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

COMPLAINT ID : XXXX 15 US Code 1681i- Procedure of disputed accuracy CRA took 60 days to investigate the disputed items submitted. CRA has 30 days. May be up to additional if I would have submitted new information or documentation which would allow them additional 15 days. That did not happen. Violation by taking 2x the allotted time to investigate. 

The information I disputed and the notice I submitted was not documented that they submitted a notice of dispute within 5 days. That is required. The CRA did not do that. 

Please provide reasonable methods used to verify. Provide the evidence of the reasonable procedures that you used to come to such a conclusion that it was the disputed information was verified. 

Who did you talk to? What is the telephone number of the person you spoke to? What address did you contact? Your procedures for investigation are impartial and fair to preserve the rights of me, the consumer. You have failed a description of the procedure used to determine accuracy and completeness. Any furnisher/lender/creditor must have my signed disclosures that I gave them permission to report. *VIOLATION *Violation of the Gramm-Leach-Bliley Act* 15 US Code 1681i- Procedure of disputed accuracy ( C ) Contents of Notice ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.

The CRA failed to outline just that. How was the information I submitted used to verify the disputed items on my credit report? What information did you use to modify my credit report? The information that I sent to you? BC I have the right to privacy and if you obtained any verifiable proof, my permission ( verbal or written ) to report these items in the first place. So how can you verify or modify something that isn't supposed to be listed in the first place? 15 USC 6802 Violation.

Where is the evidence that I gave permission and consent? Provide evidence that the company has permission to report the disputed items on my credit report.

If you are in a business transaction with various reporting services, how does this make your investigation fair and impartial? These companies are paying you to report. This is identity theft. I am not part of that business transaction. This is hurting and harming me and my financial powers.
Product: Vehicle loan or lease

I had requested the capital one void my auto loan agreement due to the lack of title transfer by the car dealership XXXX XXXX despite the completion of the purchase and disbursement of funds by capital one auto finance I had not received the title to the vehicle over all this failure to transfer title constituents, a material breach of the auto loan agreement under the uniform. Commercial code UC, see section 24012. The seller is required to transfer the title to the buyer upon delivery of the goods. In this case, the seller XXXX XXXX failed to feel this obligation, rendering the contract void for the more you see C-section 2 602 provides a buyer may reject the goods if they do not conform to the contract as a seller failed to transfer a title, the goods which is the vehicle did not conform to the contract, allowing me to the reject them I am requesting that capital one auto finance immediately terminate the auto loan agreement and refund all payments, made a fool. I am also requesting that any liens or security interest placed on the vehicle. Be released. 

I had made complaints to attorney general and the dealership. 

The dealership lied and stated that they provided me with title which is untrue. The only sent me a XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have three debts on my credit report that are not mine. 
XXXX XXXX for XXXX dollar amounts of {$470.00} {$510.00} The third one is XXXX XXXX XXXXXXXX ( Apple Card ) {$2500.00}
Product: Debt collection

on XX/XX/XXXX  i received a call from XXXX, when i answered the call i received a recorded message saying no agents were able to assist me, to call back. when i called the number back, i heard someone typing. after saying hello a few times, i received a recorded someone will be with you in a second. the girl then answered the phone and had me verify the number that called me a few times. she could hardly speak english. she asked me to verify my information which i refused, then she tried to get me to read a reference number she gave me back to her. I refused. she told me she found an account based off my phone number, but could not provide any details and had to transfer me. I informed her i was on the national do not call list and asked why she was calling.
Product: Credit reporting or other personal consumer reports

I'm disputing inaccurate address information on my Experian credit report. My report currently shows XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Address ID # XXXX ) XXXX XXXX XXXX, XXXX, GA XXXX XXXX Address ID # XXXX ) Only the first address ( XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ) is my current correct address. The other two addresses are either incorrect or outdated and should be removed. Having incorrect addresses on my credit report creates confusion about my identity, may affect my credit history accuracy, and potentially exposes me to identity theft risks. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) requirements for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). I have submitted a written dispute to Experian requesting removal of the incorrect addresses, but the issue remains unresolved.
Product: Credit reporting or other personal consumer reports

