23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I opened a care credit card on XXXX made a charge the same day. Never received a statement nor the actual card. However, Synchrony found it fitting to generate a statement XXXX days after the opening of the card and set a due date for XXXX, less than XXXX  days after the opening and initial charge. This is the information that was shared with me by Synchrony via online chat. They managed to send me a text message to remind me of my balance but did not send a statement. 

This is the second time Synchrony has implemented this practice with me. The XXXX  time was with a XXXX card. I have NEVER had any credit card company to set a due date for less than XXXX days of the initial charge. This feels like predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 TransUnion refused to let me dispute a hard inquiry. TransUnion said that inquirys stay on my credit report forever. I told them I had inquirys removed in the past and the TransUnion rep hung up in my face!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/XXXX, after I seen my XXXX XXXX reporting balance was incorrect. The Balance for the month of XXXX should be {$3.00} not {$300.00} and its still havent been corrected.
Product: Student loan

Suntrust Bank acquired several fraudulent student fin'l aid loans in my name. They refuse to discuss these with me and provide chain of possession information about them.
Product: Credit card

In XXXX of this year, my partner and I went to XXXX XXXX XXXXXXXX XXXX. I used my Discover credit card there, and came home to find someone had used my credit card with a purchase at a XXXX XXXX XXXX XXXX, with a fake address. I disputed this claim and was refunded, and closed my card. This occured XX/XX/XXXX. I have had XXXX more charges at this XXXX XXXX XXXX XXXX. I have never used my credit card for a {$140.00} XXXX XXXX purchase and there is absolutely no subscription they offer, even if for that much. Discover refuses to refund me the money, and I keep telling them it is not me purchasing anything for {$140.00}. So now I have XXXX charges for {$140.00}, and XXXX that I have now had to pay back, XXXX happening on XX/XX/XXXX which was my nost revent dispute, and NOW a XXXX for XXXX last week on XX/XX/XXXX, which I didn't even go to a Market District then! They refuse to dispute me and keep letting the merchant win, calling the charges valid. This has happened 3 times with the exact same amount in multiple months. I can't even afford to spend {$140.00} at a XXXX XXXX! There are no addresses or anything tagged with these charges which there usually is. No information, nothing. I have already had my card stolen by a skimmer once.
Product: Credit reporting or other personal consumer reports

According to Section FCRA 605b, it is illegal to report anything on my credit report and file without my permission. Please remove from my credit reports. No permission or consent was ever given by me. Furthermore, these accounts are charged off and in collections and per 15 USC 1681 - Validation of Debt has been violated. They have not provided the original copy of the debt. That leads into 15 USC 1692 - Unfair Practices. 

Please remove the following accounts : 1 ) Account name XXXX XXXX Account number : XXXX Account type- Credit card Responsibility - Deceased ( Incorrect reporting ) I am not dead. Please remove account. 

2 ) Account name XXXX XXXX XXXX Account numberXXXX Account type - Credit card Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$2.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 

XXXX ) Account name XXXXXXXX XXXX Account number : XXXX Account type - Credit card Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XX/XX/XXXX Balance - {$2300.00} Balance updated - XX/XX/XXXX 4 ) Account name XXXX  XXXX Account number : XXXX Account type - Credit card Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XX/XX/XXXX Balance - {$3600.00} Balance updated - XX/XX/XXXX 5 ) Account name XXXX XXXX XXXX Account number : XXXX Account type - Auto Lease Responsibility - Individual Date opened - XX/XX/XXXX Status - Account charged off. {$48.00}, XXXX written off. {$48.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XX/XX/XXXX Balance- {$48000.00} Address : ON my report it is listing a fake address I never have lived at or resided at. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( I have never ever resided or lived at a address or in a town of that name ) You have failed to remove it time and time again. 

The credit reporting agency 's failure to investigate, remove and update my credit file has lead to adverse and negative harmful actions in regards to my borrowing and creditworthiness.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint to dispute the inaccurate and inconsistent reporting of an account related to XXXX XXXX XXXX XXXX across different credit bureaus. Specifically, under 15 U.S.C. 1681e ( b ), I have identified several discrepancies that require immediate correction. After thoroughly reviewing my credit reports, the following issues have come to light : Reporting History : The payment history associated with this account varies between the credit bureaus.

The Date Closed also differs.

Account Information : The reported Date Opened and account details differ significantly across the credit bureaus.

Account Type and Remarks : The account type and remarks provided in the reports are inconsistent.

Last Date of Activity : The last date of activity reported for this account varies between the credit bureaus, with differing remarks across the reports.

These inconsistencies suggest improper updates that are misleading and harmful to my credit report. Despite these issues, your investigation results show the account was allegedly updated as accurate according to File Number : XXXX, Date Issued : XX/XX/year>. 

Additionally, I believe that the failure to properly investigate this account has resulted in the continued reporting of incorrect information. This neglect violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. 

Given these ongoing issues and the failure to correct them, I formally request that XXXX XXXX XXXX XXXXXXXX be deleted from my credit report immediately. This neglect violates my rights under the FCRA, and I expect prompt corrective action. 

I have included copies of my credit reports, highlighting the inconsistent reporting across multiple credit bureaus, as well as a copy of the dispute results from File Number : XXXX, Date Issued : XX/XX/year>. 

Rights Under 15 U.S.C. 1681n If this issue is not resolved, I will exercise my rights under 15 U.S.C. 1681n, which pertains to civil liability for willful noncompliance under the FCRA. Key provisions include : Willful Noncompliance : Any person who willfully fails to comply with FCRA requirements is liable to the consumer.

Damages : Consumers may recover actual damages or statutory damages ( from {$100.00} to {$1000.00} ), as well as punitive damages and attorney 's fees.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Student loan

Following the Biden Administration 's announcement about student loan forgiveness, I contacted EdFinancial to inquire about a refund for student loan fees I have paid since XX/XX/XXXX. On XX/XX/XXXX I called and waited on hold for more than XXXX hours to speak with a representative. During that call I asked about the process for requesting a refund and was told that it would take XXXX months for the refund to be processed. I asked for clarification on how this would affect my ability to receive the student loan forgiveness, and when my loan balance would be reinstated. EdFinancial could not give any answers, and then the call dropped. EdFinancial did not make any attempts to call me back. During that call I also asked EdFinancial to please confirm to me the amount I had paid since XX/XX/XXXX, and EdFinancial could not confirm the amount and did not even attempt to do so. ( My loan was transferred from another provider, XXXX in XX/XX/XXXX, and my payment history for more than a decade prior to that no longer appears in XXXX  and does not appear in my EdFinancial account. ) On XX/XX/XXXX I called again and waited to be called back. EdFinancial did not call me back the entire day, or any day after. I then used the customer service chat feature and spent XXXX XXXX speaking with and waiting for responses from another representative. This time I was told it would take at least XXXX business days for the refund to be processed. I again inquired about when my balance would be reinstated, and EdFinancial did not know. I then asked whether I would be provided written confirmation of 1 ) my refund request 2 ) the amount to be refunded 3 ) EdFinancial 's guarantee that my balance would be reinstated before the student loan forgiveness was processed, and 4 ) that I could cancel the refund request at any time before it was processed. EdFinancial told me they could not provide anything in writing.

I understand that EdFinancial, like other loan servicers, is trying to implement major changes due to the announcement ; however, as a customer, this refund timeline appears to be much, much longer than that of other loan servicers, and it is extremely concerning to me that EdFinancial could not even tell me my payment history or give me enough information to make an informed decision about whether to request a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
Sometimes they do not response at all, sometimes they send letters saying it isnt me and they have not fixed the error on my credit report. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this. This is why I need your help!
Product: Credit card or prepaid card

My wallet was stolen from my purse at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/2018, filed police report. 

Fraudulent charge made on my Wells Fargo Credit Card of {$1200.00} at XXXX XXXX in XXXX XXXX, CA I received a letter dated XX/XX/2018 informing me that the fraudulent charge of {$1200.00} and that I had reported on XX/XX/218 to Wells Fargo Fraud Department is now my responsibility. 

I wrote a letter to Wells Fargo Credit Card Fraud Department to remove fraudulent transaction since my wallet was stolen.
Product: Vehicle loan or lease

The dates I am note actually sure. I brought an used vehicle and when I test drive it I had no issues so I then proceeded with purchasing it. After driving a while the car would jerk and than stop I spoke with the salesmen and Advised him of what was going on and I also took it to be tested and there was something wrong with the engine valves I was then told the car wasnt worth the money. After getting an oil change I woke up to go to work the car would not start. I had the vehicle towed to my mothers home so it could be looked at the tow truck came and repossessed the car I was walking out to give them the keys and they drove off really fast. I feel like I should be relived or have and very low pay amount being that I was sold an bad car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these public records with trans union and they refused to remove the public records, they advised they verified the information, I Sent a letter to the XXXX XXXX of Michigan courthouse and I asked if they report bankruptcies To the credit bureaus, they said they do not report to anyone how did they verify this was accurate. According to section 602 states that I have a right to privacy 15 UCC 1681 604 a section 2. They never did a fair investigation according to US C 15 181 section 603E which states the term investigated consumer report or portion thereof are obtained through personal interview
Product: Checking or savings account

