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

XXXX XXXX XXXX  XXXX XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days XX/XX/XXXX past due XXXX days This is a notice to remove late payments from my consumer report. 

In accordance with Fair Credit Reporting Act Laws, the creditor " XXXX XXXX XXXX  has violated my rights.

Per Fair Credit Reporting Act Laws : 15 U.S.C. 1681 Section 603 d - Definitions ; rules of construction ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX This letter serves as a formal complaint.
Product: Credit reporting or other personal consumer reports

Over the course of multiple months starting since XXXX of XXXX, every month I sent letters in regards to account. 

XXXX - XXXX in which contained a letter with information that said : 1. FCRA Violation : Inaccurate and Conflicting Reporting ( 15 U.S.C. 1681e ( b ) ) Under FCRA, Section 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy. This account contains multiple discrepancies : Different Credit Limits : XXXX reports a {$0.00} limit, while Experian and XXXX report {$380.00}. Inconsistent Activity Dates : The Date Last Active varies between XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Experian and XXXX ). 

Payment Status Conflicts : The same account is marked as Coll/Chargeoff by XXXX and XXXX but listed as 180 Days Delinquent by Experian. 

These conflicting entries create an inaccurate portrayal of my credit history, violating the FCRAs requirement for accuracy. If the information can not be corrected, the account must be deleted immediately. 

2. FDCPA Violation : Lack of Validation and Misleading Status ( 15 U.S.C. 1692e ) Under FDCPA, Section 1692g, I am entitled to validation of the debt upon request. Despite my previous attempts to contact you, I have not received any documentation supporting the legitimacy of this debt. Reporting the debt as charged off and derogatory with a XXXX balance is both misleading and violates FDCPA prohibitions against deceptive practices. 7 of 12 3. Violation of FCRA, Section 1681c ( a ) : Outdated Reporting FCRA, Section 1681c ( a ) restricts the reporting of delinquent information to seven years from the first date of delinquency. The discrepancy in last activity dates ( XXXX vs. XXXX ) raises concerns about re-aging the debt to artificially extend the reporting period. Any such action is a direct violation of federal law and must be corrected or removed immediately. 

4. Violation of CFPB Guidelines : Inconsistent and Harmful Reporting The Consumer Financial Protection Bureau ( CFPB ) prohibits unfair and harmful practices in credit reporting. The conflicting account statuses across the three bureaus cause unnecessary damage to my creditworthiness by presenting an inconsistent and misleading history to potential lenders.

5. Non-Compliance with Metro 2 Data Reporting Standards The Metro 2 standard requires that accounts be classified accurately to ensure consistency. However, this account is listed incorrectly as Revolving/Charge Off despite the XXXX balance and closed status. This misclassification introduces further inaccuracies and must be addressed through immediate deletion. 

Final Demand for Deletion Given the inaccuracies, inconsistencies, and violations of federal law, I am formally requesting that the XXXX charge account be deleted from my credit report immediately. If you can not validate the debt with appropriate documentation, the FCRA and FDCPA require its removal
Product: Debt collection

In or around XX/XX/2021, the company reported to the three major credit bureaus false or misleading information that adversely impacted my creditworthiness. The company, for example, told the Office of the State of Maryland 's Attorney General that the {$6000.00} did not include assessed collection fees. However, on or about XX/XX/2021, the original creditor, XXXX XXXX and XXXX XXXX, confirmed that the amount had an assessed {$2500.00} collection fee. When a complaint was filed in accordance with the FDCPA, the original creditor, through the collection agency, attempted to " clarify '' that the {$2500.00} was for a reversed provider adjustment and not a collection fee. Despite these significant differences, the collection agency continued knowingly reporting the original amount. The previously stated assessed collection fee showed as the " balance '' of the debt, which violates the FCRA and the FDCPA. 

Next, the company failed to provide the agreement specified in Section 808 of the FDCPA. When asked for evidence that the original creditor was permitted to collect a fee, the company repeatedly provided an agreement dated eighXXXX days after the service date and when the debt was originally incurred. Despite this materially significant factor, the company has continued to report, in the balance, an amount that includes collection fees on which there is no agreement authorizing the company to assess any such fee. 

