23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, XXXX on XX/XX/XXXX, its been well over 30days, I still have received anything back according to 15 USC 1681i ( a ) ( 1 ) ( A ) these companies have 30days to raise my dispute. My credit score is going low without reason, I pay my credits on time. This is a violation of my rights.
Product: Debt collection

This company called me threating to take me to court if I did not pay this bill. I found out they are unlicensed to collect in this state and it is an illegal collection. This is a bill for my ex husband not me. I felt threatened and bullied into paying this bill that is not mine to begin with.
Product: Credit reporting or other personal consumer reports

I am presenting this complaint to formally dispute the accuracy of certain negative accounts on my credit report. The information being reported is inaccurate and has caused significant harm to my credit rating. The following accounts are inaccurate and should be corrected in my credit report : XXXX XXXX XXXX XXXX : {$XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX}. Please investigate these matters and update my credit report to reflect the accurate information. I also request that you provide me with a written statement confirming the correction of these negative items once the investigation is complete. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Consumer Statement : " Your TransUnion credit report contains the following Consumer Statement. 
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. THESE NEGATIVE ACCOUNTS ARE NOT MY OWN. I DO NOT HAVE A MIDDLE NAME. ''
Product: Credit card or prepaid card

I noticed that my most recent credit report contains a late payment reported For XXXX, XXXX for my Capital one Credit Card account., I had a major XXXX done I had XXXX done XX/XX/XXXX due to XXXXXXXX XXXX With my recovery 8-12 weeks Aside from this unforeseen and unavoidable circumstanceI have a excellent payment record with captial one and im not understanding why did they report XXXX and XXXX late payment reported to my credit repot and my account was granted hardship XXXX and the rep told me it wont be reporting late being thou i had a major XXXX done and was on bed rest so how i am going to pay anything i attached my XXXX  documents below
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Vehicle loan or lease

I am writing in today about my Car lease with Kia Motor Account # XXXX. This account is reporting a late pay in XX/XX/2020. I would like to address this matter. My account was on autopay the entire duration of the loan. Upon extending the lease I was under the impression that the payments will continue being withdrawn out of my account. Unfortunately that did not occur yet the minute I was made aware of this issue I made the payment and fixed the problem as not to have that again.
Product: Debt collection

I contact XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$840.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked the name and address of the original creditor, the complete account number and the amount. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt. 

In addition, proof that they had the right to collect the debt, including any agreement that grants them authority to collect on behalf of the original creditor. 

Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts.
Product: Debt collection

This is not done in error and/or third party. I consumer ( XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer Pinnacle Financial Group is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID to help identify me.
Product: Credit reporting or other personal consumer reports

Please accept this letter as my formal writing request for the following items on my credit report to be investigated. 
According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 
I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX  Account Name : XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and saw several discrepancies and inaccuracies with the accounts listed below. There are several inaccuracies on each accounts date opened, payment date, payment amounts, etc. that needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or intormation Any otner adverse item Or Information, Otner than records Or convictions Or Crimes which antedates the report DV more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the intormation is inaccurate
Product: Credit reporting or other personal consumer reports

Account : XXXX Account Name : XXXX XXXX I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested.

I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report. 
If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it. 
Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ).

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

If I don't get proper documentation I will be filing my complaint at : XXXX and XXXX And XXXX XXXX XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

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

I looked at my report on the XXXX of XX/XX/year> and noticed that some things were incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below [ XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX, XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX  XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate And they have not responded to me. 

Here is my tracking number : XXXX Can you look into this matter
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 or other personal consumer reports

XX/XX/year> I requested for equifax to lift my security freeze I was told that it would be lifted this never happened XX/XX/year> I called equifax again and was told my address was not up to date I started a dispute to change the information I was told that the credit freeze would be unfrozen for 24 hours this never happened I received results to the dispute of updating my address but then all access was blocked I tried calling equifax and was to told to verify my identity through a link the representative stated she sent the link twice and I never received it I then stated I would send a test text message I then received the text message with the verification link I was told the verification failed I then was asked verification questions that were successfully answered and I was told that also failed
Product: Debt collection

