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

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX, Equifax and XXXX for multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and the Truth in Lending Act ( TILA ). The actions of this company have caused significant and unnecessary harm to my financial standing and credit profile, as I will detail below. 

In XX/XX/XXXX, I voluntarily surrendered a vehicle tied to an account with XXXX XXXX XXXX XXXX. Despite this action, the company delayed the sale of the vehicle until XX/XX/XXXX, claiming this as the " identifiable event '' for purposes of reporting a Form 1099-C under 26 U.S.C. 6050P. During this prolonged period, the company failed to take timely action to mitigate the debt while also reporting the account inaccurately to credit reporting agencies. 

XXXX XXXX XXXX XXXX continues to report the account as open with false missed payments, despite the account having been closed when the vehicle was surrendered. This inaccurate reporting has directly harmed my credit score and financial reputation. Under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ), creditors are required to furnish accurate information to credit reporting agencies and correct inaccuracies when they are identified. The company has failed to fulfill this obligation. 

Additionally, the company has unlawfully conditioned the correction of these inaccuracies on the receipt of payment, a coercive practice that violates the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) that cause substantial injury to consumers, and XXXX XXXX XXXX XXXX actions fall squarely within these prohibited practices. 

Furthermore, the company has failed to provide transparency regarding the status of the debt and the reasons for its prolonged delay in addressing the account. Under the Truth in Lending Act ( 15 U.S.C. 1637 ( b ) ), creditors are required to provide accurate and clear account information to borrowers. The lack of transparency in this matter is both harmful and a violation of my rights under federal law. 

For over a year, I have attempted to resolve these issues directly with XXXX XXXX XXXX XXXX. I have made multiple phone calls seeking resolution, only to encounter dismissive and uncooperative responses. This lack of accountability has left me no choice but to escalate this matter to your office. 

All while these reporting agencies are supposed to have the disputes removed from account until it is resolved and the account has NOT been resolved. Reporting errors should NOT be showing.
Product: Vehicle loan or lease

On XX/XX/2023 I was purchased used car from XXXX XXXX XXXX in state of California and charged additional services and fees. This two businesses work together to rip off customers. 
XXXX. XXXX XXXX XXXX for amount {$1500.00} XXXXXXXX XXXX XXXX XXXX amount of {$1200.00} XXXX. ALLY WINDSHIELD amount {$1100.00}. and none of it I ask for. And XXXX issue was my credit score was XXXX and I get 9.79 % while promised 7 %. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Mortgage

I previously sent in a loss mitigation application with no response from Caliber. Now I have been served with a Sheriff 's notice and need a loan modification. The loan modification submission was not responded to. Caliber has now taken a position that they do not have to review me for a loan modification because of the proximity to the sheriff sale. I disagree with this premise because it is not in good faith. I do not have a large arrearage with Caliber and I have money to make a lump sum payment. I have been making payments to Caliber up until the middle of last year. I was never sent a loss mitigation package nor did I ever receive a Notice of Intent to foreclose.
Product: Credit card

On XX/XX/2023 I filed a dispute about two electric scooters I had bought, which did not meet advertised specifications, and I had therefore returned scooters to merchant, XXXX XXXX XXXX, XXXX, XXXX. Chase then called on XX/XX/2023 and stated merchant denied having received return. I provided reference numbers for the two returns to Chase, per return receipt, which is all Chase requested, they specifically said they did not need copy of return receipt. I was then contacted by Chase again on XX/XX/XXXX, and they stated they had closed dispute, upon review by Chase representative, she admitted this is was closed by mistake, apologized, and said only way to continue was for me to file an appeal by fax, to reopen case, which I did with all documents. I then called Chase on weekly basis and was told all was OK. When I called on XX/XX/XXXX, they told me they had again closed the dispute. The reason was very strange. They said the first dispute was still active in " another department '' when I filed my appeal, which they had asked me to do, and so, due to appeal, the first dispute was closed. But because the first dispute was still active, also the appeal was closed. So today, on XX/XX/XXXX they asked me to again file a second appeal! Which I have now done. But, when I look at my online account statement, it says dispute is still open! So nothing Chase says make sense, they have an utter mismanagement of this case, and meanwhile I have no merchandise, I am being charged {$1100.00} for something I have returned, since Chase also failed to issue a new credit and instead refilled full amount on XX/XX/XXXX. Not only this, but merchant has called and stated they will charge {$60.00} for every month I do not pick up the scooters! So I am now between a rock and a hard place because of Chases utter mismanagement of this situation.
Product: Debt collection

I am sick and tired of this company sending repeated letters about a debt I dont owe to them. I have requested they stop contacting me and yet they keep sending me information stating its in response to my dispute ... I HAVE NOT FILED A DISPUTE WITH THESE PEOPLE! EVERY WEEK THEY ARE SENDING ME LETTERS AND IM TIRED OF IT!
Product: Debt collection

my information might have been impacted by the XXXX breach and my have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$650.00}.
Product: Credit reporting or other personal consumer reports

I am not liable and refuse to pay this debt with XXXX XXXX I have no contract with Jefferson Capital Systems in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance.
Product: Credit reporting, credit repair services, 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, Account # XXXX, Account Name : XXXX, Account # XXXX, Account Name : 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 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

I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Checking or savings account

My complaint id XXXX to HSBC.hk money laundry with XXXX is not processed until now XXXX, I pay my lawyer fee to XXXX XXXX XXXX XXXX, he promise to setup a virtual meeting for XXXX XXXX and XXXX with XXXX and not valid until now. XXXX XXXX have a XXXX XXXX no money to live and get medical treatment. I suspect XXXX XXXX and XXXX try to delay the virtual meeting to let XXXX XXXX XXXX, so they can get rid of me easy. 
I have to report this. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this company have pull up my credit report hard pull without me knowing on XX/XX/2021 i asking them to clear my credit report by sending a deletion letter to all 3 credit reports because i never request anything related to them if someone did it it is not me that fraud i call them on the phone they refuse to delete it saying they can not do because there are not sure i am the real me i call them four time they told me that i have to contact experian but experian asking me to call them i have enough LAST TIME THEY RESPOND AND SAID THAT IT IS NOT THEM THIS THEY ADRESS AND PHONE NUMBER AS IT IS ON MY REPORT Contact info XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by [ Creditor Name ] ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by Pentagon Federal Credit Union. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Installment ( Auto Loan ) - Original Creditor : [ Creditor Name ] - Balance : {$16000.00} - Date Opened : XX/XX/2021 - Payment Status : Collection/Chargeoff The issues with this account are as follows : XXXX. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past XXXX years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. This continuous reporting is misleading and does not accurately reflect the true status of the debt.

2. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active.

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA.

I have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information.

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus.

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Kindly I have been trying to get my credit report and score from Equifax for months now without any success, although I have XXXX credit card accounts and I 'm able to see them all on my XXXX and XXXX credit reports without any problems. 
My problem is with Equifax , I tried to sign up for their complete advantage plan and they asked me to fax my Social Security card and Driver 's License to verify my identity so, I did, then they told me we wo n't give you access to your credit report because my Social security is based on my work permit, do they have the right to deny me access to my credit report and credit score on that ground? if so how come I am able to get my report and score from other credit bureaus then? 
Kindly I would really appreciate your assistance, as I 'm relatively new to credit and I 'm trying to build my credit score and every time I try to see my credit report from Equifax it tells me non matching Social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a late payment on my credit reports for XX/XX/2022. I spoke with a supervisor on XX/XX/2022 ( Ticket # : XXXX ) and was told the late payment would be removed from my reports, however, this never happened. 

Additionally, according to the CARES act " If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 'XXXX XXXX XXXX  made an arrangement with me - and per the above, this late payment must be removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with equifax and XXXX reflect missing payments to those who are granting me credit and any notices i may receive about denied credit reports on the contrary. My actual report that I see shows my account as being 99 % on time for not less than 10 years therefore creating a disparing difference. My credit score went down recent 37 points indicating I had a missed payment but upon review there is no such reports. This is a huge infraction and violation to my SCRA right and need this to be review and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX Balance {$370000.00} ; XXXX XXXX  XXXX Balance {$370000.00} ; XXXX XXXX Balance {$370000.00}
Product: Mortgage

I am submitting a complaint with documentation by PriorityMail. My Lender is arbitrarily not responding to my request for a short sale, MHA relocation assistance and a property valuation report. Enclosed is everything my agent, the buyer and I submitted that has to do w/my request and a few letters from the Lender. Denied due to incomplete documents and moved foreclosure to XXXX. I have been in constant communication by phone with my lender since XX/XX/XXXX to help make sure we complied with their requirements but to no decent outcome.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have already reported this incident as identity theft and taken immediate action. It is crucial to address this matter promptly due to its negative impact on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} ( Original Creditor : XXXX  ) XXXX Balance : {$330.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$950.00} XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze.

I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.