For these reasons, I believe the company has violated the FCRA and the FDCPA and has knowingly employed prohibited practices in attempting to collect this debt.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am submitting this complaint to you regarding account number XXXX from XXXX XXXX XXXX. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail.

I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the extended fraud alert from my credit report. I have provided the necessary documentation, including proof of my identity, address, and social security number, for your reference.
Product: Credit card or prepaid card

Bank : Netspend Prepaid Debit Card Services Email : XXXX Telephone : XXXX On XX/XX/2020 I had a stay over at a XXXX  XXXX  in XXXX, Georgia. When I checked in I was charged {$110.00} and was told a {$25.00} deposit would be refunded to my account after checking out. I checked out of the hotel on XX/XX/2020 and received a receipt to show the hotel only billed my debit card {$92.00}. I never received the deposit and the bank is refusing to refund the money. I called the hotel and was told they released the {$25.00} and to contact the bank again because they would have to release the funds into your account. I tried to resolve this issue with the bank several times and every representative I speak with put me on hold and never return to the phone. I have been hung up on by a representative 3 times after waiting over an hour to speak to someone. Each Customer service sound very incompetent, the last representative was looking at the wrong transaction and would not listen to me moving forward and when I calmly ask to speak with a manager or supervisor she placed me on hold for a long period of time then disconnected the call. I attached the receipt from the XXXX XXXX XXXX XXXX, the text message receipt of the transaction from Netspend Prepaid debit card services, and of the last call to show how long I was holding before and after the representative hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX accounts were removed by XXXX and XXXX based on my identity theft case which occurred to me a few years ago. However, these XXXX accounts are still being reported by TransUnion. I attached the fragments of my latest credit report showing which accounts are still being reported against my will. On my part, both of the creditors were contacted about the identity theft issue and they took a note. I communicated the same to TransUnion credit bureau, however they have not made proper adjustments to my credit report by removing these XXXX accounts. Therefore, I'm here asking for your help in this matter. Please assist me in this dispute.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXXXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXXXXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Vehicle loan or lease

My husband ( now deceased ) and were leasing a XXXX XXXX and XXXX. I moved from XXXX XXXX to XXXX  and am trying to register my car, the XXXX. Because my husband 's name is on the lease, The XXXX Registry can not register the car until it is removed. I started contacting Hyundai Motor Finance on XXXX first with a letter mailed to them stating that I needed my husband 's name removed and the address changed on the lease. This is per the Registry. Hyundai Motor Finance does have a copy of the Death Certificate which I had sent them after he passed away. They did close out the Lease on the XXXX but did not remove his name from the XXXX. I called Hyundai Motor Finance multiple times and never received a callback. On XX/XX/XXXX, I went on their website and sent chat messages to them as well. They did not respond back. I have a more accurate telephone number now and have talked to 3 different people that have written down everything and forwarded to the Back Office Team. I was supposed to get a call back withing 5 to 7 business days but never did. I called again yesterday, XX/XX/XXXX, and spoke to XXXX and she assured me that she was submitting the paperwork again and to call back either today or next Tuesday which is XX/XX/XXXX. I called back today and she checked and still nothing has been done. She said that I can call every day to see if the changes have been made and if paperwork had been submitted to the Registry. My car needs to registered before the end of this month which is next Monday. After that I could get stopped for not having it registered properly. I need my car to do grocery shopping and doctor 's appointments. Each time I talked to a person, I asked what they needed from me and did exactly as they asked.
Product: Debt collection

I am writing in regards to the data breach incident. I kindly request that any information pertaining to me be removed from my credit report if it is inaccurate or does not belong to me.
Product: Checking or savings account

XXXX Our bank XXXX contacted my business to say a suspicious check was presented. Our business name was not noted just our account and routing #. 

The check was being requested FROM XXXX XXXX and made out to ENHANCED RECOVERY LLC XXXX FL. 

I called ERC to ask why they were trying to withdraw funds from our account. I spoke with XXXX XXXX XXXX XXXX XXXX She acted confused for apprx 20 minutes then finally admitted someone was trying to pay off their account with OUR bank information. She would not provide any further details. She asked me to contact the police. I am in OH they have no jurisdiction in Florida..I  'm sure she's aware of that. Her behavior was very suspicious. 

She gave me this reference # XXXX Is there any thing else I can do.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts challenging the account being reported. Account verified by furnisher, no investigation report was provided to me, data remains inaccurate and incomplete. Modified account details with other reports but failed to provide carbon copies to all other parties. 
Delete XXXX XXXX account Delete XXXX XXXX XXXX Delete XXXX XXXX account Delete XXXX  account Delete XXXX XXXX account
Product: Credit reporting or other personal consumer reports

I am writing to formally escalate my complaint regarding the improper handling of my dispute under XXXX # XXXX. I spoke with XXXX, a supervisor at TransUnion, about a fraudulent late payment associated with a XXXX auto loan account ( Account Number : XXXX ) reported for XX/XX/year>, which has resulted in a delinquency on my XXXX credit report. My initial dispute, submitted on XX/XX/XXXX, included documentation proving the fraudulent nature of this account and was referenced in CFPB Complaint # XXXX. Despite my submission, TransUnion responded within five days stating NO CHANGE NEEDED. Following this, I attached additional proof in CFPB Complaint # XXXX. XXXX informed me that he would forward my dispute to XXXX but failed to address the procedural errors in processing my original dispute. Furthermore, TransUnion failed to block the fraudulent late payment as required under the FCRA 605B guidelines, despite receiving the necessary documentation. This failure to properly address my dispute is unacceptable, and I request immediate action to rectify this error, as well as escalation to XXXXXXXX XXXX supervisor to review and resolve this matter appropriately.
Product: Credit reporting

I sent them a letter is regarding an account that I have not had. XXXX note the attached document from the secretary of state of Ohio. 
I have no affiliation with this company. Its a business credit card processing application. 

I sent them proof from secretary of states office ( attached )
Product: Mortgage

They said they would send me forms and I never received anything, I don't know how to access half this stuff, I've tried making payments and they just kept sending them back. When I've called I get some flunky who just works there at night, as I work from XXXX. to XXXX. and I am not allowed to call on my cell phone during that time. If they found it to be IMPORTANT they should have contacted me through my job phone because they do have it. They are just anything but helpful. They didn't even give me any options like refinancing or anything. They just told me to fill out some forms online, and well anytime I'd fill one out it wouldn't go through. So I asked for them to send them and NO ONE SENT ME anything. US Bank is a waste of my time.
Product: Vehicle loan or lease

XXXX XXXX XXXX-located at XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX I am asking for help with having XXXX XXXX XXXX check my vehicle to ensure the safety of it and repair the malfunction of this vehicle. The malfunction of my gear shift control has left me alone and stranded ( sometimes at night ) and possibly could have placed or even can still place my life in danger. 
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX-located at XXXX XXXX XXXX, XXXX XXXX, MS XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX, on several different occasions the gear shift in my car has gotten stuck in park. The check engine waring has also come on serval times. This failure has caused me to be stranded in the parking lots of stores and once about 20 miles from home, late at night. I am almost afraid to drive the car. 
I called and reported this problem to XXXX XXXX XXXX, and I was given an appointment to bring the car in for inspection. On XX/XX/XXXX, I was told by a service advisor ( XXXX ) that I would have to pay {$100.00} just to have them perform a diagnostic test to determine if there was a problem and if there was, I would have to pay anther {$100.00} plus any other costs if the warranty did not cover the issue. I was told I would have to pay the total costs of any services before I could get my car back. 
I have not been able to work since XX/XX/XXXX and I can not afford pay any amount of money. I was forced to take my car back home and as soon as I left the lot, the check engine light came back on. 
I understand my financial problems are not Fords problem and I am not asking for a handout, only to have this company check my vehicle to ensure the safety of it and repair the malfunction of this vehicle. This malfunction of my gear shift control has left me alone and stranded ( sometimes at night ) and possibly could have placed or even can still place my life in danger. 
I purchased this pre-certified vehicle from XXXX XXXX XXXX in good faith and because I was told it was in its best condition and Ford had maintained the best upkeep on it. 
On today, XX/XX/XXXX, while driving the car, the AC/Heat power button repeatedly turn itself back on, even I pressed the button to shut it off, it automatically came back on. This occurred about 7-10 times before it finally stayed off. 
I did purchase the Extended Service Plan Warranty for {$1900.00} upon buying the vehicle.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXX XXXX. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. Respectfully, XXXX XXXX XXXX