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

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} ; XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/year>, my vehicle became a total loss, and I submitted a claim through my GAP provider, XXXX ( also known as XXXX  ), as per the terms of my financing agreement with Honda Financial. Unfortunately, XXXX failed to meet the required payment obligations. They claimed my insurance company had undervalued my vehicle, which left an outstanding balance of {$5900.00} that was charged off on my credit report.

I attempted to resolve the issue by appealing XXXX XXXX decision multiple times via email on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite my efforts, I was unable to get this resolved, and the claim remained unsettled.

In addition to this, I was charged {$1200.00} for GAP coverage under my contract with Honda Financial, which I find excessive considering XXXX failure to resolve the issue in a timely manner. 

On XX/XX/year>, I contacted XXXX XXXX ( my dealer ) to escalate the issue, as it was severely impacting my credit and personal life. On XX/XX/year>, XXXX, the manager at XXXX XXXX, informed me that GAP would cover more of the loan. However, it took eight months for XXXX to finally pay an additional {$3700.00}. By that time, the damage to my credit and financial situation had already occurred.

I request that this account be removed from my credit report, as the outstanding balance was due to the failure of my GAP provider, and I made every effort to resolve the situation.
Product: Prepaid card

ADDITIONAL COMMENTS Apart of the claim was just paid on XXXX please address me in the facts both claims were submitted on the same day, claim amount XXXX and XXXX the XXXX was just paid out. Please explain why they spilt up my claim in the first place. How did they pick and chose what transactions they would approve, My roommate did them all I explained that while filling the complaint.
Product: Credit reporting

Did file a dispute with equifax. XXXX believe was confirmation. I disputed XXXX as we agreed the account was settled. They reported paid collection. My credit monitoring showed the item being deleted and then re inserted with different information. The problem is they never notified me within FCRA laws of 5 days. I asked for deletion and they are disputing they said.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request
Product: Vehicle loan or lease

I have an auto loan with USAA Federal Savings bank. The 2012 XXXX XXXX struck a deer last Friday. XXXX XXXX told me I had to let them tow my truck to XXXX XXXX in XXXX, KY, because the adjusters want to look at several vehicles at the same time. For cost savings. XXXX XXXX insurance contacted me with the results. They deemed my truck as a total loss. XXXX XXXX states in the email that I only have 2 days to send them my truck title. I asked the claims representative with XXXX XXXX, what the cost was for myself to buy back my truck. I was told that it would cost me XXXX to buy my truck back and it had XXXX in damages. That's impossible if you do the math. XXXX XXXX must have contacted my bank without my permission to get details on the current payoff of my vehicle loan. XXXX XXXX came up with the payoff value within 1 monthly payment. I also paid for " Better Car Replacement ''. XXXXXXXX XXXX basically figured out my loan payoff and ran the numbers to come out an estimated XXXX after they applied the better car replacement. They under valued the 1 year newer vehicle. and basically are ripping me off a several XXXX dollars. How can they say my current truck is valued at estimated XXXX with XXXX in damages then tell me I have to pay XXXX to buy it back. With the current vehicle value at estimated XXXX. The buy back cost should at an estimation of XXXX not XXXX the truck actually has about XXXX in damage. Its not totaled. Someone is taking advantage of me and my pristine truck with fully loaded. The next problem I am running into, is I found a replacement vehicle 2 years newer for sale a few XXXX cheaper than the XXXX  model that was deemed total loss. XXXX XXXX claims representative told me on the phone that he would immediately contact usaa so that I could purchase the replacement vehicle without having XXXX trucks on my loan valuation. Meaning, the totaled truck that XXXX XXXX is supposed to be paying off would not show up on my credit report or cause a problem with the banks scoring of my new auto loan. I explained in detail with the loan officer. The loan officer at USAA did not consider that my total loss vehicle was being paid off, and pre approved a loan with over 17 % interest rate. USAA used the information that I provided to them, not to give me sound solid advice about how or what to do about financing a vehicle when I need a vehicle to drive since XXXX XXXX took my truck to salvage yard, but instead USAA decided to take advantage of my situation and is trying to rip me off with an outrageous interest rate and loan terms. They are predatory lenders. A fair interest rate would be at 6.9 % for 72 months if they where actually honest in anyway what soever. XXXX XXXX should pay off the full balance of the loan for the total loss vehicle, plus the difference in value for 1 year newer vehicle of the identicle make and model.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online, I was able to get a glimpse of my TransUnion credit report. The personal information is outdated and false. I tried to login to TransUnion to dispute it, and was unable to login, repeatedly. Eventually, I was told that I must create a new account since I haven't been logging in regularly to TransUnion. ( I have a life, so why would I want to be logging into regularly to TransUnion? ) I tried to create a new account. I was immediately told NO, that username is taken. ( That's my username. ) I then tried to use my email address as my username. Again, I was told NO, that username is taken. It is my username and my email address, but I am not allowed to use it. Then, in frustration and desperation, I created a brand new username, and I was told NO, we can not process your request, you must call this phone number. When I call, I am given a long speech by their voice message system saying to get online, and then the call disconnects. 

My complaint is that TransUnion has got their entire software system and human resources department configured to push me out, upset my life, and waste my precious time.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to dispute inaccurate information reported by Equifax regarding the account XXXX. Upon review, I identified several errors that violate the Fair Credit Reporting Act ( FCRA ). 

Discrepancies Identified : Implausible High Balance : Reported as {$83.00}, which does not align with typical account activities or credit limits. 

Missing Closed Date : The account is marked as " Closed, '' but no closure date is provided. 

Undefined Account Type : The account type is not specified, which limits verifiability. 

Erroneous Payment History : 15 instances of 90 days late reported, which is implausible given the timeline. 

Conflicting Creditor Remarks : Remarks state both " Charged off account '' and " Accounts closed by credit grantor '' without explanation. 

Balance Owed Conflict : {$83.00} balance owed conflicts with the charged-off status. 

These errors violate multiple FCRA provisions, including 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ), which mandate accurate, verifiable, and consistent reporting. 

[ XXXX XXXX ] XX/XX/scrub>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been frustrated to contact with the Experian at XXXX XXXX XXXX during robocalls since XXXX. I am tired of the hard working to get a living relay to help the understand communication access when the robocalls keep circle or restrict limited communication. I am not interested to report security freeze. I rather report to the fraud department that someone theft my identity person. That's unacceptable very serious.
Product: Credit reporting

Equifax shows charge off as status every month for 24 months. Should only report as charge-off for 1 month.
Product: Credit card or prepaid card

All my American Express Membership Rewards points ( XXXX ) were frozen, I can not use or transfer any of them.

It is tough to imagine paying $ XXXX+XXXX   annually to keep cards with frozen points particularly after a freeze prevents me from getting an award ticket.
Product: Debt collection

XXXX XXXX XXXX is violating federal law XXXX5 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

Again this is not a duplicate complaint as I do not recognize the hard inquire on my reports as being legitimate and therefore it is a fraudulent inquire made by Quicken loan as they continue to exploit the spirit of the Fair Credit Reporting Act ( FCRA ). My complaint is factual as I never submitted a loan application, I never showed or implied interest in any of their loan products. I have not received any documentation from Quicken Loan that supports their position or justifies their over reach into my credit report and since Quicken Loan continues to try and brush me off I'm in the process of proceeding to the next level of my commitment in seeking justice and will proceed with filing a civil lawsuit with my attorney seeking punitive damages. 

If Quicken Loan feels they have complied within the governance of the law then please provide me with the full address of Quicken loans corporate office so that my legal representation may take the next step necessary in looking to resolve this matter. 

Thank you
Product: Credit reporting or other personal consumer reports

Company XXXX XXXX XXXX XXXX is attempting to collect a debt in my name for XXXX XXXX XXXX alarm system. I am in. O way familiar with this debt nor is this debt mine. Furthermore XXXX IS NOT the original creditor. I do not know anything about XXXX... I have never authorized any business with Vivent Nor XXXX XXXX XXXX. I have opened a police report and this This account needs to be deleted.
Product: Credit reporting or other personal consumer reports

I am formally disputing the fraudulent and inaccurate accounts that continue to appear on my credit report. I have repeatedly requested that your agency conduct a fair and thorough investigation as required under the Fair Credit Reporting Act ( FCRA ), yet you have deliberately failed to do so. Your refusal to remove these fraudulent accounts, despite clear evidence of inaccuracies, is not only a violation of my consumer rights but also a knowing and willful act of fraud on your part. 

I have already taken the necessary steps to report these fraudulent accounts to the **Federal Trade Commission ( FTC ) ** and have filed an official complaint documenting your continued failure to investigate and correct these errors. Your agencys refusal to remove these fraudulent accounts while simultaneously profiting from data furnishers constitutes a blatant abuse of power and a direct violation of federal law.

Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies and data furnishers are required to ensure the accuracy and integrity of the information they report. However, the presence of these unauthorized accounts on my report demonstrates a failure to comply with these legal obligations. Specifically : 1. **FCRA Violation Unauthorized Furnishing of Information ( 1681b ) ** - The companies and credit bureaus have reported and shared my consumer information without my explicit consent or permissible purpose.

2. **FCRA Violation Failure to Maintain Accuracy ( 1681e ( b ) ) ** - The credit reporting agencies failed to follow reasonable procedures to ensure maximum possible accuracy, as they have included accounts that are not mine.

3. **FCRA Violation Failure to Investigate Disputed Information ( 1681i ) ** - If these errors are not promptly investigated and corrected, it will constitute a violation of my rights under this provision.

4. **FDCPA Violation Attempting to Collect a Debt Not Owed ( 1692e ) ** - If any of these unauthorized accounts are being pursued for collection, debt collectors may be violating laws against using false, deceptive, or misleading representations in connection with the collection of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Capital One on both of my cards, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate personal information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to request that only accurate, complete, and verifiable information be reported. The following names, addresses, and employers on my report are incorrect and must be removed immediately. 

XXXX. Incorrect Names to Remove : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX My correct and only legal name is XXXX XXXX. 

XXXX. Incorrect Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

3. Incorrect Employers to Remove : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX My  correct and only employer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Legal Basis for Removal : Per the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all reported information is accurate and verifiable. If any of the disputed information can not be verified, it must be deleted. I request that you immediately : Remove the inaccurate names, addresses, and employers from my report. 

Provide a written confirmation of these removals. 

If you choose not to remove any of these items, provide me with documented proof of verification, including the source of this information.
Product: Credit reporting or other personal consumer reports

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my XXXX, TransUnion, and XXXX bureaus. Not only are these accounts ILLEGAL, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Product: Checking or savings account

I made a deposit on XX/XX/2019 of $ {$460.00} and the teller made me the deposit for {$170.00}, something that is a mistake, the next day, Saturday I went to the bank, and told her that this was wrong, I asked him to look for the check for XXXX that I supposedly hand to her, but they couldn't give me that, because the check which I have in hand was for XXXX. When I went to the person who helped me that day, what she told me went to the bank again to see if her and see if had already solved this, the answer she gave me was, oh you are still aware of that, I was surprised with This answer is my money and work hard for it, I have to ask for this to be fixed and have the diferente of my money rent to me. 

She told me that if I was still aware of that, the teller named XXXX told me that she would look at the camera with the manager XXXX, but every time I go, they tell me something new, neither XXXX or XXXX have checked what happened with that deposit. I have been doing this for years, weekly, they know it, every day or the next day i get paid ... I take my check to deposit and withdraw what is available balance in the account.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$2400.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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.