Well I been getting my XXXX check deposit on my chime account and all of a sudden when I went to check see if I got my check on the XXXX I always get it on the XXXX and when I check my chime for my XXXX check and try to take money off my chime card the ATM declined it and when I try to log into my chime account after my XXXX check was deposited chime closed my account And I can't called them and see why they closed my account after I got my XXXX check u have to have a account to call them
Product: Credit reporting or other personal consumer reports

XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!!

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This happened during the night of XX/XX/2018 on the website store of XXXX XXXX XXXX/ So I tried to purchase the XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX using the XXXX code to knock off 40 % from the full price of {$390.00} down to {$230.00}. At the shopping bag page, there was a promo advertising that if I opened a XXXX XXXX credit card that another 25 % off would be applied to the purchase, bringing down the final price lower to {$170.00}. So I opened a XXXX XXXX credit card account, and took the subsequent credit score hit from the inquiry. 

Once I tried to checkout though, the 25 % promo would not apply. So I called their customer service line and I was informed that, even though it was clearly advertised on their website in the shopping bag before checkout, that they would not honor this promo. 

I am attaching a screenshot of the shopping bag page that was shown to me during my transaction. Please forgive the added text for emphasis as this is the same screenshot I sent them via email to emphasize their misleading promotion.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

The loan that I am paying to the company, XXXX XXXX XXXX, is too high and the company makes it a difficult and long process to make the payments. I discussed with XXXX XXXX XXXX that I want to make payments from my debit card by calling in and making the payments, instead of getting the payments made directly from my bank account. I was told this wouldn't be a problem. The first payment I called in to make, XXXX XXXX XXXX marked the payment as paid, but the funds were not taken from my account. I made this call on XX/XX/2019. When I saw my bank statement and realized the funds were not applied, I called to have it processed on XX/XX/2019. The total payment for {$130.00} was made that day. The process took nearly XXXX minutes. I was then told that when they played back the recording, XXXX at Last allegedly said that they had me saying to make the initial payment of {$100.00} on the following Friday, XX/XX/2019, and the remaining {$31.00} would be made XX/XX/2019. Since this payment, every following payment has been made on Friday 's. The phone process, for some reason takes nearly 30 minutes of long waiting, representatives saying that the debit card payments have to be made from a supervisor, that I unable to be put in direct contact with, and my payments accrue close to {$15.00} a day. The last payment I made, XX/XX/2019, the representative told me that my payoff amount on a {$800.00} loan is roughly {$830.00}. The representative then proceeded to say I made 6 payments when I have only made 3. I  would greatly appreciate assistance in anyway to get from under XXXX XXXX XXXX and other harmful companies such as this one.
Product: Debt collection

The XXXX XXXX XXXX is not longer in business and cancelled its XXXX XXXX XXXX in XX/XX/XXXXof XXXX as the purchasing agency XXXX XXXX has their own XXXX XXXX account # XXXX. Almost a year of communication with XXXX XXXX resulted in them finally sending us more information on how to return the leased machine. We did so on XX/XX/XXXX via XXXX. We disputed any fees and verified that our written communication to end the lease was received as the new owner has NO liabilities on any previous service agreements/leases etc. When we finally closed the account with XX/XX/XXXXwe were told there was no fees due on XX/XX/XXXX Case # XXXX. The account was closed we were told. XXXX XXXX then referred the matter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we were contacted by XXXX XXXX on XX/XX/XXXX for account # XXXX. We spoke with the woman and disputed the debt. We then mailed her a USPS letter and e-mailed her at XXXX on/after XX/XX/XXXX a dispute and do not contact letter under the Fair Debt Collections Practices Act. The woman emailed us back that our dispute was invalid. he has continued to contact us, a place of business, even though we told her not to. She did so on XX/XX/XXXX at XXXX XXXX  ; XX/XX/XXXX at XXXX XXXX  and today XX/XX/XXXX at XXXX XXXX. This is harassment and a clear disregard of the FDCPA and we are reporting today to you all for further investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX