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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXXTeletrack is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXXTeletrack the financial institution and the Consumer reporting agencies XXXX XXXX XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX /Teletrack whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX /Teletrack never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Installment Loan from Affirm was Paid Off on XX/XX/XXXX. I closed my account shortly after. 

My credit report has yet to be updated to reflect correct balance / account closure. 

When contacting Affirms customer support, my problem was not resolved. 

When disputing with XXXX, the investigation led to Affirm refusing to properly update the credit report.
Product: Debt collection

This debt is in a debt mgmt repayment program and the collection agency has accepted and cashed payments for this debt. Acceptance of the payment was acceptance of the payment plan which they were sent by XXXX. I was not given an opportunity to dispute the debt before they placed it on my credit report as a collection. They have been accepting payments since XX/XX/2017
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 reporting, credit repair services, or other personal consumer reports

I have made several attempts to have Equifax update my credit profile to no avail. I have asked them to verify the bankruptcy reported on my credit file. I have been asking for verification for months and the only response I receive is that it has been verified through XXXX XXXX. I received information back from XXXX XXXX in a letter dated XX/XX/2021 that after their reinvestigation the information has been removed from their report. I filed another dispute with Equifax on XX/XX/XXXX along with the letter from XXXX XXXX. I again asked for verification only to be told on XX/XX/XXXX that the information was verified through XXXX XXXX. I called and spoke to a rep on the phone and made them aware of the problem. They said they would open a dispute, which they did, on XX/XX/2021 and the rep said he will reiterate that XXXX XXXX has removed it from their records and even said he will let them know I sent the letter in to them. On XX/XX/XXXX, confirmation # XXXX, Equifax again closed their investigation stating that the information has been verified through XXXX XXXX. I do not understand how this could be. Clearly, they are violating my rights and they are not investigating information that I have a right to have investigated. 
Please help assist me with having this information removed and holding Equifax accountable. 

Kind regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, with the help of my wife of 10 years, we have been getting removed incorrect reporting pertaining to MY ( XXXX ), prior mortgage that went through and was XXXX  two years ago ( XXXX ), as a XXXX bankruptcy. We are uploading the information now and ask that ALL mortgage lenders acknowledge the correct information as it is. Core logic, Credco is one of the main credit reporting agencies that is not reporting the already corrected information pertaining to my ( my wife, XXXX XXXX XXXX ), was not or ever on the Mortgage Note, or Account. Thank you for expediting this issue that is keeping me in harms way and causing potential homelessness as my rental lease is up in a few months and I need to purchase a home now. Best Regards, XXXX XXXX XXXX
Product: Mortgage

My mortgage recently got switched to another bank. On the original one I was always on automatic payments and had no issues. With this new bank I made my first payment with no issues. I understood I had set my account up for automatic payments. 
I didn't realise until I got an alert from my credit report that my credit had got dinged and was brought down quiet a bit from a missed mortgage payment. 
I logged into the bank right away and payed the missed payment and payed ahead to the next. Had I not known I was not on auto payments I would have put a reminder in my calender to make sure it was payed. I have never missed any payment nor do I plan to ever again. 
Please help me get this off my credit report. I have worked really hard to get it up to wear it was. If I need to pay ahead to prove I am responsible and dependable I will. Please take this in consideration.
Product: Credit reporting

I was divorced in XX/XX/2014 and my ex-husbands credit is still mixed with mine. I have a XXXX, XXXX, XXXX thru XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX cards. Anything opened before XX/XX/2014 is not mine. Thank you
Product: Credit reporting

I have a few things on my credit that is NOT mine. I am a healthy male that has not nor need to goto the doctor so these hospital bills are NOT mine!
Product: Credit card

I have a charge card from AMERICAN EXPRESS with a sanctioned limit of XXXX USD. With only XXXX limit used, AMERICAN EXPRESS suddenly stopped my service by suspending my card. Despite repeated appeals and regular payments of monthly instalments, they have not resumed the service but keep applying more interest and penalties. The limits are given to be used and consumed. And it is not a card where the outstanding charges have to be completed per month because they charge interest on the same. Hence this is a pure case of violation of fair practices and despite highlighting to the local and higher management, there is no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question or delete. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All my accounts with XXXX  has been closed since XX/XX/2020 due to loan consolidation with XXXX XXXX i called XXXX   and they was to update my credit report at the end of XXXX like the other loan servicers did and they failed to update credit reports correctly
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Email : XXXX TransUnion, XXXX XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ( AN ( 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.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX KY XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX IA XXXX Remove Fraudulent Accounts Listed Below : Account Name : XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$970.00} Account Name : XXXX XXXX XXXX XXXX Account Type : Closed, Date Opened : XX/XX/XXXX ( XXXX yrs, XXXX mos ), Balance : {$2200.00} Remove Fraudulent Inquiries listed below : XXXXXXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX, XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Inquiry, XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX. XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Checking or savings account

I have been charged repeatedly by a company whose services I cancelled many months ago. I filed a claim with Bank of America, and mailed the required form within the specified timeframe. Bank of America claims that they did not receive my form and are debiting my account the funds fraudulently taken from me. 

I have spent hours on hold and am unable to speak to anyone. My calls are not returned. No one responds to messages or emails. The local banking center said there is nothing they would do to address this. 

Money was stolen from me and Bank of America have done nothing to address this.
Product: Consumer Loan

Hyundai Finance Company 's collection department was very nasty, aggressive and, in my opinion, unreasonable in solving a dispute about a lease payment that occurred 4 years ago. The issue was resolved and the vehicle returned on XXXX XXXX. I leased another Hyundai vehicle from the same dealer only through another finance company. ( The bad experience precluded me from considering Hyundai Finance again. ) A letter describing the issue and requesting a waiver of the " disposition '' fee was included with the paperwork with the returned vehicle. The letter requesting the waiver was never answered and I received a bill for the " disposition '' fee plus taxes. 
I have returned the bill with a copy of the original letter and a note disputing the bill to Hyundai Finance. 

If Hyundai Finance had been cooperative in resolving the original dispute I would continue to do business with them, However the total lack of willingness of Hyundai Finance collections department to cooperate to resolve what should have been a simple problem sent me the message that I should do my business with someone else. Now they want to charge me for a " disposition '' fee that never would have become an issue if they had treated me with respect. 
Finally, the " disposition '' is not really that since it is automatically waived when a customer leases or buys another Hyundai and finances through Hyundai Finance. I believe it is really an undisclosed price increase for not continuing to do business with Hyundai Finance. 
I think this is morally wrong. 
I think that is flat wrong and ask you your assistance in having the
Product: Prepaid card

I purchased a {$50.00} Amex e-gift card from XXXX on XX/XX/XXXX  and every time I try and use it, it gets declined every time. No matter where I try and use it. No matter how much or how little a spend. Ive tried reaching out to customer service but was put on hold for over 40 minutes. I was told to try again in 24 hours. Still did t work. I gave up for a while until I was told about this system to possibly get my money back.
Product: Debt collection

Good morning, My account was placed into collections by XXXX XXXX and submitted to XXXX XXXX XXXX in XXXX. 

On XX/XX/year> I spoke with a XXXX  XXXX, disputed the delinquency amount of {$380.00}, and requested a history of my statements from XXXX. XXXX agent advised me they were submitting the request. 

On XX/XX/year> I contacted XXXX a XXXX time to follow-up, I spoke with a supervisor and was informed that XXXX had not received the account statements and would need to submit an expedited request for the information. In addition to this, I discovered that XXXX had deactivated my auto debits and refuse to continue receiving monthly payments until the account is satisfied. I was advised that since I started a dispute process, XXXX would not be able to accept my XXXX payment due to the account being in collection. 

On XXXX XXXX I contacted XXXX and was informed that it would take XXXX business days for the company to receive my statement history from XXXX. 

On XX/XX/year>, I submitted a XXXX request via email to XXXX requesting someone to reach out to me. 

As of today XX/XX/XXXX, I contacted XXXX because I have not received a reply in response to my email. 

Per my conversation today with the representative assigned to my account, I was informed that they expect to receive the statements by XXXX XXXX from XXXX XXXX XXXX 

I can attach my XXXX payment confirmation letters, and a screen shot of my bank statement reflecting my XXXX XXXX payments and the corresponding letters I received via email for this account. I have highlighted XXXX bank statement that reflects a rejected payment for XX/XX/year>. I can attach XXXX corresponding notices I received from XXXX for XXXX 's transaction and the returned payment. 

I have not disputed owing for XXXX however I am disputing the collection notice provided to XXXX since the debt is much higher than what I believe I owe. This is because I have not received any other notifications from XXXX regarding any other outstanding payments prior to receiving the collection notice. 

My bank statements reflect the payments that were paid and the XXXX return. Since XXXX agents are not able to speak with me about my account I have been requesting an account history statement since XX/XX/year>. 

I have called several times and sent emails all in good faith trying to resolve this issue. Added to this, XXXX and XXXX XXXX to accept my XXXX payment while I am continuously told that you are awaiting statements to be shared between their companies. We are now at the end of XXXX and XXXX is near. I have been informed that my current bill that will not be accepted until the account is resolved will be added to the collection account. they are creating a debt hardship by not accepting my current month 's payment while waiting on internal processes. I am asking that you review the information I can provide and let me know how we can resolve this asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you letter XXXX requesting an an investigation into any unusual items on my credit report. I have not received a letter from you, nor have I received any evidence that an investigation has begun. Section XXXX XXXX a ) clearly state a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been XXXX  days over so they should be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took at look at my credit report and someone ran my credit trying to get a home in my name. I never authorized this and had no purpose to get my credit for a home. I tried calling customer service department and disputing these inquiries and I wasnt able to get helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  is reporting I have a late payment on each student loan. Ive never missed any payments and this is incorrect. Id like proof of the missed payments since my payments are deferred and {$0.00}
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operation run by icmarkets.bid which involved me making deposits for a total amount of XXXX XXXX  from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint refgarding the Fraudulent items I found on my updated Credit Reports. I have attached a letter with my updated address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX, to inform you that it is myself who is submitting these Complaints. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulents items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the following items listed below as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Owed : {$10000.00} XXXX XXXX XXXX XXXX Owed : {$730.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Ever since SunTrust became Truist, I have been unable to contact customer service. Online chat feature is disabled and no branch appointments available within 100 miles. Phone wait is hours long. I deposited {$2000.00} to a checking account on XX/XX/XXXX and on XX/XX/XXXX {$240.00} is missing. I have not used the account and no transaction appears to explain the missing money. This is the worst bank I have ever dealt with. Zero customer service and disappearing money. Help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 XXXXXXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.