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

I purchased a XXXX XXXX XXXX XXXX financed through Exeter finance. I reached out to Exeter finance in XX/XX/XXXX to see if they would work with me to try and lower the payments so that i can keep the vehicle during the pandemic. Exeter declined and the vehicle was repossessed and i actually paid to get it back in which they said they would work with me. I asked could payments be rolled over to the end of the loan and what was my other options, unfortunately the vehicle was repossessed again in XXXX, they never sent me anything where the vehicle was located so that i could retrieve my personal belongs nor when the vehicle would be auctioned off. I received a call from them in XXXX stating they sold the vehicle and that i had a remaining balance of {$9800.00} left on the loan. I later received another letter from a collection agency stating they represented Exeter and i had a balance of {$5500.00} and i was only to communicate with them to settle the debt. Exeter is reporting 3 different balances on my credit.
Product: Credit reporting or other personal consumer reports

The company XXXX has obtained my consumer report on XX/XX/2022 without my knowledge or consent. I have not given written or verbal consent to XXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Product: Debt collection

on XXXX of XXXX contact them about the debt they say I owe them and the original creditor had a very small balance than this company say I owe them. They have use this to hurt my credit. They would not even accept a pay for deletion to remove the from my credit file. This debt was in XXXX reported.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all 3 credit bureaus after initial contact with the creditors to correct issues and fraud on my reports. I have not received a thorough investigation on who the suspect behind these charges are, as well as the validity of the charges. I have been a victim of extreme fraud and ID theft in which has caused me several denials and undue hardship for the past 3-4. years. I have sent in my ID, police reports, notarized statements, alert letters that all of my personal information has been sold on the dark web, etc to no avail.

I was able to get a few things rectified but there are still some very huge amounts of debts that I did not create that are still on my report. I have disputed several times for the last 8 months and the CB 's have done nothing but ignore my claims with no proof that the fraud accounts are mine. Please see the following information from each of the credit bureaus and the accounts in question : XXXX- XXXX- An illegal re-insertion placed on my account for a XXXX fraudulent loan that was previously deleted. IAW with the FCRA 623 ( a ) there are quite a few things that the bureaus have failed to correct on my file, to say the least. 

XXXX XXXX-Verified account but I've never missed a payment. Account in deferment due to COVID-19 at the moment but should not account for it being late. Contacted creditor and verified the error. Bureau notified ( supposedly ) and should have corrected this oversight on their end. 

XXXX XXXX- I have never had an account with this company and have requested numerous times for the investigation of this from both the bureaus and creditor. I have received nothing. Therefore, as there is no proof of ownership, it must be removed IAW FCRA 623 ( A ). 

XXXX Utility bills- XXXX/ XXXX XXXX  ( Online Services ) that have been charged to my account under collection status in a geographical location that I don't even live! I reside in California and we don't have XXXX here, nor do I live in a home that a security system is installed such as XXXX. 

XXXX- Fraudulent. I do not own a credit card from XXXX, only XXXX and that account has been verified as accurate. 

Equifax- XXXX XXXX ( Online Services ) that have been charged to my account under collection status in a geographical location that I don't even live! I reside in California and we don't have XXXX here. 

XXXX XXXX- Fraudulent ; again, I only have ONE credit card. This is not my account. 

XXXX XXXX-Verified account but I've never missed a payment. Account in deferment due to COVID-19 at the moment but should not account for it being late. Contacted creditor and verified the error. Bureau notified ( supposedly ) and should have corrected this oversight on their end. 

XXXX- Fraudulent. I do not own a credit card from XXXX, only XXXX and that account has been verified as accurate. 

XXXX XXXX- I have never had an account with this company and have requested numerous times for the investigation of this from both the bureaus and creditor. I have received nothing. Therefore, as there is no proof of ownership, it must be removed IAW FCRA 623 ( A ).
Product: Credit reporting or other personal consumer reports

his account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  number XXXX ( XXXX XXXX )
Product: Credit reporting

XXXX XXXX XXXX XXXX -Collection agency for XXXX XXXX XXXX XXXX 
This debt should not have been sent to collections as my Insurance XXXX XXXX XXXX XXXX paid this claim for the maximum benefit and that made the balance due {$0.00}. 
I have requested that Experian remove this collection account through disputes numerous times and they have failed to, even though I have provided proof from XXXX XXXX that the original bill was paid. 
I would like Experian to please remove this Collection account from my report. 
I am attaching the letter dated XXXX/XXXX/12 listing the amounts they paid to XXXX and that they have paid out the maximum amount.
Product: Vehicle loan or lease

I paid off my Alliant CU vehicle loan over XXXX years ago. Despite calling many times and speaking with supervisors/management, I still have not received the title to my vehicle. I have confirmed with Colorado Department of Motor Vehicles that they have obviously not received the requisite documentation from Alliant Credit Union. I have bought and sold numerous vehicles in Colorado and have never had to previously contact any financial institution whatsoever for this basic and fundamental function, let alone needing to call many times or needing to ever speak with a manager. 

I hereby request that Alliant CU sends the required info to Colorado DMV to get me my title for this long paid off vehicle. I request the date and time and person who received this required documentation, and I also request that a copy of this documentation be sent to me at my email of record on the account. 

That I had to make all of those phone calls and submit a complaint to the CFPB, and have still not received my title, is disgraceful, and potentially criminal felonies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 a creditor by the name of XXXX XXXX XXXX XXXX appeared On my credit report. I disputed the account immediately with the credit burea as well as the company along with CFPB. CFPB case # XXXX. The debt was removed from my credit and a cease and desist order was placed. In XXXX of 2017 I noticed that the same debt appeared back into my credit report without any notification from the credit bureau or the creditor. I am asking that this debt be removed as it is not valid and am requesting proof of debt with signature. Also the credit bureau did not properly notify me that this debt would be placed back into my report as required per the FCRA.
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. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$32.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7000.00} MI XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TOWER LOAN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXP XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/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: 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 confidentially under 15 USC 1681. 

