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

To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding XXXX XXXX XXXXt {$420.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Deletion XXXX XXXX XXXX Account/ Violation of Privacy Dear Sir/Madam , I am writing to formally request the immediate deletion of my account with XXXX XXXX Acceptance and to report a violation of my privacy rights by TransUnion. I did not provide oral or written consent for TransUnion to share my personal information with third-party companies, specifically XXXX XXXX XXXX XXXX XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, section 602 ( a ), it is imperative that consumer reporting agencies operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. The FCRA emphasizes the need for accuracy and fairness in how my personal information is handled by Credit Reporting Agencies ( CRAs ).

Furthermore, 15 USC 6801 establishes that financial institutions have an ongoing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. The actions of TransUnion in this case indicate a clear mishandling of my personal information, which is alarming and unacceptable. 

I urge the CFPB to hold TransUnion accountable for these violations of the FCRA and to ensure that my rights as a consumer are upheld. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.
Product: Debt collection

Firstly, the entity reporting on my credit is not a factoring company as stated on the credit report but is a collection agency, which is a violation of Section 15 USC 1681s-2 ( b ). Additionally, this entity has not extended me credit, as implied by the entry on my credit report, which is another violation of Section 15 USC 1681s-2 ( b ).

Secondly, I do not have a credit limit with this entity since they have not extended me credit. This is a further violation of Section 15 USC 1681s-2 ( b ). Likewise, I do not have a past due balance with this entity, as credit has never been extended, constituting yet another violation of Section 15 USC 1681s-2 ( b ).

Moreover, there are no " 1 month '' terms as stated in the entry. Since this entity and I have never entered into a credit agreement, there can be no credit terms as reported, violating Section 15 USC 1681s-2 ( b ). This entity is also reporting that I opened an account with them in 2010, which is impossible since I never entered into an agreement with them, violating Section 15 USC 1681s-2 ( b ).

Furthermore, this entity is reporting monies " past due '' when there are no terms between them and myself, another violation of Section 15 USC 1681s-2 ( b ). They are also reporting an inaccurate payment history, which is adversely affecting my credit scores and is done on purpose to coerce payment, constituting a final violation of Section 15 USC 1681s-2.

These actions by the entity demonstrate a clear lack of consent on my part, and no consent equates to theft. The entity has misrepresented information, causing unauthorized harm to my credit profile and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax previously responded to my identity theft complaint citing : " Please be advised that inquiries are a factual record of file access '' 15 USC 1681 d-2, states that a consumer report excludes information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681 e, states that an investigative consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality
Product: Debt collection

I am writing to request your help with TD Bank. I dont know what else to do. So I hope to have a fair solution to this issue that XXXX XXXX  has cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ). 

The account I am writing about is the following : FTC REPORT NUMBER : XXXX Account:XXXXxxxxxx Date opened XX/XX/XXXX. Status Closed. {$0.00} balance. 

I am demanding XXXX XXXX  to remove this related to fraud item or I will need to take this issue to court with all my proof.
Product: Student loan

I signed up for student loan servicing through XXXX XXXX/Equitable Acceptance in XX/XX/XXXX. The service was pitched as a student loan relief/forgiveness program. I was told that XXXX XXXX/Equitable acceptance would significantly lower my monthly payment on my loans for two years and then I would have a XXXX  balance on my student loans after that time period. I started making payments XX/XX/XXXX.I was told my monthly payment was {$60.00}. I later found out that Equitable Acceptance was taking {$49.00} of that payment and paying XXXX to student loans. I was told they would manage my account and then in XX/XX/XXXX, my balance due skyrocketed and all my loans were due. It turns out that XXXX  XXXX  entered me into a repayment program that needed yearly recertification based on income but I was never notified that recertification was due. When I called them, they had me go through a recertification program but now my payments jumped to almost {$300.00} per month. When I told them it was too high, they said there was nothing I could do, the payments were based on income and my XXXX. I ended up calling XXXX myself and they were able to sign me up with a different program and lower my payments by almost half, while Equitable Acceptance continued to charge me $ XXXX/month. Since XXXX XXXX and Equitable Acceptance have not actually been servicing my loans and are unable to provide any student loan relief, I tried to cancel with them but they said I could not cancel until my entire {$1000.00} balance is paid off ( a balance/fee I was never notified of and never agreed to ). They haven't provided student loan relief, they simply signed me up for a program available to everyone that I could have signed up for on my own and then charged me a bunch of money to " service '' my loans, and then failed to do any actual servicing. I can't get anywhere with them. They are telling me I can not speak to a manager, and that if I do not pay the balance then it will go into collections. It's a total scam.
Product: Vehicle loan or lease

