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

XXXX, Equifax, and XXXX are in clear violation of the LAW. Under 15 USC S 1681b -permissible purpose of consumer reports, The law clearly states the following, ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer ro whom it relates. Did I give any of those reporting agencies written instructions to furnish the accounts on my credit report? The answer is simply No. Furthermore, the Fair Credit Reporting Act 15 USC S 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 transaction or experiences between the consumer and the person making the report : Which would mean my Utilization was never supposed to be furnished on my consumer report ever.
Product: Vehicle loan or lease

I seen a vehicle I wanted on the website of XXXX of XXXX. I viewed the vehicle and processed the finance papers online. I was contacted by them and advised that I had been preapproved for a loan in the amount of XXXX dollars. I scheduled a appointment to come in. After driving over 250 miles from XXXX NY to XXXX XXXX NY to the dealership I thought I was going to sign some paperwork and get my vehicle. To my surprise upon arrival i was advised by the salesman XXXX XXXX that I needed to fill out a application for financing. I advised him of my preapproval and showed them my conformational email they sent me. He said if I wanted the vehicle I would have to fill out the application. I did so asked after they did the second credit check and having me sign the papers to trade in my vehicle they then brought me out a contract the that doubled the price of the XXXX truck I was trying to purchase. I did get the new truck but I left there feeling very upset. They not only changed the original loan agreement I was preapproved for they waited until I signed the papers to trade in my vehicle and to do this. Then when I advised them I didn't want the vehicle I was told by the salesman XXXX that it would appear on my credit as a repo. I felt pressured to keep this truck although i am very unhappy with their practices.
Product: Mortgage

I have been trying to obtain a mortgage modification from Wells Fargo Bank since 2014 each time I have been denied. I have had XXXX loan processors and each one has denied me a modification. I have gone through Keep Your Home California and have been approved for programs such as mortgage principal reduction, mortgage reinstatement and Wells Fargo has continually denied Keep Your Home California from helping me. 

I have called Wells Fargo and told them of my difficulty in making my mortgage payments and Wells Fargo tells me that they have done the best for me that can be done.
Product: Debt collection

i am receiving XXXX care through the XXXX XXXX XXXX XXXX for which they bill me after they have been reimbursed by XXXX and XXXX supplement programs. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they have billed me {$320.00}, {$100.00}, {$280.00}, and {$110.00} respectively for services rendered. I have paid XXXX XXXX XXXX XXXX each of those amounts by checks # XXXX on XX/XX/XXXX, # XXXX on XX/XX/XXXX, # XXXX on XX/XX/XXXX, and # XXXX on XX/XX/XXXX, respectively. 

XXXX XXXX XXXX XXXX now claims that {$510.00} of the billed amount remains unpaid and has referred that amount for collection. 

This is in error and I suspect fraud. No effort to clear this matter by talking directly with XXXX XXXX XXXX XXXX has bee effective.
Product: Credit reporting, credit repair services, or other personal consumer reports

This USAA account # XXXX has been paid-in-full. USAA is reporting the account as " Derogatory '' and in a " Payment Plan ''. Neither is true. This account is also " closed ''.
Product: Checking or savings account

I am a victim of fraud. Bank of America is calling it a scam. I requested the documentation they have and used to make their decision many times, it is not forthcoming. I also asked where and to who my funds were sent, so I can file a police report, to no avail. I was a victim of a XXXX transfer, that I did not imitate and was told by customer service that the transfer could not be stopped when I tried. The person who defrauded me answered my phone call, the number that customer service at the bank gave me. For months, since XXXX, Ive been requesting the information that I need to file the police report and the documentation the bank used to arrive at their decision, to no avail. BOA is acting XXXX  and possibly XXXX according to banking regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$17000.00} XXXX  XXXX $ {$16000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$210.00} XXXX XXXX   XXXX {$16000.00}
Product: Debt collection

I am writing to dispute the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$1200.00} Last Verified : Not available Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Closed Date : Not applicable Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX XXXX Account Status : Open Payment Status : Late 120 Days Creditor Remarks : Collection account Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$1200.00} Account Type : Collection Payment Frequency : Not applicable Credit Limit : {$0.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Credit reporting or other personal consumer reports

The following information about the original balance is incorrect and inconsistent between the credit bureaus. This is a violation of my rights as a consumer. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX  I also uploaded a bill, social security number and id.
Product: Credit card or prepaid card

I received a call from Capital one to confirm application they received from the web. I called them back and they said they wanted to confirm information they received on new credit application. I informed the caller this was not me and she cancelled the application and told me to contact the 3 credit bureaus to place a freeze on my credit report and have the inquiry removed from my credit report.
Product: Bank account or service

I had a checking account with Bank of America. They now have the me in XXXX saying Suspected Fraud Activity ( SFA ). I owe them No Money so I want them to stop reporting me. I did dispute this already but they did nothing. And because of this I can not open another bank account. As for the SFA they did not give me any information about that. 
I remember I tried to use the atm card at a gas station in XXXX 2014 and after 2 swipes it didnt work. So I went inside for them to try it and I guess at that time B of A cancelled the card. I 'm thinking perhaps that 's what happened. But they are not giving me any information. Plus again I do n't owe them any money unless I would have paid them. Thank You ...
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File number XXXX Dated XX/XX/XXXX page 3 of 12 has shown for the month of XX/XX/XXXX no balance or nothing showing but have me as 30 days late. I paid my balance off in full and it did not go past no 30 days. 
TransUnion has nothing for the month XX/XX/XXXX in the box as the rest of the year showing but every month going back for past 2 years show a balance or ) balance but for the month of XX/XX/XXXX there is nothing and is in error
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Affirm Inc Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

RPM, LLC debt of {$820.00} account # XXXX as of XX/XX/2019 has been sent to me in error this account is does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never. authorized any of the accounts below to report to my social security or credit report the XXXX, XXXX and XXXX : 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft VNB- LOAN SERVICES INC Account Number : XXXX This is not mine.
Product: Prepaid card

Bought a prepaid Amex Card on XX/XX/XXXX Tried to use it on different sites, like XXXX, XXXX, XXXX XXXX XXXXone of it worked Couldn't bind it as a payment option went to activate card webstie from Amex, but the website also said problem with card Called them, they say its activated and has a full balance Tried again to use it on different sites, like XXXX, XXXXXXXX XXXX XXXX none of it worked
Product: Checking or savings account

XX/XX/XXXX  I received a text from " Chase Bank '' asking to verify that a card usage was me I replied no to the text and I got a call from a " Chase associate '' I gave them my card number, pin, and social security number to verify my identity. I talked to this person over the course of two days and they locked me out of my account when I tried to log in I got a pop-up stating my account was locked due to suspicious activity XX/XX/ I started to get suspicious of this person when they did not call me back when they said so I called the number on the back of my bank card at the same time I tried to log into my account again and my account was no longer locked and I noticed that {$5600.00} was taken from both my checking and savings account ( {$3.00} from checking and {$5600.00} from saving, my accounts were completely drained ) I informed them of what happened and they issued me a temporary refund XX/XX/ Also on XX/XX/, I filed a police report for identity theft and the money stolen from my account XX/XX/XXXX  Chase Bank notified me via electronic letter that they are reversing the temporary refund because they do not believe that I did not authorize these charges I called the claims department and spoke to the supervisor who told me she would reopen my case to try and get my refund but there is no guarantee
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is too old to be on my credit report, was close/last reported on XX/XX/2014. The statute of limitations is 7 years, so i request that this item be DELETED from my credit report. 

XXXX XXXX XXXX XXXX XXXX  is too old to be on my credit report.It was last reported/closed XXXX.I request that this item be DELETED from my credit report as soon as possible because it is older than 7 years. 

3.I also request that this deletion should be reflected in XXXX and XXXX. 

4.My final request is for CFPB to share this complaint with XXXX  State Attorney General 's Office .
Product: Student loan

I submitted a complaint on XX/XX/XXXX regarding student loans with Discover Loans. The # we were given is XXXX. This is with Discover Student Loans. I received an email that my complaint and documents were sent to Discover XX/XX/XXXX. I have not heard from any since them. Is this case still open?
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 has violated my rights. Or 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: Payday loan, title loan, or personal loan

I got a personal loan from Republic Finance in XXXX of 2021 for {$2400.00} and they have to be gouging me with interest. I have made 12 payments of {$110.00} every month, and I still owe {$2000.00}. I should be about halfway done paying off my loan, but I still owe close to the full amount. It is not ok to gouge people who are already struggling financially. On the website, there is no way to view the interest they have charged or see how many more payments I have until the loan is paid off. It will only allow me to see the payments that I have already paid. They are hiding important details about the loan and it is not ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach cause some unknown item on my report sent the po report to XXXX and XXXX cant pull equifax
Product: Credit reporting or other personal consumer reports

I have been disputing this account due to the inaccurate information being reported. 
I requested numerus time proof account was ever 30 days late. The company sent me statements TWICE, from months NOT BEING DISPUTED. proof enclosed. If statements cant be provided the account either NEEDS TO BE REMOVED from Experian and XXXX or be updated to PAID/NEVER late. they keep sending me statements for months is not dispute. Which is worthless in this matter. See attached response from company. Months in dispute are XX/XX/year> and XXXX XXXX never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting act XXXX  XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain mistakes and errors present on my credit report. I have carefully reviewed the information contained in my credit report obtained from your agency, and it contains inaccurate and misleading information. 

I kindly request that you initiate an investigation into the following disputed items : -- TRANSUNION -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Utah XXXX Email : XXXX  Phone : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifica
lly : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with a credit coach in order to pay off my credit card bills and to increase my credit score. My credit coach informed me that although my XXXX XXXX credit card is paid off something is reporting on XXXX which is affecting my credit score. 

XXXX XXXX account paid off and it seems as if a balance is still reporting on XXXX which is impacting my credit score.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The amounts on the 3 different accounts are {$880.00}, {$500.00}, {$5400.00}. I sent in 2 desperate rounds of disputes. On XX/XX/2022, the inaccurate accounts came back verified. On XX/XX/2022 and I never received a response back.