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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have disputed the validity of the credit bureau reporting a bankruptcy on my credit file. I have asked the agency to verify the debt and show proof of verification. They have repeatedly sent letters saying debt is valid has been verified and now as duplicative and refusing to further investigate I have contacted my county clerk and they have no record of anyone calling and verifying the accuracy of the information reported which is actually inaccurate and incorrect.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX  - XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX, and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( XXXX  ) ( A ) ( i ) ( XXXX ) ( XXXX ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Product: Checking or savings account

To : Consumer Financial Protection Bureau I hope this letter finds you well. I am writing to bring to your attention an unusual situation that has recently arisen with my checking account bank ( Wise ). After months of planning my upcoming trip, I received notification from this other bank that my account and routing numbers have been changed, with only two weeks remaining before my departure. Have you heard of such a thing? 
Given the proximity of my trip, I am concerned about the timing of these changes and whether they will take effect before my next direct deposit. I find this situation to be rather bizarre and unexpected. 
I will be traveling between XXXX XXXX XXXX. I may need to use my Wise Debt Card. 
Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of 2007 My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

Dear LVNV FUNDING LLC, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

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

sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX mc XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}
Product: Vehicle loan or lease

Sent a Formal Demand letter via certified mail on XX/XX/XXXX2024, I did not receive a letter back- I received an email I could not access due to it being encrypted. 

formally demand compensation for the significant. financial and emotional harm caused by XXXXCredit Acceptance Corporation 's ( XXXX ) unfair and deceptive practices in connection with my auto loan ( Account XXXXNumber : ( XXXX ). This. letter serves as my attempt to resolve this matter amicably without further legal or regulatory action. 


Grievance : 1. Predatory Lending Practice - XXXX  misrepresented the actual costs associated with my loan, failing to disclose the full terms in a transparent and understandable manner. As a consumer, I had the right to be informed of all fees, interest rates, and conditions before entering into the loan agreement. This lack of clarity misled me into accepting a high-cost loan for a used vehicle. 

2. Structuring Loans to Fail - The loan I received from XXXX was structured with terms that were designed to set me up for failure. The monthly payment of {$340.00}, beginning on XXXX. 
XXXX, 2010, was beyond what I could realistically afford over the duration of the loan. Despite my good-faith efforts to meet these terms, the financial burden was excessive, resulting in the repossession of my vehicle on XX/XX/XXXX2013. 

3. Harassment through excessive phone calls and emails 4. Fraudulent Misrepresentation - The dealership engaged in deceptive practices by promising XXXX deal and switching it at the time of purchase. 

5. Breach of Contract - The terms of the final agreement signed differed from what was agreed upon verbally or advertised. 

6. Unconscionable Practices - The dealership charged fees or imposed terms that were excessive, unfair, or unexpected. The cost of the car ended up being far more than what was originally agreed to. 

7. Violation of Consumer Protection Laws - Bait-and-switch sales tactics. The dealership misled me about the cost, financing terms, or vehicle condition. 

8. Breach of Good Faith and Fair Dealing -The dealership had an obligation to act in good faith during the sales process. Using deceptive tactics to push into a more expensive vehicle or deal breaches this legal duty.

9. Financial Hardship Due to Predatory Lending - hidden fees were added after the deal 10. Emotional and Financial Damages -emotional distress, financial harm, or loss of transportation due to the dealerships deceptive practices and subsequent repossession.

11. Targeting Vulnerable Customers - XXXX appeared to specifically target vulnerable consumers, including myself, with predatory practices. These tactics took advantage of my financial situation, locking me into an unfavorable loan agreement with terms that were nearly impossible to meet.
Product: Credit reporting or other personal consumer reports

XXXX did not perform a proper investigation to provide me an accurate report they did not perform a thorough investigation
Product: Checking or savings account

Hi, my name is XXXX XXXX, and I have been banking with chase for almost 6 years now. But XXXX made sure that they do not care about their consumers and the money we trust them with. On XX/XX/year>, XXXX unauthorized withdrawals were made out of my checking account using a non chase ATM. These charges were made at early morning while I was still asleep. Given, the unrecognized pattern and the non chase ATM, chase allowed the XXXX withdrawals to be complete and never alerted me. I only found out when I woke up and went into my mobile app. Chase now has denied my claim and is asking me to pay for the withdrawals that I never made. Chase deducted the total amount of the withdrawals and put my account in negative. When I tried to appeal their decision, they simply told me to take this issue outside of chase. I am disappointed in how this was handled and how I have to pay for something fraudulent, twice. I live paycheck to paycheck and barely make anything to save for emergencies. I have my XXXX  XXXX coming up which is taking place outside of XXXX, in XXXX. And I plan on paying for that XXXX. Those funds that were allowed to be taken out of my account and chase is charging me for were the savings that I was trying to set aside for my XXXX  XXXX. I dont know what to do anymore. I dont know how to get my funds back.
Product: Mortgage

Early XX/XX/2019- A full payment was mailed to My loan care for XX/XX/2019 payment. 

XXXX XXXX I called and the automated system said the payment was received. 

XXXX XXXX Check still wasn't cashed XXXX XXXX Called loan services and was told the check was " reversed '' for NSF ( non-sufficient funds ) XXXX XXXX Called my bank ( XXXX ) and verified that funds were present. They were. 

ALSO, XXXX told me that NO checks were presented for payment. 

Called My loan Care ( loan servicer ) back.. Spoke with XXXX (? ) ID # XXXX in customer service and made a payment over the phone. Confirmation # XXXX. ( She was helpful ) Called loan servicer XX/XX/XXXX and XXXX. Automated system said loan payment was received, however it also says XXXX payment is DUE and the funds are STILL in my XXXX account. 

This company has been challenging to say the least. Their web site does not recognize my account number, so I can not create an on-line account, I have been lied to, transfered from one department to another, just to be put on hold then disconnected. This not how a business should be run.
Product: Student loan

I can not get ahold of my loan servicer. I have tried a half dozen times. Either the phone line is disconnected, the chat service doesn't work, or the wait is XXXX minutes. I can not adjust my payments or do anything unless they talk with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX open XXXX14 Amount XXXX
Product: Debt collection

Someone called my job yesterday, stated the company name, and asked to speak to me. Stating the company is already too much. My job does not even allow personal calls, which is looking bad on me. If I lose my job, I will definitely seek legal action against this company. They wrote everything on a sticky note and left it on the desk. STOP CALLING ME, ESPECIALLY AT WORK.
Product: Debt collection

CFPB Complaint Letter Regarding IC Systems Collection Practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  Email Address ( XXXX ) Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Collection Practices of IC Systems Dear CFPB, I am writing to file a complaint against IC Systems, a debt collection agency, for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX Dispute of Alleged Debt I am disputing the validity of all debts that IC Systems claims I owe. I have no knowledge of these debts and have not had the opportunity to dispute them previously. 
XXXX. Revocation of Communication Rights I hereby revoke all of IC Systems ' rights to communicate with me regarding this alleged debt via email, text messages, or calls. All future communication must be made strictly through written correspondence sent to the address listed above. 
XXXX. Request for Validation Pursuant to my rights under the FDCPA, I demand written validation of this alleged debt. This validation should include : The amount of the debt The name of the original creditor A breakdown of the charges XXXX  Request for Verification and Method In addition to validation, I request verification of the debt and the method used for verification. Please specify how IC Systems determined this debt belongs to me.

XXXX. Request for Contract and Licensing Information Furthermore, I request a coyp of the original agreement or trilateral contract between IC Systems and the original creditor. I also request proof that IC Systems is licensed and bonded, as required by 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and 15 U.S.C. 1681s-2 ( 7 ) ( a ). 
XXXX Lack of Proper Notification I am unaware of receiving any prior notification regarding this alleged debt. If you believe proper notification was provided, please furnish a copy of the certified receipt with my signature confirmin delivery. 
XXXX. Response Request I request a written response to this complaint within 15 days of receipt. Your silence on this matter will be considered acquiescence to my demands. 
Thank you for you time and attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures ( ID and Proof of address )
Product: Credit reporting or other personal consumer reports

Apparently, XXXXXXXX XXXX  charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.
Product: Credit reporting or other personal consumer reports

I am in the process of closing on a home and was notified that Carmax Auto Finance reported I was late making my auto payment for the month of XX/XX/year>. I refinanced my loan and the new auto company paid the auto loan in full on XX/XX/year>. My credit score was impacted causing me to no longer qualify for the loan and I have called Carmax on XX/XX/scrub>XXXX XXXXXX/XX/year> and XX/XX/year>XXXX  and have spoken to numerous departments and they refuse to send me a document advising the XXXX payment was reported in error so I can provide it to the mortgage underwriters to honor my credit score while waiting on the corrections to be applied to my credit report since they advised it can take up to 60 days for the corrections to be applied. Ive expressed this is a time sensitive issue and the seller is backing out if I am not ready to close and begged for the letter since they have faxed me other documents that dont show the info I need and they keep advising its nothing more they can do.
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 : 1. XXXX XXXX . Account number : XXXX 2. XXXX XXXX XXXX. Account number : XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. Someone enrolled in college in my name and used my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove this account from my credit report, I never had an account with them.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX