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

I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting or other personal consumer reports

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Product: Credit reporting or other personal consumer reports

I am in urgent need of assistance in resolving the current situation. Upon reviewing my credit report, I noticed an incorrect entry listed in the collections section. I sent a letter to XXXX XXXX requesting validation of the alleged debt associated with account # XXXX. To date, I have not received adequate evidence confirming that I am indeed responsible for this debt. The only documentation they sent me was a statement of the balance, and nothing more. I have no record of any debt with this company for the specified amount. As the company has failed to provide me with substantial proof of my legal obligation to pay this alleged debt, I ask that you remove it from my credit report. Please provide confirmation of the deletion. And you need to know that, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments XXXX XXXX # XXXX from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2021, I mailed a letter demanding for all 3 credit companies to update my correct name and home address. I also sent a copy of my social security card and driver 's license with correct information. I demanded them to remove all incorrect address and name. Which they file to do so.
Product: Debt collection

contacted collection agency advised that I never had an account and the didnt do anything. also disputed with  XXXX  with no results. this account is not mine. asked for validation that I opened the account.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE ELSE STOLE MY IDENTITY TO APPLY FOR CREDIT CARDS AND LOANS
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an extension of credit through XXXX XXXX XXXX on XX/XX/2021 due to XXXX furnishing inaccurate information on my report that was later deleted. the inquiry that discover mentioned in their letter of denial was because of a company called XXXX which you will see in the documents uploaded. Also after reviewing my most recent credit report that was sent out to me, I discovered even more inaccuracies not to mention i noticed XXXX XXXX showed up a few times and i never reached out to them for any credit purposes, so why are they accessing my information? Everything that was deleted ranged from names, addresses, phone numbers and hard and soft inquiries. 

This made me feel cheated because these companies are supposed to make sure we dont experience these things and then this happens. I suffered so much as a result of this from being denied credit making it seem like I have a bad reputation and not responsible. This caused me sooooooo much XXXX XXXX and XXXX XXXX and lXXXX XXXX XXXX  amongst other things when i learned what XXXX has willfully allowed to be put on my report despite the fact that it didn't even belong to me and was later removed after reaching and speaking to both of these companies. 

No one should ever have to suffer the way I did being a consumer and natural person, how am i supposed to trust these companies after this? I also want to point out these agencies giving miscellaneous companies access to my personal consumer report with out my express and written consent. Not only did they gain access illegally there wasn't even a permissible purpose for the access as these agencies always tend to point out when speaking with them.
Product: Credit card or prepaid card

I responded to an offer for a credit card. The offer stated {$75.00} fee for 500 in credit. I accepted and used the card once in XXXX with a purchase of {$65.00}. I then tried to use it and was told the card was restricted. I called but was unable to get a reason for the restricted status. I never received a bill or an explanation and when checking my credit report there was a delinquency and an amount due if {$200.00}. I am disputing the amount owed
Product: Debt collection

I 'm am disputing this debt and have filed a complaint with Washington State Attorney 's Office against XXXX. XXXX and Source Receivables Management XXXX for Breach of Contract ; Failure to Providing Service ; Bait and Switch Sales Tactics of Ipad Contract and Billing ; not providing me with a written contract when asked ; unauthorized use of my digital signature ; providing only a Ipad contract which I do n't own a Ipad, and Double Billing. Failure to act in good Faith by not responding under Contract Law, and Bait & Switch Sales/Billing Tactics. This is the third time I 've asked for information of reported debt filled by XXXX, and they would n't respond to the Washington State Attorney 's Office ; and which XXXX drop the claim. Then I get hidden post card mail from the other collection agent, that looks like junk mail in my junk mail from Source Receivables Management XXXX saying XXXX has filled a Debt Claim. If XXXX does n't response to the State Attorney 's office or Federal Agency 's Complaints how can the they really be acting in good faith during the sales and service process. 

I 'm asking XXXX and Source Receivables Management XXXX to provide the full names and information of all Agents representing XXXX that where responsible for the negotiation of the implied legal Ipad contract and security procedures for my digital signature. Information on XXXX training/licensing program for Agents representing XXXX during negotiating legal contracts with the public and/or consumers. The Full names and Titles of the Agents representing XXXX in contracts, communications, and not abbreviated names like ( XXXX ) example. The Agents names, titles, contact information of XXXX department or the department responsible for overseeing debt collection and all legal contract matters. 