GM Financial is the company I used for my auto loan. They were incorrectly reporting information on my credit which caused so much damage to my financial situation. I paid off my car loan over 3 months ago and have yet to receive the title for my vehicle. I contacted them and was told I had to wait 45 days. It's now 3 months and still nothing. Dealing with this company has been a total nightmare and would never recommend anyone to take a loan from them. They completely damaged my credit and I'm not sure how to fix what they have done.
Product: Credit reporting or other personal consumer reports

Experian North American Headquarters XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear sir, Recently, I received the credit report from your company dated XX/XX/XXXX. In this report, I realized there are discrepancies on what I paid to XXXX every month from my personal bank and the amounts which your company reported as follows : Actual Amount Paid to XXXX from Bank Amount written on the credit report provided by your company XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since your previous many letters indicated that I should contact any questions regarding this matter, I am gladly contact with my main bank regarding this matter to clarify. 
Also, recently, I have received a credit report from XXXX, toward which I was asked to file by the district court of New Jersey in XXXX by paying {$400.00}, even though I was asked by the court. It did not mention my XXXX XXXX at all in it. However, you kindly indicated increased XXXX XXXX in your credit report. As far as I understand it means XXXX hesitation to comment on XXXX XXXX, due to the unreliability of credit reports themselves from several credit report companies. Therefore, would you tell me how will you state your credit report, and score are reliable to be mentioned officially since your company continuously indicate the results of unreliable data and information? 
Sincerely,
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year> 2025
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried twice through Equifax to get this debt from XXXX XXXX XXXXXXXX validated because i have never had any business connection to them. It states that they are collecting a bill for XXXX XXXX of XXXX from XXXX of 2016. Both times they return the bill as valid but no proof. I have XXXX service for the last 6 years and my XXXX service is over 10 to 15 years old. This is affecting my credit score and i want it removed. I believe this debt has been sold several times and XXXX refuses to send me any info validating the true debt. Balance {$490.00} Highest Balance {$490.00} Opened XXXX XXXX, 2016 ( 1 yr, 2 mos ) Account status open Type - Responsibility Individual Remarks Consumer disputes account information Original Creditor Name XXXX Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX **Subject : Dispute of Unauthorized Credit Inquiry** Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

**Details of the Unauthorized Inquiry : ** - **Date of Inquiry : ** XX/XX/year> - **Name of Creditor : ** XXXX XXXX XXXX XXXX  via Dealer - **My Full Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** XXXX XXXX XXXX XXXX, XXXX, TX XXXX I XXXX request XXXX you : XXXX. Investigate this matter and provide documentation proving that I authorized this inquiry. 
XXXX. If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report. 
XXXX. Provide written confirmation of the removal of this inquiry and any correction made to my credit report. 

Enclosed with this letter, I have included a copy of my credit report highlighting the disputed inquiry, and a copy of my identification. 

I appreciate your prompt attention to this matter and look forward to receiving a response within 30 days of your receipt of this letter. Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX. 

Thank you for your cooperation, integrity, and diligence. 

Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of Credit Report, Copy of ID ]
Product: Credit card or prepaid card

While travelling to XXXX on business. Me and a coworker went out on our last night to see some of XXXX. XX/XX/XXXX. The last place we went late night was a XXXX bar called the " XXXX XXXX XXXX ''. We were there between 1 and 1-1/2 hours. I bought drinks for myself and 3 others  because I had the only card which was working in XXXX. We were running late and in a hurry when I asked for my bill. I asked her to just tell me in US dollars please. She told me around {$180.00} dollars. She ran my card and told me it declined. I gave her another card which is my person small business card. She then gave it back but said that actually my original card went through after all. It was loud and dark and somewhat confusing but we ran out of there to catch the train to our train. I didn't think of it until my card showed a charge of {$2200.00} when it posted XX/XX/XXXX. I tried to have a XXXX counterpart contact this establishment. They could not. I can not find it online. It was obviously a scam I fell into, I contacted Chase and talked to many people. They say its too late because it already processed. They say because I handed them my card and authorized a charge and should have had time to review it, that I authorized it. 
Although there are some fuzzy details, There are some that are not. I did not authorize that charge or anything near that charge. I did not ask for any goods or services which would have been such a charge. I was making a conscious decision to drink at a level that would not hinder my ability to remain safe in a foreign country. I only purchased normal alcohol consumption for 4 persons. At the time I believed the {$180.00} was excessive but let it slide in light of having a good time in XXXX.
Product: Money transfer, virtual currency, or money service

