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

I am submitting this complaint regarding the incorrect reporting of multiple late payments by Citizens Auto Finance to the credit bureaus. Their records show several payments as being late, when in fact these payments were made on time. Despite this, the inaccurate information continues to appear on my credit report, negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

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

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

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

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

I did not authorize these inquiries : Equifax : Equifax Mortgage Ser XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX : Equifax Mortgage Ser XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear credit bureau 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. Account name : 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 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: Debt collection

I am writing to formally express my deep concern and dissatisfaction with XXXX 's handling of my account, particularly regarding a dispute I have raised concerning erroneous charges. Despite multiple attempts to dispute these charges, which pertain to a service XXXX was obligated to provide but failed to deliver adequately, there has been a complete lack of response from XXXX 's side. This failure to engage not only undermines the trust I placed in XXXX as a service provider but also contravenes the principles of fair and transparent billing practices. 

Moreover, I must bring to your attention that XXXX has not fulfilled its legal obligation to report my dispute to the credit bureaus. This oversightor deliberate omissionhas serious implications for my credit report and score, further exacerbating the issue at hand. The lack of acknowledgment and the failure to report the dispute have left me in a precarious position, affecting my financial integrity without just cause. 

Equally concerning is the responseor lack thereoffrom the credit bureaus. Despite being apprised of the dispute and the erroneous charges levied by XXXX, there has been no action taken to investigate or amend the information on my credit report. This disregard for consumer disputes not only undermines the credibility of the credit reporting process but also leaves affected consumers without recourse or remedy. 

I urge XXXX to address this matter with the urgency and seriousness it warrants. I demand that XXXX : Provide a detailed explanation for the erroneous charges, Refund any charges that were incorrectly billed, Report my dispute to the credit bureaus as is required, Take immediate steps to correct any misinformation on my credit report resulting from this issue. 
I also call upon the credit bureaus to fulfill their responsibilities by : Investigating my dispute in a timely and thorough manner, Updating my credit report to accurately reflect the outcome of this dispute, Ensuring that my credit score is not unjustly impacted by these disputed charges. 
Failure to address these concerns satisfactorily will leave me no choice but to escalate the matter through legal channels. I am prepared to take all necessary steps to protect my rights and ensure that my credit report accurately reflects my financial behavior and history. 

I look forward to a prompt resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grow Credit did not contact me to get my account resolved Ive paid money never had gotten my credit score they just took my money never did any service Grow Credit said they would
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have the account number for the last two accounts, has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : the 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 relative 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 card or prepaid card

American Express w as contacted on   X/XX/17  to dispute a transaction made for {$170.00} on   X/X/17      as the replacement device I paid for had not  been received from  XXXX   XXXX . On   X/X/17   I contacted Amexto on the status of the dispute and to confirm that my documents were received. At that time I was informed my claim was closed but reopened o n  X/X/17 . H owever the supervisor went on to say he did n't see it open in another system. He was concerned and was unsure. He stated that he would need to contact disputes and that someone would get back to me. I told him I had a concern with the information pertaining to the date as it causes a conflict on when the dispute started. Although I did not receive any contact on my reason for calling. I did receive an email  on  X/X/17  from Am  ex stating  my dispute documents had been received and that I would receive a response on the dispute no later than 45 day 's from the date they were notified. On   X/XX/17   I contacte d Amex ag ain and spoke with "  XXXX  '' ( another supervisor ) after clarifying with the agent who answered that the claim did start o n  X/XX/17  also  verified by the supervisor. As he stated the claim should n't have been closed in error and that we were on th e 47th day. He apologized and had no further answers on the matter. Stating he would contact disputes again  as there was n't an error by  Amex and  he would do what he could to get it resolved quickly No solid answer has been given to me. An email was sent to disputes o n  X/X/17  r equesting information on the dates that they have in regard to the dispute. However it has gone unanswered. The company in question has since cancelled all consumer policies due to massive complaints for non received devices, incorrect devices, or flat out broken ones. I am unclear on how  Amex handles its disputes or when they began mine. But customer service can not assist and I can not personally call disputes. After purchasing a new device Amex is not assisting in manner professional as  this causes financial hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Me and my husband went to the car lot, we asked the dealership to only pull from XXXX places. When we realized we went to them, I advised I would sue them but anyway I had them print out a letter stating they fraudulently ran our credit. I called the bureaus, equifax removed it, XXXX has been giving us the run around. XXXX removed it for us no problem. 
We sent a letter to all XXXX, matter of fact it was the same documents, XXXX admitted they received the paperwork, butthen sends me a stall letter stating that it seems to be coming from a 3rd party, I begin to question what indication do they have when I submitted me and my husband 's dispute letter, the letter from XXXX XXXX XXXX, ftc reports packaged together ... I told them they need to stop trying to correct people 's reports sending that letter just to prolong the process, they said I have to send it again because they got my ID the next day following ... Im like what does it matter you have every piece of document you asked for. It's gon na be the same info again which is costing me monies to resend. I sent the documents certified at that. 
According to 15usc1681a ( 1 ) ( A ) violation of rights It has been over 30 days nothing back yet they have 30 days to respond Also I reported XXXX negative accounts Progressive I disputed, it was marked late 15usc1681a ( i ) 2transactions history is excluded from the consumer report, 15usc1666b timing of payments shouldnt be reporting after the first dispute they removed it from XXXX XXXX XXXX  when it should be removed permanently XXXX is reporting and I have no business with them. I sent them a stop and decease letter and i disputed this as fraud and to remove the account from my credit reports... this has dropped my scores tremendously...
Product: Checking or savings account

I recently connected an external account to my two long existing online-only Barclays savings accounts and transferred the funds within one of them out of Barclays without issue, completed on XX/XX/23. On XX/XX/23 I received an email informing me that my account access had been suspended and to contact customer support. Upon contacting customer support I was informed that I needed to supply a copy of the statement of the recently used external account, the requested transaction having already completed. 

I followed the instructions provided to me, emailing a copy of the requested statement to a Barclays email address. 10 days later on XX/XX/23 my account still remained inaccessible with no way of accessing my accounts or the remaining funds. At this point I recontacted Barclays and requested the closure of my accounts. Only during this closure was I able to unlock my accounts and move the money to an external account.
Product: Vehicle loan or lease

XX/XX/XXXX called the office because I didnt received a notice. And when I called the lady said they cant get nobody on the phone and my car was repossessed a day later. I also called again today XX/XX/XXXX to get my things and nobody was answering and the lady said someone will call back and never did
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have 1. 15 US-CODE 1692E FALSE OR MISLEADING
REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Portfolio recovery old is a banned debt collector. Ive been harassed and my family and children have been harassed. Subpoenaed to court and stalked.
Product: Debt collection

I recently noticed a reporting error placed on my credit report from a company that I have never heard of. Midland credit is knowingly and willingly committing fraud, I have never done business with them, nor have I ever agreed to any contract with them. This file does not belong to me. On XXXX XXXX I sent this company a notice to Cease and Desist Pursuant to my rights 15 USC 1692 ( c ) this includes calls, emails, social media or any consumer reporting agency. Certified mail receipt # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 ( 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: Prepaid card

I received an AMEX gift card for {$50.00} on XXXX XXXX XXXX. 
I tried to use the card at nearly a dozen merchants, both physically and online and all said that card was useless. 
AMEX had no explanation for why the card could not work I went online and discovered a HUGE open chat about the same problem with these AMEX gift cards being unusable, with few finding any solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find my correspondence in accordance with law attached to this complaint.
Product: Vehicle loan or lease

On Monday XX/XX/XXXX I was trying to get my mom taken off the loan from citizens bank but the only way to do that is to get refinancing from another bank citizens bank does not do refinancing I tried to do that but because the car was at a price more than what's it worth they could not do that and I tried to get a deferment but they wanted me pay interest in advance to the end of the loan which I don't have which is why I asked for a deferment citizens bank could not help me so I am getting cfpb involved
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my identity has been compromised, and I have become a victim of identity theft and fraud. I recently discovered unauthorized charges on my credit card statements, accounts being opened in my name without my consent, and suspicious activity on my credit report. 

I have taken immediate steps to protect my personal information and have reported the fraudulent activity to the relevant authorities, including the credit bureaus, my financial institutions, and the Federal Trade Commission. I have also placed a freeze on my credit reports to prevent any further unauthorized access. 

I am reaching out to you as a precautionary measure, as I believe that my personal information may have been compromised through [ explain how your information may have been exposed, such as a data breach, phishing scam, etc. ]. I urge you to review your own accounts and credit reports for any signs of suspicious activity and to take necessary precautions to safeguard your personal information. 

I apologize for any inconvenience this XXXX cause you, and I appreciate your understanding and cooperation in this matter. If you have any questions or concerns, please do not hesitate to contact me. 

Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Inquires were placed on my credit reports that I did not complete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request TransUnion to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Transunion has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for TransUnion to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 

I am asking for TransUnion to provide the following : 1. The original contract and or agreement bearing my signature XXXX Who they spoke to from the creditor the date and time in which they spoke with them. 

By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. 

I listedthe inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
XXXX. XXXX Account XXXX : XXXX XXXX. I XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.