23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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 Dear Sir, XXXX, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states, " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also XXXX XXXX XXXX states that A consumer XXXX exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XXXX the Privacy Act of XXXX, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by XXXX agencies. 
XXXX XXXX XXXX XXXX - XXXX liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
XXXX Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. 
XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
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 update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive downloaded my annual credit reports and find inaccuracy in your reporting. You are obligated by the law to report accurate information in my credit reports. Because you are not reporting it's accurate I am asking to remove this totally incorrect account. I attached part of all three reports so you can find your mistakes and delete an account. There are mistakes because I found a letter from the bank with explanations about this account.
Product: Consumer Loan

On XX/XX/2016, I received a credit monitoring alert from XXXX. Upon investigating the alert, I found a collection account had been added to my credit report from a company named Midwest Recovery Systems, LLC, located at XXXX, XXXX, XXXX XXXX, with phone number ( XXXX ) XXXX. The original creditor was listed as XXXX. I have never heard of either company nor done business with either one. Neither one contacted me prior to this, so I never had the opportunity to request validation of debt. They are in serious violation with the FDCPA. My intent, if this is not resolved ASAP, is to file a lawsuit in the United States Federal Court of XXXX.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft and fraud. My information was stolen and used to apply for credit. As a result a fraudulent credit card and inquiries appear on my credit report. The account is XXXX XXXX XXXXXXXX ( XXXX ) in the amount of {$10000.00}. There are fraudulent credit inquires which are : 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

I contacted this company by phone and email on XX/XX/20 around XXXX. They are reporting inaccurate information which is reporting inaccurately on the credit bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of yesterday the following accounts on my Transunion credit report were listed as " closed '' which they had been for years! Today they were changed to " open '' and " installment '' which they are not because they are closed!! 

XXXX XXXX XXXXXXXX was changed from closed to open ( which it is closed ) XXXXXXXX XXXX XXXX XXXX was changed from closed to open ( which it is closed ) XXXX XXXX was changed from closed to open ( which it is closed ) XXXX XXXX was changed from closed to open ( which it is closed ) XXXX was changed from closed to open ( which it is closed ) This is a direct violation of the FCRA and a violation of my credit rights as a consumer! These items need to be deleted from my credit report as active open accounts immediately!!
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX
Product: Debt collection

I was recently contacted by Portfolio Recovery Associates regarding a debt they purchased from XXXX XXXX in XX/XX/XXXX. The debt they purchased was due to fraudulent charges and accumulated fees. I had numerous conversations with XXXX  XXXX about resolving the matter regarding the fraudulent charges and they never followed through. The last payment XX/XX/XXXX to XXXX XXXX was a good faith payment to keep the account open and for them to finish the fraud investigation which never occurred. As noted, PRA acquired this back in XXXX but I did not hear from them until XX/XX/XXXX. They attempted to settle the debt but I had XXXX balance prior to the fraud charges that went unsettled with XXXX XXXX. I requested itemized statements that validate the balance which would show as disputed on XXXX XXXX  side. I did not receive the itemized statements, instead I received XXXX statement of the total balance and accrued fees/ interest. They have failed to work with XXXX XXXX to procure the necessary information regarding my fraud dispute to dismiss this collection. PRA has not added this to my credit report as of yet but they have been threatening to do so even though they have not properly validated any of the debt nor the account.
Product: Consumer Loan

I sign up for this loan XXXX unaware of call loans and terms. This company completely took advantage of me, number the car was voluntarily given up although not noted on my credit report. In conjunction the amount is not correct at all as the car was almost paid off! This company is a complete rip off who takes advantage of customers with less than satisfactory credit!
Product: Debt collection

I am writing in reference to the debt you are attempting to collect from me, identified by account number I am exercising my rights under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which states that a consumer may request that a debt collector cease communication. I hereby request that you cease all further communications with me regarding this debt. 

Please take note of the following : 1. I am requesting that you immediately stop all communications with me regarding this matter, including phone calls, letters, and any other means of contact.