*XXXX XXXX XXXX XXXXCCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX Has violated my rights. 

*XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX TX 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite my persistent attempts, I've encountered no resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the significance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no choice but to demand the immediate removal of these items from my report.
Product: Credit reporting or other personal consumer reports

Pursuant to the laws set forth below, you : EXPERIAN, XXXX, and XXXX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : EXPERIAN, XXXX, and XXXX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 

Pursuant to : 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) IN GENERAL : Subject to subsection ( 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. 
DocuSign Envelope ID : XXXX Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES.

( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Pursuant to the laws set forth ; I DID NOT GIVE YOU : EXPERIAN, XXXX, AND XXXX, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. I AM NOW SEEKING REMEDY FOR YOUR VIOLATIONS. IF WE ARE UNABLE TO AGREE ON THE REMEDIES SET FORTH I WILL SEEK JAIL TIME VIA FEDERAL COURTS FOR THESE VIOLATIONS. 

THESE VIOLATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEM PURSUANT SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Ameritech Financial Act # XXXX This company fraudulently told me they were a loan payment and reduction and forgiveness program. They told me over 25 years of making 119 payments my loan would be completely forgiven. After receiving a letter from the federal trade commission, I followed up with Ameritech financial. They stated they were not making payments to the loan institution and I could not get my money back. 

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Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiry from XXXX XXXX appearing on my credit reports. I did not apply for any credit or authorize this inquiry, and it is negatively affecting my credit score. I request that this inquiry be removed immediately to correct my report and prevent further harm to my credit profile.
Product: Credit card

This complain is based on the fact that I shell not pay for transaction which are not mine. I have had over 20 years long relationship with CHASE Credit Card and Private Banking and have had no similar disputes in the past. I pay my statement amounts on time and in full with understanding that when there is a disputed charge or an unauthorized charge banks are obliged to follow certain legal standards and pursuant to Fair Credit Billing Act ( FCBA ) : ( sic ) ... '' Credit Card companies must resolve dispute within billing cycles ( but not more than 90 days ). '' - If not they can not collect any disputed amount ''. 

As you can see form the attached letters, after previously speaking on the phone with the CHASE representative on XX/XX/XXXX I informed again CHASE Bank Card Service, this time in writing, that I did not recognize specific charges listed in the attached XX/XX/XXXX letter. After failing to acknowledge the dispute, issue provisional credit and start due investigation more than 100 days, CHASE XX/XX/XXXX issued the credit in the amount of {$8600.00} and this credit can be seen on the attached statement. Without providing any explanation CHASE then took away the credit and made the Fraud Department representatives VERY HARD to reach. 

Run around and obfuscation was unacceptable. What I experienced during multiple, long holds and transfers around was horrible and it went as far as using low paid employees to bounce you form one level representatives to another whereas those would demanded that I " verify public record '' information that I never gave CHASE but CHASE obtained god knows how and demanded that I verify those before I can be transferred to Fraud Department. For more details please see My XX/XX/XXXX letter. For example it took me more than 6 calls and voice messages to reach XXXX XXXX XXXX ext XXXX before she returned my call, but not before I threaten to file the complaint with the XXXX XXXX XXXX. Prior to me saying this in my message, she just chose to ignore me. XXXX XXXX NEVER provided any documentation that would in any way indicate that any of the mentioned charges, which CHASE credited XX/XX/XXXX were mine or in any way authorized by me. CHASE failure to properly start, conduct and complete the investigation and their failure to provide any supporting documentation within the time prescribe by law or even after is the reason why I demand that CHASE issue {$8600.00} credit to my account as I paid under protest that amount to avoid negative impact to my credit as CHASE did not issue the credit when I made report, which my understanding is they should have under the law. Comment made by XXXX XXXX on XX/XX/XXXX that charges that was rebuilt were validated, are flat out lies. The true fact is that my request to CHASE to provide records showing that any of those charges are mine or authorized in any way by me were ignored. 

Accordingly, I am filing this complaint with request for resolution in the form of full credit in the amount of {$8600.00} and if CHASE has any records that any of the unauthorized charges were mine, CHASE is welcome to provide them to you as I received NONE. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$9500.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX {$4200.00} XX/XX/XXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} -- / -- XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$290.00} -- / -- NOT PROVIDED XXXX {$75.00} -- / -- 15 U.S.C, 1681section 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On XX/XX/XXXX.This utlity company and decided to end our business relationship due to breach of contract.they were charging me for services not rendered. So I payed my final bill and sent in my equipment. Never heard from then again until a collection agency contacted me saying I owed a debt from this utlity company on XX/XX/XXXX. I disputed with all 3 credit bureaus and had them removed from all 3 bureaus. On XX/XX/XXXX I seen my credit report show a collection from the same original utlity company but a different collection agency. I disputed again. XXXX removed it. But not XXXX or XXXX. On XX/XX/XXXX I contacted them and asked the collection agency remove from my credit report.They said they could not.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit reports. from the following credit reporting agencies XXXX, TransUnion, and XXXX I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.This is a violation of my rights as consumer as well as identity theft.according to The Privacy Act of XXXX prevents federal agencies from releasing records that contain personally identifiable information without the individual 's written consent. and 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
And i did not give any written consent XXXX XXXX  ; inquiry date ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of the privacy act of XXXX as well as my rights as a consumer
Product: Debt collection

Send Letters Talked to the debt collectors expaling the debt did not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX