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

In accordance with the fair credit reporting act XX/XX/XXXX account # XXXX has violated my right 15 UCS 1681 Section 602 States i have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert on my XXXX XXXX report that on XX/XX/XXXX that was reported that XXXX XXXX reported that Checksmart was opened on XX/XX/XXXX for {$1400.00} for collection on my XXXX Credit. I called Checksmart in XXXX, Oh and spoke to XXXX and imformed gave them information with my Social and he informed me that my account was not active and the last time my account was opened in XX/XX/XXXX. I don't have any cash advances. The XXXX XXXX contact is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX contact number XXXX XXXX. I think this a scam
Product: Credit reporting or other personal consumer reports

As an authorized agent for XXXX XXXX XXXX XXXX, I am concerned about the negative accounts showing on my XXXX  credit profile through your company with XXXX number XXXX. After thorough review, it has come to my attention that these accounts are not being accurately reported. I am requesting to dispute these accounts and have them removed from my profile. They have already been removed from XXXX 's and Experian business credit, and I kindly ask for your cooperation in updating your records to reflect my business credit report as paid and up to date. I urge you to remove all delinquent or collection accounts from my profile and I thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried several times to get to speak with XXXX as well as the credit companies ( XXXX, transunion and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that XXXX past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with this?
Product: Student loan

On XXXX XX/XX/year>, I submitted a request through the XXXX portal ( request id number XXXX ) to pay the department of education - Mohela for the sum of {$610.00}. The request was approved by XXXX the same day and has been pending acceptance of payment by Mohela for over 8 weeks. I have called Mohela numerous times to get an update on my payment request and the customer service representatives in the billing department have no knowledge of how to handle XXXX XXXX Awards. Upon my requests to speak with a Mohela representative who is in charge of receiving or handling XXXX XXXX XXXX payments, I was informed on numerous occasions that Mohela does not employ such an individual and does not have a department that I can be referred to to answer any questions regarding this matter. I have called XXXX twice and they have confirmed both times that the payment request has been submitted correctly and that XXXX is still waiting on a Mohela representative to accept the payment. Mohela is effectively preventing former XXXX members from using their XXXX awards to make timely federal student loan payments. My account is now delinquent because of their inaction.
Product: Credit reporting or other personal consumer reports

I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS IS A FCRA VIOLATION OF : 15 USC 1681B 15 USC 1681N 15 USC 1681Q 15 USC 1681E
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.
Product: Vehicle loan or lease

XX/XX/XXXX mailed letter to Exerter Finance. Spoke to XXXX Account manager. 
XX/XX/XXXX Spoke to Another Account manager XXXX. 
Spoke to Director of Accounts XXXX XX/XX/XXXX Director XXXX call XXXX expressing company denial of identity theft, or fraudulent assignment of contract. My signature, nor consent was given. This has deeply impacted my life. My private information and security and equity is being channeled through without recourse. This is unacceptable, your assistance is needed. 
LETTER to Company. 
XXXX call help associate XXXX Account Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Exeter Finance XXXX XXXX XXXX XXXX, TX Subject : Notice of Claim of Security Interest, Equity Due, Identity Theft, and Claim for Title and Account Fulfillment Attention Exeter Finance, This letter is to formally assert my claim of security interest due in course from contract XXXX. Equity within vehicle with the VIN # XXXX make XXXX XXXX and model XXXX XXXX XXXX XXXX. 
This claim is based on an application and security agreement dated XXXX XX/XX/XXXX which established my lien against the aforementioned vehicle. 
It has come to my attention that an unauthorized assignment of contract has taken place concerning the vehicle in question. This act constitutes an accessory to identity theft, as I did not provide consent for any transfer of rights or interests associated with my security agreement. 
I demand that this matter be rectified immediately, and the contract assignment be reversed. 
Furthermore, I am requesting an accurate calculation of the equity due on the vehicle, as well as the associated charges and fees that have accrued. Please provide me with a detailed breakdown of these figures within 7 days from the date of this letter. 
Additionally, I am asserting my claim for the title to the vehicle and requesting that all necessary steps be taken to transfer the title into my name in accordance with the terms of our security agreement. This transfer should be completed promptly to avoid any further legal complications. 
Finally, I expect full account fulfillment, including the return of any payments made on my part in excess of the equity due, once the calculations have been confirmed. 
I must emphasize the seriousness of the unauthorized contract assignment and identity theft implications. 
Failure to address these matters promptly will leave me with no choice but to pursue legal action to protect my rights and interests. 
Please respond to this letter in writing, by calling, by emailing within the stipulated timeframe mentioned above. You may contact me via email at XXXX or by phone at XXXX to provide updates on the resolution process. 
Thank you for your immediate attention to this matter. Spoke to account manager XXXX, and call help associate XXXX XXXX XX/XX/XXXX in coherence with letter shipped. XXXX XXXX XXXX XXXX XXXX Ga XXXX. Whom Exeter accepted assignment of contract from. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX director of account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I was notified by U.S. mail and email by XXXX XXXX XXXX XXXXXXXX XXXX XXXX that my personal information was compromised due to the data breach that occurred on XX/XX/2018. The following XXXX XXXX XXXX  XXXX XXXX XXXX Visa credit card account ending in : XXXX and XXXX is fraudulent, unauthorized, not mine and the is the result of the data breach from XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I never applied for the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I noticed a drop in my XXXX score from XXXX to XXXX. I investigated what caused the drop and discovered that Barclays had reported my account as delinquent at least twice over the last few months. I paid my Barclays card off months ago and have not since used it ; therefore, I do not have an autopay set up, nor do I check the account for charges since I know I am not using the card. 
Apparently, on XX/XX/2022, XXXX XXXX charged {$6.00} to an expired Barclays card on my file. The card was EXPIRED and therefore no charge should have been allowed. I was not aware it was still one of my payment methods with XXXX, as I would assume expired cards are dumped ( apparently not ). I do have 4 cards on file with XXXX that are not expired and any of them would have covered this charge. 
As I was not aware of the {$6.00} charge, and do not monitor the Barclays account because I do not use the card, I have now been charged over {$48.00} in delinquent fees and have been twice reported to the credit bureau, causing a XXXX point drop on my XXXX XXXX. 
It is my belief that Barclay intentionally allows small payments like this to be charged to an EXPIRED card with the purpose of collecting on the late fees charged to people like me, who think their card balance is zero and will cough up a few months of fees to avoid the hassle to resolve it. 
My complaint would be with both Barclays for allowing the charge, and with XXXX XXXX for charging an expired card when I had no less than 4 cards in good working order on file as payment methods. 
XXXX was kind enough to refund the {$6.00}, but they can do nothing about the sabotage done to my XXXX XXXX, or the {$48.00} Barclays charged me ( snickering all the time, I suspect ). 
I guess I'm just a sucker for being unaware of these shady business practices and I was made painfully aware by both companies today that the impact on me/ my XXXX XXXX means nothing to these behemoths.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY XXXX REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I suffered a theft of my debit card information. Transactions were made without my authorization and consent. I have notified Bank of America about the following transactions that have taken place. Bank of America originally denied my dispute and claims. Bank of America has not conducted a thorough investigation. They haven't reached out to me to investigate the matter. I have appealed their decision and have also filed a FTC report. This complaint will be faxed over to Bank of America along with the FTC Identity theft report. 

The claim number associated is claim # XXXX the transactions that fraudulently took place are the following. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

There is some kind of discrimination going on here. I 'm pre-approved, sign loan documents, then for some reason I 'm informed that I 'm denied.
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 : XXXXT Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that XXXX XXXX is making me pay for debts that are not mine. They sent it to the wrong address and acknowledged it over the phone as well. I am a victim of identity fraud, and they do not acknowledge this. I attached my identity fraud report below.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a formal complaint against TransUnion, XXXX of the XXXX major credit reporting agencies, for failing to comply with the dispute resolution timeline mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

On XX/XX/year>, I submitted a dispute to TransUnion regarding inaccuracies on my credit report. Specifically, I disputed several inaccuracies and unverifiable reports on my account. According to the FCRA, TransUnion is required to investigate disputes and either verify, correct, or delete the disputed information within 30 days of receipt of the dispute, per 15 U.S.C. 1681i ( a ) ( 1 ). 

Despite this legal requirement, TransUnion has failed to resolve my dispute within the required XXXX timeframe. This lack of compliance has caused unnecessary delays, stress, and potential harm to my financial standing, including : XXXX. The potential for lower credit scores due to inaccurate information. 
XXXX. Hindrance in my ability to secure credit or favorable terms on loans. 

I have made multiple attempts to follow up with TransUnion regarding this matter, including my last dispute letter sent on XX/XX/year>. To date, I have not received a resolution or any written communication extending the timeline due to additional information as allowed under 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). 

I believe TransUnions actions are a clear violation of consumer protection laws, specifically the FCRA, which guarantees my right to a timely resolution of disputes. 

I kindly request the CFPB to : XXXX. Investigate TransUnions practices regarding dispute resolution timelines. 
XXXX. Enforce corrective action to ensure TransUnion complies with the FCRA requirements. 
XXXX. Provide any necessary penalties or fines for their non-compliance. 
XXXX. Assist in ensuring that my dispute is resolved promptly, and all inaccurate information removed from my credit report. 

Thank you for your assistance in ensuring that credit reporting agencies adhere to the law and protect consumers rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

XXXX. Received a notice from Convergent Outsourcing regarding an amount owed to Florida Power and Light of {$760.00}. 
XXXX. XXXX XXXX called Convergent on XX/XX/2021 to explain that they had the wrong person ; that we have never had an account with Florida XXXXower and Light, and that they should be going after the right individual. 
XXXX. XXXX XXXX asked the representative for the social security number of the individual to see if it matched XXXX XXXX XXXX social. 
XXXX. The rep would not supply any of the numbers for confirmation and insisted we supply the social security number of XXXX XXXX. 
XXXX. XXXX XXXX would not supply since we did not know who we were talking to and what would happen to this information. 
XXXX. XXXX said the call was over since I would not supply the info SHE wanted. 
XXXX. So no resolution to the problem. 
XXXX. Tried to call Florida Power and Light, but met with frustration as they had no real person to speak to, even though this was obvious fraud.
Product: Credit card

There are multiple hard Inquiries on my account. I have sent a notice to all credit bureaus. I have reach out to all companies that should not have pulled my credit. 

List of Unauthorized Hard Inquiries : - Inquiry 1 : WFBNA Card, XX/XX/XXXXXXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ), TransUnion has failed to respond to the following issues on my credit report. The following items in question should be removed from my credit report. 

TransUnion XXXX ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine FXXXX XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit card

I receied a fraudulent text message stating : Charge of {$730.00} was attempted at XXXX Arizona on your BANK OF AMERICA. Not your, XXXX I called the number and an XXXXaccent stated it was XXXX with Bank of America XXXX He new the last four of my social, my joint account was with my wife and also where I was located. When I attempted to question this, I was hung up on. 

I called from a different line and asked again where they were located and he stated " Your mama 's house. '' and then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am saddened to report that Equifax, XXXX and XXXX are reporting fraudulent information on my credit reports. I did my very best to resolve this issue by submitting a FTC report to prove the accounts don't belong to me. However, they continue to blatantly disregard the affidavit. This act of inconsideration and disrespect is causing me extreme anguish and Im strongly considering seeking litigation. Please help me ASAP. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a formal complaint with CFPB in regards to KIA Motor Finance. They inaccurately reported that my account my past due and delinquent, causing my credit score to drop 81 points. As mentioned on XX/XX/2020, KIA was in violation of the Fair Credit Reporting Act. I spoke with them in excess of 20 different times and each agent continuously told me that my account was in good standing. 

I never received notification via email, phone or postal mail. 

On XX/XX/2020 Kia responded stating that they have sent updates to the 3 major credit reporting agencies. 

On XX/XX/2020 - XXXX  stated that KIA has reported to them that the account the was 30-59 days past due and they are unable to honor my dispute. 

I need to this corrected ASAP since I am in the middle of escrow on my first home purchase and I would like KIA to honor their word and do as they say they will do.
Product: Credit reporting

My irs payment was not remove from my public records, When I went to purchase my home it pulled up in public records. Please remove out of public records attach you will find the proof. they remove it off my credit report but not public records
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 & block the items which are found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftlyXXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX