23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

There is a unauthorized inquire on my credit dated XXXX/XXXX/2016 from XXXX XXXX. I did not request any credit from XXXX XXXX on this date, please have this removed ASAP and it 's stopping me from applying for business credit which is required. There should only be XXXX inquire on my credit report from XXXX XXXX from XXXX/XXXX/2016. 
I have attached picture from XXXX for support.
Product: Credit reporting or other personal consumer reports

there is an account from XXXX XXXX  XXXX on my credit reports that show different account types different payments made and different date started and closed and different last reported dates I demand thats this account be deleted immediatley from all reports due to the inaqacuracies because this is having a major negative impact on my life attached are reports showing different information reporting to each separate agency
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 https : 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 Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I file a complaint with Equifax through the CFPB concerning unauthorize use of my consumer report. Equifax responded in under 24 hours that the inquiries are Factual even though I gave proof that I only authorized XXXX ( XXXX XXXX ) to obtain a consumer report. Again! look at the documents I've uploaded for your investigation instead of E-Oscar or my mailing address. Remove these inquires immediately, I've suffered greatly because of your negligence. I have also uploaded my identity report for your investigation. Remove the following Inquiries below. 
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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Midland XXXX is on the credit report and on the XXXX reports, not XXXX & XXXX. Midland started this mess and now want to push it to another company. All this about their rights, what about my rights. This is XXXX debt that is XXXX XXXX XXXX and they are passing it around like it 's some kind of XXXX mine. This is wrong and they should not be allow to do this to anyone. It started off with XXXX, Midland, and now some company call XXXX XXXX XXXX this is crazy. I still the same person that feel like is so wrong, all these company is doing passing the buck around ; and saying they have the right to add more time to a XXXX XXXX XXXX debt. Who would want to keep doing this? This is crazy, I 'm a person that you are sharing my personal information to other third party company is not right and should be against the law to do the thing that your company are doing to a person. I did not give you person or your company permission to share my information with anyone. If you have any paper that show that you have contact about selling my information or given contacting me about you have this debt and I knowledge you about this account. The answer is NO we never spoke or have and paper work that say that I was aware you and your company.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Lender : GM Financial Account number : XXXX Account opened : XXXX XXXX, XXXX Lease term : 36 months Contract Miles : XXXX miles GM Financial was the leasing company that I leased a XXXX XXXX XXXX from in XX/XX/XXXX until the lease ended in XX/XX/XXXX. The vehicle was returned by me timely to the company in XX/XX/XXXX, approximately XXXX miles below the leased mileage, and with only {$80.00} in appraised wear and tear damage. 

For the entirety of the lease agreement, all charges associated with the vehicle were paid on time through auto-pay connected to my checking account without incident for 3 years. I naturally presumed, but apparently incorrectly, the end of lease charges were to be deducted from the same account, as had been our course of performance for 36 months. However, this did not occur. 

In XXXX, I received an alert that there was a missed payment on my credit report and on XX/XX/XXXX I promptly paid the outstanding {$510.00} end of lease charges ( using the same checking account that was already on file with GM ). When I sought from the company a good will adjustment to the credit agencies for the late lease charge, they refused.

In sum : A ) I feel like I was induced by GM for 3 years to make payments through the auto-pay mechanism and then at the end was deceived into thinking this same mechanism apply to the end of lease charges. 
B ) The deadline set to pay the end of lease charges was arbitrarily set by GM as the lease agreement is silent is this regard. I dispute that the payment was even late.

C ) These end of lease fees appear to be separate an aside from the financed portion of the lease agreement. The financed portion of the lease was paid on time, it was only the end of lease fees that were purportedly untimely. I do not believe these end of lease fees are reportable to the credit agencies as they in no constitute a loan repayment. It believe the fact that GM even required a different payment mechanism to pay these fees supports this notion.
Product: Debt collection

Hello. My credit report is showing a debt collection from a company showing as XXXX XXXX XXXX with originating creditor as XXXX XXXX. I have never opened up such account and would like to file a complaint about this. I don't know if this is the result of identity theft or some other error. Please assist. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

This is my last attempt to amicably resolve XXXX continued violation of the Fair Credit Reporting Act regarding their refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation by the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if these UNVERIFIED items listed in my complaint are not deleted immediately. A copy of this, as wel as copies of the 3 written letters sent previously will become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation. Despite these 3 written requests, the unverified items that will be listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that the information is mine and correct. In their results of their investigations, they stated in writing that they verified that these items are being reported correctly. Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA. They by law must promptly delete all information which can not be verified. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

Got charged with a medical bill on a date I didn't even go to the hospital or any other healthcare place
Product: Credit card or prepaid card

On XX/XX/XXXX I made an online purchase from " XXXX  XXXX  XXXX   XXXX XXXX '' for a replacement engine ( 3.3 liter ) for my XXXX XXXX XXXX. On XX/XX/XXXX I contacted Citi Credit Card services to put a hold on this charge as the merchandise had not been delivered, claim # XXXX. On XX/XX/XXXX a delivery of an incorrect item was delivered to the dealership responsible for completing installation. I was notified by the dealer that a 2.7 liter engine for a XXXX XXXX XXXX was sent in error. I contacted " XXXX XXXX XXXXXXXX XXXX XXXX '' and was informed they did not have the correct part I needed in stock and could not give me an estimate of when one would be available. I told them that I would need to look elsewhere for the part as I had no vehicle to drive and asked them to refund my payment and they refused. I contacted Citi Credit Card services and made them aware of the above transactions and to issue a full refund. Citi contacted the vendor and was supplied delivery documents for the incorrect part and refunded the vendor anyway. I contacted Citi Credit Card services by registered mail and by phone numerous times asking for an explanation for their actions and proof that the vendor had satisfied the dispute with documentation. I was told that they would investigate and send me documentation for their actions but only received letters saying the dispute was closed. I have been a Citi Credit Card services customer for 28 years and the first dispute I file is totally mishandled and I am expected to pay {$2100.00} for merchandise I did not receive.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX  : {$410.00} XXXX XXXX XXXX XXXX Balance : {$890.00}
Product: Credit reporting or other personal consumer reports

MILESTONE/CONCORA CREDIT REPORTED THE HISTORY OF TRANSACTION AND EXPERIENCES BETWEEN ME THE CONSUMER AND MILESTONE/CONCORA CREDIT TO XXXX, XXXX, AND XXXX WHICH IS ILLEGAL TO REPORT 15 US CODE 1681a ( D ) ( 2 ) ( A ) ( i )
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate these accounts promptly and make the necessary corrections. 
Below are the accounts in question : XXXX  XXXX XXXX and XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX regarding their handling of XXXX credit accounts listed on my credit reportone from XXXX and the other from XXXX. Despite multiple requests for proof of these accounts, XXXX XXXX has failed to provide satisfactory documentation. 

On XX/XX/2024, I contacted XXXX XXXX to request proof of the XXXX and XXXX credit accounts listed on my credit report. Initially, a representative informed me that I needed to make a payment before they could provide me with the requested information. However, upon further inquiry, the same representative stated that they did not have the documentation available. 

This failure to provide proof of the accounts is concerning and raises questions about the accuracy and validity of the information being reported on my credit report. As a consumer, I have the right to verify the accuracy of the information being reported and to request proof of any accounts listed. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX for their failure to comply with federal laws governing credit reporting and consumer rights. Specifically, I ask that XXXX XXXX be required to provide the requested documentation for the XXXX and XXXX credit accounts or, alternatively, remove the accounts from my credit report. 

I have attached copies of my credit report showing the disputed accounts. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

A Law firm received a default judgment against me in 2006 in the state of New Jersey. They received this judgment by sending court documents to my childhood home in which I did not live anymore my ( grandmother 's house ). They were also sending mail to my moms vacant home in NJ in order to get a wage garnishment 17 years later. This attorney was able to get wage garnishments even though there was improper service of all documents. I was not given the chance to respond to any motions that were filed against me. The only way I found out about the garnishments was by emails via XXXX. This attorney also tried to XXXX money out of my bank account on the same day they are getting wages out of my pay. They have caused me great financial hardship as I have expressed to the courts multiple times without receiving any elief. The worse part is that I never had a credit account with the original creditors nor do I have any information regarding these accounts. The original creditors have closed down and I have been unable to contact anyone to ask about these accounts as they are fraudulent. This same company was charged by the SEC for fraud and sued by other consumers multiple times over the last 15 years. I have filed several documents for identity theft and mail fraud in the past which were overlooked. I have been to court 2 times about this and the last hearing was dismissed without prejudice meaning I have another chance to stop this attorney who is trying to ruin my life. This attorney is going after everything I own and is trying to get me to lose my job by obtaining multiple garnishments under the same terms default judgments sent to the wrong addresses 11 to 18 years ago. The second wage garnishment was done in retaliation which is unethical and inhumane. They are attempting to make me lose everything I have in order to support my children and myself over unverified debt they have added thousands of dollars of attorneys fees in order to increase the amount owed for their own personal gain. I'm in dire need of help in order to save my life.
Product: Money transfer, virtual currency, or money service

I was scammed to XXXX someone {$300.00} and was unable to get it back. My bank, Chase, was unable to help me since I used XXXX, so once I sent it, it was gone. There were no warnings or verification pop-ups prior to me XXXX them XXXX money.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I started XXXX College of XXXX in XX/XX/XXXX and XXXX   XX/XX/XXXX For an XXXX XXXX I'm repaying over {$50000.00}. I believe I was charged way to much for this type of degree. I can't afford the IBR, they are asking for and i have been locked in under XXXX XXXX for 25 plus years
Product: Credit card or prepaid card

I received a notice from Aamco/Synchrony Car Care dated XX/XX/2020 stating my credit limit was being lowered from {$1000.00} to {$620.00}. The letter also stated they lowered my limit based on a credit score of XXXX and multiple derogatory and delinquent marks on my XXXX  credit report. I contacted XXXX  who stated that at no time did my credit report reflect a credit score of XXXX nor do I have any derogatory marks ( except currently Aamco/Synchrony ) due to their balance decrease.My credit score is XXXX and was XXXX on the date the company claims to have been provided that score. I tried to call and have my credit limit reinstated and was told I would have to take it up with XXXX. As stated, XXXX  stated and provided a copy of my credit score that at no time current or past was my score XXXX. I have had the account for over a year and have never been late on a payment. There was no reason to decrease my credit line, let alone state they pulled my credit report.