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

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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 a account without my written instructions. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. 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 instructions. This is in clear violation of my rights. 
This has caused XXXX XXXXXXXX, hardship as well as XXXX XXXX to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against the consumer reporting agency Experian because they refuse to remove incorrect information that is listed on my credit report ; namely, an inaccurate address. According to 15 U.S. Code 1681i ( 5 ) ( i ) the bureau shall " 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 ; '' Furthermore, 15 U.S. Code 1681i ( 4 ) states, " In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. '' I have sent letters to Experian, XXXX and XXXX about incorrect personal information on my reports, and the only CRA to not remove the inaccurate address is Experian. I have contacted Experian about this particular address by mail a total of three ( 3 ) times. The first letter I mailed to the bureau was in XXXX. I no longer have a copy of this letter, but I am attaching the dispute results I received from Experian which include the report number assigned by Experian, and the date the report was generated. Along with this letter I sent a photo of my valid driver 's license and a bank statement as supporting documentation of the correct address. The screenshot also shows that all incorrect address information was removed from my credit report EXCEPT the inaccurate address of XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I sent a second letter for removal of ALL inaccurate personal information to Experian on XX/XX/XXXX, and I have attached a copy of that letter as well. The results of this dispute were the deletion of all inaccurate personal information except for the above referenced inaccurate address. The third letter I sent to Experian requested only the removal of the inaccurate address. It was mailed on XX/XX/XXXX, and I have attached a copy of that letter. In addition to a copy of my valid driver 's license and bank statement, I also provided a paycheck stub from my employer as additional documentation of the correct address. I have included attachments of all documents sent to Experian. After all these attempts Experian still refuses to remove this inaccurate address from my credit profile, which puts them in violation of the above mentioned FCRA regulations since they willfully refuse to remove inaccurate information from my report, as well as disregard the supporting documentation proving the correct address that should be listed on the credit report.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Bank account or service

My concerns involve PNC Bank. 
A transaction on my credit card was disputed with PNC. The dispute was eventually resolved by the bank fairly and in my favor. The resolution was a long time coming after being misled, deceived, and ignored by the bank for several months despite all my diligent efforts. Prior to the resolution, a status update regarding the dispute was requested using direct message on XXXX. This took place on XX/XX/2016 at XXXX. Since then communication has been interrupted by PNC on twitter. PNC informed me they would let me know why this happened in a specified timely manner. Since then I made countless phone calls, initiated other means of XXXX contact, sent online banking direct messages, sent XXXX messages, and exchanged numerous emails all with PNC. XXXX cases have been generated by PNC. They are being uncooperative with providing me with any status update on the cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$280.00}
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH AT & T AND EQUIFAX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of XX/XX/1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805.
Product: Checking or savings account

Greetings, on XX/XX/XXXX I filed a fraud claim with my banking institution in regards to my phone and credit cards stolen and they have responded that my claim is not fraud, now mind you I file the incident on the XXXX of XXXX and they responded to me back on the XXXX of XXXX without even contacting me to find out if I am ok or to find out what really happened to me as a customer. 
I had XXXX on the XXXX. of XXXX and I've been under XXXX XXXX to help alleviate my suffering. I will attached all documents and dates so you can see that I have been in and out of the hospital and also, I caa n't even XXXX because I have been diagnosed with XXXX XXXXXXXX XXXX of the XXXX and it is in both ( XXXX ), now, I can't move the only place I have gone is only the hospital for XXXX, removing XXXX, more XXXX and tests and so on. 
Navy Federal is so unjust, I filed also another claim for {$42.00} for a store purchase that sold a damage item and I return it back to the store the following day and I made sure to call Navy Federal the same time and instead of them fighting for me they are putting through pain like I am the crook, they don't fight for us military and our families, they are only interested in making money from us and that is all that is important to them. How can you say you are here to serve the XXXX XXXX and yet you are the one that is allowing for others to mistreat us and take our hard working benefits. 
I have my direct deposits going to Navy Federal every months and it is above XXXX dollars where they are benefiting from interest from evereyone 's benefits and earnings. So Navy Federal be fair and just and don't treat us like the criminals, I know you have a lot of power you're a big company but it is not the reason to step on the little people. 
I don't need to make any stories I am an honest individual which is why I am attaching all the documents.
Product: Vehicle loan or lease

I contacted this company trying to get them to release the electronic title so Idaho could send me my title after paying my truck off in XXXX, XXXX  ( it is now XXXX, XXXX  ). 

XXXX XXXX refused to contact XXXX to release the title via ELT program after financing my truck through them and paying over {$XXXX}. 

I still have no resolution and no title proving ownership to my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my Experian credit report that i do not recognize. I have contacted Experian and the companies that have reported this information and i have gotten nowhere with either of them. The inquiries on my report are XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for my account with XXXX. These late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, which provides for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Acts requirements. 

Summary of the XXXX account errors Incorrect Late Payments : All bureaus report a 30-day late payment, despite on-time autopay setup.

Inconsistent Account Status : Account is marked " Paid '' but shows late payments, which is contradictory.

Varying Reporting Dates : Each bureau lists a different " Last Reported '' date. 
Credit Limit Discrepancy : XXXX and XXXX report a {$250.00} limit, while Equifax inaccurately shows {$0.00}. 
These errors violate FCRA standards, and corrections are needed for accurate reporting. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a payment on my account through your IVR - when that payment didn't clear my account i called and spoke to an agent. I asked why it didn't clear my bank as of yet and the agent said they had no idea, they didn't see any issues on their end. Low and behold i started getting collection calls because my payment was returned for " invalid account '', i tried to go online today XX/XX/XXXX to pay the balance and your website said the account i was trying to use was invalid so i couldn't do that. I texted w. an agent through your secure chatline and they refused to waive the fee for me - oh by the way, the canned responses they sent didn't even make sense ... why would i have evidence from my bank for a late fee and finance charges you billed me? Someone from your comms team should look @ that ... anyway i called in to speak to an agent - obviously routed to collections because i am past due - i paid the bal in full w the agent - USING THE SAME ACCOUNT # From the IVR payment and the SAME ACCT # i tried to type into your website that you said i could not use. I asked to have the LF & FC removed as you can see I am a PIF CM, but like a robot your agents can not think outside of the box because your system said it was not a bank error. The agent said they would log a complaint for me, to which i responded that no one would ever even read it in the mix of the 1k of complaints you get on a normal basis, so i am logging this w. the CFPB in hopes someone has the ability to think outside of the box and see that these fees should be adjusted based on the circumstance. I paid, i called to ask why it hadn't cleared, and i just paid again - i am not gaming your system, i am trying to pay my bill. Look @ the line you gave me, i clearly have good credit, but i have zero issue closing this card and using another. I charge thousands on my cards monthly and always PIF. So in short, i would like LF and interest billed removed from my account.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally file a complaint against Transunion for their continued failure to investigate and remove inaccurate information from my credit report, despite multiple disputes filed by me. Transunion is not in compliance with federal laws under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy of my credit report.

15 U.S.C. 1681s-2 Failure of furnishers to correct and update information that is inaccurate.

15 U.S.C. 1681i ( 5 ) Failure to properly reinvestigate and delete inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681c ( c ) Failure to remove outdated adverse information from my report.

Despite multiple written disputes, TransUnion has failed to conduct a proper investigation and continues to report inaccurate information that is harming my creditworthiness. This negligence and non-compliance with federal law have caused me financial harm and undue stress. 

I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate TransUnion failure to comply with the FCRA. I also demand that TransUnion promptly correct the inaccuracies on my credit report and provide written confirmation of these correction in the list below XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have caused me hardship financially for a long time I request help with this situation they have no record on my credit report that I disputed with them at all Thank you for your prompt attention to this complaint. 

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

In accordance with the fair credit act account # XXXXXXXX XXXX XXXX  has violated my rights. The late payment reporting date XX/XX/2021 is inaccurate.I never made late payments. During covid a lot of peoples info was mixed up .It needs to be deleted.also inquiries XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. During Covid the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing to address a pressing matter regarding my account with XXXX XXXX XXXX XXXX, Account Number XXXX, which is currently inaccurately reported on my credit report. This discrepancy is not only undermining my credit standing but also infringing upon my rights as a consumer under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports. As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. Given this definition, I am formally requesting that XXXX XXXX XXXX XXXX take immediate action regarding the inaccurately reported closed account on my credit file. Specifically, I urge you to promptly update the status of Account XXXX XXXX to reflect that it has been paid in full. This account was initially opened on XX/XX/2019, and has since been closed. Any outstanding balances associated with this account have been fully settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also significantly detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account to prevent any unwarranted negative impact on my creditworthiness. I trust that XXXX XXXX XXXX XXXX will address this matter with the urgency it warrants and in strict accordance with the provisions outlined in the Fair Credit Reporting Act. Furthermore, I anticipate receiving confirmation once the necessary actions have been taken to update the status of Account XXXX XXXX on my credit report. Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me at your earliest convenience. Thank you for your prompt attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.