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

On XXXX XXXX I contacted Equifax to place a 90 day credit freeze on my account. I have the confirmation email from them stating that a 90 day freeze was successfully placed. 

Today I received notice from XXXX that a new account was created in my name. I did not create this account. In fact, it should not have been possible for the account to be created because there should have been a freeze on my account. So I went to Equifax 's website via TrustedID and found that, in fact, there was no freeze on my account. I was also able to verify that XXXX made the credit inquiry into my account on XXXX. 

As a result of Equifax 's failure to deliver the promised 90 day freeze on my account on XXXX, my identity was able to be stolen on XXXX and used to fraudulently create a mobile account in my name. 

I attempted to contact Equifax 's customer service, but the first number I called ( XXXX ) XXXX was purely an automated system and could not connect me to an agent or representative. And the second number I called ( XXXX ) XXXX was busy all three times I called it. 

I did attempt to place another credit freeze on my account *today* using their automated service, but as this complain explains, I have no faith that this actually occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Vehicle loan or lease

On XX/XX/2014, I leased a 2014 XXXX XXXX. My payment date was the XXXX of every month and that worked just fine for the first XXXXwo years of the lease but then my financial situation changed. I am retired from my full-time position and try to work part-time to supplement my Social Security and pension. I live alone and have no family so I have to be self sufficient. My situation changed and I needed to start making my payments on the XXXX of the month when I received my pension. I called XXXX XXXX XXXX and asked if they could change the due date so I wouldn't accrue late fees. They said they couldn't do it but the dealer could. I called the dealer and was told that the lease was generated by XXXX so the change had to come from them After that I called XXXX every month to ask them to work with me. I got hung up on twice and they always refused to work with me. I asked for a supervisor and was told they didn't have supervisors. As a result, I finally quit calling and just continued to pay my lease on the first every month ( paid it online ) and they continued to ding me with late fees. I never missed a payment. 

When my lease ended I considered buying the XXXX but also looked at XXXX 's. I called XXXX to get the payoff and told them I was trying to decide between buying the XXXX or leasing a XXXX. When the payoff came out to be {$2700.00} MORE than the car appraised for, I went with the XXXX. One month later I got a bill from XXXX for {$840.00} -- -- - {$400.00} for a disposition fee and {$400.00} late fees plus {$47.00} tax on the disposition fee. I was completely unaware of a disposition fee as was the dealer. There was nothing on any of the lease end reminders and the lady I talked to about the payoff said nothing when she learned I might be leasing a XXXX. ( The disposition fee is charged if the customer chooses to not stay with XXXX ). 

I called XXXX and explained that I am a senior citizen on a very fixed income and I was totally unaware of such a fee. I also explained that I had tried for over a year to get them to change my due date and no one would work with me -- -- they were just rude when I called and hung up on me twice. I asked if, under the circumstances, they would waive both fees as I don't have that kind of money. They won't budge. I am sick to my stomach over it and would like some help in getting the fees waived. It will take me years to come up with that kind of money. I will NEVER have another XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, Transunion for their refusal to update my personal information on my credit report. On XX/XX/XXXX, I submitted a personal information update letter to XXXX, XXXX, Transunion, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from XXXX, XXXX, Transunion stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, XXXX, Transunion. 
I believe that XXXX, XXXX, Transunion 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, XXXX, Transunion 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, TransUnion has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have maintained a credit score in the 800+ for the past 20 years. 

On Monday XX/XX/XXXX, I applied for a home equity line of credit and was advised by the bank that my credit report showed a charge-off and collection status for an XXXX XXXX account in my name. This information was reported to the credit reporting agencies by XXXX XXXX ( XXXX ) in or around XX/XX/XXXX. Therefore, my application would not go forward. 

Between Monday XX/XX/XXXX to today ( Thursday XX/XX/XXXX ), I have made over 100 telephone calls and sent several e-mails ( copies attached ) to XXXX. XXXX has not issued the letter they promised to send me stating that the report they made to the credit bureaus was an error and would be deleted from my account. E-mails and telephone calls to the chairman 's office and executive office have been ignored. XXXX refuses to provide any information whatsoever regarding the application information associated with this account they provided to the credit reporting agencies. I also filed disputes with the credit reporting agencies but the incorrect information reported by XXXX report WILL NOT BE REMOVED until XXXX initiates removal. I HAVE NEVER APPLIED OR CARRIED AN XXXX CARD. I HAVE NEVER LIVED IN TEXAS. 

3. I have lived at two ( 2 ) addresses for the past 30 years in homes jointly owned by my wife and I. I never lived in Texas, but XXXX XXXX reported a Texas address associated with the derogatory account information XXXX reported to the credit bureaus. I never receive a call or any mail regarding this account from XXXX or any collection agency. I have been married ONCE and will celebrate 30 years next month. ALL CREDIT APPLIED FOR IN THE LAST 30 YEARS HAVE BEEN DONE JOINTLY WITH MY WIFE. 

4. I am now withdrawing the needed funds from my 401k and will have 20 % withheld as well as other penalties. 

5. I am over XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act 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 an account without my written instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX Solutions, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports.
Product: Credit reporting or other personal consumer reports

Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on Military Star Credit Card Account Receivables Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Experian. XXXX, XXXX, Experian has violated my consumer rights and violated federal law. There have been Many attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. Someone used my information to apply for an auto loan. I never gave any permission to anyone to use my personal credit. The companies are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I submitted a previous claim ( XXXX ) in XX/XX/2023 that Citi was holding funds that had been transferred into my savings account due to suspected fraud. They responded saying that there was nothing they could do and the account would be closed in 30-60 days and the funds would be returned at that time. I was not pleased as they had no evidence whatsoever of fraud taking place and this seemed like a heavy handed tactic to hold my funds but there isnt much you can do with a big bank like Citi. The first letter I received was dated XX/XX/2023 - it has been well past 60 days and Citis customer service has only given me the runaround on closing the account and sending the funds. I received another letter today dated XX/XX/2023 that is exactly the same as the letter I received in XXXX. Does this mean that Citi is trying to hold my funds another 60 days under false pretenses? I will also be writing to my Representative to help the government understand how much power these big banks hold without any regard to everyday hardworking Americans.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon checking my credit report, I notice an account from XXXX XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX  were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of  FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit card or prepaid card

On XX/XX/XXXX, i filed a dispute with my american express serve card for a tv purchased from XXXX for XXXX that was supposed to be delivered on XX/XX/2020. It was not and was delivered on XX/XX/XXXX while ibwas offshore. An 65 inche tv was left on my porch and stolen and i called XXXX and notifird them. They were supposed to give me my money bavk since ny item was more than likely stolen and never received by me. I filled out the dispute form and it has been 50 days since i have heard from american express and inhave just been laid off and need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEBT REC SOL Account Number : XXXX Please remove it from my credit report. 
14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

2 weeks ago someone. ( I had card on me while time ) withdrew from XXXX XXXX ATM XXXX dollars I was not in area I already lect there and was. Buying stuff. Across town town. Called BofA. nd told them.wS told I ten says I wohld have a xredit. During investigation I also verified my identity. At edd ths sMe day i reported to BofA they also snt me a nea card as soo. As j called the XXXX zaid it aohld work and I get notice in miso about credit. Then i callex ten days. my card. activation. Would not work then that st i was told that guy did t sY that my account was frozen and I need to ... .. Which i did all they asked and they zaud they cant turn on to wait. And. Areprt report the .missing XXXX dollars after the card turns o. To call them black but they zId they cant do anything. And all the breaking of the contract. Terms and condition.