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

I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 60 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Credit card or prepaid card

I have made a complaint with you all ready. My name is XXXX XXXX I am have dealings with USAA. This is my complaint ID with you- XXXX. 
I recieved a call from USAA on XXXX stating they are closing the fraud case they state they do not see where I requested to have my aiuthorized user removed. Just because they supposedly did not note it they are now making me pay for all the fraud charges she put on there an she is getting away with it. USAA had sent me a check for damages put a stop on the check put amount towards that balance this is wrong in every way an she the one that put herself on as aurthorize user gets away. They also sent me a new card I never activated it some how it got activated and got XXXX charged on it and USAA only thing they would tell me is someone activated it from a mobile device. This is wrong where is justice?
Product: Checking or savings account

My chase checking acc & saving acc got closed permanently for no reasons. been called cs for thousands of times and still not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that does not have an original creditor listed, therefore, I cant contact the creditor to request information about the account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX to have them remove the two hard inquiries that were listy on my credit report with out my permission. I then proceeded to tell the woman I spoke to that I never Inquired about any of thier airlines or credit card. I continued to notify her that XXXX showed up on my credit report twice once in XX/XX/XXXX and again in XX/XX/XXXX and it clearly says XXXX XXXX XXXX XXXX/XXXX. The woman got my information just to make sure I didn't have an account with them. Then laughed at me and said " I just realized your my 10th call on this situation today. We are not an Airline you will have to file a dispute with your credit company ''. Instead of filing I called XXXX XXXX and I was told I needed a letter from XXXX  to be able to remove it. I don't even have an account with them nor have I ever heard of them. I also looked them up and they are way over in XXXX FL I don't even live near there. This needs to be fixed. I also found on the forum on credit karma I am not the only person this is happening to. Something needs done about this.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against TransUnion for recurrent technical issues that have effectively barred me from accessing my credit report online. My attempts to access my report on AnnualCreditReport.com and directly through TransUnion.com have been met with persistent technical errors. The screenshots attached herein evidence these failures. 

Despite repeated calls to TransUnion on XX/XX/year>, my problems remain unresolved. During my initial call aXXXX XXXX XXXX MST, I was uncomfortably solicited for my full social security number by a representative at an offshore call center. I was assured the issue would be addressed within an hour, but that promise was not kept. Subsequent calls at XXXXXXXX XXXX MST and XXXXXXXX XXXX MST yielded no tangible results, with the latter escalating to a supervisor who acknowledged a technical fault but offered no resolution. 

As of today, XX/XX/year>, my access remains unjustly restricted. TransUnion 's alternative of mailing hard copies is not only environmentally damaging but also impractical and belated, infringing on my ability to promptly and effectively dispute inaccuracies as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The Consumer Financial Protection Bureau ( CFPB ) upholds that consumer reporting agencies must maintain " reasonable procedures '' for public access to these reports, an obligation TransUnion is failing to meet. 

The difficulties I am enduring with TransUnion not only flout the FCRA but also undercut my consumer rights. I demand an expeditious and permanent solution to the online access issue, and a reassessment of TransUnion 's privacy protocols concerning sensitive personal information. 

I trust the CFPB will take my grievance seriously and ensure compliance with the applicable laws to protect consumer rights. 

I wish for somebody to review these monitored phone calls. I called form my phone number which is XXXX. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : Equifax, XXXX, XXXX. XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX ( XXXX ) under the account number XXXX, a XXXX XXXX under the account number XXXX -- -. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I leased a XXXX Mazda XXXX on XXXX XXXX, XXXX from XXXX XXXX XXXX in XXXX CA. I traded my previous car a XXXX Mazda CX-7 in place of the new vehicle. On XXXX XXXX, I sent XXXX XXXX, Finance Manager at XXXX XXXX XXXX, signed authorization to pay off my previous car loan. On XXXX XXXX XXXX XXXX called to ask me to come in to the dealership and sign a new lease contract, no reason was given why, I assumed there had to have been an error on the previous contract. XXXX XXXX stated over the phone that " the good news about a new contract was that my first payment on the lease was going to be due on XXXX instead of XXXX '' ; I went in to XXXX XXXX XXXX on XXXX XXXX, XXXX to sign this new lease contract at which point XXXX XXXX reiterated that my first lease payment was going to be due on XXXX as opposed to XXXX. On XXXX XXXX, the lender for my previous car, XXXX XXXX XXXX XXXX debited my car payment for XXXX ( for a vehicle I no longer had in my possession since I had transferred ownership to XXXX XXXX XXXX on XXXX/XXXX/XXXX ) ; this car loan was paid off on XXXX/XXXX/XXXX at which point I was able to get my payment back. 
On XXXX XXXX, I found out through my online banking with Chase Bank that my car lease was financed through them as opposed to XXXX XXXX and that my first lease payment due date was XXXX/XXXX/XXXX which was completely contrary to what XXXX XXXX had previously told me on XXXX/XXXX/XXXX. I called Chase Auto Finance and spoke XXXX XXXX, I explained the situation and she acknowledge that they did have XXXX lease contracts, XXXX dated XXXX/XXXX/XXXX ( which was supposed to be nullified ) and XXXX dated XXXX/XXXX/XXXX. I told her XXXX XXXX had stated my first payment was not going to be due until XXXX/XXXX/XXXX. She stated they would review my request and that I would be receiving a letter in a few days ; nothing took place. I never received any letter from them regarding my call. I contacted XXXX XXXX and asked why my first payment was due in XXXX instead of XXXX like he had stated. He told me he would " fix it '' for me. He then replied to me via email that XXXX had revised my first due date to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called XXXX again since the payment due date had n't been changed, I spoke to XXXX XXXX who told me she had sent my lease account to the department that would revise my due date and that she had notated my account so that no collection calls would be placed in the interim time while this was corrected. XXXX placed a credit inquiry on my credit reports without my authorization since my credit worthiness did not need to be established again. On XXXX/XXXX/XXXX I was assessed a late fee of {$25.00} ; today XXXX XXXX, XXXX I received a call from their collections department ; I was forced to pay a late fee and the due date on my lease contract WAS NEVER changed, XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX from Chase Auto Finance all of them lied and misled me, they put my credit reputation at risk with their lies. I want the late fee to be reversed and credited back to me, the credit inquiry from XXXX/XXXX/XXXX removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX 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 reviewed my credit report and there are some fraudulent accounts appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for Violations of the Fair Credit Reporting Act ( FCRA ) Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Phone Number : XXXX Email : XXXX Respondent : XXXX XXXX XXXX XXXX XXXX. 