Discover has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Consumer Loan

On XXXX XXXX, 2015 I wrote to Hyundai Finance at the addresses ( there are XXXX different ones ) listed on my credit reports regarding an outstanding balance of {$180.00} they were reporting. Their response dated XXXX XXXX, 2015 listed a vehicle purchased at XXXX XXXX in XXXX, XXXX Their letter, it should be noted, included no suggested method of payment and included the disclaimer that as an 'original creditor ' they are not subject to the FDCPA. I wrote back on XXXX XXXX, 2015 to explain that I had never purchased a vehicle at XXXX XXXX ( in fact had never been to XXXX, PA XXXX but that I was willing to pay the {$180.00} to get this delinquent balance off my credit reports if they would provide an invoice or some other way to pay. That letter was ignored. I sent a subsequent letter, and received in response a bill of sale from XXXX XXXX XXXX in XXXX, PA NOT XXXX XXXX of XXXX, PA. It should be noted, XXXX and XXXX are on opposite sides of Pennsylvania. It should also be noted that despite my pleas, there was nothing in the envelope but the bill of sale. There was no explanation. There was no statement of how the {$180.00} balance was determined. There was just a piece of paper that directly contradicts the previous letter from Hyundai Finance. I wrote a follow-up that was ignored. I also submitted several contact attempts through the Hyundai Finance website which were also either responded to with a generic reply or ignored. It seemed I was left with no other option but to file a complaint with the XXXX regarding this matter. I did so on XXXX XXXX, 2015. Subsequently, I was contacted by XXXX XXXX of Hyundai Capital. XXXX XXXX, however, would only agree to speak to me on the telephone, even citing a 'company policy ' to 'not communicate an ongoing conversation by email '. I responded to XXXX XXXX to explain that any verbal explanation over the phone, or any discussion of a settlement to this dispute, would need to be IN WRITING, so could he please advise if he is willing to put any documentation and/or promises in writing? I received no further response from him. Hyundai responded to my XXXX complaint by suggesting I file a fraud complaint if I do not feel I actually purchased the vehicle in question. A follow-up to that complaint received the same response, either I could file a fraud complaint OR I could take this matter up with the CFPB. So here we are. 

I will NOT file a fraud complaint as having such notations in a credit bureau file can lead to adverse action on other positive accounts as well as can impair the ability to acquire new credit. There is no valid reason I should have to suffer further damage to my credit due to the inability of Hyundai Finance to resolve this matter. Additionally, I simply wanted an explanation of how this {$180.00} balance was determined and a way to pay it if it is valid. There was no thought nor accusation of fraud until Hyundai Finance sent me a letter stating the vehicle in question was purchased at a dealer I had never been to in a city nowhere near my home. THEY are the ones with conflicting information, not ME.
Product: Credit reporting or other personal consumer reports

on XXXX i recived copy of my credit report and i noticed 3 accounts that are listed on my credit thats not mine and never applied for companies listed below XXXX XXXX XXXX, xxxx, $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I mobile deposit a check from my employer to my Chase bank account back on XX/XX/2023. Two days later I was informed that my account had been closed when I called them they said that they were unable to verify that the check was made for me. I then provided them with two phone numbers to my boss the one that wrote the check but when I called them back they said that they were not able to verify the check and that my account would be closed and the check would be mailed out I had direct deposit set up on the account I have received that money but not the money for the check that I mobile deposit I have been to the branch and they were unable to help me because my account had been closed they said the only I could do is call their customer service number which I told them I already done that it's been 3 months and still no check I know they got the money from the bank the check was from so why haven't Received my check yet.
Product: Credit card or prepaid card

I tried to pay {$25.00} ( not a XXXX  dollar ) using the one time usage virtual credit cards with a limit of {$50.00} and again their strange system blocked the usage of the card and I simply try to pay products or services using the card what is a card for they have no respect for customer valuable time and still their webpages are XXXX  old style system that request a phone call, why you don't send a email, somethines they send a email asking if the customer approves or denies the transaction, but their strange system forgots about that very soon, asking to confirm the transaction by phone again, that's not possible since i'm using the web to pay for product or services and i'm not using a phone to order producs, like milions of other customers
Product: Student loan

XX/XX/XXXX the company ( fed loan services ) reported that i made a late payment when i was told at the time that i would be in deferment while they processed my income based payment plan application that i submitted in XX/XX/XXXX. it was to my understanding that effective immediately my payment due is to be waived during the process. i was later approved for my current payment and was never informed of this late or non payment made. i have call several times including four times in the month of XX/XX/XXXX as well as four times in the month of XX/XX/XXXX and 3 times in the month of XX/XX/XXXX where i filled out an online dispute application and continuously receive emails stating more information need or not enough information provided for the issue to be resolved. one time in the month of XX/XX/XXXX i spoke to a supervisor who personally walked me through the entire application and assured me i have filled it out correctly and submitted it to receive yet another email stating not enough information provided. they have had this on my credit report for far too long and simply do not plan to remove the false delinquency from my credit report which is holding me back from doing things as far as credit is needed.