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

I sent TransUnion a dispute letter on XX/XX/2021 asking TransUnion to validate my bankruptcy and they have not responded. I have sent a certified affidavit to TransUnion showing them the laws they have violated. I did not give written permission to TransUnion to publish a bankruptcy on my consumer report. TransUnion is violating my consumer right to privacy! I want this item permanently deleted from my consumer file and compensation for all the laws the TransUnion broke.
Product: Credit reporting or other personal consumer reports

I'm still im disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like for this item to immediately be re-investigated. The inaccuracies are highly injurious to my credit score. 
Capital one ( numberXXXX ) In accordance with the fair credit reporting act, public law 91-506, TITLE VI SECTION 611.PLEASE provide the names and updated copy or my credit report after reinvestigation.I request because of these inaccuracies that this account be deleted off my credit report.XXXX  AND XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.0XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2000.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested a copy of 1099 c form from this company. AFFIRM. I never recieved the form but, AFFIRM is reporting on my credit report as written off to IRS which require to send me a copy of the filed form. Affirm filed it off as A tax break already. Also its reporting on my credit report as if the debt has been writen off. Which by Law Requires them to send me a copy or original 1099 c form of the debt that AFFIRM is Claiming as a lost on there Taxes to ( INTERNAL REVENUE SERVICE. )
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, all XXXX major credit bureausEquifax, XXXX, TransUnion, and XXXX made it impossible for me to add a personal statement to my credit report despite my repeated efforts to contact each one of them over the past two weeks. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports and to add a personal statement explaining their side of the story if a dispute is unresolved. The persistent failure of these credit bureaus to facilitate this process violates my rights under the FCRA and has left me without a means to ensure that my credit report accurately reflects my circumstances. This stonewalling not only hinders my ability to clarify my credit history but also raises serious concerns about their compliance with federal laws designed to protect consumers. 

Moreover, XXXX, XXXX, and TransUnion have closed out all of my disputes filed directly with each of them without providing me any results or explanations for their decisions. This is a clear violation of the Fair Credit Billing Act ( FCBA ), which mandates that credit bureaus must investigate disputes and provide the results to the consumer. By failing to inform me of the outcomes, these bureaus have disregarded their legal obligations and left me in the dark about the status of my disputes. This lack of transparency is particularly troubling given the serious nature of the inaccuracies on my report, which include incorrect information fraudulently provided by XXXXXXXX XXXX The continued presence of these errors on my credit report has unjustly affected my credit standing, undermining the purpose of the FCBA and FCRA. 

In addition to their failure to provide dispute results, XXXX, XXXX, and TransUnion have perpetuated the misinformation supplied by XXXXXXXX XXXX despite clear evidence that refutes the bank 's claims. The FCRA requires credit bureaus to ensure the accuracy of the information they report. However, by maintaining false information on my credit report, they have further violated my rights under the FCRA. This persistent inaccuracy has not only caused undue harm and inconvenience but also highlights the systemic issues within these credit bureaus regarding their handling of consumer disputes and adherence to federal regulations. The combined failures of these institutions to investigate, resolve disputes within the legally required timeline, and provide necessary information underline the urgent need for immediate corrective action to rectify my credit report and prevent further legal ramifications.
Product: Credit reporting or other personal consumer reports

I send a written letter we the laws that protect my consumer right to the XXXX credits bureau on XX/XX/year> of XXXX hard inquiries that was done to my credit report fraudulent it without my permission I want this inquiry to been removed from my credit as soon as possible
Product: Credit reporting or other personal consumer reports

Companies ran my credit report and created negative inquiries. I didn't authorize these companies to run my credit and it is fraud.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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

Today I disputed an incorrect address on my consumer report with Experian. Firstly, I had to get transferred to three different people because the first people were not trying to allow me to dispute information that I can prove is inaccurate. The last representative allowed me to initiate the dispute, a few hours later, the information came back verified.. Accordingly, I can show a judge that this address is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate the information. Using the EOscar system is not a proper investigation! Using the same information, that the furnisher of information has provided to you without doing your own investigation is not a proper investigation. Experian is not providing method of verification because it will prove they did not do a proper investigation.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX - Account Number : XXXX - XXXX XXXXXXXX - Account Number : XXXX - XXXXXXXX XXXX - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX - XXXX - Account Number : XXXX - XXXXXXXX XXXX  - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX
Product: Vehicle loan or lease

Several months ago I asked U.S. Bank to stop sending me paper statements because we need to save trees and because of mail theft. I said I only want paperless statements just like any other company I pay bills to. But when you try to click paperless statements on their website it said something like your account isn't eligible. So I made some calls and some complaints requesting paperless only. Well the paper statements stopped coming, but then in XXXX the statements on the website stopped coming too. I can see the statements for XXXX, XXXX, XXXX and XXXX on their website. But XXXX and XXXX are noticeably absent ( and XXXX but that probably hasnt been released yet ). So I called U.S. Bank on the phone about this matter and one of their phone reps claims they are aware of the problem of statements not showing up online for clients. I find that hard to believe because that means this problem has been unresolved for 3 months now. I find it hard to believe a reputable and professional company lets their clients go 3 months without being able to see financial statements. I filed a XXXX XXXX XXXX complaint against U.S. Bank about this, asking for the statements. On XX/XX/23 the XXXX wrote to me saying " XXXX XXXX XXXX has received a response from US Bank addressing some or all of the issues raised in your complaint. Upon review, the XXXX has determined the company has chosen to remain firm in their position and not offer an alternative resolution. '' U.S. Bank is holding my statements hostage. How am I supposed to report the interest on the loan through my taxes? Why isn't U.S. Bank taking this more seriously? This is unacceptable.
Product: Debt collection

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts Progressive Management Systems XXXX XXXX XXXX {$690.00} Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or Inquires 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

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: Vehicle loan or lease

I opened a car loan with ally financial about 4 years ago, the car was defective and i tried returning it to the dealership within  1 week of pu rchasin g it, ( it still was under the warranty period ) th e dealer refused to take it back.i was forced to repair the vehicle out of pocket. I told ally financial the dealer wouldbt take it back and it was still under warranty they also refused to help me with this and forced .e to remain with the vehicle, pay the repairs and keep the loan.after thousands of dollars in repairs i voluntarily returned the vehicle to ally financial. Years laters they still send me letters to force me to pay. I provided all the information to all the credit reporting agencies and they have removed this loan feom my credit reports, but ally financial still harasses me for the money. I no longer wish that ally financial contacts me or send me letters or try to collect this from me. It was wrong for them to do this after i asked them to please help me return the vehicle while i still could and they refused. Please mind that the vehicle was sold in auction by them and they still want me to pay the remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written all three Credit Bureaus XXXX, XXXX and EQUIFAX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the XXXX year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the President of Navient in XX/XX/XXXX about inaccuracies with my credit report. XXXX from the office of the president reached out and way coy about my files I had two private student loans that were both charged off in XX/XX/XXXX. Everytime I dispute and request for the information to be accurate on all credit reporting agencies. Navient then re-ages the account which causes the account to continue to stay on my account longer. And XXXX continues to report 90day lates while nothing is reported to XXXX. Again another FTC violation. 

This is deliberate for me not to request the accounts to be removed for inaccurately reporting. XXXX has removed both accounts because the information is incorrect. XXXX and XXXX should be moved ASAP. Otherwise Im forced to file a lawsuit.

At this point there are multiple FTC credit reporting violations that have occurred and both accounts must be removed and Navient is doing everything to report inaccuracies to credit bureaus while hurting my credit while I have called all of this out. Even XXXX and XXXX are not helping. XXXX continues to show 90 day lates every since month while XXXX does not. 

Both accounts should be removed ASAP.
Product: Checking or savings account

AccountS Frozen ; keep being told will close, no reasons stated, no questions answered. Frozen XX/XX/23 nothing has been done. Supervisors don't get back to me. 5hours invested with no answers. 

XX/XX/23Account locked, XX/XX/XXXXVerified acc. was told account was ok, funds pullback had to be completed, call back XX/XX/XXXX to unlock. XX/XX/XXXX told acc would be closed, no explanation, would mail check 7-10 days. XX/XX/XXXX nothing done went through process of closing acc. would be expedited and no penalties, told to call back on status 2 days. XX/XX/XXXX accountS still open nothing done. Someone will get back to me within 2 days with explanation. Some type of fraud investigation? No explanations, refused to answer any questions. 

I want my money back with interest and no penalties on CD 's
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to write and call Experian to correct multiple inaccuracies on my credit report with Experian, these errors remain unresolved. These inaccuracies negatively affect my creditworthiness and violate my rights under the FCRA. 

The issue : inaccurate names on the accounts, inaccurate account numbers, inaccurate dates of last activity, inaccurate payment history. 

Experian failed to explain the method of validation and provide information on how accounts were verified as accurate. 

The specific violations I have encountered include : 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The FCRA mandates that credit reporting agencies maintain reasonable procedures to ensure the " maximum possible accuracy '' of the information in consumer reports. The persistent errors on my reports indicate a lack of adherence to this requirement. 

2. Failure to Conduct Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : When a consumer disputes information, the credit bureaus are required to conduct a " reasonable reinvestigation '' within 30 days. Despite providing supporting documentation, the reinvestigation process has failed to correct these inaccuracies, which suggests noncompliance with this provision.

3. Failure to Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : The FCRA requires that inaccurate or unverifiable information be deleted from a consumers credit report. The continued reporting of these errors violates my rights under this section.

4. Neglect of Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : The entities that provide information to the credit bureaus ( " furnishers '' ) are required to ensure the accuracy of their reports and promptly correct any errors. The credit bureaus have failed to ensure that furnishers comply with this requirement.

5. Failure to Provide Full Disclosure of Information ( 15 U.S.C. 1681g ) : The FCRA requires credit bureaus to disclose all information in a consumer 's file upon request, including the sources of that information. The credit bureaus have failed to provide complete and accurate disclosures of the information in my file. 

These persistent errors have caused significant financial harm and stress, affecting my ability to obtain credit on fair terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 student loan accounts with XXXX XXXX XXXX, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX XXXX Balance : {$2000.00}
Product: Checking or savings account

I am writing to inquire about the process for registering business with the state of California and to bring to your attention a concerning issue that I have recently experienced with a company that claims to be registered with the state. 
The company, XXXX XXXX, which is allegedly registered with the state of California, claimed to offer investment opportunities that would result in high returns with minimal effort. This company advertised their investment opportunities on various social media platforms such as XXXX, XXXX and XXXXI invested a significant amount of money, {$25000.00}, in these opportunities, only to discover that the company was fraudulent and attempting to contact them was unsuccessful. In fact, the mail I sent to their registered address was returned as undeliverable.As a concerned citizen, I am writing to ask how it is possible for a fraudulent company to register with the state and operate under false pretenses, potentially taking advantage of other individuals like me. I would like to know what measures are in place to ensure that registered businesses provide accurate and up-to-date contact information.I urge the state to take swift action against fraudulent companies such as XXXX that claim to be registered with the state but use false information to appear legitimate. Additionally, I would like to know what steps the state is taking to protect consumers from such fraudulent companies and what resources are available for individuals who have been victimized by these types of scams.As well as what protection are given by banks where frauds are happening over and over. In this case, Bank of America Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting 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, CMREFinance # 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 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 or other personal consumer reports

CashApp XXXX says they support filing amendments ( form XXXX, https : XXXX.cash.app/sXXXX XXXX  However, they either do not support this, have it obfuscated behind a particular " window of time '' that you can file an amendment, or some other thing such that they are essentially blocking access to my taxes, which seems to me like it should be highly illegal. 

Thanks.