XXXX XXXX XXXX, KY XXXX
Product: Vehicle loan or lease

Happy new year, I am writing to inform you about the unfortunate passing of the primary borrower, [ XXXX XXXX ], who held an auto loan with your institution. I co-signed the loan with [ him/her ] and have been diligently attempting to maintain the payments since her passing in XXXX. 

Despite my efforts, the car has been towed away, and I am left in a challenging situation. I am reaching out to request your understanding and cooperation in managing the collection process for the outstanding balance. Given the circumstances, I would appreciate any assistance or guidance you can provide to navigate this matter. 

I understand the importance of fulfilling financial obligations and preserving the integrity of my credit. However, the loss of the collateral has added complexity to the situation. I am willing to work with you to find a resolution that is fair and manageable under these circumstances. 

I kindly request your consideration and would appreciate any information or documentation required to facilitate the deputation of collection in light of these unfortunate events. Please feel free to contact me at [ XXXX ] to discuss this matter further. 

Thank you for your understanding and cooperation. 

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

In accordance with the Fair Credit Reporting Act the following Accounts, have 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.

15 U.S.C 1681 ( 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. 1681-2 ( 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.

In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report. 

Experian stated the XXXX account XXXX opened XX/XX/2018 was properly investigated but how is that possible if I never applied for the XXXX account XXXX XX/XX/2018 and have sent them a letter from XXXX in which it states the account was opened fraudulently? I have also filed a police report and a FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE INCORRECT PERSONAL INFORMATION Please remove the following personal information that is showing for me which is incorrect : Incorrect Addresses XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My correct current address is : XXXX XXXX XXXX XXXX XXXX, FL XXXX I have attached a copy of my drivers license as proof.
Product: Credit card or prepaid card

I used a company called XXXX, They stated they text me and call me-But it did not happen until I filed a complaint against them. They terminated our contract. I disputed it with Discover and they put the charge back on the account. I sent a letter stating I had 15 days to respond. I called them but they stated that it did not matter about the 15 day the charge stands. THEY merchant terminated the contract and not doing business with me. 
But Discover refuses to remove the charge
Product: Consumer Loan

I took out a loan in XX/XX/XXXX from XXXX XXXX XXXX, for {$2500.00} which was directly deposited to my checking account. I was to repay the loan at a rate of {$290.00} for 48 months after an initial payment of {$270.00}. I was charged an APR of 139.12 % or a total finance charge of {$11000.00} was finally paid off in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to verify the debt that they claim I owe for XXXX  I am currently paying XXXX  directly for my account and do not believe to owe them nor do I have any type of contract with them. The credit bureau has not done a formal investigation into my dispute as they do not request proper verification.
Product: Credit reporting or other personal consumer reports

Before i begin, i would like to say i have never had this issue with another credit union. Before i had medical issues and my life turned upside down, paired with TWO hurricanes hitting my state, ( which still has homes here uninhabitable, driving rent up ) i was always timely with payments and as soon as i knew money would be an issue i signed up to be on a plan, on any card i had, in order to decrease debt. XXXX XXXX can attest to that. 
Discover did not have any sort of debt relief option. Discover was my first credit card. The way that discover sends out sign up letters to freshly XXXX XXXX  XXXX to potentially permanently damage their lives for a LONG time is extremely predatory. The way that this is even legal stuns me. Anyone under the age of XXXX does not understand that responsibility. 
My unhappiness with discover stems from the day that i accidentally typed a wrong number on my banking info to send through my money that would FINALLY, after trying to save for so long, CLEAR my debt. The payments had issues, which i still never have gotten the full grasp of due to horrible customer service, going from department to department and being told different reasons, in confidence i was being told the correct information, to a guy that was not so subtlety telling me theres nothing he can do and to cry about it, ( which is probably documented ) and that my account will remain closed. Ever since then ive tried to be consistent with the payments despite my medical circumstances, I have signed up for the program to alleviate my debt, and i am still getting credit reports that i am missing payments although my payments are not until XXXX. 
Now this will affect me for years, not only am i XXXX XXXX XXXX facing the worst economy america has ever seen, my odds of having anything of value in this life are already slim, i then have to deal with this horrible establishment that has been screwing me over for the past year.. time and time and time again and not being anyway helpful about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status Collection account. {$120.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$670.00} Balance updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, XXXX, and TransUnion. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My information was exposed in a data breach and I need it taken care of asap under section 605B I have this right without any third parties to all credit bureaus.
Product: Debt collection

I HAVE TOLD AARGON TO CEASE AND DESIST ANY COMMUNICATION WITH ME. THIS MEANS BY MEDIUM, INCLUDING MAIL. I HAVE JUST RECEIVED A LETTER BY A PERSON BY THE NAME OF XXXX  XXXX   IN THE MAIL THAT THEY ARE ATTEMPTING TO GAIN INFORMATION FROM ME TO PROVE THAT I AM A VICTIM OF IDENTITY THEFT. I AM NOT REQUIRED TO PROVIDE ANYTHING TO THIS COMPANY AS I DO NOT OWE THEM ANYTHING AND HAVE NOT ASKED THEM TO INVESTIGATE MY CLAIM OF  IDENTITY THEFT. CONTACTING ME AFTER I HAVE GIVEN THEM INSTRUCTIONS TO STOP IS A DIRECT VIOLATION OF THE FDCPA 15 USC 1692c(c) et seq.THIS COMPANY IS STILL SAYING I "OWE" AN AMOUNT OF XXXX AND IS STILL TRYING TO TO COLLECT ON THIS DEBT I TOLD THEM I DONT OWE. THIS CONTINUED CONTACT WITH ME AFTER THEY WERE TOLD TO CEASE AND DESIST IS ALSO A VIOLATION OF 15 USC 1692d AS AARGON IS CONTINUING TO HARASS ME. THIS FURTHER COMMUNICATION WITH ME IS DISTURBING TO MY PEACE AND CAUSING ME EMOTIONAL DAMAGE AND HARM.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is XXXX account on my credit report that is not mine I have tried sending letters and disputes to the bureaus and the furnishers and I have got back nothing. 

XXXX XXXX - Acct # XXXX Amt {$580.00}
Product: Debt collection

I attempted to get verification of a contractual agreement from the company. For verification, I have received a billing statement for verification. I also realized that this company does not have a Debt Collector license in the state of Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX   XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of   ED/XXXX {$4500.00} 6 ) Dept of ED/XXXX  {$3500.00} 7 ) Dept of ED/XXXX  {$2200.00} 8 ) Dept of ED/XXXX {$2100.00} 9 )  Dept of ED/XXXX   {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX {$1700.00} 12 ) Dept of ED/XXXX   {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX  {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, financing a new car. Done it several times before, it's a familiar if detail-intensive and at times exasperating process. Just need to go through all the steps, right? 
WRONG! There's a new step I'd never imagined : EQUIFAX. After their massive security breach A YEAR AGO I activated a security freeze. Now I need to unfreeze it temporarily. No big deal, right? But today, a Saturday, the weekend day when more cars are sold than any other day, it was IMPOSSIBLE to lift the EQUIFAX credit freeze. Their website DOES NOT WORK. Not a new problem! A year after their data breach and they STILL CAN'T GET THEIR WEBSITE TO WORK! How much is this hurting the auto industry? 
Why can't the Trump Admin DO SOMETHING like SHUTTER EQUIFAX? ( rhetorical ) I'm so mad I can't see straight. The deal it's took weeks to find will be gone by Monday. And EQUIFAX is the reason.
Product: Credit reporting or other personal consumer reports

My mother had a mortgage loan that she was paying back and she had my name down for if something should happen to her it would still be able to work out something to try and get ot paid well she passed away in XXXX  and I was left in the blind didn't know anything about what was going on other than this has to be paid or elseXXXX  Well nobody told me that I could have gotten payments lowered or got a modification on it or anything so we ended up losing it to foreclosure and my credit report or score was all messed up behind something that wasn't mine from the beginning know I'm suffering and I don't think it's right
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Debt collection

I have a collection account showing on my credit report that I know nothing about with this company The CBE Group. I have not opened anything with them nor do I know who they are. The claim shows an open date of XX/XX/2019 for {$280.00}, now owing {$280.00}. I have tried to dispute this with no success. 

I have not received anything in the mail showing what business this is nor did I receive any collection letters or warnings. This just appeared on my credit. I would like to know what this is and for it to be taken off because I no nothing about it.