23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have been contacting Hyundai since I got my car they said 2payments were late and they wasnt : now my car is payed off but it shows Im late and its still open. When I called this last time a girl on the phone said she had been there over a year and there was nothing I could do to fix the problem. So I hung up. Every time I call they say they will fix it but nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,    2017  {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXXXXXX Account # : XXXX XXXX opened XX/XX/XXXX bal. {$750.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$310.00}, XXXX XXXX # : XXXX date opened XX/XX/XXXX bal. {$210.00}. Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. {$23000.00} XX/XX/2017 I disputed it and XXXX and Transuion Will not remove it from my credit report the company is not responding to me XXXX removed it already. They are Violating my Consumer rights I have been taking advantage of and effecting my buying power and Betraying my reputation.
Product: Bank account or service

Missing Funds. Funds that were requested to be transferred were lost by Capital One 360 Bank ( routing number:XXXX ) I initiated an online transfer of funds from Capital One 360 Bank ( from the XXXX Bank XXXX ) to XXXX Bank XXXX XXXX XXXX, 2016. On XXXX XXXX, 2016, the XXXX Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, Capital One 360 Bank records indicated that the requested amount was withdrawn by XXXX Bank. On the weekend of XXXX XXXX or XXXX, I closed the Capital One 360 Account believing the XXXX Bank statement that they received the Capital One 360 funds. On XXXX XXXX, XXXX Bank Online History indicated a reverse ACH deposit from Capital One 360 Bank. Also, on XXXX XXXX, XXXX., I received an email from Capital One 360 Bank stating that Capital One 360 was unable to complete the transfer request from XXXX Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from XXXX Bank to withdraw money ''. ). 

According to conference calls among Capital One 360, XXXX Bank and myself on XXXX XXXX and XXXX XXXX, 2016, Capital One 360 stated that they rejected the returned funds from XXXX Bank and resent the funds to XXXX Bank. ( Trace number is XXXX sent on XXXX XXXX XXXX, XXXX XXXX. ) XXXX Bank reported again on XXXX XXXX, that the aforementioned trace number indicates merely that the Capital One 360 account was closed and no money transfer was associated with this trace number. 

The funds have not been shown to be in both Capital One 360 Bank and XXXX Bank since XXXX XXXX, 2016. 

We are imploring this agency to push Capital One 360 and XXXX Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to XXXX Bank and Capital One Bank have not yielded any meaningful results.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
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. 
XXXX # XXXX, has violated my right.I have a right to privacy.Also state consumer reporting agency can not furnish a account without my written instructions. 
I do not own this debt.I dispute the validation this debt from credit bureau.I 'm not liable for this debt with XXXX XXXX do not have contract with them.They did not provide me with the original contract as I requested and a detailed statement of the amount the claiming.
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: Debt collection

I am writing this complaint to bring to your attention that there is inaccurate and incomplete credit information included in my credit report profile, and I believe that your bureau has failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports that are published. As per credit reporting laws, it is mandatory for bureaus to report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore, I would like to request a re-investigation of the following information that I believe to be inaccurate : XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and XXXX XXXX XXXX XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$18000.00}. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX account number # XXXX has violated my rights 15 USC 1681 section 602 A //states I have the right to privacy 15 USC 1681 section A section 2 states a consumer reporting agency can not furnish my account without my written instructions or consent
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XXXX XXXX XXXX  a scammer made an UNAUTHORIZED withdrawal of {$2500.00} from my checking account after accessing my information without my consent. Today, I got a message from the company claiming the purchase was authorized. THE PURCHASE WAS NOT AUTHORIZED. Their representative XXXX failed to explain anything. This is unprofessional and unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. I have been a victim of a data breach, and I did not authorize the accounts outlined below. These accounts were opened or reported without my consent.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be investigated and permanently removed from my credit file.

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX  Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX XXXXXXXX XXXX  Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$7400.00} XXXX. XXXXXXXX XXXX  Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$670.00} XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

I have called the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my XXXX XXXX for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX  as I'm sure ...
Product: Debt collection

I was contacted by this company back in XX/XX/XXXX, they told me that I have an outstanding debt that I was never aware of for a payday loan back in XX/XX/XXXX. Stated that they were going to sue me for the funds. Afraid of legal action i agreed to make payments to them for the funds. After reviewing information online i am showing that this company is not a lawyer 's office but a collection agency. I am filing a formal complaint against their practices. To this day I have asked for paperwork showing the debt, but have never been provided the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts directly with the credit bureaus but did not receive any response : 1. XXXX XXXX XXXX - Account # XXXX* 2. XXXX XXXX Account # XXXX Please investigate and delete asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute to you and I didnt get a response within 30 days, you all are required by law to do so. Please investigate. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This account was sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. In addition, as stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave the consumer reporting agency any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts.

1. XXXX XXXX 2. XXXX XXXX  3. DEPT OF ED/XXXX  4. DEPT OF ED/XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  These accounts are individual actions, they must be delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom I t May Concern My  Name is  XXXX   XXXX   XXXX  my complaint is wit h   XXXX   XXXX   XXXX   XXXX   is two parts, credit reporting to the  XXXX  bureaus, I filed  a Chapter  XXXX  in  XX/XX/XXXX . in doing so it was not aware that recommit my loan w ith    XXXX   XXXX   XXXX   XXXX    ,  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XX/XX/XXXX . we have never missed a mortgage payment. however, we filed for a home modification in   XX/XX/XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with    XXXX   XXXX  . we  were told by the person handling the modification process with  XXXX   XXXX , that for us to qualify for the modification, we had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XX/XX/XXXX . we have contacted  XXXX   XXXX   about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found several late payments from Santander Consumer USA with account # XXXX, the term " consumer report " does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. I demand Santander Consumer USA to update my account to pay on time.
Product: Debt collection

I wrote Check # XXXX in the amount of {$280.00} on XX/XX/19 payable to XXXX XXXX for my XXXX. The employee took my check, ran it through the machine, but would not give me my check back. The other employee told her that it did not have VOID on it, so they had to retain the physical check. When checking my account, I discovered that the amount was electronically debited from my account on XX/XX/19, and then the check was run through my account on XX/XX/19. I filed the appropriate paperwork with my bank concerning the duplicate debits so that they would correct the error. I subsequently received a collection letter from TRS Recovery Services concerning the electronic transfer. I immediately wrote a letter to dispute the validity of the debt, dated XX/XX/2019. I have now received ANOTHER collection letter, threatening to begin contacting me by telephone & further collection action. I have called TRS Recovery Services to tell them that I am going to report their harassment to the proper authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Product: Debt collection

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Product: Debt collection

I was a victim of identity theft and noticed a collection from XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports