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

I have been disputing these Inaccurate unverifiable accounts 1. ) XXXX XXXX XXXX ACCT # XXXX 2. ) XXXX XXXX XXXX XXXX ACCT # XXXX might I add this are inaccurate and incomplete account numbers displayed on my reports which is a federal law violation of 1515 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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. 

with the credit agencies for months now and they are violating my privacy rights. 15 usc 1681b Permissible purposes of consumer reports i never gave the company authorization to report this on my report and i am the original creditor. 15 U.S. Code 1602 - Definitions and rules of construction section ( G ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. This is a violation of federal law and a breach of my privacy rights it must be removed immediately or I will seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

In XXXX of XXXX I contacted Credit Acceptance and ask for them to send my all my documents concerning information reporting on my credit. Also in XXXX of XXXX I received copies of electronic of documents I didnt sign at all. I called credit acceptance and told them on XX/XX/XXXX that there is a forged signature on the documents that in fact the signature on the documents was copied from another paper that was signed. I was told that I would have to wait 3 days to hear back from them. On XX/XX/XXXX I received a called and was told to give my signature to them through an email so they could do an investigation. I sent over all my documents and informed them that the signature on the alleged documents on file was forged I said it is mines but I didnt sign it. Someone placed my name on the documents. I told them that none of my signature are the same at all in for two signature to be identical leads me to believe that it was forged. They said they will run an investigation and it could take a long time. No later than 15 to 20 mins I was told that the investigation was done and that they cant prove that this is false. I asked them how did they come up with the determination. They told me because none of my signature are consistent and because nobody signature is consistent thats how they came up with the decision. I told them well do you guys have a signature expert they tell me no they dont. To take it further I spoke to a higher manager who told me because I have one peace of evidence that it doesnt require a investigation and do I know what this would look like on there end. She also asked me why did I take so long to say something seeing I had this contract from XXXX. I told her I just so happen to see it once the information was sent to me by them I explained more to the lady that if she looks at the paper and evidence I sent she can see that two signature are identical. That none of my signature are the same and she said she not going to investigate any claim just because of one piece of evidence. They lady say I was paying on a vehicle for a whole year before they took it. This whole account was done in a fraudulent way the dealership is no longer open and is permanently closed at that. The dealership placed in fact that I put down {$3500.00} when I only gave them {$200.00}. This issues with credit acceptance has been ongoing. Before the vehicle was repossessed they told me to make a payment Ive made one then they repo the vehicle right after the payment was made.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and found several items on there to be inaccurate.

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

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In ge
neral if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the infoermation is foubd to be inaccurate or incomplete or can not ber verified, the consumer reporeting agency shall -- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropiuate based on the results of the reinvestigation; and ( ii ) promptly noyify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items freom my credit report, immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have paid a bill in full have receipt and still receiving minimum payment notices.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of having to contact them to no use. Should there be any updates on my inquiries, i'm going to court.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about 16 inquiries thats fraudulent on my report and needs to be removed.Ive contacted the bureaus equifac and XXXX they are telling me to contact the lenders and I dont even know these lenders And also I have sent several dispute letter when it comes to the collection accounts thats on my report they all unauthorized as well and needs to be removed from my report
Product: Debt collection

My account was sent to an attorney for past due assessments while i was trying to obtain a loan modification with the bank. It is still in collections but its now a collection agency thats charging me fees and interest every month even though I am making payments every month. I believe that the fees are excessive. Ive complained and they say its the HOA thats charging. I believe that there collection fees are too excessive and Im being threatened with foreclosure by the agency if Im late. I was sent a copy of all the fees and Ive already paid almost {$XXXX} in fees my past due assessments are {$XXXX} and the collection cost and interest and late fees are {$XXXX} at this rate Im never going to pay it off.. please help
Product: Debt collection

On XX/XX/2021 at XXXX XXXX, an email was sent to my husbands EX wife about my account. Below is a copy and paste of the email that went out. It is already hard enough dealing with my husbands ex, but to also give her information that I have an unpaid bill and steps to access the account is so wrong. 

I have contacted the company and they state they were given his ex 's email. I know for a fact we did not give that information. I have also called the original creditor to find out what email they have, and the only one they have is my email. The one they are supposed to have.

