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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX   Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband is an authorized user on my account has his own card with his name and they will not report to credit bureaus
Product: Credit card or prepaid card

I contacted Citi about unauthorized transactions and they did not investigate and closed my credit card account for no reason and are not responding my my letters
Product: Checking or savings account

I usually pay my monthly rent through online banking at Bank of America. 
On XXXX and XXXX I made two payments of {$3500.00} through the Bank of America app that ended up in the account of someone I do not know, I have never had contact with and whose bank information somehow made it to my account. I verified that this individual ( XXXX XXXX XXXX who apparently has an account at Bank of America has never made or received a transaction from me before. I suspect either there is fraud or a banking error on my account. 
I filed two claims with Bank of America on XX/XX/XXXX for the two payments. I have not received any updates since then. I was told in store that the only way I could get the money bank is if that supposed individual agrees to hand it back. 
After more than 10 business days of 'investigation ', I still did not receive any provisional credit.

I believe the Bank is in violation of Regulation E which requires them to give provisional credit if they can not complete their investigation in 10 business days. Moreover, since that payment was clearly an 'error ', by Regulation E the Bank should refund the money. Finally, as I do not know that individual, I believe there either fraud or banking error on my account.
Product: Credit card

My payment due date fell on Sunday, XXXX XXXX. As you know, XXXX XXXX is a holiday. My full payment of {$34.00} was received XXXX XXXX and I was charged a {$27.00} late fee. I told the rep that I believed the Credit Card Act required that American Express accept my payment without a late fee within one business day of the due date. The rep told me that there is no such act. I sent them this " The Credit Card Accountability Responsibility and Disclosure Act of 2009 or Credit CARD Act of 2009 is a federal statute passed by the United States Congress and signed by President Barack Obama on XXXX XXXX, 2009. The Credit CARD Act details when credit card issuers have to accept payments. If your due date falls on a holiday or weekend, your credit card issuer has to accept the payment without charging you any penalty as long as the payment is received the following business day by XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, & Transunion verbally and in writing requesting them to add positive credit history that was not being reflected in my credit report. The following information & documentation was provided to all three ( please refer to the attachments ) and as of todays date they have not replied to my request or respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transactions by myself and I did not benefit from them. I sent XXXX a written correspondence which included my proof of identity, an identity theft report, identification of such information and as statement as the law requires. They are required to block and delete these accounts within 4 business days or receiving my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit System have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; National Credit System is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$21000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b,  12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$21000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 


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

I have hard inquiry on my credit that I didnt allow to be on my credit. XXXXXXXX XXXX XXXX
Product: Credit card

I received the email from Best Buy stating I got something free for my order so I went on my account and it showed that there has been purchases as of XX/XX/XXXX that I did not purchase. it shows that there were in-store purchases in XXXX Michigan XXXX I have not been in the store since XXXX. I last purchased XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has repeatedly violated my rights FAIR DEBT Reporting ACT VIOLATIONS & FAIR DEBT COLLECTIONS ACT VIOLATIONS My initial letter dated XX/XX/2020 was a dispute! Disputing fraudulent inquiries in my name. 

-TransUnion refused to do an inquiry which is violation number1 -TransUnion did not respond to me within 30 days which is violation number2 -I have had furnishing companies reach out to TransUnion to remove the inquiries TransUnion has refused which is violation number3 -I filed a complaint with the CFPB TransUnion manipulated the CFPB 's system by responding with a generic statement which was defining the word inquiry and that is violation number4 CFPB Complaint # XXXX & XXXX Next step is hiring a lawyer
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 and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states that " 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 information. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX 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, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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 and XXXX are not maintaining reasonable procedures.
Product: Mortgage

We entered into Loss Mitigation with our Mortgage company. Our documents were due on XX/XX/XXXX. We overnighted all documents and have proof of receipt. We never heard back from the mortgage company about receiving any documents so on XX/XX/XXXX we called to make sure everything was done. We were initially told that they received nothing and they sent us a declined letter on XX/XX/XXXX we pointed out that we had a signature that our paperwork was received. After putting us on hold they found who signed for the paperwork, said they must have put it somewhere and assured us they were going to get everything in order, let us know if they needed any additional information within 3-5 days, then a decision would be made within 30 days. On XX/XX/XXXX after not hearing anything for over 60 days we made contact to get some sort of an update. We waited until XXXX in the XXXX  for someone with the loss mitigation team to reach us and mid call, the worker hung up and never reached back. When we tried to call back we were told the loss mitigation team was gone for the day and they would return our call.. the representative we talked to also told us that in the system the paperwork looks like it was never received, the only thing in there was the declination from XX/XX/XXXX and we will have to start the entire process over with new documents and information. We sent them over 150 pages of information that they needed and they neglected to do their end. Its the afternoon of XX/XX/XXXX and we have still yet to hear from anyone.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is inaccurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of my disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBP 's recent administrative proceeding ( File No. XXXX ) against them for similar violation. I request that the CFPB take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I've marked as inaccurate : 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

I, XXXX XXXX XXXX XXXX a dispute regarding several violations of the Fair Credit Reporting Act ( FCRA ) that have occurred on my credit report. These violations are serious and need to be addressed immediately. Below are the issues Ive identified : Failure to Verify Credit Information ( FCRA XXXX XXXX ) : Credit information about me was accepted without verifying its accuracy, which is a violation of the FCRA. Under Section 616, I have the right to seek civil liability for willful noncompliance, and the responsible party could face penalties of up to {$XXXX} per violation. 
Failure to Disclose My Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of having my personal information shared was not disclosed to me, which is a violation of my consumer rights under the FCRA. This omission is deceptive and undermines the transparency required by the law.

Furnishing Deceptive or Inaccurate Information ( FCRA Section 623 ( a ) ( 3 ) ) : There were inaccurate inquiries and accounts reported without proper validation. This is potentially deceptive and violates Generally Accepted Accounting Principles ( GAAP ). It is essential that information on my report is accurate, and the failure to validate these entries is misleading. 

Debt Collection Violations : Debt XXXX violated the Debt Collection Practices Act by reporting inaccurate debts and accounts without my consent. This caused me unnecessary distress and harassment from creditors, which is an unfair practice prohibited by law. 
Violation of Third-Party Disclosure Rules : Debt collectors also violated regulations by contacting third-party credit reporting agencies and disclosing debt information about me, which is prohibited under debt collection laws.

Inaccurate Late Payments : I noticed that late payments were reported on my credit report without a clear explanation of what constituted a late payment. This is deceptive and inaccurate, as per FCRA Section 1681a ( 2 ) ( i ), which requires accurate reporting of payment history.

Failure to Properly Report Finance Charges : The finance charges were inaccurately reported, and it is the responsibility of the credit reporting agency to ensure these charges are determined and reported correctly under FCRA Section 1681b ( a ) ( 2 ).

Unauthorized Credit Report Inquiries : Several unauthorized hard inquiries were made on my credit report, which is a clear violation of the FCRA Section 1681b ( a ) ( 2 ). These inquiries, including those from XXXX, XXXX, and others, were made without my consent and should be deleted immediately. 

As a result, I have formally requested that these violations be corrected, including the deletion of incorrect personal information, the updating of any inaccurate payment histories, and the validation of debts. If these issues are not resolved promptly, I will have no choice but to pursue legal action under the FCRA for the willful noncompliance of these regulations. 

I expect a swift resolution to these issues, as failure to comply with the FCRA can lead to civil liability.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX  - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME AM XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a previous complaint against Equifax regarding them publishing my old name of XXXX XXXX XXXX on my credit file, this caused several of my accounts to disappear from my credit file recently. Equifax had received a copy of the court order which changed my name to XXXX XXXX XXXX, but are now alleging that they didn't receive any information concerning my new name. I would like to evidence that XXXX XXXX and XXXX have had my new name on file for years, and at one point Equifax had my old name and my new name on file. In efforts to try to respond to my previous complaint Equifax again changed their records to reflect the name XXXX XXXX XXXX which is incorrect. I don't understand why it is so hard for Equifax to follow the credit laws? The name is XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I sent payment they refused payment. Account balance is inaccurate and inquiries are inaccurate. Also payment is inaccurate sent certified mail. Under law refusal of tender is discharge to the full amount of tender.
Product: Vehicle loan or lease

I love Hyundai. Over the last 10 years I've had at least 5 vehicles of theirs all in a row. My most recent vehicle I purchased back in XXXX at the end of my lease. In XX/XX/XXXX that car was stolen and totaled. With that happening I realized that I was never sent the title from Hyundai after buying out the lease. I have paperwork stating that I am free and clear of the lease and all payments have been made. 

As I am now trying to get the check for the totaled/stolen car and do not have the lease I have called Hyundai twice to request a duplicate as the DMV is stating it is still in their name. I have called to request a duplicate title and was told one would be sent. I then called again a month later and was told I needed to submit the request in writing and send a check. I have done that as well, but have not received anything nor can I find any confirmation from Hyundai that they are working on it.

After doing some research this does not appear to be a unique situation as I am seeing many consumers who are dealing with this issue as well. All I want is the title sent to me. I would be happy to pay any amount they needed as long as I could get this done. It is holding up me purchasing a new car and this has been going on for months.
Product: Debt collection

I was contacted by Colombia Recovery Group of XXXX, WA on Tuesday, XXXX XXXX at XXXX about a debt that I do owe but am unable to pay. I explained to the man who called that I had just lost my employment security funds for going to school, which meant my spouse and I are now out {$1500.00} a month. His response to this was to threaten wage garnishment, stating that it was " his next legal option ''. I searched the Washington State page for people with judgements against them, and neither my wife or myself have any judgements against us from anyone at all. It is my feeling that Colombia Recovery Group threatened me with legal action to illicit a payment by fear of being sued when they have no such suit against us. This account when to collections in XXXX and I 've only received XXXX letter/bill and XXXX phone calls, and their next step is making threats, which is grossly inappropriate.