2. You may only contact me under the following circumstances as permitted by law : To inform me that you are ceasing efforts to collect the debt.

To notify me of specific actions that are being taken in relation to the debt, such as filing a lawsuit, if applicable. 
3. If you choose to ignore this request and continue contacting me, I will consider it a violation of the FDCPA, and I will pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking other legal action.
Product: Debt collection

In XXXX I sent FNBO a bill of exchange to settle my credit card account. They responded after 60 days and said they couldn't be accepted because they only take US Dollars, which is against public policy. HJR 192 states one can not determine what form of currency that they receive. FNBO has since closed my account and are saying I owe a debt which they've admitted that they received.
Product: Credit reporting

I am filing this complain because experian has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You
Product: Debt collection

XXXX calls for wrong person I wash them To stop and they call back under a different number
Product: Vehicle loan or lease

I have disputed Toyota financial off of my credit report multiple times and they still have not taken it off. It has almost been on my credit for seven years and the amount due is not correct. I have spoken with the IRS and toyota filed a XXXX for in the amount of {$3000.00} back in XXXX which is a cancellation of debt which by law means the debt is forgiven. i wa=ant this removed, it is affecting my ability to buy another house, or get a car in my name. I spoke with XXXX ID # SIXW over at toyota who claims there was no form filed with the IRS, but when i speak to them they said it was filed back in XX/XX/XXXX and are mailing me proof of this XXXX form as well.
Product: Vehicle loan or lease

When loan was negotiated to be settled, it was done with a balance that miraculously took a {$1300.00} dive shortly after negotiations were done. Now, since Santander doesn't seem to have the ethical fortitude to reach out n revise the settlement based on the money they received for a policy that should've been refunded over a year ago, I am stating the current settlement agreement is fraudulent as it wasn't renegotiated once santander put the {$1300.00} as well be shown by the acct screen shot attached ( which will show this transaction was done 4 months n 8 days prior to the attached settlement date )
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of fraudulent information from my credit report. The disputed items were not authorized by me and are the result of identity theft or inaccuracies that XXXX has failed to address despite its legal obligation under the Fair Credit Reporting Act ( FCRA ) These items were opened or reported without my authorization. I have previously notified XXXX of this matter and provided supporting documentation, but the erroneous entries remain, causing undue harm to my financial well-being. 



Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) Upon receiving a dispute, XXXX is required to investigate and remove unverifiable or fraudulent information. Your failure to take corrective action violates this provision. 

2. Reporting Inaccurate Information ( FCRA 607 ( b ) ) Credit reporting agencies are required to maintain maximum accuracy in the information they report. The continued presence of fraudulent accounts on my credit file demonstrates a failure to meet this obligation.

3. Failure to Correct or Delete Fraudulent Entries ( FCRA 611 ( a ) ( 5 ) ( A ) ) If an item can not be verified as accurate, XXXX must delete it within 30 days of receiving the dispute. By failing to remove these fraudulent entries, XXXX has breached its legal responsibilities.
Product: Vehicle loan or lease

I financed XXXX XXXX XXXX XXXX through Ally. On XX/XX/XXXX the vehicle was involved in a accident that resulted in total loss. Ally was contacted by XXXX claims department and was payed {$14000.00} issued on XX/XX/XXXX. When I originally purchased the car, I also purchased GAP insurance. I first contacted Ally on XX/XX/XXXX when I started getting phone calls from XXXX XXXX XXXX in confusion when payment was received. I spoke with a Ally rep named XXXX who said " your account was coded wrong this should have been coded for total loss but instead it was coded collections. '' I have made several attempts by phone to get my GAP information so I can file my GAP claim to cover the remainder amount {$830.00} of the loan. No one at Ally including supervisor are of any assistance. I am always being told that no one can access my file to get the paperwork needed. Every time I call, I am forwarded to the collections department. Ally has falsely reported the account to collections which this has reported negativity on all 3 credit bureaus and no one is able to help me get the information I need to start Gap insurance process. I am constantly receiving collection calls from XXXX XXXX at XXXX XXXX XXXX. XXXX and I have discussed the paperwork I needed. XXXX said that he requested the paperwork from Ally, but that a lie. All I am requesting is this to be removed off my credit and the information needed to submit the GAP claim.
Product: Debt collection

A debt collection for a repo of {$8000.00} from XXXX XXXX XXXX was deleted and removed from my credit report in XX/XX/2019. This collection agency then sold the collection account to Jefferson Capital Systems which was re inserted into my credit report stating that the account was opened on XX/XX/2019 and was reported on XX/XX/2019 to all 3 credit bureaus. I am working with a credit repair company XXXX XXXX  who is disputing this and requesting for it to be deleted from XXXX, XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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

On XX/XX/2022 it shows on my credit report a SYNCB/DSGI DUAL CARD did a inquiry into my credit report. This is completely false and I have given no authorization to do so. I have been working this whole year on building my credit to be able to buy a house next year so I purposely am not applying for any new credit on anything because I know it requires for your credit report to be pulled which brings your credit score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are charged-off accounts being reported on my credit report after I've sent several written letters, most recently on XX/XX/2023, asking that the charged off accounts be deleted entirely from my Credit Report. 

As detailed by the IRS via www.irs.gov- a creditor files a form 1099c ( Cancellation of Debt ) when they charge off a debt greater than {$600.00}. When debt is written off by a creditor, the form 1099c classifies the written off debt as taxable income of the debtor. Thus, these charged off accounts have been added to my taxable income and I have paid taxes on said income. As a result, the 4 charged off accounts on my credit report must be deleted entirely, as they are inaccurately reporting these accounts on my consumer report. 

I have written to the Creditor asking that they provide me with a copy of the 1099c forms for each charge off on my credit report, so that I can forward it to the three Credit Bureaus as proof of the written off amounts being taxable income and I have forwarded the corresponding information to XXXX, Transunion and XXXX, to no avail. I have followed up in writing to the 3 Credit Bureaus and the continue to update it as accurate. My consumer rights are being violated, as they are inaccurately reporting information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XXXX of 2020, I have tried calling the student loan lenders to advise them I should not have or show any late payments on my account, I have disputed this several times, even to the point where I had to switch lenders because they was not properly handling my account and reporting inaccurate information to the credit bureaus. My credit report shows inconsistent information, XXXX late payments reporting all with the same account number. I do not have XXXX loans with the exact same account number which is another huge error on their part.
Product: Debt collection

I am behind on my motorcycle payment, and understand that money is owed. I have spoken to them informing them to my situation and they continue to make 5-7 calls per day often one after another. I have no problem with daily calls as they are attempting to collect money that I owe them, however the volume of calls is straight on harassment. While I do admit that I owe them money they are violating FDCPA guidelines and it needs to be corrected.
Product: Credit card

American express shut my card down because they said i had a return payment when i did n't, when in fact they talked to my bank and cleared it up, approved a transaction then stopped it.kept calling my back to see if funds would clear and got a yes each time
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. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights according to the fair credit reporting act. 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 according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 

( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) 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 ; according to 15 USC 1681s-2 they are not supposed to 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 or unverifiable.15 U.S.C. 1681B ( 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXXcredit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX  on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The New York Community Bank have stated my due dates were the XXXX of every month. Due to my daughter being ill I spoke with them having finacial problems yet they did not waive any of the fees. Though during these hardships, I have even accepted the late fees during the covid times and paid it off. I was late XXXX month ( the month of XXXX ) and proceeded the payment on XX/XX/XXXX and from XX/XX/2022 I recieved a notification from XXXX saying my credit got deducted XXXX points. 
I called the customer service of New York Community Bank on XX/XX/2022 from XXXX to XXXX and they hung up on me twice. Once for no reason and second, saying the credit services were closed and could not do anything to help. We asked when they would call us and if they could call us tomorrow and the representative stated that they could not guarantee us a call back tomorrow or within this week.