I have on numerous attempts requesting that the erroneous information be updated/corrected on my credit report. Credit reporting agency continue to respond that the information was verified and continue to report inaccurate data.
Product: Credit card or prepaid card

XX/XX/2021. Purchased an XXXX  on XXXX using XXXX - paid with my citi card. Seller would not ship item. Tried to file a claim with XXXX, they referred me to XXXX. XXXX said go to XXXX. I filed a claim with Citi cards. I have not received the item, nor have I received a refund. Citi has not yet fixed this. This is causing undue stress in these times.
Product: Credit card

Dispute was filed for service not provided when an accountant failed to do what he was hired to in the course of the year and the IRS demanded payment so I fired him. After the first denial, I learned they wrongfully put the reason as " paid another way '' as I said I ended up paying a bill to the IRS I don't owe. They reopened it they said, as service not provided, but then they denied it again. When I called I was told the reason was never changed. I contacted their corporate " integrity department '' and they did a review of the process, and it was denied again as they only honor disputes if their is proof of refund due- which is against my rights as a consumer. 
Dispute is regarding XXXXXXXX XXXX XXXXXXXX for {$1600.00}.
Product: Credit card

In XXXX of XXXX  I got a loan from XXXX XXXX  to consolidate some credit cards, one of those credit cards being Comenity Bank/Bread financial . 
XXXX  XXXX has record that Comenity Bank/Bread financial 's payment was paid in full, processed and cleared on XX/XX/2023. CB/BF states they have not received payment. A XXXX XXXX representative and I spoke to a Manager named XXXX at Comenity Bank/ Bread financial on Friday to try to locate the payment. One of the managers we spoke with before XXXX stated that the dispute and billing department do not accept in bound calls and stated that the dispute I had opened in XXXX had been closed ; even though the dispute has not been resolved. 
XXXX stated they needed a transmittal number and an ACH information form, which I sent Friday. 
I have called CB/BF and spoke with at least 3 managers over the last several months and have explained how the payment was made via secure messages on their website, and this was the first time this information had been requested. 
I also recieved correspondence requiring my account that had incorrect information in it. 
CB/BF has informed me they have closed the dispute without resolving the lost payment issue, they are charging me late fees and interest. They were paid XXXX and that payment was processed and cleared on XX/XX/2023. 
I am paying my loan to XXXX for this account and since CB/BF can not locate the payment, which is not the fault of myself, they want me to start paying payment to them even though.the dispute regarding payment has not been resolved. I have been fighting with them since XXXX of this year on this matter. XXXX suspects that the payment went onto someone else 's account, even though it was through an electronic payment with all of the credit card information on it. 
I feel as though someone at CB/BF has found a way to steal from their customers.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX, EXPERIAN, XXXX, & XXXX is reporting late payments on account # XXXX. 

I have tried to settle this matter as of 2 years and XXXX XXXX XXXX XXXX or the CRA 's still has NOT updated the payment history and is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, these agencies are in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 4. Violation of the Privacy Act of 1974
Product: Checking or savings account

It concerns an account of my late daughter. 
She passed away XX/XX/2023. 
I have not been able to achieve or receive the balance at her death. 
I have made numerous attempts through phone calls, letters during this past year. I have sent everything they have requested to identify myself and prove I am next of kin. I have not received any answers or replies. I filed a afidavid and notarized XXXX XXXX with XXXX XXXX XXXX XXXX in Arkansas. 
I have sent them a copy plus death certificate, her ID, my ID, her birth certificate and still have not received any funds or acknowledgement. 
I also asked for a statement of the last month of activity on account XXXX XXXX XXXX  XXXX Chime XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting or other personal consumer reports

Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Item in dispute : XXXX XXXXXXXX XXXX XXXX, account number : XXXX Source of dispute information : XXXX XXXXXXXX XXXX  Type of disputed information : Mortgage payments Dates associated with item being disputed : XXXX  XX/XX/2023 Explanation of item being disputed : The mortgage bank increased my payment due to an escrow increase. I didnt receive notification of the increase so for two months my automated payment was short for a total of XXXX dollars, which I paid immediately upon discovery of the shortage. After numerous phone calls with XXXX XXXX XXXX, the said that that the phone number that had for me was wrong. It was a phone number that Ive never heard of and not close to any existing number Ive ever had ( I have the phone recording ). On the phone call, which I have recorded, they stated that they were wrong and it shouldnt have been reported for an escrow shortage. I have made my payments via billpay XXXX XXXX XXXX XXXX XXXX every month without exception. My XXXX XXXX Payment history bank printout is attached.
Product: Debt collection

AMCOL Systems ( a debt collector ) reported a debt on my credit reports without notifying me of any debt owed. And previouslyy agreed already to remove it and have not. I have been fighting for many years regarding 2 amounts not owed by me that continue to be bought and sold by creditors and then reported on my credit without my knowledge. Disputes get acknowledged and the reporting removed only for the next creditor to repeat the same actions of that it acquired the fraudulent debt from. Please see that it is removed from all credit reports.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other name listed on my report AT ALL. My address is XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX. There should be no other addresses on my report. I demand for each XXXX, Experian, and XXXX to should be the papers where they have authority to report this information and where it was verified from. My name is copy righted property and neither have permission to use it in the manner they have been.
Product: Credit card or prepaid card

BARCLAYS Creditcard, Application XXXX for an XXXX XXXX XXXX XXXX, from XXXX. My Credit score at all 3 Credit Bureaus is between XXXX and XXXX. 
Barclays get the information about my identity from all major credit bureaus. Even that Barclays ask my to SEND (! ) by mail highly private and sensitive Documents ( see attached copy of the Barclays letter ) AFTER Barclays pulled my credit reports, which lowered my credit score! If BARCLAYS don't trust the information from the credit bureaus the should ask me BEFORE the ask the CR Bureaus for my scores! BARCLAYS damaged my Creditworthiness and thus damaged my reputation. This is the reason why I ask for a compensation. My attorney says I can do this!
Product: Credit reporting or other personal consumer reports

I have applied for car loan with XXXX on XX/XX/XXXX and loan got approved. But I see below unrecognized hard inquiries in my report in XXXX and XXXX. I tried contacting XXXX and XXXX but asked me contact creditors. Creditors are not reachable, I don't have any account with them and I don't know anything about these creditors. 

SANTANDER CONSUMER USA Inquiry date - XX/XX/202XXXX XXXX XXXX XXXX  Inquiry date - XXXX XXXX XXXX  I am unable to reach them, so filing complaint to remove those hard inquires from my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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

I am filing this complaint to remove inaccurate information from my credit report with Equifax.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I got scammed from someone claiming to be an XXXX employee. I needed help getting a refund and he said he can send it through Zelle. He ended up saying to send him {$350.00} and he will pay everything back. Soon after I paid him he said he will call right back and ended up blocking me
Product: Checking or savings account

I had lost access to my checking, savings, mortgage accounts as well having lost my ability to write checks and use my bank card. Now after XXXX weeks I still do not have full access to my accounts. Webster has out sourced it help desk to some foreign nation with people who have very heavy accents and their only response is to change my password which I have done 16 times to no avail. When I go to the local bank branch they tell me the the main office has to fix the problem. Webster says it has upgraded its security but in the process they have screwed up virtually everything. Some one needs to be fired or the bank should be fined for this debacle.
Product: Credit reporting or other personal consumer reports

Im filing this complaint against Experian because Im beyond frustrated with their willful violation of my rights under the Fair Credit Reporting Act. This is the third time Im disputing this XXXX  XXXX, ACCOUNT # XXXX, and Experian still hasnt deleted it. This account does not belong to me, and I have never given written permission for it to be reported, which is a direct violation of 15 USC 1681b ( 2 ). Instead of properly investigating my disputes, Experian keeps sending me the same computer-generated responses, which is not a reasonable procedure and clearly violates 15 USC 1681n . I am tired of this negligence because it is seriously damaging my life. I have been trying to secure a mortgage, but because of this false account still sitting on my credit report, my family is now at risk of losing a home. Experians failure to do their job has financially hurt me, and I refuse to let them keep violating my rights without consequences. I also do not consent to Experian using AI verification like E-OSCAR, because that is not a proper investigation its just a shortcut that allows them to dodge their legal responsibility. At this point, I have had enough. I demand that the CFPB step in immediately and hold Experian accountable for their ongoing violations. I want this account deleted now, a written confirmation from Experian stating it has been removed, and a new copy of my updated credit report. If Experian continues to ignore my rights and refuse to follow the law, they need to be held legally responsible. I am requesting an investigation into their pattern of non-compliance and expect civil penalties to be imposed for their willful violations. This is my third dispute. This should have been resolved already, and I will not tolerate being ignored any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One closed my credit card account on XX/XX/2019 after my card was paid in full by XXXX XXXX on XX/XX/2019 for the transactions of {$1000.00} and {$100.00}. In XXXX they claimed the reason for closing my account was because they could not verify my identity. But My complaint against capital one is that my account was in the positive when capital closed it but on XX/XX/XXXX capital one fraudulent reported to the XXXX bureaus on XX/XX/XXXX that my account was closed was XXXX  days passed due for {$2.00} causing my XXXX XXXX to drop XXXX points. even though capital one reported the account positively and accurately for XXXX, XXXX, XXXX and XXXX they fraudulent reported to the XXXX  bureaus that they closed the account in XXXX. I contacted capital one about misleading the XXXX   bureaus and reporting in accurate information about this account and to remove the past due reporting especially since the account was never past due when they closed it but they have ignored my requests
Product: Debt collection

I have received repeated calls from Transworld systems Inc. This is been going on for over  six m onths. I have called them several times and found that they are attempting to collect a debt from my husband 's ex wife. I have repeatedly told them that I do not know where she is and that I am not her. The calls have not stopped. Their phone number is  XXXX .
Product: Student loan

Once again Navient has created false documents. This is my third complaint. I did not agree to a forbearance. Nor my co-signer. They kept rearranging payment documents. Now they say auto pay has been deleted. And another forbearance which wasnt requested wasnt accepted. Yet the so called first forbearance they have yet to send documentation. I havent done anything on this account. Its been charged off. To my knowledge the first phone calls I got I didnt understand the process. Felt rushed to accept a deferment XXXXyears ago. Now this lender not only refuses to get off my credit report. But refuses to do what they said they would do to begin with delete the forbearance. I have stop communication with this company. Due to lack of customer service and solving problem accordingly. Lying continuously.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, please remove under 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

I was completely shocked when I checked my credit report this morning and found incorrect accounts listed. I have no explanation for how these discrepancies appeared. I tried refreshing my browser, hoping it was just a technical error, but the inaccuracies persisted. This situation is really stressing me out, and Im requesting that the documents Ive submitted be thoroughly examined so I can stop worrying about this.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

HIPAA Violation I requested validation ( not Verification ) of items being reported to the credit bureaus. ARS Account Resolution responded in multiple letters that they have " verified '' these accounts. This " verification '' presents multiple violations by ARS Account Resolution as well as the Credit Bureaus. First, ARS Account Resolution did not provide the evidence of validation that was requested and also by providing this information they are in violation of my HIPAA rights.