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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these 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 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 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, credit repair services, or other personal consumer reports

I have a monthly account with XXXX  as I have been preparing for a mortgage for this year. I pay to have all 3 pulled together monthly on the XX/XX/XXXX so I can also see my Fico 8 score and my mortgage score and get it to where its needed to secure a mortgage. I had recently pulled it manually on XX/XX/XXXX because I had paid things off and wanted to see where I stood and I wasnt able to get the report from Equifax but had no problem with a new report through the other 2 bureaus.

I also tried directly on the Equifax site and havent been able to obtain one since  XX/XX/XXXX. I immediately called Equifax and was told I had to verify my identity and send them a copy of my s.s. card, license and utility bills. I immediately faxed that on XX/XX/XXXX. I called them a few days later they confirmed all the information and verified that it was good and continued on to ask some more identification questions to pass. Once that was done she said all was good and she would process everything. When she did that she said an error was coming up and that it needed to be escalated to consumer affairs but unfortunately they werent open at that time. I spent more time during the week calling having to verify information again with questions, having calls drop regularly and their phone systems not working properly. Finally on Saturday the XX/XX/XXXX after many dropped calls and hours on phone I was sent to consumer affairs. They said it was just a matter of updating names because of the capitalization and lowercase and uppercase. That was there reasoning for my mismatch error I was getting through XXXX, so they say. During the updating he suggested I go directly through equifax too and purchase their product so I agreed but they had problems with that and said they would put a ticket in and figure it out but that wouldnt affect my credit being pulled anywhere. They assured me I would not have any problems with my report being pulled. Well today XXXX could not automatically pull my 3B credit score and report with equifax because of mismatch information. They said they fixed it and I spent hours on the phone and am at my wits end. If I call back I will go through all the verification again if Im lucky Ill get to the consumer affairs. They didnt seem to really know how to deal with this. I have a mortgage application that I will need to pull to begin my process come end of XX/XX/XXXX and this right now does not help and Im not sure where I completely stand without those scores included. Im reading horror stories of many others having their mortgages held up because of this. I find that this happening in our country to be unacceptable to not be able to pull our own credit report and feeling held hostage by one company. I would very much like this resolved. 
Any help going forward would be appreciated. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her privacy. 

XXXX is guilty of the infringement upon my consumer rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ).

Under 15 USC 1681b ( a ) ( 2 ) XXXX did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report. 

Therefore, I will be including XXXX and XXXX during litigation for wrongful collection attempts.
Product: Credit reporting or other personal consumer reports

It's been over 30 days and these accounts are still showing inaccurate balances which is stopping opportunities for real estate deals. I've attached the correct balances for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update these balances as soon as possible so I can close on a property for a great rate. Thanks.
Product: Vehicle loan or lease

On XX/XX/2020 XXXX  XXXX XXXX, delivered a check for {$610.00} to BMO Harris Bank for my car payment loan account. I had automatic monthly payments set up from my bank to BMO but kept getting late payment notices and after some research discovered one of the checks my bank sent was not applied to my account.

After numerous calls to BMO and my bank BOA, I obtained a copy of the check which clearly shows BMO cleared the payment at their bank on XX/XX/2020. I have spoken to least 18 different people, ( but could never speak to a manager ), and several at my bank. I was told by BMO 's agents, " the {$610.00} was sent back to my account where it came from '' ( its impossible, they don't have my banking information to make a deposit into my account ), I was told " a check was in the mail '', when I asked why are they sending a payment back I'm trying to make on my account, I was told " I'm just giving you the message I received from a manager '' ; I was told to " wait until they investigate where the money was credited at BMO 's bank ''. Its been 7 months and after more calls to BMO Bank, this issue still has not been resolved.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is not doing their job as a credit reporting agency according to the laws outlined in the XXXX. Ive sent several notices and Ive recently sent an XXXX  via certified mail giving notice of all the violations being made by TRANSUNION! They dont have permissible purpose to use any of my information and furthermore they are reporting inaccurately.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Debt collection

Santander consumer USA auto loan Date opened XXXX XXXX balance shows XXXX Reporting this collection as open/closed on my credit report and its been past 7 years collection should have been removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  - XXXX - XXXX XXXX XXXX   XXXX - XXXX XXXX XXXX XXXX XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX   - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX - Through The Country Do - XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

