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

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Someone took out a loan under my name. Its been on my credit report for over a year. They wont remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, My name is XXXX XXXX a former Chase banking member. I opened an account on XX/XX/2023. I had the account opened only for a short period before the account closed earlier this year ( 2023 ). 

I continue to receive regular emails from Chase Credit Journey regarding my credit score and activity regarding an open account with Chase Bank and my credit rating/score. To the best of my knowledge, I no longer have any accounts with Chase Bank. 

On XX/XX/2023, I received an email from Chase Credit Journey recommending that I, ... head over to Credit Journey to see what you can do next to help strengthen your credit. 

Again, I am a former Chase Bank consumer, no longer choosing to bank with Chase Bank and I am not seeking credit tips/advice from Chase Bank . 

I no longer want to receive emails from Chase Bank. My name and former account information should have been removed from your companys Chase Bank email or mailer contact list months ago. 

XXXX XXXX, Former Chase Member Email Contact : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on this report is unauthorized and was not done by me. Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC C/O resurgent capital services is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of metro 2 fair credit reporting guidelines Validation of debt doesnt consist of bill statements this account doesnt belong to me This account is inaccurate, isnt mine this account needs to be removed
Product: Credit card or prepaid card

In XXXX of XXXX, I purchased an online subscription to XXXX  XXXX XXXX. At the time of my purchase, I told them that I would only purchase if they did not do auto renew. 

They sent me online magazine subscriptions, until XXXX of XXXX when I unsubscribed as nothing they sent to me was worth while. 
In XXXX of XXXX, when I received my Credit Card Statement from Capital one, I saw a charge for XXXX. 
I called Capital One, and they reversed the charges, then they called XXXX XXXX, and XXXX XXXX said that I agreed to another year which is a total lie. 
Capital One did nothing to protect me and re added the charges to my bill. I have put a " Stop all Charges '' on my Cap One Credit Card to protect myself. I won't even charge anything. I put a review on XXXX as well as a complaint to the Dept of Consumer Protection. All Capital one did, was give me your information. I am a XXXX Year old XXXX XXXX XXXX, working to put my grandaughter through college. I am so angry with Capital One.
Product: Credit card or prepaid card

I called OmniCard to activate the {$10.00} VISA gift card on XXXX/XXXX/17 in the morning. They said they card would be available for use in 15 minutes. Hours later, the card is still being declined. The error was " no such user. '' OmniCard said the reason why all of the transactions have been declined is because I 've been using the wrong PIN #. The truth is I have n't been using any PIN #. PIN # s are only required when run as a debit card. All of these transactions were run as credit card transactions, so there was no spot for a PIN #. Then, OmniCard said they were declined, because the card had n't been activated yet ( even though it had been ). I tried using it again. Again, it failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that don't suppose to be there but XXXX not trying to work with me or Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXXr immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
Product: Debt collection

Re : Bank of America credit card I've had my card since 2016 and never missed a payment. I did fail to pay min balance once, but corrected my error ( about 1yr ago ). Since, I have been paying twice monthly to insure that I was able to meet min due. Recently, I began receiving automated calls about my MC. I dismissed as spam call. Today, I received email re : delinquent acct. I called card directly, thinking it spam but was told that I am indeed delinquent. I inquired about payments & was told that the once in the middle of the cycle don't count. I am working to pay off card.
Product: Credit card or prepaid card

I received a bill with a XXXX balance from Key Bank, opened in my name. I received it one day after my mother, who banks with Key, received the same type of bill. Neither of us has ever held or currently hold a credit card or debit card from Key. I did not request a card be opened nor do I have a personal banking relationship with Key. I am a " signer '' on my mother accounts in case of emergency. <P/>Key bank indicated these cards were an error and had been pulled from an old system and bills sent out. As stated, I have never had any credit card from Key bank or From its previous owner XXXX XXXX. <P/>Key bank did not have a clear answer as to why this bill was sent other than a computer problem. However they did indicate it would show up on my credit report. I have not spoken to, written to or requested a card from Key bank at any point it my life. <P/>I believe Key Bank is systemically and fraudulently opening accounts - much like XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requiring to remove wrong account XXXX from my credit report. I have no idea why this account showed up on credit report, because I never applied for this credit card and never received any credit card. Please investigate this problem and remove this account as soon as you can. I recently contacted XXXX XXXX and they does not have any information about transactions. I do not want that account which do not belong to me being in my credit report.
Product: Vehicle loan or lease

The final payment for the Auto loan was made to SunTrust Bank on XX/XX/XXXX. The payment was on time and they are reporting this as 30 days late ( 1st problem ). 

We have not received the title. I co-signed on the loan with my brother in law and he reached out to them on XX/XX/XXXX and the said they would send a copy of the title nothing was sent. 

I contact Sun Trust on XX/XX/XXXXand talked to customer service representative by the name of XXXX and he told me he could not access the account and provided me with the Dispute number for credit and that the DMV would have the title. 

On XXXX I spoke with XXXX XXXX and she has stated there is no late payment showing and that she would forward the back up to me. This will take about 30 days. She is showing the title with the DMV. 

XXXX - Contact the DMV and they are telling me that I can not get the title because Sun Trust has a lean on the title. 

XXXX - Called customer service on the title and spoke with XXXX, He said after the previous request there was no additional information sent to us. His notes show that they let the DMV know the title was clear and they were not able to re-submit information to the DMV. He resubmitted a request to send documentation to us. 

This loan was paid in full under the terms and we are not able to get a copy of the title. Additionally, I want to ensure that any and all notice to the credit agency state we are late in paying are corrected. They have mine as showing 30 days late on the final payment and my Brother in law is showing paid on time. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an ongoing issue since 2018. My next step is to file a lawsuit against Experian. Experian is reporting a balance of {$12000.00} with a company called XXXX  XXXX XXXX. I received the official statement from the original creditor which is listing a balance on {$3500.00}. These two companies obviously can not have two completely different balances. I have sent multiple disputes that have came back inaccurately as verified.This is a violation of my consumer rights. you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks :
Product: Credit reporting or other personal consumer reports

XXXX has engaged in fraudulent student loan reporting, breach of fiduciary duty, and failure to honor lawful tender and settlement obligations under federal law. Despite a properly submitted Accepted for Value and Redeemed for Lawful Money notice, XXXX continues to unlawfully demand payment and misreport the status of the loan, violating 12 U.S.C. 411, 31 U.S.C. 5118 ( a ) ( 2 ), and 50 U.S.C. 5118 ( b ) ( 2 ).

Additionally, the recent data breach exposed sensitive financial and personal information, putting affected consumers at risk of identity theft and fraud. This breach demonstrates gross negligence and failure to safeguard consumer data, violating 15 U.S.C. 1681b, 6801, which require financial institutions to protect consumer information. XXXX misconduct has caused financial and reputational harm, as its misreporting has led to damaged credit and unwarranted collection actions. 

XXXX has failed to act in good faith as a fiduciary under 26 U.S.C. 6903 and IRS Form 56 and has violated 15 U.S.C. 1681s-2, which mandates accurate credit reporting. The continued reporting of false information obstructs commerce under 15 U.S.C. 1 and is a direct violation of Public Law 73-10, which mandates public debt obligations be settled. 

I urge the CFPB to investigate XXXX practices, enforce corrective action for fraudulent reporting, and impose penalties for noncompliance and consumer harm resulting from both its unlawful reporting and data breach.
Product: Credit reporting or other personal consumer reports

There is so many wrong accounts in my credit report that i dont recognize as mine. i will make an attachment in the dispute letter, possesses so many mistake as account name, date, location and status I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting

CREDCO supplied a tri-merged joint credit report with a company that I thought was a legal company on the day that it happened. The credit report was for myself and my husband. When I became suspicious because of other things that did n't seem right, I learned that the mortgage company has had an expired license since 2009. Then I asked the licensed real estate agent who did the paperwork in the licensed real estate broker office. I asked the agent why the mortgage company is unlicensed. He said it is because the company was his and that he closed it in 2009 but that he kept the account with CREDCO so that he could run reports on people. CREDCO has not responded to my email about it. It seems to me that CREDCO should know whether or not its customers are even in business, especially after 7 years of being closed. CREDCO has a duty to protect sensitive financial information from thieves. There was no way for me to know ahead of time that I was dealing with an unlicensed mortgage company. Beyond that, because I was in a licensed office with a licensed agent, it NEVER occurred to me that I would be victimized like this. That 's wrong. Very wrong. It is CREDCO 's fault for not knowing that their customer has been out of business for 7 years. Now we are open to identity theft. I have a copy of the CREDCO report issued to XXXX XXXX MORTGAGE.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

4 Total Accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. I looked at my credit report and noticed some things are incomplete and not accurate. 

And according to the Fair credit reporting act whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to ensure, possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681B they are supposed to promptly remove any inaccurate or unverifiable information in general after any reinvestigation under paragraph one of any information disputed by consumer any parts of the information is found to be an accurate or incomplete or can not be verified. The consumer reporting agency shall one promptly delete, the information from the file of the consumer or modify that information based on the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each month they report only the high balance not the truth that I pay each month most of the balance it caused a denial in a mortage for me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I wrote a certified letter to Transunion, XXXX, and Transunion in regard to my private nonpublic information supported by 15 USC 6801. In the letter, I stated that I elect to OPT OUT of reporting information from XXXX XXXX  and reporting information from XXXXDept of Ed protecting my right to privacy according to 20 U.S. Code 1232g - Family educational and privacy rights I elect to OPT OUT of reporting this private information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I complained to the CFPB about my experience of a fraudulent account XXXX that XXXX XXXX  XXXX is reporting to XXXX and Experian. I have filled out an FTC report regarding my issue with XXXX XXXX  XXXX in the previous CFPB complaint XXXX. The data furnisher stated that the investigation has been completed with the results stating First payment was never received. I was not contacted upon this investigation of the fraudulent account with XXXX XXXX  XXXX.How does the data furnisher complete the investigation without contacting the consumer to get an accurate statement? Also, how can I make a payment to an account that was applied and used fraudulently? Once again my FTC report is attached to this complaint and a screenshot of the results sent to XXXX of data furnishers statement.
Product: Credit reporting or other personal consumer reports

MY NAME WAS REPORTED TO CHEXSYSYEMS 4 YEARS AGO NOW. I THOUGHT THE MATTER WAS RESOLVED THEN, BUT IT WASN'T. NEVER KNEW THAT I WAS IN CHEXSYSTEMS UNTIL RECENTLY. A TRANSACTION TOOK PLACE ON MY CARD. SOMEONE AT THE BANK WAS MADE AWARE. I CALLED CHEXSYSTEMS ON XXXX XXXX TO PLACE A FREEZE. OBTAIN MY REPORT. AND HAVE MATTERS RECTIFIED. I WENT TO THE PORTAL AND SUBMITTED MY DISPUTE TWICE. ONLY TO BE TOLD THAT IT NEVER WENT THOUGH. SAMETHING THAT HAPPENED PEOPLE 'S BANK IS NOW HAPPENING TO ME WTH CHEXSYSTEMS. A FORMAL DISPUTE WASN'T ACTUALLY PUT IN UP UNTIL XX/XX/XXXX. I SPOKE WITH THE DIRECTOR AT THE XXXX XXXX SEVERAL TIMES, THAT WAS IN XXXX. SO HOW IS IT A DISPUTE WASN'T PUT IN UNTIL XXXX? I NEED THIS MATTER RESOLVED IMMEDIATELY. THIS IS KEEPING ME FROM GETTING ACCESS TO ANY FINANCIAL FREEDOM. I NEED THIS NEGATIVE REMARK REMOVE/DELETED FROM MY CREDIT PROFILE. THANKS!
Product: Credit reporting or other personal consumer reports

Recently, I submitted my dispute letter to your company via mail addressing the errors and mistakes I discovered on my credit report. It has been a few months already since I initially identified and disputed these inaccuracies, yet you have failed to fulfill your important obligation of adhering to the guidelines set forth by the Fair Credit Reporting Act. 

-- -- -TransUnion -- -- - XXXX 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