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

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I recently applied for a mortgage and have found that on my Equifax report there is a paid off  XXXX  's account reporting as a charge off and showing li ke 26 late pa yments. This was paid off in  XXXX  of    2013 o r so and is showing I owe {$160.00}. I have tried multiple times to contact their retention and renewal department only to get an anwsering machine and never a call back. I just want it to either come off my report or show the status and payments etc correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have about  XXXX  credit hard inquiries that were randomly on my account all within a weeks time frame.     I did not make these inquiries as I was building my good credit starting at a score of  XXXX , and these inquiries knocked me down to a score of about  XXXX  I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries.   They said it was authorized, although this was online transactions, that I did not do!     I have authorized  XXXX  inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!
Product: Credit card

I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am a federally protected consumer and AFNI has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Credit reporting or other personal consumer reports

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Product: Credit reporting or other personal consumer reports

I asked the company to validate debt they reported on my Chexsystems report. They chose not send any information or to send any verification whatsoever. And when I called for information they did not provide me with any.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Please block this information from my credit report within four business dats pursuant to section 605C of the Fair Credit Reporting Act.
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 XXXX : XXXX Account XXXX 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 reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am deeply frustrated. My credit report contains errors and missing information. Despite my repeated requests for corrections, these issues remain unaddressed, unfairly impacting my credit score.
Product: Checking or savings account

I noticed that my credit score had dropped almost XXXX points in the span of a month without any significantly new activity to my knowledge. When i checked my accounts via XXXX 's website, it listed a new account with " Greater American Finance '' opened in XXXX that I had never opened. There were late payment fees for a sum of greater than {$4000.00}. I had never reached out to this company before. When I was finally able to speak with a representative from Greater American Finance on XX/XX/23 and reported fraudulent activity, they told me to file a complaint with the police, with the credit bureau, and to send them copies of my photo ID and proof of address. They also told me the address I provided for them was not what they had on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is NOT generating FICO score numbers for the three credit Bureaus and keep telling me that my credit card company XXXXXXXX XXXX hasn't submitted proper monthly information which I can see they have. I also have a company that I have a loan with XXXX XXXX  and they also are reporting regularly monthly. After 4 months of trying to get this resolved I'm still having trouble. I need this matter corrected as I'm trying to find a home and EXPERIAN is the agency that creditors pull credit reports through or from. I'm not getting the proper credit for being in good standing as to help my scores that they're not generating because of their internal issues with my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been disputing fraudulent accounts and inquiries for the last couple of years and current year. I have sent in a police report as well as a federal trade commission report that was asked of me. Just recently I was told that if I sent in the federal trade commission report that the items would be removed and blocked. I did what I was asked to do and yet the information is still yet not being removed as I was told. Every time I contact this company I am getting told different things and getting the runaround so I decide to record the conversations so that I have proof of what I am being told by the representatives. When I told them that I was recording the conversations a couple of times, they got really upset and I got hung up on which was very rude. So when I called by I was told that the information was not good enough and to dispute it again!!!!!!! RIDICULOUS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This graveerror has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of XXXX  days prior, they failed to provide me with written notice of this XXXX days prior. I am the only XXXX who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The XXXX XXXX makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the XXXX XXXX. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me In accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.
Product: Consumer Loan

Drive Time sold me a car ( Chrysler 200 XXXX ) at 16.9 % interest. I drove the car a little over a week and the Anti-Freeze hose was completely busted that I could n't even replace the hose i had to replace the entire hose including the cap mounted to the front of the car. Since I 've had my car the 2nd week I 've been filling my front right tire up with air because the light keeps coming on " low air ''. Drive Time told me today that my payment was Behind ; after a day when in fact I 'd paid the car not the night before they called through my bank - telling me that I would inquire a 2 % interest late fee EVERYDAY that I 'm late. I told them i would Not pay that I could show them receipt of the date and time stamp that I made the payment. I refuse to be paying a company that will try to bully me harrassing and calling my phone at work repeatedly during the day BEFORE and AFTER I 've made a payment. My number is XXXX and email : XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$540.00} No. of Months ( terms ) : 0 High Credit : {$540.00} Credit Limit : {$400.00} Past Due : {$540.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX
Product: Debt collection

1 ) I have canceled this membership twice by providing my ID to cancel this membership as required per the membership agreement with the XX/XX/XXXX XXXX. This was done in person. 

2 ) On XX/XX/2020, I received an email and call from XXXX XXXX XXXX XXXX and disputed the charge. I reiterated I had canceled the membership long before this charge. I further requested that communication should be done in writing as I was spoken to in an inappropriate tone. I never received another communication. The employee stated even if it was declined on the fact it was fraudulent we can still collect. I also notified the Federal Trade Commission at this time because of the attempt to collect a debt that was clearly fraudulent. I never received any further communication from XXXX XXXX XXXX XXXX. 

