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

XXXX, Transunion and especially XXXX I've been filing disputes via online, over the phone and sending dispute letters since XXXX of XXXX, XXXX of XXXX, up to the present day of XX/XX/XXXX. Every time I filed disputes for inaccuracies like Charged off accounts which the company must file a 1099-C debt cancellation reporting it as income in the amounts of {$230.00} ( XXXX XXXX ) XXXX {$350.00} ( XXXX ) XXXX {$530.00} ( XXXX XXXX XXXX XXXX {$250.00} ( XXXX  ), {$280.00} ( XXXX XXXX ) which was a {$2000.00} secured card, {$450.00} XXXX XXXX XXXX XXXX  XXXX {$26000.00} was a breach of contract coercing me to sign the contract they way they wanted me to or else they wasn't going to sell me the vehicle knowing I needed one for my personal, family and household needs. And since the companies in question are reporting these charged off accounts as income they no longer should be on my credit report. and so the credit bureaus refuse to correct these errors as if they are deliberately ignoring my request. They never in the history of me filing disputes sent me verifiable and validated proof of any debts and will not even remove them one time in good faith. I've experienced severe financial hardships I suffered constant denial of credit because of this unresolved matter over the years of communicating with these bureaus Especially Experian. I've also requested them to remove non-mailable addresses from my credit report and they said they would but when I went back to check my report the address were still there, so they lied to me. That's why a question their motives, authenticity and what they stand to gain or lose by making these simple corrections on my report. It even got to a point where I wasn't allowed to dispute some inaccurate any further. I think they are engaging in unfair and deceptive practices and have violated my consumer rights time and time and time again. I've pointed out to them that they have violate the FCRA, FDCPA, ECOA and the CCPA and they seem to be unfazed by these violations. A few of these third party debt collectors I have absolutely no business or contract with. And I don't have the time to go back and forth with these bureaus. That's why I'm filing this complaint because I NEVER got ANYWHERE corresponding with these credit bureaus. I feel targeted and discriminated against. I also put the parties involved on expressed notice that I had a priority lien and beneficial security interest in the Debtors property including my Trade Name. They ignored everything I conveyed to them verbally and in writing. see attached.
Product: Credit reporting or other personal consumer reports

FDPCA ALL INFO ON MY CREDIT REPORT MUST BE ACCURATE.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES

FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692XXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Mislea
ding False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Ownership Individual Original Creditor -  Company Sold-to
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXXXXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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.
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 XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Information Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information contained in my credit report. My name is XXXX XXXX XXXX, and the last XXXX of my Social Security number is XXXX. My date of birth is XX/XX/XXXX. 
Upon reviewing my credit report dated XX/XX/XXXX, I noticed the following inaccuracies that I believe require correction : National Credit System Account Number XXXX Address XXXX XXXX XXXX XXXX Amount : XXXX Phone : XXXX I'm writing to formally dispute inaccurate information reported on my credit report. Despite submitting multiple disputes, the erroneous information persists. To date, I have not received confirmation that a thorough investigation has been conducted into these inaccuracies. I request your immediate attention to this matter and a prompt resolution to ensure the correction of this reported information. I look forward to your swift response and confirmation of the steps taken to rectify this situation. 


Under the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated and corrected promptly. Please inform me of your findings once your investigation has been completed. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company who reported incorrectly gave the loan details to me in which also they never called me about a missing payment when I was clearly paying weekly. They were no help and reported payments missing though I attempted to call with no answer multiple times due to needing covid assistance with my purchase. 

I still paid everything off before they reported the account as delinquent.
Product: Credit reporting or other personal consumer reports

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received notice. I have no debt or any contract with XXXX XXXX XXXX or XXXX XXXX XXXX. On my Experian Credit Report the company name is XXXX XXXX XXXX and on my XXXX and XXXX report the company name is XXXX XXXX XXXX which is it? The account number that this company has placed on my report is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX  XXXX  Amount : {$610.00} XXXX XXXX XXXX Past Due Amount : {$210.00} Dispute XXXX XXXX XXXX   Past Due Amount : {$140.00}
Product: Debt collection

On XX/XX/, I received a notice dated XX/XX/XXXX  on a debt in the amount of XXXX from XXXX XXXX XXXX, XXXX representing Pay Pal ( creditor ). I have never used PayPal, nor do I even know what this is for. I have never received anything from PayPal. I am a victim of identity theft and felt compelled to report this to the CFPB.
Product: Credit reporting or other personal consumer reports

I have an auto lease XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXXXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me XXXX days late in XX/XX/2022. There was an error on their part. I was never XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : 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: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 credit reporting agency Transunion continues to violate my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by reporting fraudulent consumer credit transactions that are due to identity theft. 15 USC 1681c-2- Block of information resulting from identity theft states that except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt by such agency of - ( 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. Having this knowledge Transunion needs to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy by immediately blocking the accounts that are a result of identity theft from my Transunion consumer credit file and report. The purpose of the Fair Credit Reporting Act is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681. I have attached all requested proof of identity, a copy of identity theft report and notarized identity theft affidavit, identification of the identity theft information that appears on my Transunion consumer credit file, and a statement by me the consumer that the information is not information relating to any transaction by me. 

I AM A VICTIM OF IDENTIY THEFT!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an insane amount of errors on my credit report and you refuse to fix them or delete the account. pursuant to USC 1681 B you have an obligation to do right by thr consumer and you will not abide by the rules.
Product: Student loan

I ca n't lower my payment ( {$50.00} ), had two forbearance agreements on this same loan amount. Not sure how this has effected my credit, my payment amount, or how they did it on the phone with me not signing or me reading any part of an agreement on-line or in hard copy. The amount never seem to go down even when I have made large payment. Now I feel it was not worth even trying to get an education at all due to all this debt it has cause me.
Product: Credit reporting or other personal consumer reports

The inquiries showing in the report of XXXX and TransUnion is incorrect and must be deleted accordingly : XXXX : XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


TransUnion XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed by your agency on my credit report, referenced by the account name [ XXXX XXXX XXXX ]. I believe this debt is either inaccurate or invalid due to the following reasons : 1. Debt Sold Without Proper Notification : I was not properly notified that the original creditor had sold my debt to your agency. I request proof that you have the legal right to collect this debt. 
2. Account Information Discrepancies : Account reported was open XX/XX/2024 with a balance of XXXX 3. Verification of Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. This includes a copy of the original agreement, proof of the amount owed, and a clear chain of assignment from the original creditor to your agency. 
Please provide the following documentation to verify the debt : The original signed contract or agreement. 
Proof that the debt was transferred to your agency and the full chain of ownership. 
Any relevant statements or records of the debts history. 
Until the debt is properly verified, I request that you cease reporting this collection account to the credit bureaus. If you are unable to provide the requested documentation, I ask that you remove this collection account from my credit report immediately, as it is being reported inaccurately. 
Please note that under the Fair Debt Collection Practices Act, you are required to respond to my dispute within 30 days. If you do not respond or fail to validate the debt, I request that this entry be removed from my credit report. 
Thank you for your cooperation in resolving this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX  Balance : {$5700.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

We have had a Wells Fargo home loan that was in good standing for over 20 years. We pay electronically or via telephone and never review our statement. Our loan is at a 7 % interest rate and although we should have, we did not refinance our loan knowing that it would be paid off XX/XX/XXXX therefore, we always paid whatever the payment computer screen or telephone prompt said to pay. In early XX/XX/XXXX our loan was transferred to a different servicer and we received a statement to review for corrections. We immediately noticed that the maturity date had been extended to XX/XX/XXXX and reached out to both Wells Fargo and XXXX via telephone. After multiple telephone attempts, we sent a certified letter to XXXX which took them almost a month to respond. They submitted a Wells Fargo doc dated XX/XX/XXXX that we have never seen before nor did we sign that extended our loan until XX/XX/XXXX. We asked for correspondence and an account statement and were told that we would have to go to Wells Fargo. When we went to Wells Fargo they stated that they did not have any information surrounding that modification agreement and referred us back to XXXX. We have everything well documented should you need that information. Our loan # with Wells Fargo was # XXXX and our XXXX Loan # is XXXX
Product: Checking or savings account

This started on XX/XX/2021. I had {$600.00} in my bank account from Friday after receiving my paycheck to Monday, did not make any other transactions. I had the day off and took my kids to XXXX XXXX XXXX 's and out to lunch, totally out to be {$140.00}. Waking up on Tuesday, all of a sudden my account was negative. Not only negative but already 2 overdraft fees attached to it. There were some preauthorized bills that were supposed to come out of my account, but the XXXX, I still had plenty. However, since that day I have received 17 overdraft fees of XXXX dollars each. I have made the account positive, and then another charge of XXXX. {$610.00} in overdraft fees in a matter of 2 and a half weeks. They waived 3 of those charges equaling to XXXX, but has not stopped continuing to charge my account. 

I am a single mom of XXXX kids, I pay attention to my money and have had this account for 11 years and have NEVER had fees like this. US Bank has not done much to help with this situation, and have just been taking my money.
Product: Checking or savings account

Two checking accounts were opened under my name on XX/XX/23 at Regions Bank. One ending in XXXX and XXXX
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX ( XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

A former boss, pre paid money into my credit card and bought the goods with my credit card and then called his bank to stop payment saying that it was a fraudulent transaction and the credit card company XXXX American Express ) is saying that I owe the money. I went to the FTC and the FBI about the matter and nothing has been done. It ruined my credit score and I want to sue American Express because I lost a job opportunity because of it.