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

Transunion, XXXX and XXXX are reporting late payments on my XXXX account # XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022. If you are unable to verify the items listed above, please remove the late payments in pursuant of 15 USC 1666 Correction Of Billing Errors. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX 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. 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX rep regarding why my account was being reported as late for three consecutive months and requested that it be corrected. I received a letter that waived 3 months payment starting in XXXX thru XXXX. Presented to credit reporting bureaus and the 3 months was changed to XXXX XXXX and XXXX of which the period is still incorrect as I was only late for XXXX as I had a previous months XXXX XXXX and XXXX payments waived as well.
Product: Consumer Loan

I returned my leased XXXX. XXXX to the dealer 1 day before the lease expired. The car was in perfect condition inside and out with only XXXX miles. It received a minor fender bender ( dent ) in the left rear fender which I had repaired. It was a excellent repair job and the only repair on the car. Several days after I returned it I received a bill from Ally Financial ( the lessor ) for a charge of {$580.00} for excessive wear. They claimed I owed ; {$120.00} for previous repair, front bumper previous repair {$140.00}, right fender dented {$160.00}, and fender left {$110.00} grind M?. All of these charges are completely false as the car was in pristine condition and no other repairs had ever been made and there were no other dents that I was aware of. This padding of the bill is just plain fraud in my opinion and these people should not be able to get away with it. I could expect to pay for a simple inspection charge but to lie about this " excessive damage '' is a complete fabrication. They even claimed that the car was dirty inside when it was immaculate. I called the dealer to complain but he was no help and I called Ally Financial and registered a complaint with them and they even called me back, but they said they would get back to me and that is where we left it. Of course, in their statement they said how pleased they were to have my business but if I did n't pay promptly they would report me to the credit reporting agency if I " fail to fulfill the terms of the obligation ''.
Product: Consumer Loan

I was sick 2 times during the life of my current 5 year loan with Santander auto USA I deferred XXXX payments to be added to end of loan and I noticed my maturity date was XX/XX/2017 now it sit shows XX/XX/2017 with a balance of XXXX my payment is XXXX so I called and said payoff for XX/XX/2017 is not accurate I ca n't see how loan will mature in XXXX making XXXX payment on a balance of XXXX the math does not add up I said please explain I spoke to supervisor XXXX she said maturity is not accurate you have to pay after that date to pay balance I said it does not add up or make since she said you deferred I said yes that is why my maturity date is now 6 months out no help just fyi Santander is in current class action for same example I am explaining please help I have never been late in 6 years
Product: Credit reporting or other personal consumer reports

I am writing to strongly oppose your decision to reject my identity theft claim. I question your authority and legal standing to determine whether I have been a victim of identity theft. You lack the necessary expertise or jurisdiction to make such a determination on my behalf. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me, and I am perplexed as to why it is being labeled as fraudulent or high-risk. The documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. Please have these items REMOVED from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

These XXXX XXXX call all of my phone numbers looking for someone else. I've told them to stop calling, but they continue. They don't care. They are liars and I'm sure their response will be a lie also. XXXX.
Product: Checking or savings account

I received a check for refinancing my car with XXXX XXXX drawn on a XXXX check. I did a mobile deposit with Chase and the check was put on hold for 7 business days. The check cleared but put my account in restriction. They stated the number for the company on the check was not valid and they could not verify the check. The company is a real business and print checks daily with no issue. I provided multiple numbers for them to validate the check and Chase refuses to validate and clear the check to my account. SO now I am without the funds and having to repay the finance company for the funds loaned from that refinance check. Check will not release the funds to my account.
Product: Debt collection

I signed up for new service with XXXX XXXX. I had to call and cancel installation twice due to a family and work emergency. I contacted them both times and they said no problem at all and rescheduled a third installation appointment which was successful. I started receiving bills in the mail charging me for services that I had not received from months prior because my service had not yet been hooked up. I talked to XXXX 4-5 times totaling probably 9 hours on the phone, everyone I talked to could see I had never had my services hooked up and they acknowledged the charges were in error. They filed a dispute on my behalf and stated it should be an easy fix. I continued to get a new larger bill each month as the issue was not resolved. They decided it would be best to close that account and start up a new account which I still have today. They said it would be easier for them to fix if the account was closed, this turned out not to be true. today I received a letter in the mail from a collections agency trying to collect the debt. I am appalled that they sent this to collections. I have spoken to probably 20 different people in customer service, their offline team, and the collections department who took one look at the bill and acknowledged I should not have to pay it as I never had the services hooked up. I never received any documentation or communication from XXXX stating my dispute was ever filed or that it was denied. They just sent me straight to collections. Once again I never received the services they are charging me for, they have records showing I never even had a technician install the equipment for this account. Please help me resolve this. 

The collections agency they sent the account to is : Credit Control Corporation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are failing to report the XXXX  partial account number XXXX and XXXX as In Dispute. These dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report to reflect these accounts as being disputed. I respectfully request that this be addressed immediately. I have contacted the bureaus to fix this issue, however I have not been successful. It is a violation of the Fair Credit reporting Act to not report accurate information on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company XXXX XXXX XXXX XXXX to help resolve issues regarding my credit report. An account I had with XXXX XXXX company is still appearing on my XXXX, XXXX, and Equifax credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however XXXX  , XXXX  , and Equifax have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is over 7 years old. They had a duplicate account and one fell off, They refused to take the other account off. I disputed this account about a week ago and they took off paid collection status when I let the credit bureau know that the date of last activity is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH XXXX XXXX  FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. I WILL ATTACH THE LETTER WHICH IS DATED AND TIME STAMPED TO THIS COMPLAINT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Product: Debt collection

I have received calls for many months on my home phone. I generally block these calls, however, on one occasion, I spoke with the representative of the company claiming to be XXXX ( when I asked what that stood for, he said " nothing. ) '' He then started quoting my personal information, social, date of birth, etc. I would not confirm that this was my information. These calls were made during the months of XXXX, XXXX of XXXX on multiple dates.
<P/>
I returned one call, and another person answered and asked. " Are you aware you are being sued? '' I said no. She stated that I had a XXXX XXXX bank loan from XXXX XXXX which I had not paid. She stated that I could settle the claim by paying her {$200.00} by credit card. I have never banked with any such institution. The phone numbers used were XXXX and XXXX. I feel that this was a result of identity theft. In XXXX of XXXX, someone had stolen my identity and tried to borrow {$4000.00} from XXXX XXXX XXXX in my name. I have an agency that monitors my credit and was able to stop the loan. I filed a police report. The matter was resolved. They ( identity thieves ) only had some of my information.
<P/>
I have frozen my credit and issued fraud alerts to the credit agencies.
<P/>
Starting on XXXX XXXX, then XXXX XXXX, XXXX, XXXX, and XXXX XXXX ( XXXX ) ; I began receiving calls from Summit Receivables. When I looked them up on line, like, XXXX, they were referred to as scammers trying to collect debt. One person was XXXX, another was XXXX XXXX, Department Manager. He stated this may or may not concern you. They also state that this is a courtesy call and that I must call to resolve the matter. Again, I have excellent credit but someone has either stolen my info and borrowed money in my name. But these do not show up on my credit reports. I get calls almost daily from multiple XXXX numbers but the call back number is the same, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing stating I was 30 Days late in on this account. 

I might have been 28 or 29 days late. According to the FCRA, you can not report false information. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately updated from the credit file you maintain under my Social Security number to paid on time, never late. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit card

I can not belief that America express denied there loyal customer an increase obase on there credit score, credit score go up and down we have XXXX America express account and never being late on any of our account. but I can see that they did not denied that membership XXXX per year .just week ago they drop our credit to a XXXX dollar just about of a score that drop but ask us to send in our finical information and once they evaluation. then they put back up to XXXX on all the account it so unfair to be denied credit increase just because we are XXXX XXXX XXXX they think that you y can pay you bill but ask them how many navigation in our credit history report. never missed any payment never being late on time with all my credit account balance sheet good and they once to deened my credit increase how about denied membership that they charger the public. it unfair to the XXXX XXXX people now I want a XXXX increase basis because I.am qualify to have it. and let be clear about it. if I do not it just take. but they no I will pay it because like before I always pay any statement that that came in my mail box came in my plus the XXXX membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass. My credit report has to be 100 percent accurate which is not as you can see double accounts, with advaausale. And XXXX is all wrong.
Product: Bank account or service

I deposited XXXX state checks from my XXXX retirement fund, in person at chase on saturday XXXX XXXX 2015 at XXXX. Both the checks were over XXXX k but both are state or local government issued checks. I was planning on using some of this money to buy XXXX presents for my kids. The teller casually told me after i asked that it would be 2 days to clear ok no prob. But i look on reciept and it says XXXX XXXX. I have a credit uniom i can take them to that would make them available sooner. From what i read of cc federal reserve regulations this is a violation. Because i deposited a local government check in person i believe 2 days is the max hold. Am i wrong, and can i get the checks back monday morning so i can take them to credit union?
Product: Credit card or prepaid card

I obtained my credit file feom all 3 ctedit reporting agencies and found 3 different accounts being listed syncb.

1 was for a paypal mastercard and 2 accounts for a Walmart credit cards. None of which are mine. I wrote a certifed letter aking them for verification or removal. I sent this certified on XX/XX/2019 and the recieved it and it was signed for. I got a response for 1 of these stating i need to close my account and to report it. Its not my account. They even spelled my name wrong. I have never had a paypal credit card through any company nor even 1 walmart credit card. These are not mine.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or
authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024. I call Wells Fargo and closed my credit account dur to hardship. I was assisted with setting up auto pay for the account and have payments taking out the account monthly. We discuss the status of the account and how much I can pay etc. We came to an amount of {$220.00}. We discussed that this was best choice for this account. Discussed this will not be reported late, will pay less interest etc. The money was set to begin being pulled on XX/XX/year>2024. I spoke with the rep and was assured this payment arrangement is fine, no pate payments would happen, account would report satisfied and paying on time. On XX/XX/year>2024 I get an update that Wells Fargo has reported this late 30 days. Again, why?? I was assured this wouldn't happen, the payment could have been made on XX/XX/year>2024 but was assured not necessary and beginning on XX/XX/year>2024 would be fine and safe. Please HELP FIX THIS. THIS HAS IMPACTEE MY CREDIT AGAIN. The autopay was to prevent this from happening, this is not correct or fair. Called XX/XX/year>2024. Spoke with 2 reps of which, XXXX presented as team lead and was argumentative, rude, very bothered and poor/horrible customer services skills and deserves to be FIRED!! I hope they go pull all the tapes and listen, especially when setting up this account and hold your staff accountable for this huge costly ERROR.