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

this message is against equifax, XXXX and XXXX. i was the victim of identity theft and fraud etc. i sent these credit reporting agencies multiple ftc id theft reports and police report and cover letters. they refuse to delete all inquiries and accounts that i reported as fraudulent. i will attach the ftc report for them to see, as well as police report
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. This showed it was done on XX/XX/2023. 
On my XXXX report, I show the following inquiries ; GM financial, XXXX XXXX, XXXX XXXX, GM financial again, and XXXX XXXX on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. ( Account Name : XXXX XXXX  XXXX Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Account Name : XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

XX/XX/2023 {$170.00} not licensed to collect debt in Florida
Product: Student loan

Keep getting phone calls from the following numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Callers state they are contacting about student loan services and each time I have asked the name of the company they represent but won't give me any further info. I have asked to be removed from their call list ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly, I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because XXXX is inaccurately reporting that I have a bankruptcy on my credit record. This has adversely affected me.I have attached a letter from XXXX showing that this false reporting has caused them to change my credit terms.
Product: Credit card or prepaid card

i wanted to work with the company to figure out a debt settlement because it's getting hard to make payments at this time.
Product: Credit reporting or other personal consumer reports

I sent a payment to previous mortgage holder XXXX XXXX at time loan was being transferred to RoundPoint. There was a delay in transfer and recording. I had talked to RoundPoint and they said it would be OK. It wasnt. I later received a ding. I am not in agreement with that action. I spoke to RoundPoint again and was to receive a call or response in a couple of days. Called a second time on this and filed info online. Still waiting. It was interesting that in one conversation the RP employee quasi-acknowledged the frequent occurrence of late recording. I need the matter addressed and mark removed. Thsnk you
Product: Debt collection

The aforementioned credit collection agency representing whomever XXXX, XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX  and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit reporting

The bureau is reporting false information on my behalf regarding my personal information, as well as false accounts that are not even mine and I have no knowledge of. I would like these accounts removed from my file as its is hindering me from utilizing my true credit.
Product: Vehicle loan or lease

I purchased a brand new XXXX XXXXXXXX XXXX in XX/XX/2024. It came with a warped/distorted windshield. XXXX XXXX XXXX, a XXXX dealership in XXXX XXXX, has been unable to help me get this figured out. 

They told me that this is a problem with all of their XXXX XXXX on their lot. The dealership went ahead and ordered a replacement windshield, but after the installation, we noticed that the warps are now even worse. The service XXXX could see this and he said it was just a problem with this type of car. He offered no resolution. 

We were given no heads up that this is a problem with this type of car, and wouldn't have purchased it if we had known. We expected that brand new cars wont have distortions in the front windshield. 

There are visible distortions across the entire front windshield that are notificable even when driving. This is really unsafe. 

Its very frustrating to have problems like this with a brand-new car. I've had Hondas my entire life, and am really disappointed that this is now the standard quality of their products and service. 

Is there anything that you can do to help? The service XXXX at this dealership has offered no solution to this problem and it doesn't seem like we will resolve this at the dealership level.
Product: Credit card

I recently check my credit report and had a card for Capitol One maxed out. I have no knowledge of when this card or account was opened. Im very aware of my own accounts so it came as a suprise when my credit report showed more than it was. The account was opened in XXXX not sure exactly what date. I have no physical card and no reach of the account. It is exceeding a {$500.00} dollar max out. I have reported it to my XXXX and XXXX XXXX as an account I have no knowledge of. I have no records of purchases or knowledge of where it has even been used.
Product: Checking or savings account

This is about my checking accounts I had so many overdraft fees attached to my account. When I have deposits into my accounts, the fees still hit my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not correct and update this 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have struggled to increase my Credit score for the last year, getting a score of almost 700, which after horrible XXXX  from a husband and finally getting a divorce was a great achievement. BUT>>>>> On XX/XX/2018 I contacted Navient to start repaying a 20 year loan. Navient, instead of helping me they reported that I was 90 days late to XXXX AND XXXX XXXX PLUMMETING my credit score to XXXX which is horrible and below average. 
I tried calling to correct this and they replied ... ... .. TOO  BAD!!! 
They have harassed me for years and I would go into forbearance on their advice. 
My score is so important to me as I have really tried hard to make it better for obvious reasons. PLEASE help me remove Navients NEGATIVE reporting on my credit report I borrowed XXXX for school and now it is close to 14,000.00. 
I have read that Navient has class action law suites against them and would like any advice
Product: Vehicle loan or lease

PNC Bank issued the loan for my new XXXX  vehicle and since the inception of this loan, they have consistently FAILED to provide the monthly statement/payment forms in a timely manner. With my monthly payment due onthe XXXX ofthe month, PNC typically mails these AFTER the XXXX of the month- meaning I do not recieve their statement until about the XXXX to the XXXX of the month which makes it difficult/sometimes impossible to sent the payment in time to meet the monthly due date of the XXXX!!!!! I've spoken with them on several occasions about this to no avail. My concern is that THEIR TARDINESS results in my payments being " overdue '' and late, with the subsequent negative reporting to the Credit Reporting Organizations! My understanding is that there is a REQUIREMENT for the lender to provide the billing statement so that I RECEIVE it a minimum of 10 days prior to the due date. PNC Bank has NEVER EVEN COME CLOSE TO THIS! They barely even mail it out 10 days prior to the due date, thus putting my credit rating is at risk due to THEIR DELENQUENCY!!!!!! Can you HELP??
Product: Debt collection

I previously submitted a complaint to the CFPB on XX/XX/year> and Zions Debt Holdings LLC replied on XX/XX/year> about the {$440.00} debt that they are wrongfully attempting to collect. 

I am asking for the validation of the debt as If the account has been sold to another creditor, that creditor must prove that it has the right to sue to collect the debt. This usually means producing proof that the debt was assigned to it. 

I have also never received any written notification about this debt and if they are saying that I have, I would like to receive a copy of my signature for the certified letters to confirm receipt, if this can not be produced, I ask that you please remove. Zions Debt Holding is also in violation of 15 U.S.C. 1681-1681x as they are knowingly reporting inaccurate and differing information onto my credit reports with XXXX. 

If this isn't removed immediately from my credit report, I will seek {$1000.00} for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I explained that the inquiries were inaccurate and was told that they would be removed in 7 days and to call back after 7 days to have them removed if I did not receive any correspondence the companies. I did call bac in after 7 days and was told to do it all over again with no explanation or update and they would not remove the fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, Experian, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I submit this complaint today to notify you that I have been a victim of identity theft. Upon researching the process to remove fraudulent items from my report, I discovered that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file an identity theft report. As per FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. Enclosed are the documents to assist in the removal of erroneous information currently posted on my report. The following is a 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

We previously had a home that was mortgaged through Mr. Cooper. Prior to selling the home in XXXX, we had rented the home due to being XXXX XXXX as an XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Recently we moved to Texas ( XXXX  in XXXX XXXX, TX ) and wanted to get pre-approved for a home loan to start looking at houses. We found out that Mr. Cooper reported our mortgage as more then 30 days late on numerous months the previous year despite their being evidence of a payment being made each month. But, if you look at our statement it clearly shows that a payment was made each month. So, how could a payment be 30 days past due if there was a payment made every month? It does not make sense. Also, the home is in both my husband and my name, but the line items show my husband and I as having different months of delinquency? This is clearly wrong and despite having reached out to Mr. Cooper on numerous occasions to correct this error they are impossible to get a hold of. This has significantly altered our ability to be able to get preapproval for our next house here in Texas. This will be our XXXXXXXX XXXX XXXX prior to retiring, so the home we are looking for is our forever home. But due to their incompetence, it would seem we do not know how to manage our bills which is completely not true. We owned that home for 20 years. Please help!
Product: Debt collection

Since XX/XX/2017 I complain to MIDLAND FUNDING regarding XXXX and XXXX that these accounts are not MINE, so I send them so many letters to delete this information from my credit report but the not only ignored my request but they already violated the law of FDCPA and FCRA as still, they are reporting in my credit report.
Product: Debt collection

XXXX has placed a collection on my credit report XXXX in the amount of {$120.00} through a collection agency called South west credit systems. This debt is not mine, I have never had XXXX before and this needs to be removed immediately. I have tried disputing through XXXX and through the collection agency, but they have failed to remove the collection from my credit. So, I am submitting this complaint to get some results and a deletion of this false collection on my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one student loan that does not belong to me but is on my credit report I need this removed from my credit report since it does not belong to me. I have opened an FTC tried reaching out to the bureaus as well as the furnishers but they are not being helpful I need assistance please. 

XXXX XXXX - Acct # XXXXAmt {$140000.00}
Product: Debt collection

Subject : Formal Complaint against Capital One Auto Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One Auto for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Capital One Auto placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Capital ONE Auto, including text messages, emails, and phone calls. I insist on engaging through written correspondence. 

In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Capital One Auto provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Capital One Auto is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Capital One Auto is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that Capital One Auto is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of Capital One Auto constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I filed a CFPB complaint against Lexis Nexis and they aren't responding to the complaint but sending me stall emails stating they need additional information a copy of my ID, Social, and bank statement. I already mail all that with my letter and stapled it together. so this time i will attach all that information to the complaint where they can no longer stall. 

my name is XXXX XXXX my XXXX is XXXX my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX my XXXX XXXX XX/XX/XXXX my email is XXXX my phone number is ( XXXX ) XXXX Now to continue to the complaint. 
I received an email from my paid credit monitor service that a bankruptcy was reported on all XXXX credit bureaus. so I called each bureau and ask them who reported this information. everyone lied to me and told me the court reported it. So I sent a letter to court asking them why did they report this to XXXX, XXXX and XXXX. The court mailed me a letter stating that they will never report any information to any of the credit bureaus or any XXXX parties nor has business with any of them. 

So I mailed a certified letter and priority letter to each credit bureau also to Lexis Nexis, XXXX XXXX XXXX, and XXXX XXXX XXXX. along with that dispute was an attachment of copies of my social, ID and proof of address along with the copy of the letter the court mail me stating they don't report to none of them nor has business with any of them. 

The dispute letter was me Demanding for the bankruptcy to be deleted immediately. It has now been over 30 day and i haven't received any response in the mail. But on my paid credit monitoring service it shows my investigation is completed and verified as accurate. 

The listed companies above is in clear violation. And someone is not doing there job.

This is a violation with the Privacy Act of 1974 This is a violation with the FCRA This is a violation with FCRA 611 ( 15 USC 1681i ) This is a violation with FCRA 623 ( a ) ( 5 ) This is a violation with 15 USC 1681a ( e ) This is a violation with 15 USC 1681b ( a ) ( 2 ) This is a violation with 15 USC 1681c ( a )