23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I received a call from Discover that they suspected fraud on our credit card account. They said a purchase was made at XXXX in XXXX OH and then the card was used two more times and rejected. I confirmed that I was at home and my husband was at work and neither of us made any purchases at XXXX that day. Discover closed our accounts, issues new cards, and removed the charges of {$61.00} from our account. 
I thought it was all handled and done. We then received a letter in XXXX stating that the charges were being put back on our account because it was not fraud.I called and talked to their customer service fraud department for an explanation. They said we couldn't prove the charge wasn't us and since it is a store we shop at, we are now responsible for the charges. The fraud department said they would review again but i have heard nothing since and it has been 30 days. The charges are still on my account saying I'm responsible to pay.
Product: Credit reporting or other personal consumer reports

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification. 


.
Product: Credit reporting or other personal consumer reports

For the nth time I am addressing the issue of erroneous and deceptive data present on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my wife and I had loans through a local loan company Sun Loans in XXXX Oklahoma. Around the end of XXXX through early XXXX I got behind on payments. On XXXX we paid these loans in full. This account reflects on both of our credit report as paid but it shows to be a charge off. I'm not sure why this account shows to be a charge off, we we're still actively doing business with this company and they we're still actively trying to collect on the account. We have tried multiple times to have this corrected with the credit bureau with no success and also have went to Sun Loans directly and they faxed a letter to XXXX XXXX XXXX XXXX XXXX disputing this for deletion.
Product: Credit reporting, credit repair services, 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 : 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 card

On XX/XX/2023 I responded to a pre approval email and applied. The application was paused and it said I would receive a letter in the mail in XXXX to 10 days. I have not received any paperwork, request for information, or any kind of update since and it has been beyond XXXX
Product: Debt collection

This debt amount is false this account was paid and when I returned the equipment i was told I had a XXXX balance and now after 5 yrs this other compamy call convergent is saying that I owe XXXX XXXX I asked for proof and this statement that was sent to me is false, it also does not show that I had recieved credit for equipment that I returned and the service date is wrong, they sent me bogus statement.
Product: Debt collection

DESPITE PROVIDING YOU WITH CLEAR EVIDENCE AND DOCUMENTATION CHALLENGING THE LEGITIMACY OF THESE FRAUDULENT ACCOUNTS, YOUR BUREAU CONTINUES TO DECLINE MY REQUEST WITHOUT PROVIDING ANY SUBSTANTIAL REASONING. THIS LACK OF TRANSPARENCY AND ACCOUNTABILITY RAISES SERIOUS CONCERNS ABOUT THE CREDIBILITY AND COMPETENCE OF YOUR INVESTIGATION PROCESS. YOU MUST DO YOUR JOB PROPERLY!!! 
I QUESTION THE AUTHORITY OF YOUR BUREAU TO SUMMARILY DECLINE A DISPUTE WITHOUT CONCLUSIVE EVIDENCE TO SUPPORT SUCH DECISIONS. THE FCRA MANDATES THAT CONSUMERS HAVE THE RIGHT TO DISPUTE INACCURATE INFORMATION AND THAT CREDIT REPORTING AGENCIES MUST CONDUCT A REASONABLE INVESTIGATION. YOURE CONTINUED DENIAL WITHOUT DUE PROCESS RAISES SERIOUS DOUBTS ABOUT THE INTEGRITY OF YOUR ORGANIZATION. 
XXXX XXXX XXXXXXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
It is abundantly clear that your bureau has failed to verify the fraudulent activity adequately, and yet, you arrogantly declined my request without presenting any evidence to support your decision. This disregard for due diligence not only violates the Fair Credit Reporting Act ( FCRA ) but also undermines the trust consumers place in your organization to maintain accurate and reliable credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

They allowed my personal information to be breached and did not warn me.
Product: Credit reporting or other personal consumer reports

I believe that the XXXX did not loan me any money. They did not deposit the promissory note that was assigned to them from the dealership. The XXXX recorded the promissory note as an asset on the books of the business and credited cash to balance the books. The alleged borrower got cash. likely the XXXX will likely avoid explaining the cash earlier credited was deposited. The deposit is a debit to cash and a credit to a bank/company liability like a checking account, demand deposit account or savings account. The new result is exactly what the XXXX XXXX XXXX have already admitted. There is a new XXXX asset and a new XXXX liability. The new asset came from the borrower and the XXXX liability means the XXXX owes money related to the new asset. The owner of the property is me ( the complainant of this inquiry ). The banks claim that they loaned me money to purchase the vehicle. Where did the money come from. I believe they created an account and deposited the cash and then paid for the property from that account. This is what I believe is an act of custodian or intermediary to the transaction.
Product: Vehicle loan or lease

Account No : XXXX XX/XX/2018, the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX entered my home, violently attacked my children, left a scar, and stole my sons XXXX XXXX. On XX/XX/2018, the XXXX and XXXX gang told me twice that XXXX XXXX and XXXX ordered the attack. The attackers also said they have been monitoring my home for months. I have been paying promptly. I explained the XXXX retaliation situation many times and I always said I would pay and asked for time. I also mentioned that the XXXX case is ongoing in XXXX. 

Sunday, XX/XX/2018, in-humanely XXXX XXXX and XXXX attacked my son, left a scar, and stole his XXXX XXXX. The next day, Monday morning, when my son went to school ; the school said that his XXXX XXXX licence plate is cancelled. I dont know how XXXX XXXX XXXX school knew about the licence cancellation very quickly. 
I have invested over {$26000.00} in my sons XXXX XXXX. I have been following up with Bank of America since 2018 on this incident, but no response. I financed my sons XXXX XXXX through Bank of America ; does Bank of America have the policy to send XXXX and XXXX XXXX, take my sons XXXX XXXX without any notice, and violently attack my children? 

What happened to my {$26000.00} investment? 

Which policy allows Bank of America to send XXXX XXXX and XXXX to take my sons XXXX XXXX without any notice and attack him? 

XXXX Bank of America have the policy to monitor my family? 

I always said I would pay. I want my sons XXXX XXXX ( XXXX ). I will pay the money. And I also want compensation for all the sufferings and losses we endured unjustly because of Bank of America 's violent act. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i started receiving calls from credit card companies last month. After i talked to them, it was clear that XXXX XXXX XXXX had something to do with it. I talked to XXXX XXXX XXXX and she admitted to opening accounts under my name without my knowledge. These accounts are fraudulent and where open without my knowledge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXXXXXX 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 rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

My identity was used to open bank accounts and credit cards. These applications were done through the computer. I have tried multiple times letting Amex, XXXX and XXXX XXXX know. XXXX XXXX researched and discovered that I was right. Since then they have removed the fraudulent account from my reports. However Amex continues to say they can not provide a copy of the application that was supposedly applied for using my identity. They are still currently updating the account as late and over the limit. This is causing my credit report scores to dwindle.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 paid in full the amount of XXXX to Comenity bank/ XXXX  . My credit report reflects that this amount was written off. I called on XX/XX/2019 and the representative said that I would need to contact someone else, and that my account was sold. He also told me that he would mail me a letter stating that I paid in full. I am requesting that my credit report reflect that I, in good faith, paid the account in full.
Product: Credit reporting or other personal consumer reports

I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.
Product: Credit card or prepaid card

on XX/XX/2021 and XX/XX/2021 I recieved a adverse action and was denied credit I know a adverse action is for the denial of employment and insurance no credit
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX IS OUTDATED AND NOT REPORTING CORRECTLY, BUREAUS HAVE NOT RESPONDED IN XXXX DAYS.
Product: Checking or savings account

I submitted a dispute for a transaction that occurred on XX/XX/XXXX but was posted on XX/XX/XXXX of {$96.00}, because the company XXXX  wont respond to me nor give me a refund for a subscription that I was scammed into trial and was able to cancel but still was charged. So I disputed it with chase and they put the money temporarily in my account and now today XX/XX/XXXX I get a letter that they declined my dispute and favored the company that I been trying to contact by no one will respond, kind of suspicious how they communicate with chase and cant email me back. But now they are taking the {$96.00} out of my account because I lost the claim. So I submitted an appeal and havent heard nothing from them.
Product: Credit card

i have been trying to get the credit card company to update the file they are reporting to the credit bureaus they are showing a balance on this card and it has no balance and is closed
Product: Credit reporting or other personal consumer reports

A hard inquiry that I did not authorize is on my credit file with XXXX ( only ) from a creditor named Tesla. I did apply on the date in question with Tesla, but only once. There are two hard inquiries from Tesla on my file ON THE SAME DAY. I only authorized one pull on my report. I did contact Tesla Financial about this and the said they would correct it, but have not. XXXX also would not help ( they are awful to deal with in regard to removing unlawful hard inquiries. 

I RECENTLY PURCHASED A NEW CAR. DURING THIS PROCESS, I APPLIED WITH XXXX ( WHO I BOUGHT FROM ), TESLA FINANCE ( ONE TIME ONLY, AND THEY WERE ADVISED THAT THE I ONKLY AUTHORIZED TESLA FINANCE AND NO OTHER LENDERS ), AND XXXX XXXXXXXX ( THAT WAS ONLY A SOFT INQUIRY ).
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX  ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft. I was not aware of the following credit transactions on my credit report, nor did I provide consent for my personal and private information to be shared with any third party. The following information should be removed immediately. 

Names : XXXX XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX Employers : XXXX Accounts : Inquiries : XXXX XXXX XXXX XXXX XXXX, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the above mentioned credit transactions between the listed companies/creditors and ANY third party. As I did NOT authorize these credit transactions and would like them to be deleted and blocked from my consumer/credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Account # 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: Student loan

In my XXXX  account i have 4 student loan are the same account # XXXX date was open XXXX all my student loan is paid and closed but is still in my credit report showing a negative account whit late payment it already been 13 to 15 years sinces this account and they never take it always from my report
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CREDITACPT, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Missouri Revised Statutes and identity theft fraud laws, specifically Missouri Statute 570.223.

It has unequivocally come to my attention that CREDITACPT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri identity theft laws, such as Missouri Statute 570.223, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CREDITACPT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my letter to this complaint in reference to TransUnion. 

They have failed to remove the inaccurate accounts that are listed on my letter. In addition to that- they have failed to re-investigate the account based on Section 1681 of te Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have included a police report number XXXX bage # XXXXXXXX XXXX for XXXX XXXX these accounts are not mine please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you correct this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to update me credit file. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX , XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My current employer is XXXX XXXX XXXX XXXX, XXXX XXXX SS XXXX MY DOB XXXX I was viewing the rest of my report and I noticed there were unverified account I do not recall ever doing business with these companies XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.