-- - I. Summary of Complaint I am filing this complaint against XXXX for its blatant and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX has : XXXX. Failed to conduct a reasonable investigation within the required XXXX timeframe ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 

XXXX. Failed to notify me of the results of its investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ). 

XXXX. Failed to correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 

XXXX. Reported inaccurate information despite clear evidence of errors ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Engaged in unfair, deceptive, and abusive acts and practices ( UDAAP ) in violation of the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5531. 

-- - XXXX. Detailed Explanation of Violations XXXX. Failure to XXXX a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ) In XXXX, XXXX, XXXX, and now XXXX, I formally disputed multiple errors on my XXXX credit report. The FCRA requires XXXX to complete an investigation within 30 days. To date, XXXX has failed to conduct a reasonable investigation or resolve my dispute. 

XXXX. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) XXXX is legally obligated to provide written notice of the results of its investigation within XXXX business days of completion. It has failed to do so. 

XXXX. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Despite overwhelming evidence proving errors on my credit reportincluding [ List Errors, e.g., incorrect late payments, fraudulent accounts, incorrect personal information ] XXXX has refused to correct them. 

XXXX. Willful and Negligent Reporting of Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) The FCRA mandates that XXXX ensure maximum accuracy. Instead, XXXX continues to report erroneous and damaging information, severely impacting my financial well-being. 

XXXX. Unfair, Deceptive, and Abusive Practices ( 12 U.S.C. 5531 ) Experians failures have caused significant harm, including denied credit opportunities, higher interest rates, and financial distress. This constitutes unfair and deceptive practices. 

XXXX XXXX XXXX. XXXX Requested I request that the CFPB : XXXX. Order XXXX to conduct a proper investigation and correct all errors immediately. 

XXXX. Impose fines for XXXX noncompliance with federal law. 

XXXX. Require XXXX to disclose its investigative procedures and ensure FCRA compliance. 

XXXX. Award damages for financial and emotional distress. 

-- - XXXX. Conclusion Experians failure to comply with federal law demands immediate enforcement action. I urge the CFPB to hold XXXX accountable. 

Sincerely, XXXX XXXX XXXX
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 XXXX XXXX XXXX  : # XXXX, XXXXDept Of Ed : # XXXX, XXXX/Dept Of Ed : # XXXX, XXXX/Dept Of Ed : XXXX XXXX, XXXX/Dept Of Ed : # XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I'm not liable for this debt with Atlantic Union Bank I do not have a contract with, Atlantic Union Bankshares Corporation. They did not provide me with the original contract as I requested
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain anaccurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

On today, XX/XX/2024, I dispute XXXX debt with all credit reporting agencies and to the creditor. They are reporting XXXX debt as though it is new, as of XXXX XXXX, which is effecting my credit report severely. Further, they have not provided validation of this debt. No contracts, or signed documents, or any evidence to establish that this debt belongs to me. Further, they are reporting the wrong amount I presume because I have never owed anyone that amount of money. They also did not properly notify me of who they were. In the reporting agencies, it says that Thus debt was bought from XXXX XXXX XXXX XXXX. But I never owed XXXXXXXX XXXX  this amount of money nor has XXXX XXXX ever reported that amount on my credit report. Further, on my XXXX report. XXXX XXXX XXXX and XXXX XXXX are both attempting to say that I owe a debt. If XXXX account is sold, and this is the account Jefferson claims, they can not report through both parties simultaneously under law. They are breaking multiple laws with my FCRA rights, and going against the guidelines and regulations and laws provided by the FTC and the CFPB. Some of their violations are listed in my evidence.
Product: Payday loan, title loan, personal loan, or advance loan

I'm trying to get my Next Advance Loan, by : Dave, for at least {$25.00} or {$50.00}, but Dave only can give me Seven Days to repay it back, to them.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX