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

To Whom It May Concern, On XX/XX/2022 I sent you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXX  XXXX Account number XXXX you received my dispute letter. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter.Therefore, your response was due on or by XX/XX/2022 Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming account verified but sent no proof. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have nol made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed Information. Additionally, as per the FRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of ( XXXX XXXX XXXX ]. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) [ ( Select one ) modify or delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my malling address listed above. 

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

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I do not own a credit card nor have I ever in my life. I recently checked my credit score and there is a XXXX XXXX card in my name with a XXXX $ balance. I called XXXX and there saying I dont have an credit card account, based off of my name, and social security number.
Product: Vehicle loan or lease

I opened a car Loan with Capital One Auto Finance on XX/XX/2016. I had some mechanicals problems with the car and took it to the dealership. The car never got out and I got an offer to buy a new car. I did so but this car loans keeps appearing as a charge off. It is being reported incorrectly. This account should be closed and stop affecting my score.
Product: Mortgage

Upon review from our children, they inquired why we were paying PMI on our mortgage when there was sufficient equity in our home. Based on appraisal in XXXX, our home value was {$270000.00}. Our loan amount was {$180000.00}. During our refinance application, our loan officer never explained or discussed that we didn't need an FHA mortgage based not they equity in our home nor that we would need to pay PMI for 11 years, when we started out with ample equity in our home. When we tried to inquire about this issue with Rocket Mortgage, they couldn't offer any explanations, other than we needed to speak with someone on the phone not chat or email ( without paper trail ), but ultimately that we were locked in for 11 years or until we refinance. This is very misleading and shouldnt ' have occurred with our LTV at 67 %. We aren't seeking to go after Rocket for the exorbitant fees charged, all we are asking is that our PMI be cancelled as rates are no where near what our current rate is, so refinancing would put us in an even worse financial situation, when we're already struggling to pay our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am emotionally frustrated and disappointed to lodge this formal complaint against the credit reporting agency. Despite my numerous disputes dated XX/XX/2023, XX/XX/2023, and XX/XX/2023, XXXX, XXXX, and Transunion have callously disregarded my previous requests. Their failure to uphold reasonable procedures to ensure the utmost accuracy, as mandated by 15 U.S.C. 1681e ( b ), in the credit reports they publish is deeply disheartening.

According to 15 U.S. Code 1681i, it is clearly stated that XXXX, Transunion, and XXXX are obliged to conclude the investigation within 30 days from the date they received my dispute and provide a response. However, to my immense frustration, I have not received any response, nor have they taken the necessary steps to address the inaccuracies present in my credit report.
Product: Credit reporting or other personal consumer reports

A credit card was opened in my name without my knowledge. XXXX said they canceled it, chase bank said they canceled it and I got letters confirming all of this. It is still showing as an opened card on my account and I can not reach a human even when using there automated system for almost a half hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021.
Product: Checking or savings account

I deposited a check into my account. I received an email that said there would be a 10 day hold on the check. Then the money showed up in my account. So I tried to transfer some money to another account using XXXX. The money was put on a hold. 

Then I tried to login to my account today, and there is a message that says " Your online access has been restricted for security purposes. Please call XXXX from XXXX ET seven days a week to restore access. Press option 2 for XXXXrelated online banking issues. '' Why was my account locked? I know it's me, and nothing weird about what I am doing with my account would trigger a lock.
Product: Money transfer, virtual currency, or money service

OCWEN FAILED TO FURISH 4 FRAUD INDUCED WIRE TRANSFER XXXX REFERENCE NOS, LOAN NO.XXXX. SEND DATE REC DATES.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX  - XX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently satisfied a balance on my credit report. I was under the impression that the item would be removed from my credit but it hasnt. Out of goodwill and faith, I kindly ask that this account be removed from my credit. 

In accordance with the Fair Credit Reporting Act, Enhanced Recovery Company acct # : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

while checking my most recent credit report i found items and inquiries and collections that do not belong to me please validate and remove from my report..
Product: Debt collection

I am filing a complaint because I have received a letter from Jefferson Capital on a debt that I owe to XXXX. I have already contacted XXXX, and they said everything is fine on my account, and that there is no money that is owed. This letter came out of nowhere, and there is nothing to justify the debt, other than me owing money for no reason. I've tried the steps on the letter to check there website, and check the account that I supposedly owed, and the account does not show up.
Product: Student loan

I was the co-signer to a private student loan that my sister took. My sister is still enrolled in school yet FirstMark Services started charging her for payments. The main issue is that my sister- nor I as the co-signer- received no communication that payments were about to resume. I only found out about this because I had a credit card company reducing my available credit limit and I inquired about it. 
My sister has sent them an enrollment verification form but they are still unwilling to resolve this. 
All customer service agents are EXTREMELY RUDE and MEAN!!
Product: Debt collection

See attatched XX/XX/2019 statement. Previous bal {$1.00}, XXXX. OTHER CREDITS {$2.00}, XXXX TOTAL CREDITS for this period are the merchants credits of {$910.00}. OTHER CREDITS {$2.00}, XXXX were temporary credits so temporary credits given at beginning of investigation by USAA policy MUST be MADE PERMANET TO CREDIT THE ACCOUNT. UNLESS the fraud reported was NOT in consumers favor then USAA policy is to reverse the credit BUT IF THE CREDITS ARE INTERNAL HIDDEN NOT THE WHOLE TRUTH PROVIDED ON STATEMENT then I will need EXPLANANTION CONFIRMATION WHY the {$1.00}, XXXX temporary credits were NOT MADE PERMANET yet were reversed. All transactions that have an ( F ) in reference # ARE PREVIOUS FRAUD CHARGES NOT MADE PERMANET BY USAA BUT without making permanet these charges BECOME NEW PURCHASES??? The New Purchases that have an ( F ) in reference # ARE CREDIT REVERSALS NO PERMANET CREDIT PROVIDED BY USAA TO REVERSE THE CREDIT NOT EVER GIVEN. ALL THIS IS HIDDEN FROM MY VIEW INTERNALLY : I am a victim of ID THEFT. I will need Documentation of these Hidden Fraud Credits. Please provide in writing WHY CREDITS WERE REVERSED?? Dates of each PERMANET CREDIT TO ACCOUNT * THAT LOWERED THE BALANCE. IF MERCHANT PROVIDED FEEDBACK TO PREVENT THE CREDIT I WILL NEED THAT DOCUMENTATION FROM THE MERCHANTS. IF USAA REFUSED CREDIT I NEED THAT DOCUMENTATION WHY?? WITH PROOF IN WRITING. Because THE TRUTH IN LENDING STATEMENTS. DO NOT PROVIDE THE " WHOLE TRUTH '' INSTEAD USAA HIDES CREDITS. THIS WOULD NOT BE REQUIRED BUT USAA POLICY IS TO HIDE ALL FRAUD CREDITS INTERNALLY ON TRUTH IN LENDING STATEMENTS.
Product: Credit reporting or other personal consumer reports

XXXX {$2400.00}, Reported to the 3 Bureau Agencies
Product: Credit card or prepaid card

I started a banking relationship with Chase bank, I made a couple purchases on the card and paid back account in full. My accounts were closed within the first couple months. The reason I made such large purchases was to meet the spending bonus that they offered within the first three months. I opened separate business accounts for my business and never even made a purchase before the accounts were closed. I feel that this decision was unfair and unjust. Please open my accounts asap. I have perfect payment history on all my credit. The last four numbers of the accounts are listed below. 

Thank you, XXXX XXXX Chase Account numbers : XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been without my new car since XX/XX/2023 due to a design flaw in the XXXX XXXX XXXX XXXX XXXX. Their inadequate undercarriage protection Ford is putting their owners at financial risk, and costing Federal and state taxpayers for a flawed product. 
XXXX XXXX XXXX in XXXX undercarriage protection is not made of a durable material. You have maybe expected plastic or metal in the past. Now it is a fabric material that I call Fordboard, that tears and leaves the highly sensitive electronic and the hybrid battery open for damage. This happened to me in the XX/XX/2023 storms in XXXX XXXX. I have been without my new car for XXXX months because, not only is the undercarriage not durable, but Ford refuses to divert replacement batteries for repair but continues to make the new cars so they can continue to make a profit with the help of Federal and State tax dollars. 
I was counting on gas savings with the electric vehicle in order to help pay for the car payment. I now have to pay full gas prices as well as the car payment. I bought the car because our family needed to expand our vehicles. I spent extra on this car to help reduce my carbon emissions. There are now more carbon emissions because of this which is contrary to why there are tax credits. Ford is gathering huge profits as a result of the changes to the tax credits, they are one of a handful of cars that are eligible. If they cant fix damaged cars, then the tax credits arent helping.

Ford refuses to warranty the situation. Ford refuses to pay for a loaner or rental car. Ford rejected my requests for financial assistance.
Product: Student loan

My student loans were transferred to Nelnet on XX/XX/XXXX.

My monthly payments immediately increased by {$300.00} even though I was still in an IBR repayment plan ( re-certification was due at the end of  XX/XX/XXXX ). Nelnet instructed me to submit a request to have my IBR plan recalculated immediately, because the IBR plan with my prior servicer was supposedly not available with Nelnet. Nelnet informed me that the review process could take 3-4 weeks. 

On XX/XX/XXXX, I submitted a complete package to XXXX XXXX and Nelnet. 

On XX/XX/XXXX, XXXX XXXX approved the request without requesting any additional information. 

On XX/XX/XXXX, Nelnet informed me that my application can not be processed because the " because the signature on the application was not a valid electronic signature. '' This statement is patently false because Nelnet accepts electronic application submitted through StudentLoans.gov, which would be electronically signed. Moreover, the IDR plan request does not prohibit electronic signatures or require a wet ink signature. 

Nelnet is deliberately delaying the re-certification process to cause borrowers to make a higher monthly payment and to generate fees via forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX charge off for 2 accounts XXXX of 2023, A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. As law 15 USC 1681b states credit agencies must have written instructions from myself giving permission to allow reports to go on my report, therefore was not permitted by me, I ask that this company verify and written permission stating of my permission. As law 18 USC 1028A XXXXXXXX XXXX and any other report has used my personal information without lawful authorization.
Product: Checking or savings account

On XX/XX/2022 I submitted two different disputes with PNC. I originally went online to check and see the date that a transaction posted for an order which I never received- however- when checking my account transactions I noticed a transaction I didnt make at all. So I called to dispute both transactions- one for an order I made and didnt receive and one for a transaction I did not make. I was told that I would receive a credit for each of the transactions within 10 days. I received a credit for one of the transactions ( the one I did not make ) a few days later- but after 2 weeks I still did not have a credit for the one which I did not receive the merchandise- so I called PNC. That rep told me that it was 10 business days that I had to wait and since it was the 10th business day I should have a credit by the end of business that day. The next day I still didnt have a credit so I called again. This time I was told that it wasnt 10 days I had to wait but possibly 30 days. This rep said he usually works in a branch and sees these kinds of disputes all the time and has never seen one take more than 3 weeks. So I waited until the 3 week mark and messaged customer service through the app and was told that it can actually take up to 90 days. The reps continually tell me that I can contact the merchant which I obviously did prior to contacting PNC. They were not helpful when I contacted them. The rep also said it is a non fraud dispute so they take a long time. But I do not understand how it is not fraud? I someone says give me money and I will send you a product but then they dont send it- that surely feels like fraud. I really need access to these funds and I wouldnt have asked PNC for help if the merchant was willing to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Phone : XXXX Dear TransUnion, I am writing about an account on my recent credit report. 14 days ago I had disputed fraudulent accounts on my credit report. On my updated credit report I see that I have a collection account from XXXX XXXX XXXX. This account is a fraudulent account I never had any debt with this company or credit XXXX bank. I ask the company to provide me documents but they never did. I had contact my lawyer about this wrongful doing to my consumer report and plan on taking legal action against this company. I been having hardship because of this fraudulent account on my report. My request is to remove the collection account from my credit report under the FCRA law fraudulent accounts have to be deleted from my consumers report and that I'm not liable for any fraudulent debt. This account has impacted me in my daily life. 


Account Name : XXXX XXXX XXXX Account number : XXXX Date open : XX/XX/year> Balance : {$640.00}
Product: Debt collection

I lived at the apartment complex in XX/XX/XXXX and moved put after lease was up. Moved back in XX/XX/XXXX and had no problem. In XX/XX/XXXX I had a XXXX XXXX and was unable to care for myself and my XXXX  yr old son. I talked to the manager and he asked for letters from my Dr that I was unable to be alone. He asked to clean apartment and leave ready to be rented and he would write a letter that I would be released from my lease. I had the apartment cleaned by a cleaning the company and had carpet steamed cleaned. I had the office come check they said it was good. To come back the following Monday this was Wednesday. I returned on Monday the apartment was rented and he said he was no longer the manager and I would get reported and he would ruin my chances to ever rent unless I paid XXXX. I talked to them numerous times to try to come on agreement but they would not work and said they would keep putting it on my credit report.
Product: Credit reporting or other personal consumer reports

there are unauthorized inquires on my credit report please delete these inquires ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX )