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

I recently ordered my consumer credit file from Transunion, XXXX and XXXX and notice these late payments with XXXX XXXX XXXX  # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Product: Debt collection

Subject : Dispute of Unverified Collection Reported by XXXX Account XXXX A collection account from XXXXXXXX XXXX XXXXXXXX, related to XXXX XXXX XXXX XXXX, was added to my TransUnion credit report between XX/XX/year>, and XX/XX/year>. I was not notified of this debt and have not received validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting : 1. Validation of the debt, including proof it belongs to me, a breakdown of the amount owed, and documentation showing XXXX XXXX XXXXXXXX authority to collect. 
2. Immediate removal of the account if validation can not be provided.

3. That the account be marked as disputed until validation is completed. 

Reporting unverified or inaccurate information violates FCRA Sections 611 and 623. I ask for the CFPBs assistance to ensure compliance and resolution of this matter. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying this company between {$350.00} and {$250.00} per month for the past 1 1/2 years. I was told they would reduce or have my private student loans cancelled. They also told me my credit would not be affected and if it was they would repair it. come to find out my credit is shot and all of my debt was sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of terminating my contract with XXXX XXXX XXXX Timeshare due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the Timeshare been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

1- Lied about ease and availability for any and all units in the XXXX XXXX. We have never been able to book any XXXX  property using the service we paid. 

2- Promised us One on one service for booking our first visit, never had a callback from our salesperson after our initial meeting. 

3- We were promised a period of stay at our " home '' property and were never able to use. 

4- We were told the unit would earn value but when we tried to resolve with XXXX, they were only going to buy back at a seriously depreciated " title '' and additional fees. 

5. Paid then over XXXX and never used properties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( Hard Inquiries are listed below 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 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

An account was created in my name at SunTrust Bank. I've never banked there, have no desire to bank there. Each month {$10.00} in fees are assessed to this empty account. I have called and emailed and tweeted SunTrust but they refuse to or are unable to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates, I wrote and sent letters to the XXXX major bureaus ( XXXX, XXXX, and Experian ). I received no correspondence from XXXX or Experian, but XXXX did send me a stall letter, after the XXXX days they are allowed by law, claiming they felt I did not right the previous letters but instead used a company to do so on my behalf. They have sent me this letter multiple times in which I have responded to them that I am the person sending the letters and have included my driver 's license with each letter. The other XXXX bureaus, XXXX and Experian, just have not responded to my claims, they have not corrected any inaccurate information on my credit reports, or provided me with any proof of accuracy. XXXX hasn't corrected any errors or provided any proof of accuracies either. Please note the dates below that I have sent all XXXX bureaus requesting to investigate negative/inaccurate information on my credit reports. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I will be sending them letters again today demanding they do what is legally required of them by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. Equifax is refusing to remove this information even with the documents that I have sent in.
Product: Vehicle loan or lease

So I am working with bridge crest financial to get my loan back up to speed, I have XXXX XXXX XXXX  XXXX and have a hard time talking.So on XX/XX/2020 XXXX i set up a payment agreement with XXXX a supv. at bridge crest and may sure I would not receive anymore calls till XXXX sure enough on at XXXX XXXX  on the same day, received a call harassing me.so i called back at XXXX XXXX   and talked to XXXX and she said she would look into it. so this morning sat XX/XX/2020 at XXXX XXXX  i get a call back saying that were sorry about call and that that would educate csr and manager. i am under doctors  orders to talk as little as possible, last year they compensated me XXXX for calling at XXXX XXXX  for my agreeing not to file complaint. now the wont or refuse to compensate me for harassing calls after admitted fault and violating laws regarding harassing calls. i have all recordings of calls since XXXX is a one party consent, and screen shot of call made to me.Attached is number of XXXX that was called at XXXX XXXX  that was in violation
Product: Debt collection

on XX/XX/19 i received a call stating i owed a debt and if i didnt pay they would ruin my credit. they were very disrespectful and forceful with trying to pry out information. this company also used a robo caller with a false local phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my credit report with experian. I realized that I was a victim of identity theft and disputed accounts listed that were not authorized by me to them. Experian has refused to remove a fraudulent account that was listed on my report after sending verifying information showing that the account did not belong to me. I tried again disputing this fraudulent account and they have told me that I am no longer authorized to dispute this account because it was verified by the company. I contacted XXXX XXXX on XX/XX/2017 and spoke with a supervisor named XXXX and he conducted a search and nothing came up using my social or name. I was asked to fax over information ( social, utility bill and DL ) the company used this information to update this fraudulent account.
Product: Debt collection

On XX/XX/19 this company called me at my job and I told them to never call my work number again. On XX/XX/19 I received a message from my coworker telling me that some company called him on his work phone asking about him about me while I was at lunch.
Product: Credit reporting or other personal consumer reports

For the past few years, I have continued to asked Equifax to give me an updated credit report. Yet they have continued to failed to have a current report on my profile. The last time any information was updated on their website was the year XXXX. Lenders have continued denying me credit due to the fact that no one has been able to get a true report and they complained about my credit report with Equifax is blank.I have contacted Equifax several times over the years yet the issues has not been resolved. They usually promise to handle the issues yet no resolution. Below I have attached a copy of my driver license and social security card.
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 Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXX 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 card

I write to follow up on Complaints XXXX of XX/XX/XXXX and XXXX of XX/XX/XXXX. Barclays responded to such complaints yet the issue of an overcharge on my account remains unresolved since early XX/XX/XXXX when I first contacted Barclays about such overcharge. Barclays ' measures have been temporary, reversed, and temporarily reinstated. Thus, the issue still remains unresolved. In addition to the documentation I have already provided Barclays more than once, I am willing to coordinate a conference call between the merchant and Barclays if that will help Barclays conclude its investigation or request any further specific documents it may so require. I am eager to conclude this matter and close my account with Barclays. 

I have called Barclays yet one number included in its last letter of XX/XX/XXXX is a wrong number and no person answers the " direct line '' provided in such letter. I have left messages and await a response. 

The time it is taking to resolve this matter is extraordinary.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a validation letter from XXXX, but the company failed to disclose that I had thirty days to dispute. This is a violation under 15 USC 1692g. I want to make XXXX aware that a billing statement does not prove that I owe on the alleged debt. I am challenging XXXX to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement to prove this matter? XXXXXXXX XXXX failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. XXXX is the name on my consumer report. I want XXXX to also be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? Why is XXXX on the report? I demand XXXX to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). XXXXXXXX XXXX failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.
Product: Credit reporting or other personal consumer reports

I leased a XXXX XXXX though XXXX XXXX XXXX in XXXX IL. XXXX XXXX XXXX XXXX as a XXXX. I have my contract that was signed for the truck. The company bankrupt and closed down causing all trucks to be repossessed. I reviewed my paperwork and found out the Financial company for the truck payment was XXXX XXXX XXXX. I contacted them. I was then told that XXXX XXXX was leasing trucks and were not informing them of the lease. Which means the particular truck I had was never under my name from what the representative stated to me. They also stated the truck was put in auction and sold. So I have a balance on my credit report that is not mine apparently. I cant not contact XXXX XXXX because the numbers are no longer working an they are not located at the address anymore.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : recently I did an investigation on my credit report and I found several items on there to be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XX/XX/XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Consumer Loan

Credit reporting error. I had a balance in XXXX XXXX and paid what I was told the payoff amount was. Then Santandar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERPAYMENT! I disputed the XXXX late this past summer, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, a person by the name of XXXX XXXX created a XXXX account with her bank ( Discover Bank ). She illegally utilized my personal email address ( XXXX ) to set up that account. I do not know this person, nor did I give her permission to set up a XXXX account using my email address. She then fraudulently sent money, via XXXX, to herself using my email address. That money was deposited into her bank account with Discover Bank. I do not have a bank account with Discover Bank, nor did I send money to this person. She sent {$1800.00} to the bank account she has with Discover. I have tried to dispute this with my bank, XXXX, but they are refusing to provide any assistance. Even though I have sent proof of the email I received from Discover Bank proving someone illegally set up an account with them, using my email address. The person in the email name is XXXX XXXX. I have tried to contact Discover Bank but since I do not have a bank account with them, they advised it was only so much information they can provide or do to help me. My rights as a consumer were violated with the EFTA and Regulation E. Discover 's banking customer, XXXX XXXX, illegally and with no authorization set up a XXXX account with Discover Bank using my personal email address ( XXXX ) on XX/XX/2022 and was fraudulently sending and receiving money via XXXX. I was scammed out of {$1800.00} by their customer, and want to be reimbursed as I did not authorize this transaction nor do I know this customer using my email address for fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance our home. My credit has a freeze on it that I placed myself. I was unable to lift my credit freeze with Equifax. The online message said to call a phone number that no none answered. I tried this several times over the past 2 weeks and each time I was on hold well over an hour. 

I am looking for help getting in touch with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around early XX/XX/XXXX I became a victim of Identity Theft that resulted in an arrest of a suspect who was detained under my name on or around XX/XX/2017 which still continued once he was released on bond ( see attached court documents ). After receiving a copy of my credit reports I have noticed numerous names, addresses, phone numbers, employment, inquiries, accounts not affiliated with me. Finally was giving a disposition of the cases once it was closed so I can dispute this matter with all the bureaus and any other agencies that protects Identity Fraud.
Product: Credit card

I had applied for a capital one savor card to use the no interest promotion to make a purchase. The promo period was still running but I was charged interest last month. I called and after some time on the phone resolved with them just crediting the interest and I would pay the balance in full. This month I notice that I am being charged {$13.00} in interest when I have a {$0.00} balance. I did not use the card at all after making the payment in full as part of the agreement we made. I called today, XX/XX/XXXX to try and resolve this and they tell me they can not as I did not pay the full balance due. I explained to a representative and a supervisor the agreement we had and they said the same information. I informed them I could not pay more than what was owed on the account so the interest charge did not make sense as I had no balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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