In XX/XX/XXXX I went to my local emergency room for care. I was sent via ambulance to XXXX, AZ for an XXXX. Since XXXX I have submitted my bill to the XXXX XXXX XXXX at the local XXXX XXXX XXXX for payment. This bill has yet to be paid. In XX/XX/XXXX I received a bill from XXXX XXXX XXXX XXXX XXXX XXXX for {$2200.00}. In XX/XX/XXXX I received a higher amount bill of {$2700.00} from a different creditor- Ability Recovery Services LLC . I requested for an explanation as to why the bill increased since the original amount was {$2200.00}. I disputed the amount. I never have received any written explanation from them. 
Similarly, in XX/XX/XXXX I received another bill for {$2700.00} from XXXX XXXX XXXX. Again, I requested for a written explanation and disputed the amount as well. Thus far I have yet to receive any explanation from either company even though they claim that no interest has been included on their billing statements.
Product: Debt collection

I have reached out to this hospital in regards to an amount that was waived due to them giving me false information that my medical at the time with XXXX XXXX XXXX was accepted and considered in network. I sent multiple papers to to XXXX XXXX in XXXX from XXXX XXXX XXXX that waived over {$770.00} from the total {$1500.00} amount. XXXXXXXX XXXX  for some reason does not understand the fees waived and keeps sending me invoices. I do not owe a total of {$1500.00}. Hope to hear from you guys soon, thank you for the help. I have attached a picture as well stating form XXXX  I do not owe {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not even know about this card until i got a bill in the mail. Then i did some research. It appears someone somewhere has a credit card in my name. This account was closed on XX/XX/XXXX with a {$0.00} balance. Then it was reported {$950.00} due on XX/XX/XXXX. So who had this card if i never knew about it?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I mailed a letter to Experian disputing information on my credit report. They received the letter and responded by sending me an email stating that they did not believe the letter came from me. I gave them a call the same day to let them know that i did indeed send the letter and that they needed to continue with the dispute process. The agent i spoke with then told me that they could not and i would have to file a dispute online or via phone for them to continue processing any disputes. I explained to them that they were violating my consumer rights and i did not want to process disputes online or via phone because that waives certain rights that I would only have from putting disputes into writing and mailing them. I asked to speak to a supervisor. I was told one would give me a call back within 24-72 hours. Here we are a week later and i have not heard from any supervisor. The same day of the phone call disputes were open only on 3 accounts. The letter i mailed in disputed 7 incorrect accounts. They chose 3 accounts to 'reinvestigate ' left the file open for a week and closed the disputes. I did not get proper investigation for any of the accounts that i disputed in my letter.
Product: Credit card

American Express XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX RE : Acct XXXX Complaint I called the business on XX/XX/year> to let them know I need them to refund my credit balance of {$12.00} sitting on this paid off account. I spoke to a man named XXXX who refused to mail my refund to my home address of record in the form of a check. I told them that I was going to file a Formal Complaint if they are refusing to refund money that I don't owe. I filed my complaint with the Better Business Bureau where there were several other complaints filed on this business ; Better Business Bureau Customer Complaints ; XXXX complaints closed in the last XXXX  years XXXX complaints closed int he last XXXX  months
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS!! from identity theft!!!!! 

XXXX. XXXX  XXXX account number XXXX XXXX - XXXX XXXX XXXX. XXXX  XXXX Account XXXX XXXX XXXX. DEPT OF EDXXXX Account number XXXX, Loan ( XXXX ) XXXX. DEPT OF ED/XXXX Account number XXXX, Loan ( XXXX ) I TALKED WITH THE DEPT OF ED/XXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE NAMED XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO ED/XXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. 

REGARDING XXXX  XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXX  XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX. XXXX XXXX HAS ALREADY DELETED AND REMOVED THESE ACCOUNTS!!!!! THESE ACCOUNTS SHOULD NOT BE REPORTING TO MY CREDIT REPORT!!!!! IDENTITTY THEFT!!! BLOCK AND REMOVE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted multiple disputes to the 3 credit bureaus as well as Capital One and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....
Product: Vehicle loan or lease

In XXXX of XXXX  my vehicle was totaled in an accident with XXXX as the auto insurance and PNC bank being the loan holder. 

In an attempt to pay off the loan XXXX sent a check to PNC ( see check scans for {$19000.00} ). PNC released the title to XXXX ( see link to car auction ) and marked the account as paid. 

A duplicate loan was created somehow, and my original loan was closed. This all happened without my knowledge. When XXXX attempted to send the corrected amount, it was rejected because they were stating that the account had been paid in full. 

This was a banking error. As of the end of XXXX I finally was able to get my insurance company to send yet another check. I believe this account is finally going to be closed. 

I have had to pay {$400.00} in interest and {$1600.00} in rent/deposit coverage due to my credit report being negative. I am unable to get any loans or open up any new accounts due to this error. 

PNC bank has stated they have done nothing wrong and can not help me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX