23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I would like to comment that Im not satisfied with the decision that the company had given me. Based on the following reasons : 1 ) I was not given an option to not purchase the extension of the insurance. Therefore ; I thought it was mandatory. 2 ) at the moment of the necessary of using the insurance, I found out it was a scam, it was false information that was supposed to be covered. 3 ) at the moment to make a claim, I was indicated that I could not use the insurance not cancel it, this matted affected me as a loyal client. 4 ) the manager of financing didnt want to face me at the moment of claiming ( XXXX XXXX XXXX after a long wait he aproched to the financing area, sarcastically asking if I was happy and then laughing saying that the payment was nothing. Which it not a respectful action coming from a manager to a client that has referred many people to purchase their vehicles here. Therefore ; the financial services always have the rights, a client can never have the rights based on their ends. 
They made me wait more than XXXX hours to attend to my claim, which seems to me to be a technique to play tiredness, and when I was attended to I was mistreated as a customer and even discriminated against, letting me know that my money was worthless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 States : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666b states : a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any reason I have not been late on these payments, I've requested the company send me verification that these accounts were late and that they sent written instructions and they have not sent me anything. Please remove these late payments from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX XXXX XXXX collection Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I called XXXX XXXX XXXX to have the account removed from my Equifax credit report they gave me the ran around and told me to call Equifax about the issue. I called Equifax I informed the rep that I paid off XXXX XXXX XXXX and I wanted the account removed from my Equifax credit report. The rep said the account will get removed from the credit report. The XXXX XXXX XXXX collection has not been removed from the credit report yet. They have violated my rights as a consumer.

15 U.S. Code 1681- Congressional findings and statement of purpose Section ( a ) ( 4 ) 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you well. I am writing to express my continued concern and frustration with the unresolved issue of the late closure of my account. Despite my previous attempts to address this matter, it has regrettably not been rectified. 

I had initially reported this issue, and despite assurances, the late closure of my account remains unresolved. This situation is causing me significant inconvenience, affecting my financial planning, and has led to frustration on my part. 

Ensure a thorough second attempt to promptly rectify the late closure of my account. 

Improve communication regarding the status of the account closure. I request timely updates on the progress made and the expected timeline for completion. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the inconvenience experienced. 

I understand the challenges associated with account management, but I emphasize the importance of a swift and effective resolution to restore my confidence in your institution 's services. I am asking for your assistance to remove these ACCOUNT in my credit file : XXXX XXXX XXXX Balance : {$5900.00}.
Product: Debt collection

They are threatening my credit report for aged debt. When in fact that account fell off my credit report XXXX + years ago. 
They are making threats they can not legally enforce. This is considered harassment and the company broke the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 accounts 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 XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

MyinformationwasinvolvedintheEquifaxdatabreach.Pleaseseetoitthatthecreditreportingagenciesremovetheaccounts.
Product: Debt collection

False altered Eviction Document. ( Forced Migration due to home invasion/safety ) Organized Crime/Intentional Debt scheme. ( Violations of Fdcpa )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am authoring this complaint on my behalf. I can't believe these guys are taking advantage of me. I am very upset with TransUnion. They have not responded back to me about my investigation. I sent a letter and it's been more than 60 days. I need these accounts deleted or updated. These are the items I need to be deleted. 


1 ) Please investigate that this account is reporting XXXX percent accurate. I see so many errors which is a FCRA violation JPMCB Card Please to remove this account from my credit profile 2 ). Misleading false information This FDCPA section XXXX Violation misleading false reporting on my credit report CBNA Account Please remove from credit profile The Fair Credit Reporting Act 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
Please remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a balance of {$390.00} owed with XXXX XXXX XXXX  and I have a XXXX balance.I made a payment with my debit card on XX/XX/20 for {$98.00} that has already posted to my credit card account. I also made another payment with my debit card on XX/XX/20 for {$300.00}, which brought my account to a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Experian, XXXX, and XXXX to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX, XXXX 2021. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX, TransUnion by mail several times and send in proof of identity even uploaded to XXXX. No action has been done. It appears negligence on their part by not checking into the situation They just repeatedly send letters indicating send in documents which I have more than once. Hard inquiries on my credit file thats inaccurate. XXXX XXXXXXXX XXXXXXXX ( Bank ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX FCU ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, TransUnion and XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

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 items 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 or has reasonable cause to believe that the information is inaccurate. 

Accounts : 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 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 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 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 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 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
Product: Debt collection

GC SERVICES COLLECTION AGENCY is calling my phone way too much, from several different numbers, after I sent a letter in writing asking that they verify the debt they say I owe. It 's pure harassment. I wo n't talk to them until they can prove this debt is actually mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is inaccurately reporting a bankruptcy on my credit file. I have also been blocked from having online access making it difficult to view my credit report and submit disputes online. It has proven to be extremely difficult and troubling trying to call and speak with a live representative regarding this matter. At this point XXXX  has failed to offer sufficient access to my credit file. 

After going back and forth in written correspondence a my only option, my last letter ( copy attached ) was mailed via certified mail on XX/XX/2020. I received an automated response that did not satisfy my written request. I have been denied sufficient access to my credit file and denied adequate documentation as requested per FCRA 611 ( a ) ( 7 ) to request a complete description on all methods used to investigate my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/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 you 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 block/remove these files. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I called to dispute a transaction on my chime account, which I know nothing about which was a XXXX  account. I have not been in my account for at least six months since my phone has been stolen when the time clock tells me that they will have to deactivate my card when I process that dispute. I pacifically said I do not want to do the dispute anymore. Then I would rather have my card because the fact of I dont have any right now and others do not live in address thats on the account so I would rather have my funds that comes onto the card then that dispute with more more money now that she didnt. She deactivated my card as I said not to and reasons why now my kids go without no I have not no way of getting funds out of that account
Product: Mortgage

XXXX Loan # XXXX Re : Short Sale To Whom It May Concern : I know that XXXX XXXX  is the investor and not the servicer on this loan, but I am doing all that I can to expedite this matter as it is extremely time-sensitive. 
With all due respect, I urgently need the short sale approved so we can move to close escrow. It was just approved at XXXX good through XX/XX/2022. That buyer came down with XXXX and was hospitalized. I submitted the backup offer at XXXX. Your BPO expired and you did a new one and somehow increased the value by almost {$100000.00}. I have sent you a higher offer of XXXX and the net amount to SPS and the investor is now over 90 % of current BPO valuation. The buyers have paid a decent sum of money to extend their rate and lock it in. They have sold their house to buy this one. We are all waiting on SPS ( and XXXX XXXX ) and the short sale approval letter to move to close and they call me every day for an update, day after day. RESPECTFULLYwe just need the short sale approval letter so we can move to close and get this bad debt wiped off your books. The house needs {$300000.00} of work, mold remediation, and construction to make it livable. Despite current sales in the area, the last BPO is incorrect and the BPO prior to this one is exactly what this house is worth. THAT SAID, the buyers have agreed to raise their offer by {$25000.00} to {$970000.00}. SPS will not tell me what they need to net, which is such an imbecilic practice and makes the short sale process, which is already long and tedious, even longer with unneeded offers and counter-offers ; just tell me what you need! Even your own reps in the Ombudsman Dept and Short Sale Dept agree with me on this point. It makes no fiscal common sense to play the guessing game on what the investor needs to net in this market. PLEASE escalate this short sale file and please issue the short sale approval letter in the new buyers name so we can all move to close. The buyers have a ticking clock on their rate, are living out of suitcases, and I do not want to start over from square one on this short sale. Everyone is committed to closing, ASAP. The offer amount is above what is mandatedlets close! Your energy and attention to this matter are greatly appreciated! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TRANSUNION regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My date of birth is XX/XX/year>, and my Social Security XXXX is XXXX. Upon reviewing my TRANSUNION credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting TRANSUNION directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my TRANSUNION credit report. Additionally, I seek written confirmation from TRANSUNION once these accounts have been corrected. I also ask the CFPB to investigate TRANSUNION handling of my dispute and its adherence to FCRA and CFPB rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violatons never late : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310000.00} Status Open. 
XXXX/XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Open. 
XXXX/XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Open. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 




not mine fcra violations : Account info Account name XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$360.00} Credit limit {$15000.00} Highest balance {$15000.00} Terms NA not my address remove only what requested : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting

I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditor XXXX and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.
Product: Credit card

For nearly a year, I have been unable to access my FICO score online as promised by American Express. I contacted American Express several times during this time period, and after each call, I would check my FICO score online, and each time I would be unable to access my score. More recently, I made telephone calls to American Express at ( XXXX ) XXXX regarding this matter. The most recent of these telephone calls resulted in the following tickets being opened : ticket # XXXX opened on XXXX/XXXX/2016 and ticket # XXXX opened on XXXX/XXXX/2016. To date, XXXX/XXXX/2016, I am still unable to access my FICO score despite repeated calls to American Express customer service ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Vehicle loan or lease

After Ally Financial Repossession $ XXXX Class Action Settlement I contact Ally Finance to get more information and to ask when they are going to remove this account from my credit report like is stated in the settlement. For my big sorprise even after this settlement and class action lawasuit Ally keept giving me fals, wrong and misleading information. 
First they told me they could not locate my person and their system and I need to contact XXXX XXXX  to get information, they transfer me to XXXX XXXX and get inform that I have no business with XXXX XXXX. I called Ally Financial back and from no where they locate me in their system.