {$760.00}. 


Upon reviewing my credit report, I noticed several accounts that I did not authorize or open. I am deeply concerned about the potential impact this may have on my credit score and financial well-being. 


Sincerely, XXXX XXXX
Product: Debt collection

I did not contact this debt collector previously because I first discovered this debt on my credit report. They did not send me any notification or letter asking if I disputed the debtthere was no communication at all. They simply reported it on my credit report. I currently have an account with XXXX XXXX opened in XX/XX/XXXX, which is paid current each month. The agency listed as having reported the debt is Aargon Agency according to my XXXX report. 

I could not have opened this account because, between XX/XX/XXXX and XX/XX/XXXX, I was verifiably living in a hotel. I only opened my current XXXX  XXXX account after moving into my apartment in XX/XX/XXXX. I should have been given the opportunity to dispute this debt before it was reported.
Product: Debt collection

Subject : Notice of Violation of Rights under FDCPA Dear DNF Associates, I am unaware of this debt. I did not have an opportunity to dispute this information. 
Per my records, your agency has violated my federal rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ). According to the FDCPA, debt collectors are required to provide a validation notice to the consumer within five days of the initial communication regarding the collection of any debt.

If in fact you believe you gave me proper notification, then please send me the certified receipt with my name on it. Otherwise, I request that this account be immediately removed from my credit profile.
Product: Debt collection

They are charging me for something that I do not owe. I dont know why they are charging me for medical bill
Product: Credit reporting 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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Submitting this complaint on behalf of my father who is presently residing in a XXXX home..I 've sent a cease and desist later to LTD financial services pertaining to a debt my father owes ... I 've also explained to them that my father in no way shape or form can pay any debt do to his present condition and to please quit sending collections letter pertaining to this ... today ... XXXX/XXXX/2016 ... received another letter claiming to collect on this debt.. he is on a XXXX home due to suffering a XXXX several months ago and has no funds except receiving ssi ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a letter to all 3 major credit bureaus ; XXXX, XXXX, and Experian. I sent the letters Certified Mail with tracking # XXXX XXXX, XXXX, and XXXX to dispute a bankruptcy being reported on my credit report as Bankruptcy, XXXX XXXX - XXXX, with filing # XXXX filed on XX/XX/XXXX. All 3 bureaus returned letters stating that they did an investigation and verified the bankruptcy as accurate and complete. They cited XXXX and XXXX XXXX XXXX as the companies that verified the information. 

On XX/XX/XXXX I also sent a letter to the US Bankruptcy Court Oklahoma XXXX Division. I sent this letter Certified Mail with tracking # XXXX. I asked the clerk of court if they report bankruptcy information to the credit bureaus. They sent me a letter stating that they do not report or verify any information to the credit bureaus or any 3rd party reporting agencies. 

On XX/XX/XXXX I sent letters to XXXX and XXXX XXXX XXXX via Certified Mail with tracking numbers XXXX and XXXX. I sent these letters to dispute the same bankruptcy XXXX XXXX  and request an investigation. Both companies sent letters to me stating that they conducted an investigation and verified the bankruptcy as complete and accurate. They both cited XXXX as the company who verified the information for them. 

On XX/XX/XXXX I also sent an email to XXXX to find out if they report information to the credit bureaus or 3rd party reporting agencies. They replied with an email stating that they do not report or verify any information to any of the credit bureaus or 3rd party reporting agencies. They also state on their website that they do not guarantee the accuracy of the information on their website and any inaccurate information should be handled with the US Courts. But as I stated earlier, the US Courts do not verify information. 

On XX/XX/XXXX I sent letters again to XXXX and XXXX XXXX XXXX via Certified Mail with tracking numbers XXXX and XXXX. I informed them both that the US Bankruptcy Court and XXXX both stated that they do not report or verify information. I provided copies of the letter and the email as well. They both replied again with the information being verified as complete and accurate and refused to remove this from my file. 

If this is the case, how did the credit bureaus verify this information and bankruptcy to be 100 % accurate? They could not have possibly completed a fair investigation according to 15 USC 1681.

The Credit Bureaus violated my rights several times under 15 USC 1681 : 15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX 15 USC 1681 section 602 : states I have the right to privacy. 
15 USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  { acct XXXX } XXXX XXXX XXXX ( acct XXXX ) XXXX casually ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX  XXXX ( acct XXXX ) XXXX XXXX XXXX ( acct XXXX )
Product: Credit card

My elderly father opened a checking account with Wachovia ( Turned Wells Fargo ) sometimes around XX/XX/XXXX when my dad and I were living in North Carolina. He added me as a power of attorney on his account. XX/XX/XXXX, we moved to Florida, by then, Wachovia became Wells Fargo. Eventually, the bank offered my father a credit card which he added a COPY of the card to my name to help him with his transactions. 
After my father passed around three years ago, I notified Wells Fargo, they stiffed me with the entire balance. It was my father ' card, not mine, but they insisted that it 's my responsibility. I have done my research and found out that I 'm not legally responsible, but Wells Fargo would hear none of it. It has damaged my credit so bad, it has been a total nightmare. 
At one point, I could n't even get a loan to get a car, I was taking a taxi to take my kids to school which drained the family financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX and XXXX credit reports I have had 4 hard inquiries from two different companies. Both companies inquired on XX/XX/2023 and again on XX/XX/2023 these were not requested by myself. The listed phone number for FEBDESTINY has been disconnected, and the number for CB INDIGO only asks that i input my SSN # The hard inquiries were from the following companies/individuals. 

FEBDESTINY Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual CB INDIGO Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Please let me know what the next step is or the outcome because these have been substantially lowering my credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX XXXX  gave a potential creditor information that adversely affected my ability to obtain credit. The reason stated on the letter from the lender specifically noted " distance between address and area code of phone number '' to name one. I made a call to the agency, got a recording, left a message, received an automated call back to go to the web site and follow the instruction and mail in my request. The information they are requiring me to send is the very information we are advised never to send anyone. A copy of my DL, a copy of my SS card, DOB along with general address, phone etc. Then they further add they need a copy of one of  these : utility bill, lease agreement, bank statement, voided check or mortgage document. Anyone could have a field day with that information, how ridiculous. 

This it totally unacceptable, I wouldn't send that information to anyone via mail or internet. I want the information they supplied the creditor, it is apparently inadequate, erroneous and certainly outdated. 

I also wanted to freeze my report as I have with other companies, but in order to do so you need to send the aforementioned information. 

This company is giving information that affects peoples, they need to be sure their information is accurate and customer oriented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries on my credit report. They do not belong to me & this I a violation of my rights. 

XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

As a XXXX XXXX XXXX in California who works as a XXXX XXXX, I applied for the Paycheck Protection Program through Chase Bank as soon as Chase had the application available. 

First, there was not one word for over two weeks, then the funds ran out. 

After Congress initiated more funds, Chase said I needed to reapply with more information, which I did. I have my own income and pay 5 independent contractors monthly. I re-submitted all 1099 's, my Schedule C, bank statements, and an income statement. 

They came back and rejected my loan application because they said they couldn't determine my payroll. All of it was right there, well documented in black and white. I am being discriminated against because my loan amount was minimal ( {$30000.00} ). I applied through another institution, but a couple of weeks later and the docs went through fine, but this was two weeks down the road. Chase chose to NOT process my application and sent it through to the SBA for funding. 

I hold Chase responsible if I do not get a fair chance at the PPP funds.