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

XXXX XXXX reported to credit agencies that I was late on my final payment of {$540.00} for lease account # XXXX. 

I did not fail to make these payments. The DEALER failed to make these payments. Please see the attached default letter in which the sales manager at XXXX XXXX XXXX XXXX XXXX writes : Please recognize this default letter as an effort to correct or remove any delinquent information on account number : XXXX, Mr. XXXX XXXX. 

Mr. XXXX grounded his lease in XXXX, fully understanding he would not be responsible for his last two payments in the amount of {$540.00}. He turned in his lease vehicle on the XXXX of XX/XX/2021. 

I failed to process the necessary documents through our accounting department, which caused the delay in paying off the lease. Attached you will find a copy of the payoff check that has been sent to settle the account. Please contact me in the event there is additional information needed to correct this account. 

My efforts to resolve this directly with XXXX XXXX failed. Ten phone calls over a three-month period led me to an " accounts '' department that was reportedly obligated to respond to my written compliant within 30 days. They did not respond within 30 days. Therefore I am escalating my complaint with the CFPB. 

When XXXX customers are in the process of leasing a new vehicle, the dealer and XXXX XXXX present a united front. That united front should continue even when the dealer makes a mistake like this. 

Because I assumed as much, my credit score dropped from " Very Good '' to " Fair ''. I feel penalized for having faith in XXXX XXXX 's business processes. They need to make this right and rescind the information they provided to credit agencies.
Product: Debt collection

This DEBT was paid to XXXX XXXX and the collections agency is falsely reporting that the debt is late or outstanding.
Product: Credit reporting or other personal consumer reports

According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNTS YOU POST ONA A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRADULENT ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX ACCOUNT LISTED UNDER INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15USC1681 SECTION 602 ( A ) STATES I HAVE A RIGHT TO PRIVACY.

15USC1681 SECTION 604 ( A ) STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

I DEMAND THAT YOU REMOVE ALL THE ABOVE ACCOUNTS FROM MY CREDIT PROFILE IMMEDIATELY AND THE CREDIT FILE BE UPDATED. 

***PLEASE REMOVE ALL NON ACCOUNT HOLDING INQUIRIES. 


THANK YOU, YOUR NAME : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Delete this account for inaccuracy, because the date the account XXXX was opened for XXXX XXXX  is reporting XXXX different inaccurate dates, XX/XX/2018 and XX/XX/2018. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, and 12 CFR 1016.7
Product: Debt collection

XXXX, and their debt collection agency, Southwest Credit, are attempting to collect a debt that I do not owe. 
In XXXX of 2019 I moved from XXXX XXXX XXXX, XXXX, PA to a new address of XXXX XXXX XXXX, XXXX, PA. I called XXXX and notified them that I was moving and that they were to discontinue service at the old address and start it at my new address. 
Over a year later, I received a letter from a collection agency, Southwest Credit. They advised that XXXX was owed {$790.00} for service at my former address. The time period for the service charges were for the period of time after I had moved. There were no outstanding charges to XXXX at the time of my move. I notified both XXXX  and Southwest Credit that I do not owe the debt and XXXX  and/or Southwest Credit have continued to call me. I have also provided them with a statement signed by both myself and the current residence of XXXX XXXX XXXX attesting to the foregoing facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to XXXX XXXX XXXX Ref # XXXX. This cease-and-desist letter was in reference to the letter that I received from XXXX XXXX XXXX dated XX/XX/2022. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and Equifax. 

I also sent copies of these letters to XXXX, XXXX and Equifax via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and Equifax have continued to report this inaccurate and false information. 

Equifax have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

I am disputing a charge-off that is being reported by Spring Oaks Capital LLC on my credit report. This account was originally opened with XXXX XXXX XXXX on XX/XX/year>XXXX  and was later sold to Spring Oaks Capital LLC. The account is listed as closed, with a {$670.00} charge-off, but the balance is also reported as {$0.00}, which is inconsistent and inaccurate. 

I have not been provided any validation of the debt, including a copy of the original contract or proof of assignment, despite my request. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, Spring Oaks Capital LLC is required to validate the debt, but they have failed to provide this information.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, they are required to report accurate information. The inconsistent reporting of this charge-off is damaging my credit score, and I am requesting that it be removed immediately.

I am attaching a formal dispute letter that I have already prepared, which includes additional legal citations and further details.

Please investigate this matter and ensure that Spring Oaks Capital LLC either verifies the debt in full compliance with the law or removes the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The following credit accounts and collection account currently listed and showing on my XXXX and Equifax credit report is showing an incorrect balance on the account : XXXX XXXX XXXX XXXX {$760.00}XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$130.00}, and XXXX XXXX XXXX : XXXX, {$370.00}XXXX XXXX XXXX XXXX XXXX  {$360.00}. The accounts are all paid in full. The following credit inquiries listed on my XXXX and Equifax credit report are fraudulent and unauthorized credit inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE 6inquiries These lenders have accessed your credit file : XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

My car was in an accident on XX/XX/2023. The car was totaled. The insurance from State Farm fully paid off the vehicle. The excess of insurance was kept by US Bank loan number XXXX. As US Bank received the full amount due under the lease, the overage should have been refunded. It was not. US Bank claimed the leasing contract provided for it to keep any overage. As the overage was due to my generous insurance policy, the overage should have been refunded to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I permanently opted out of promotional/prescreened/preapproved inquiry access to my consumer reports with Equifax, XXXX, XXXX, and XXXX in 2017. Proof of this opt-out is certified mail return receipt. 

Even though I opted out, Equifax has continued to allow promotional inquiries by XXXX XXXX, in violation of my permanent opt-out. 

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

Someone use my credit information to obtain an auto loan as well as personal credit cards. I disputed the information with the credit bureaus the some items still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

This communication is in reference to the incorrect personal information reporting on my Experian account. As a result of the reported identity theft several incorrect names have been reported and accounts. Ive included this information in the attached documents and I would like you to removed the incorrect names and variations listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Product: Debt collection

I do not have a contractual agreement with Account Resolution Service ( ARS ) they have the following accounts # XXXX, # XXXX, # XXXX, # XXXX These account are in violation of HIPPA ACT .I had previously disputed this account. I have never done business with XXXX to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX and I believe it is a HIPPA Act violation. I request that XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BANK OF AMERICA XXXX
Product: Checking or savings account

I recently received two letters from citibank regarding a checking and a savings account in my name that had been apparently abandoned. The letter stated that the money would be returned to my state 's attorney general 's office unless I reclaimed the accounts by XX/XX/year>. So I sent in the info and reclaimed the accounts. Now citibank won't let me access the accounts because I don't have the full account numbers which weren't on the letters they sent me. They tell me I need either the debit card or bank account number, neither of which I have. Obviously if I had a debit card for the account, I wouldn't be contacting them. Their solution was either to go to the nearest citibank branch which is 8 hours away, which is not possible or to have a notarized, certified letter sent with my personal information on it sent to their location in Texas. Neither one of these are good options.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Office Of The Atty Gener : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXXXXXX XXXX  : Account # XXXX XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX : Account # XXXX 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 then 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

identity theft ... ive been XXXX  in XXXX since appx XXXX  and yet still get credit opened falsely in my name in USA and XXXX ...... please not all my credit info was taken by XXXX and XXXX,,,,, ,my property, money, I.Ds and how can i complain if i dont have a usa address ... XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX how can i live survive without credit? what did XXXX do? i am not let to get an anual report free... i am a us XXXX honoribly discharged combat XXXX XXXX  please help my email is XXXX XXXX