I sent a XXXX payment of {$850.00} to XXXX to rent a room she kicked me out for talking to much. Charles refused to give me my money or protective my money from someone doing rental scams
Product: Credit card

this account is a corparation account im not on the corparation account i dont have no percentage of this account
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to find a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This account status of XXXX XXXX Account # XXXX status has been inconsistently updated. On XXXX status is " CLOSED '' On Equifax status is collection/chargeoff and on XXXX status is 120 days late. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX REFUSED TO UPDATE MY PERSONAL INFORMATION
Product: Debt collection

A GreenSky rep called me on XX/XX/2020 XXXX XXXX ) to ask if I had opened a credit with them for a XXXX  office. I said no, I have no idea who either the company or the XXXX  office is. She verified my name and address but when she wanted to verify my SS #, I said no. I was told that the XXXX XXXX name was XXXX XXXX XXXX in XXXX, CA. This woman also told me that they would send me a letter regarding the fraud. I also called the XXXX  office ( XXXX ) and we mutually verified that it was a fraud as we didn't know each other. I called back the number in XXXX and could not get through. Today I received a bill for {$20000.00} from GreenSky. They had a number on the face of the bill ( XXXX ). I called them three times today, XX/XX/2020 ; they started to give me general information but when I attempted to get information on this specific bill, the line started to be scrambled and they hung up on me every time.
Product: Bank account or service

On XXXX/XXXX/2015, PNC Bank accessed my XXXX personal credit report. PNC had no permissible purpose to access my report. I have no business relationship with PNC. I have never applied for an account with PNC, or otherwise had contact with PNC. 

I do not believe this to be an issue related to identity theft. I believe PNC knowingly and willfully accessed my report improperly for the purpose of offering me credit, and did so without my permission. 

I wrote to PNC seeking an explanation for their impermissible viewing of my credit report. PNC did not reply to my inquiry.
Product: Mortgage

On XX/XX/2019 I received a letter from SunTrust Bank stating that I needed to provide evidence of flood insurance for my condo. On XX/XX/2019 I uploaded to the SunTrust secure website evidence of flood insurance provided through the XXXX XXXX XXXX XXXX  per the instructions provided in the letter I received. On XX/XX/2019 I received a 2nd letter stating they had not received evidence of flood insurance for the condo and that they were going to force place flood insurance. I called the SunTrust insurance departmeny on XX/XX/2019 and the representative acknowledged they had received the evidence of flood insurance and he was going to escalate the issue. On XX/XX/2019 a {$4900.00} flood insurance policy was forced placed on my condo and my escrow account was charged the premium. On XX/XX/2019 I contacted the Suntrust insurance department and they again acknowledge they had received evidence of flood insurance on my condo and they were escalating the issue and to check back in 3 business days. On XX/XX/XXXX I contacted them again and they said they would contact me back with an update. As of today, XX/XX/XXXX, I have not been contacted and the issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balanceed Owed : $ XXXX XXXX  XXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$3100.00} XXXX XXXX Balanced Owed : {$250.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$1000.00} XXXX XXXX  XXXX Owed : {$0.00} XXXX SER XXXX Balanced Owed : {$250.00} XXXX  XXXX Reference # : XXXX Date Filed/Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX SER XXXX XXXX XXXX : $ XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

check into cash is charging me excessive interest on my title loan. When I make my payment which is {$880.00} a month most of the money goes to the interest. Most of my payment should go to the principal. The manager told me also my payment is never going to be any lower.
Product: Debt collection

This company suddenly began calling about a debt that was a result of an audit done in 2013. we were never informed of the outcome of the audit and assumed it was because the Insurance Company went out of business. It took multiple requests to even get a copy for this audit. I was told I was a liar, I was stalling, my agent was a liar etc. They threatened legal action, impersonated a law firm, threatened to have our current insurance cancelled and even put us out of business. My agent even called them and asked them to stop collection attempts, as we were disputing the audit directly with the Insurance Company. There have been calls from XXXX different people from this firm. XXXX have been the most vicious and abusive people I have EVER encountered in my life. I have been called every name in the book while trying to communicate with them.
Product: Debt collection

HAVE NO KNOWLEDGE OF THIS COMPANY NO WRITTEN NOTICE OF THIS COMPANY NEVER DID BUSINESS WITH THIS COMPANY NO WRITTEN NOTICE PROVIDED FROM THIS COMPANY NO PROOF PROVIDED FROM THIS COMPANY CONFIRMING THE LEGAL RIGHT TO CONTACT ME NO ORIGINAL PROOF NO AUTHORIZATION FROM THIS COMPANY THAT PERMISSION FROM MYSELF TO PROVIDE INFORMATION THAT THEY BELIEVE TO BE TRUE FROM MYSELF