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

I am filing this complaint regarding three violations of the Fair Credit Reporting Act ( FCRA ) : 1. A car dealership submitted my loan application to multiple banks without my explicit consent, leading to numerous unauthorized hard inquiries on my credit report.

2. TransUnion refused to investigate my dispute regarding these unauthorized inquiries when I reported them in writing and via their text communication system. A TransUnion representative stated that disputes must be mailed in and that I would need to contact each creditor myself to resolve the matter. This contradicts the requirements under the FCRA, which mandates that consumer reporting agencies investigate disputes regardless of the method by which they are submitted.

3. TransUnion placed a fraud alert on my credit report without my explicit request or authorization.
Product: Student loan

Charging me way too much on a monthly basis with no cares about how this impacts my life or if I have other lenders servicing other student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the date last active and date last reported ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactions that belong to this company that would prove my payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed. 

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act of XXXX Account has Violated my rights. 

15 USC 1681 Section 602 A Section 1.I have the right to privacy 15 USC 1681 Section 604 A Section 2. States A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XX/XX/2016 {$940.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S. Code 1681 602 ( a ) ( 4 ) 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 Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S.Code 6801 which states, " 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. '' ( XXXX XXXX XXXX ), is a financial institution by definition under that title. 15 U.S.Code 1681 604 ( a ) ( 2 ) states, " 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. '' ( XXXX XXXX XXXX ), the financial institution, and the Consumer reporting agencies Experian, 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 Experian, XXXX, or XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 U.S.Code 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. '' ( XXXX XXXX XXXX, Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.Code 1681c 605 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) of this section, 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. '' These accounts are adverse items 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. Experian and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have violated my rights cant look at my credit report after being a ID theft victim Im concerned that someone has my information but I cant see whats on it
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/2018, I paid Citibank the full amount owed on my account and they submitted to the credit bureaus that I paid a settlement amount. That is completely false. I am extremely disappointed that that this inaccurate information was included in my file. 

Debt is owned by Citibank. 

Credit Card : Bloomingdale 's XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Status being reported on by   XXXX   CRA.     Entry by   XXXX   XXXX   XXXX   XXXX  : Owed {$340.00}  XXXX   XXXX   XXXX .   XXXX   XXXX    XXXX , NH  XXXX  Credit reporting agency is documenting a claim by   XXXX   XXXX   XXXX   XXXX  on my credit report that I owe  XXXX   XXXX  a balance of {$340.00}. This amount has been paid to  XXXX . My bank is reporting this as rebilled (  XXXX   XXXX ,  XXXX  ) and paid by me to  XXXX .   The original payment was made by Cred it Card (   XXXX   XXXX ,  XXXX  ), dispute d (   XXXX   XXXX ,  XXXX  ) and the dispute w as withdrawn/rebill  (  XXXX   XXXX ,  XXXX  ).      XXXX  Contact by me :  XXXX   XXXX ,  XXXX  letter  XXXX   XXXX ,  XXXX  Letter   XXXX   CRA falsely reported unpaid  XXXX  balance was disputed  XXXX   XXXX .   No action taken returned to me by   XXXX    XXXX   XXXX , I possess and presented  XXXX  proof of payment.     Submitted credit card statement showing rebill for {$340.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts reporting on my credit proflie please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Debt collection

They will not send me any documents proving this is my account, I asked them multiple times how are they verifying this is my account reporting it to Credit report.
Product: Checking or savings account

I had made a direct effort via the XXXX XXXX XXXX ( XXXX ) XXXX, XXXX Too renew my I.D . ( in very bad Health condition ) via The Department of Motor Vehicles, because my Kentucky state Driver 's License had been expired for over a 5 year period, too be present in person and interact with a bank teller ( I also attempted a cash withdrawal in person/an available balance request/request for the bank teller receipt in person ) at a Truist/BB & T bank location because I had suspected when I would call the # on the back of the debit card ( XXXX ) they had stopped verifying my address. 
There's has been a deactivation message via truist/BB & t bank cardholders services a number of times " the status of this card is unknown '' over the phone, where I had been left stranded in my home for XXXX business days until the B B & T debit card had been replaced.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OPEN UP A   XXXX   XXXX    ACCOUNT  USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME    XXXX   XXXX    WHICH IS A FEMALE  XXXX , I AM   XXXX   XXXX  . I SENT POLICE REPORT TO EQUIFAX AND  XXXX  SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

They told me if I paid settlement amount. Upon receipt they would remove from the credit bureaus. They have not they stated they have not had the time to do it. It has been over 2 yrs.
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute an account on my credit report that I believe was opened through unauthorized and fraudulent use of my identity. This account does not belong to me, and I did not give consent for it to be opened or used in any way.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting the immediate blocking and deletion of the following fraudulent account and unauthorized inquiry from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$660.00} Unauthorized Inquiry : XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

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

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

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

I requested the debt validation several times and have never received. 
This is a shem and attempt to collect the money that I do not and never owed. 
This company must be charged for extortion and attempt to rub.
Product: Debt collection

I entered into an agreement on XX/XX/XXXX, with Guglielmo and Associates to make payments on a debt totaling {$1000.00}. The terms agreed to stated that payments must be made to the office by the XXXX of each month until paid in full. The Stipulation of Judgement states that if the agreement is defaulted on, court costs, lawyers fees, and interest will be added on to the total amount, and the Judgement will be filed with the court. 
On XX/XX/XXXX, I called the office of Guglielmo and Associates and informed them my payment for XXXX would be late, due to medical reasons. The associate I spoke with told me that would be ok, and they would note in my file that a payment was arranged. I made a payment online for {$50.00} on XX/XX/XXXX, proof of which is attached. On XX/XX/XXXX, I received a letter from Guglielmo and Associates, dated XX/XX/XXXX, titled NOTICE AND DEMAND RE : GARNISHMENT, demanding full payment of my debt ( {$850.00} ), plus " Attorney fees '' ( {$240.00} ), and " Interest '' ( {$35.00} ). I did not receive any written notice of Execution of Judgement. The letter stated that " to arrange a possible resolution to this account prior to further legal action contact our office ''. I called, spoke with an associate about the letter I received, informed him I had made all my required payments up to this point, and that I had not received anything telling me that I had defaulted on the Stipulation of Judgement. He said that he " just restarted my payment plan '', and agreed that I had made all the required payments. He also told me that " something '' had been mailed to me. When I told him I hadn't received anything and asked for it to be either mailed again or emailed, he told me it couldn't be sent again. When I objected to the additional fees being added on to my account, he said he " couldn't do anything ''.
Product: Debt collection

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure 10 investigate these item within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong
Product: Debt collection

On XX/XX/XXXX I received a notification that there has been a change to my XXXX XXXX credit bureau. Imagine my surprise when a collection agency Ive never heard of and have no communication with play some erroneous amount on my credit bureau. Remove this collection from my credit file and Im thinking {$1000.00} for the damage that youve done to my credit. Next I hire an attorney.