3 ) This charge was billed to a XXXX XXXX XXXX credit card even though I had entered XXXX XXXX XXXX XXXX twice and provided my ID to cancel this membership. I initiated a fraud chargeback process as this was not a legitimate charge. I won this case and was refunded the amount plus additional charges including interest to my credit card. 

4 ) I received a call from First Credit Services and further stated no communication is allowed via phone. It is to be done in writing. I also explained this debt was because they attempted to charge my card and it was deemed fraudulent. I stated no verbal communication because the company threatened this would damage my credit and be reported event though it was deemed fraudulent. 

Is it common practice for First Credit Services to attempt to collect on charges that have already been deemed fraudulent or not valid? According to the FCRA, this practice is deceptive and reportable. XXXX XXXX XXXX XXXX knew the account had been closed, the bank concurred with the finding the account had been closed yet XXXX XXXX XXXX XXXX and First Credit Services Inc are attempting to collect on a fraudulent basis. I have notified the three credit bureaus with this information. I have also contacted the following agencies to report this incident Consumer Financial Protection Bureau, the Georgia Governors Office of Consumer Protection and the Federal Trade Commission. 

5 ) A letter disputing this debt was mailed to both XXXX XXXX XXXX XXXX and First Credit Services on XX/XX/2020. No response from that letter was received. On XX/XX/XXXX, the account was added to my credit file even though I was disputing the debt in writing with the original debtor and the debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX, TRANSUNION : XXXX XXXX  Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - Finance XX/XX/XXXX XXXX XXXX Credit Bureaus/Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXXXXXX XXXX XXXX  Mortgage Companies - Finance XX/XX/XXXX XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX US SM BUS ADMIN ODA XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

this account is on my credit report 3 times its with XXXX XXXX an XXXX which is a third party debt collector, nither company has given me in proof that is my debt pls be advise i am formally asking you to provide me with a full an proper documentation substantiate this claim
Product: Credit reporting or other personal consumer reports

In XXXX of 2022, I was offered an XXXX XXXX XXXX XXXX as a XXXX lease for $ XXXX + taxes. I was sent online documents to sign and I did however once the paper copies showed up, I learned that the dealership added a tire and wheel package for {$4900.00} which I did not agree to as well as changed the lease duration to XXXX. 

This ended up making my payment nearly {$3000.00} ; 20 % higher than what was agreed. I do not like dealerships that do bait and switches and I told them I was no longer intersted in the car and I was travelling and did not want to deal with nonsense. 

Instead of cancelling the deal, the dealership sent me a demand letter from their attorney. I told them to pound sand. What sort of dealership does this? I have the texts between my son and the dealership where we brought up concern of the lease duration changing and the dealership said to sign and we can change it tomorrow as they had to meet monthly quotas. 

I did not and have not taken delivery, paid the down payment ( only the deposit ), and did not sign any of the registration paperwork and will not be purchasing this car. I cancelled the deal almost 2 months ago and Chase auto needs to stop reporting this car on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request that the following accounts and inquiries be blocked and deleted from my credit report pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently in my name as a result of the breach. 
Please see the affected accounts and inquiries below : Accounts to Be Blocked and Deleted XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, XXXX : {$160.00} XXXX. XXXX XXXX ( XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX. XXXX XXXX Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$240.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$730.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$660.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$660.00} XXXX. XXXX XXXX  Account XXXX : XXXX, Opened : XX/XX/XXXX, XXXX : {$160.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX, XXXX : XX/XX/XXXX, Balance : {$160.00} XXXX. XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries to Be Removed : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. States I have a right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I submitted a request via email and over the phone numerous times asking for my PMI ( mortgage insurance ) to be removed since my home value has risen high enough that my loan to value ration is at 80 %. Mr. Cooper insists that XXXX XXXX  will not allow loans to have PMI removal unless its 75 %, however I do not find that verbiage anywhere on XXXX XXXX or XXXX XXXX  sites. Neither do the loan terms indicate what the LTV ratio requirements are if a house happens to rise well above 80 % LTV. They even initially hinted that I could easily get it removed if my house gets appraised at a certain value and had me pay for that appraisal ( Serviced by their own third party partner ). Then they come back with a new number saying its actuallt 75 % LTV. I have email records with me screen shotting XXXX XXXX and XXXX XXXX  sites making my case clear that I should be allowed to submit an application to XXXX XXXX   for my PMI to be removed since my appraisal proves I have met the 80 % LTV
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 any purpose.