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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XX/XX/XXXX To Whom It may concern, I am writing this letter to request the removal of certain accounts from my credit report. After reviewing my credit report, I have discovered that some of the the accounts listed are not mine. I am writing to request that these accounts be removed from my credit report as soon as possible. 

I have listed the accounts that are not mine. The accounts in question is, : XXXX/XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THESE ARE THE INQUIERIES THAT ARE NOT MINE AND I DID NOT AUTHORIZE. 
THE ACCOUNTS THAT ARE NOT MINE THAT I NEED REMOVED ARE : XXXX XXXX ACCT XXXX XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX ACCT XXXX XXXX, XXXX ACCT # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX ACCT # XXXX I Never opened any accounts and have never had any dealings with the companies that reported them to the credit reporting agencies. 
i understand that it is essential to maintain an accurate credit report, and I am willing to provide any further information or documentation that may be required to remove these accounts from my credit report. I would appreciate it if you could investigate this matter and take the necessary steps to remove these accounts from my credit report promptly. 

Thank You for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This company, just placed a collection account on my credit report for {$1600.00}, on XX/XX/XXXX, so I called company got into heated argument with agent because I said this company never mailed out any information about this debt account so I can properly dispute these charges? And I asked for the original credit collector, she stated you know who they are? Excuse me I said can you mail me out a copy she stated yes? and still haven't received a thing from this company, in writing. but every other day reporting the balance is going up by XXXX to all credit bureaus.also the original credit collector is XXXX XXXX and it was fraudulent charges made on the account resulted in them closing the account..then almost a year later this company picks it up trying to collect the debt. Let agent know at midland Credit management. That the original debt collector XXXX XXXX  failed to mention this account had fraudulent charges and was closed out. She insisted it wasn't true, and proceeded to tell me I'm responsible and need to pay. This company dates don't line up with when the original account was open. The original account was open in XXXX XXXX.this company stated this account was opened XX/XX/2020. Making it only open for 10 months on there end. They have balance as XXXX the original card balance was {$1500.00} and closed at {$0.00} balance owed.this agency is flagging my accounts every other day. On all credit bureaus.
Product: Vehicle loan or lease

A couple of days ago I applied for a auto loan with navy federal Which I found very surprising since I have paid off several things for my credit report even a {$48000.00} vehicle that was currently on my credit report Navy Federal has been really treating me unfair when it comes to any time when I apply for any form of a credit line increase or a loan feel like something is personal Because the explanation I was given on the reason why I was in that didnt make any sense I asked Navy Federal to do a manual credit pull because like I said my credit score has changed dramatically and I still was denied for a credit line increase to which I have had my accounts with Navy Federal and excellent standings for over a year and a half And I want to continue doing business with Navy Federal but they are making me feel totally uncomfortable with expanding my business with them and also doing any form of transaction as far as loans credit cards etc.
Product: Debt collection

I have been disputing this account for some time now with Genesis Credit. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Debt collection

Debt is over 7 years old and is still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Innovis freeze my file and stop collecting or providing previously compiled information about me. I included a copy of my ID, SS card ( redacted to show only the last four digits ), and proof of address in my letter. However, I provided my FULL social security number in the written request. Rather than process it, I received an email asking me for information already provided. This is unacceptable, and I consider it a stall tactic!!
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department.

The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over five years. 
But somehow, these fraudulent accounts still exist in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reported these fraudulent accounts since the submission of the required documents. Additionally, I have reached out to the bank associated with the fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/year>, I transferred {$4500.00} in credit card debt from XXXX to my Wells Fargo XXXX card. I paid a {$220.00} balance transfer fee to Wells Fargo, and the transaction was completed correctly {$3000.00} was paid toward my XXXX XXXX card and {$1500.00} to my XXXX XXXX. 

Then, on XX/XX/year>, XXXX mistakenly sent {$4500.00} back to Wells Fargo, reversing the balance transfer. This was an error I did not request or authorize. 

Since then, Wells Fargo has failed to return the funds or take accountability for the reversal. Ive made multiple phone calls, filed an earlier complaint through the CFPB, and emailed Wells Fargos executive office. Despite all of that, Ive received nothing but vague responses with no resolution, documentation, or timeline. 

Wells Fargo opened case # XXXX and said they would respond by XX/XX/XXXX. That deadline passed with no action. Then, they pushed the follow-up to XX/XX/XXXX, but still did not resolve anything. Their updates are copy-paste responses. They have made XXXX effort to fix the problem. 

As a result of Wells Fargos ongoing inaction, I have been forced to carry {$4500.00} in debt on both my XXXX and Wells Fargo accounts. To protect my credit, I have been making minimum payments on a balance I already paid off. I have now paid {$240.00} in interest charges, documented on my XXXX and XXXXXXXX XXXX statements : XXXX XXXX : {$99.00} ( XXXX ) + {$62.00} ( XXXX ) XXXX XXXX : {$37.00} ( XXXX ) + {$40.00} ( XXXX ) Wells Fargo also denied my credit limit increase requests twice, even though their mistake increased my credit utilization and damaged my credit score. Because of the drop, I was denied a personal loan that I urgently needed while job-hunting. 

This situation has created real financial hardship and emotional stress. I initiated the balance transfer to reduce interest and protect my credit while unemployed. Instead, Wells Fargo has made my financial situation worse. The lack of documentation, failure to return funds, and refusal to take responsibility have left me with no option but to escalate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I signed up for Lexington Law Firm XXXX XXXX XXXX. I decided to cancel the service on XX/XX/2020. 

XX/XX/2020 Lexington Law debited my checking account for {$100.00} without authorization and for no services provided to me because the service was cancelled. 

I telephoned Lexington Law Firm on XX/XX/2020 and spoke to a paralegal XXXX who confirmed the services were cancelled so my account should not have been charged. 

I telephoned my bank and requested a stop payment on all future charges by Lexington Law Firm in the event the company attempts to withdraw money from my account for a service I do not have with this firm.
Product: Consumer Loan

Santander consumer USA is my auto lender. They have charged me fees that I keep paying and paying. I have not been late on my payments but every months they generate a reason for why they are tagging more fees onto my loan. As of my last payment, I paid every single penny I was told I owed just so that my account can return to normal. Now I went to make payments, even though I 'm not yet due, and they had more fees from nowhere. They are also not willing to speak on the record so there is n't a repeat of this come next month and they are not willing to speak with me. 

I am afraid if this is not kept in check they will find reason to keep generating and adding endless predatory fees onto my account. 

Please I need your help.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXXXXXX 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 my 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 REPORTING 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 21 days before the payment due date. 


( XXXX, XXXXXXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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
Product: Vehicle loan or lease

I cancelled my auto extended warranty within 30 days and this is not in dispute by the warranty company, the dealership or Regional Acceptance Corporation. Regional Acceptance Corporation refuses to credit back the full {$3000.00} to my acct, thereby enriching themselves at my expense for which I have gotten no consideration.
Product: Debt collection

My father XXXX XXXX used my name, date of birth, social security number, address, and phone number to get multiple loans and open multiple credit cards.These accounts were opened when I was in middle and high school without my consent.I knew nothing of the accounts until XX/XX/2023 when I looked at my credit report through experian for the first time ever.Ive disputed all accounts and are still waiting on results to clear my name. I have filled a police report and pressed charges opening an investigation.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX  opened XX/XX/2023. XXXX XXXX opened XX/XX/2023. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

US Bank is acting as a predatory lender by making far beyond what is owned on the vehicle after a total loss accident in a lease agreement. This is a stressful time already, having a bank capitalize on good consumers is a terrible practice. 

On XX/XX/XXXX I was in a accident involving my XXXX XXXX XXXX. 
On XX/XX/XXXX My vehicle was determined to be a total loss and valued at {$60000.00} On XX/XX/XXXX After repeated attempts by XXXX XXXX to get the payoff amounts I called to get the information myself from US Bank. I was denied payoff information. This is also what XXXX XXXX experiences. On the US Bank website, Statements & mobile app, you can not locate any information about remaining payments or amount owed. Given my truck was total loss, they refuse to give any numbers to me as the consumer. It is super shady they give no numbers and leave the consumer in the dark. 
On XX/XX/XXXX We had a three party call where US Bank stated they make the decision on overpayment amounts and do not give out payoff information. 

With further questioning, US Bank stated to me ( consumer ) that any over payment assessment is done by them and they are entitled to equity in the vehicle given if the vehicle valuation was less than what was owed, they would take the loss justifying keeping the excess. However, this information is not declared in my lease agreement. With this information, I ( & any average consumer ) would have never made such a considerable down payment given why take the risk ourselves if the bank wants to take the risk. Furthermore, my lease does state I am responsible for XXXX  insurance which contradicts what was told on both calls. Every contact with them resulted in incomplete or unclear understanding of their own business processes. US Bank should be able to provide the amount owned to make the loan whole. It is complete recklessness on their part to hide behind legal jargon in a contract and refuse to give out the true payoff amount. Also, the rep informed me that I can not pay off the loan myself now the vehicle was total loss, meaning they force the insurance companies to pay them the full amount which is like stealing from the consumers. It is a complete predatory tactic to dup customers into putting large down payments and then double dip on the backend of the contract. 

I would include a copy of my lease agreement, but to no surprise, there is no digital one available on the US Bank website. Everything is being hidden from me as the consumer. Let me also add, that my original lease documents list no loan number or account number. It is like it never existed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX INQUIRY : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been divulged in the Equifax leak announced XXXX XXXX, according to https : //www.equifaxsecurity2017.com/potential-impact/. This information can include my date of birth, full address, SSN, drivers license number, and more. I 've put a 90-day fraud alert on my accounts, but I am filing a complaint against Equifax here as well for potential identity theft due to their actions. Furthermore, I believe this site https : //www.equifaxsecurity2017.com/potential-impact/ itself is unsafe, as it asks me to enter my last name and most of my SSN in order to determine if my personal info has leaked.
Product: Credit reporting or other personal consumer reports

Formal Dispute of inaccurate Credit Reporting under FCRA and Consumer Law.

I am writing to formally dispute information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which inquires credit reporting agencies to conduct a reasonable reinvestigation of disputes items. Recent findings by the Consumer Financial Protection Bureau have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer Protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable investigation of disputes items within 30 days. Furthermore, under 15 U.S.C 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX  XXXX  from 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

This account reported on my credit report is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this debt with the company and the credit reporting agencies. I have sent all the documentation in. I provided everything, instead XXXX has violated my rights numerous of times, in which I the consumer have never gave them any type of consent to furnished my credit report with such information. The information is inaccurate. I provided them with everything but they have stalled to remove the item all while violated 15 US code subsection 1692 ( b ), 15 US code subsection 1692 ( d ) ( 1 ), and others.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection XXXX ( XXXX U.S.C XXXX XXXX ) that you, credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists PXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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.