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

ally financial is reporting my vehicle payment late when i made my payment before the 30 days late, I'm demanding that they fix the reporting to the credit buraus since its false information.
Product: Student loan

Hello I see that XXXX  now has to forgive all the private student loans that were handed out to XXXX XXXX students I was part of this but since have refinanced mine with XXXX XXXX for a lower rate so how do I get my money back to take care of this as it cost me over 18k. 

In regards to case number XXXX I started the school in XXXX XXXX and finished in XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not give permission for these investigations and firmly suspect they're deceptive. I implore you to thoroughly look into them and swiftly delete them from my credit record. I've submitted corroborating documents for your examination.
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 Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX 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: Credit reporting or other personal consumer reports

On XXXX XXXX i notify XXXX XXXX XXXX XXXX of violating the fair credit reporting Act..

After nearly 1 year of back and forth of reporting litigation inaccurate fraudulent accounts/ closed and charges off accounts that werent mines/ Deliberately misleading me on Fake falsify verified information / and investigation that never happen according to consumer credit protection act 15usc 1601 - 15 usc 1693 r Fair credit reporting act 15 usc 1681 I sent police reports/ certify mail These agencies has caused stress lose of lively hood XXXX report # XXXX Data beach report # all my information was compromised by 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

i wrote to XXXX, XXXX, and Transunion requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago. the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. however, the accounts are continuing to reports errors on my credit profile, which is causing damage to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states that I have a right to privacy. My privacy continues to be violated.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have never provided written instructions nor given permission.

15 USC 1666B states 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: Checking or savings account

On XX/XX/ my wallet and work phone were stolen. Multiple cards were used and I noticed my one account had been wiped after an alert. I immediately called Chase Bank cancelled my card, asked them to remove it from everything and give me a new account. I was told accounts fine theyd register me a new card. I was refunded in the amount of {$2400.00} in the following few days. Today I noticed my account reversed those funds and took the money in which put me in the negative. I never made those authorizations. I never make fraud claims as I am careful with my stuff but was unfortunate this time and now am getting completely XXXX over. I just want my money refunded back to my account and i will close and leave that bank as that is a disgrace.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, 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 disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Resident verify performed a background check for XXXX XXXX XXXX in XXXX TN. They provided a report with information for someone with my same full name but a different birthday that happens to be the same month and year as mine. Now I have been denied for the apartment I need.
Product: Debt collection

I have received notice via XXXX a collection agency American Accounts Advisors of XXXX XXXX, MN. Yet I 've received no bills or notices of claim. I do n't know what the bill is nor has anyone attempted to contact me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$3500.00} XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX - Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$110.00} XXXX # XXXX Date Opened : XX/XX/XXXX - Balance : {$740.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have sent several communications to the credit bureau and creditor and I have called several times for them to delete the late payments due to the inaccuracy. But the information is still showing on my credit report. Even though they have stated they would be removed.
Product: Credit card or prepaid card

MUFG Union Bank, N.A. sends promotional emails to existing clients to induce them into spending more on their existing Union Bank accounts, with offers, among many : " Earn up to a {$50.00} statement credit on your everyday purchases. Here 's how : Click the Activate button for this special offer by XX/XX/XXXX Then simply use your card to make purchases during the promotional period from XX/XX/XXXX through XX/XX/2019. 

You will be rewarded with either a {$25.00} statement credit when you make at least {$500.00} in Eligible Purchases, or a {$50.00} statement credit when you make {$1000.00} or more in Eligible Purchases during the promotional period. '' Once activated and met spending requirements bonus never get posted to the account Customer service representative on the phone does not see the promotion on the account. However, the email has been sent and enrollment confirmed with a separate email. The spending requirement of {$1000.00} during the month of XX/XX/2019 has been meet. The {$50.00} statement credit never posted to the account.
Product: Credit reporting or other personal consumer reports

According to XXXX, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.
Product: Money transfer, virtual currency, or money service

PayPal closed my account on XXXX XX/XX/2021 for no reason and will not help me getting it back up and going. It had XXXX dollars which I had to refund. I am not sure if this is some type of mistake as I assume it has to be. I have not been able to get help despite my effort to provide all the documented details of what they requested to solve the issue, and so I remembered I can file a report here as I feel that the company is not doing its job properly. Their final decision of me withdrawing my money after XXXX  days is really affecting me a great deal since I use PayPal to conduct my business which keeps me going in life. The email that is linked to my pay pal is XXXX XXXX ID : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX in XXXX Florida fined me excessively for late payments. Members who are late on paying can not use the gym. The gym fines iare well in excess to the amount of services I agreed to pay for, but also never used. Its absurd to expect someone to pay for services that were never rendered, it is even more crazy to fine people to purposely inflate the cost and use their credit school to hold them hostage. The gym sought to excessively profit off my misfortune through a predatory contract scheme that allows them to not only charge me for services that werent rendered but to charge me excessively. I reached out to MG Credit Corp to settle the account for a reasonable sum, they declined. On X/XX/16 They XXXX offered me a chance to pay off the membership balace {$190.00} ( I did n't have a job so I could n't ) On XX/XX/2016 that had grown to XXXX Now it 's over {$500.00}. This is absurd.
Product: Debt collection

XXXX is being reported on all 3 of my credit reports. XXXX representatives has failed to respond. I never authorized them to sell my information to a third party. 

I contacted fingerhut representative " XXXX '' On XX/XX/XXXX XXXX over the phone and i via certified mail receipt fingerhut on XX/XX/XXXX. I also contact the collection agency Resurgent Capital Services L.P., and they failed to respond to my request of them proving, showing original statements of account, original contact showing my wet signature agreeing to do business with them, i also requested them to show proof they have a license to do business in XXXX XXXX order to collect. I received no response and I certified mail the CEO requesting the same and no response. 

They're reporting this on my XXXX credit report XXXX XXXX XXXX and on my XXXX XXXX XXXX XXXX Account # XXXX and on my XXXX credit report LVNV FUNDING LLC is collecting on behalf of Resurgent Capital Services L.P. , and federal law prohibits a collection agency to collect on behalf of another collection agency aandthe federal law prohibits collection agencies to collect on behalf of a creditor as a third party due to no proof of original contract showing the consumer agreed to do business and pays. 

In addition, XXXX XXXX account is showing the same results and I contacted Webbank/Fingerhut and Resurgent Capital Services L.P. , LVNV FUNDING LLC numerous of times and they failed to respond to the inaccurate items, they failed to prove what I request in my dispute letter requesting to validate the debt nor did they remove inaccurate items being reported. I would like this inaccurate account removed immediately from all 3 of my credit reports.. 

Thank you for your time and consideration
Product: Bank account or service

On XXXX/XXXX/2015, at around XXXX, I deposited a small payroll check into a Bank of America, ATM near my home. I earned the check, that was deposited into my saving 's account, as a XXXX for a XXXX. The check was issued from a local, reputable, employment agency. I received a printed receipt from the ATM stating that the full amount of the check ( a little over {$200.00} ), was " Available ''. That same evening, around XXXX, I went into my Online Banking and transferred the deposited funds ( Available funds ) into XXXX other accounts I have with Bank of America in order to make payments on credit cards. The next day, XXXX/XXXX/2015, I found that my checking was overdrawn and that a HOLD had been placed on the check. According to the notification showing in my online banking ; A letter had been sent, Via XXXX, stating why the funds were put on hold. Additionally, the letter would state when the funds would be released. As of XX/XX/2015- I have NOT received a letter from Bank of America stating why the funds are on hold, or when the funds will be released. After I complained, via chat ( on XXXX ) and phone on ( XXXX or XXXX ) I did receive an email from the bank on XXXX/XXXX/2015 stating that there was a notice added to my account. When I logged on to my on line banking to read the notice there was a notice. Strange, but the online notice was dated XXXX/XXXX/2015. The notice states the following : A hold was placed on your check ( XXXX ) because check specific information indicates item may be returned. When I checked the notice the XXXX time, on XXXX, I do n't recall seeing a date when the funds would be released. However, it is possible that I am mistaken regarding there being a release date on the letter- and I will check my records to see if I have downloaded the notice prior to today. However, the online notice is an obvious template with a box to add information and I am skeptical that the release date was in the notice the XXXX time I checked. The reason I am skeptical is, that I specifically called a customer service agent to ask for a letter, and the release date of the funds. The agent I spoke with told me, over the phone, that the funds would be available on XXXX. Now the notice, that I have to log in to my account states the date for the funds will be available on XXXX/XXXX/2015. I do n't understand why the bank ca n't tell me whether or not the check is good, and is not able to obtain the funds into the account in 10 days! I work on weekdays during banking hours and have had no answers from Bank of America 's customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were asked concerning a Statement we had attached to our mortgage credit reporting, to now request from the provider the documents that confirms what is being reported to the credit bureaus on the XXXX year / XXXX month terms that is being reported for our mortgage credit accounts. 

Also, a request for a copy of the signed document that has the word " XXXX  '' on it.
Product: Credit reporting or other personal consumer reports

I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.
Product: Debt collection

Debt was paid in full but I didnt not get the pay and delete letter as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Product: Credit reporting or other personal consumer reports

I requested an investigation for accuracy of my consumer reports and Equifax responded to me on XX/XX/XXXX that this informationfoXXXX XXXXXXXX XXXX  XXXX account # XXXX was reporting accuralty and they verfiied it with the creditor. However, I have found the reporting of the late payments XX/XX/XXXX and XX/XX/XXXX are reporting inaccurately. I have attached proof. 

As per the FCRA, Equifax failure to reinvestigate is an intentional and negligent FCRA violation. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, I am due {$1000.00} per violation :
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681i Procedure in case of disputed accuracy section ( a ) ( 1 ) ( A ) states that upon of receiving a dispute from a consumer, that consumer reporting agencies have less than 30 days to complete the investigation and take action by confirming if the item is inaccurate and record the status or delete the item from the file- I sent Equifax Information Services LLC a dispute letter on XX/XX/2022 informing them to verify several items on my consumer report and it's been well over 30 days and I have yet to receive any response or status on the dispute. 

- I then sent a 2nd letter via certified US Postal Mail dated XX/XX/2022 which arrived on XX/XX/2022 and have not received a response or updates on this investigation. 

15 USC 1681 section 602 A defines that a consumer has a right to privacy 15 USC 1681 section 604 A section 2 details that a consumer reporting agency may not furnish a consumer report unless in accordance by the consumer in written form
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

After checking my latest credit report, I discovered several accounts that I suspect were added without my permission and are inaccurate. I am requesting that these fraudulent accounts be blocked and removed from my report right away.
Product: Credit reporting or other personal consumer reports

XXXX has failed to remove account which company acknowledged appears due to identity theft. 
Equifax has failed to comply with the FCRA by responding to dispute within 30 days as required by law.
Product: Credit card or prepaid card

there was an {$18.00} charge by an XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX on my statement on XX/XX/19 & an International Purchase Fee of {$0.00} on XX/XX/19 that I did not recognize. I began immediately to call & try to alert the Fraud investigators at Comerica ( XXXX XXXX XXXX ), my XXXX debit card Account. Their lines were too busy to take my calls until I finally got through on XXXX XX/XX/19. the SR Number is : XXXX for my complaint & XX/XX/19, I got a dismissal letter from the Fraud Division, claiming there was a conflict in my report & disallowing my report of this theft of my SS funds. When I tried to get through to request the documents from the investigation, the lines were busy again. this is about the XXXX time I have had these unauthorized theft of FUNDS in this account & been told it wasn't a theft, but never got the records of the investigation. This is happening way too often, in this XXXX Comerica Account. I need a better result, I hear the same thing from my known XXXX recipients too. The LAW needs to be changed to require at least the business phone number from these HACKERS, so a complaint doesn't get brushed aside. I can't afford these losses of my meager living expenses.