This collection company stated they have only had this for two days. Well, 1 day ago is when it went to my husbands ex. 

Please advise on what steps I need to take next. 

Email from the collection agency is copied and pasted below. 

Thank you, XXXX XXXX. 
XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Wed, XX/XX/2021 at XXXX PM Subject : XXXX, here 's what you need to know. 
To : XXXX Unsubscribe if you don't want to receive emails from us. 
This important message is for XXXX XXXX. If you are not this person please delete this email. 

Here 's what you need to know to take the next step XXXX. 
Your account ending in XXXX was sold by XXXX XXXX XXXX on XX/XX/2021 due to unpaid status. The new account owner is LVNV Funding LLC. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, XXXX XXXX XXXX. 
So, what is the next step? 

Let 's get you started on an affordable payment plan! XXXX offers customers the option to view account details like your original creditor and current account owner and make payment arrangements online at portal.resurgent.com. 

Prefer to discuss in person? Our knowledgeable Customer Care Team is available to answer any questions. Use the buttons below to take the next step.

I want to handle this online I want to talk to a person Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nun # ), has violated several of my rights. 
XXXX5 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Experian concerning a public record ( US Bankruptcy Court XXXX, TN : # XXXX ) thats being reported in error, incorrectly, invalidated, and not properly verified. I requested that this information be deleted from my consumer report. On XX/XX/2023 Experian responded ( report # XXXX ) stating that this item was verified by the " Company '' ( US Bankruptcy Court XXXX XXXX TN ) reporting that the information being furnished had been verified and certified by the " company '' to be accurate. This is false and also untruthful information being reported. I spoke with the courts of The US Bankruptcy Court of XXXX, Tennessee directly and verified to me that they do not and has not verify or furnish any court proceeding nor filing ( s ), discharges, or dismissal ( s ) to any of the major national credit bureaus ( Experian, XXXX, XXXX ). Meaning that Experian either lied on The United States Bankruptcy Courts or lied about verifying this information being reported. Either way this is a violation of state and federal laws including FCRA laws such as 15 U.S. Code 1681i ( 5 ) and several more. It's also an address ( XXXX XXXX XXXX XXXX XXXX XXXX  ) associated with this bankruptcy that I'm not associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently submitted disputes to all XXXX of the major credit agencies in hopes of cleaning up errors on my credit report. I own a XXXX company that I literally jumped in and grew with no help, just hard work and determination. Ive recently started having problems with getting better contracts and clearances because of the items being reported on my credit report. With the help of the internet Ive learned how to properly communicate with the credit agencies in order to get these items removed. Experian has notified me that they will no longer work on my disputes because they didnt think it was me writing the letters in spite of me including identifying items like my drivers license and mail with my current address. What is it about me that would make them assume that it was not me? Was it because my photo identifies me as an XXXX American man? Are they suspicious of me because of my hair or the way I look in my photo that Im not intelligent enough to fight for the rights the The Fair Credit Reporting Act gives me as a consumer? Considering they dont know me, what other reason can it be other than XXXX? Whatever the reason, I'm highly offended that by taking action to improve my credit report that they would try to hinder me in this way. The things they report about me are required to be done with great accuracy. Their reporting has a direct impact on how I pay my bills and feed my family. Not investigating my dispute after Ive notified them of errors is a direct violation of The Fair Credit Reporting Act. I have been researching and I know that this violation is a fineable offense and I am not above taking legal action next. Im filing this complaint to put on record as notice to this organization and others of their XXXX tactics designed to stop minorities from improving their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to access my account. Unable to reset password. Spent 45 minutes on hold. The representative would not verify my account. The information requested was directly form the credit card or bank account. Asked ridiculous questions about prior loans or balances that no one would be able to answer as they were so vague or open ended. Representative 's English was poor and almost unable to understand her. My data was reportedly involved in THEIR breach and then they treat me this way. Shameful.
Product: Credit card or prepaid card

someone open credit card my my name i didnt open any card with sallie Mae. so I tried to dispute with sallie Mae by sending police reported. they never remove the account out of my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$5700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt or credit management

We were misled/misinformed about a timeshare when we bought it XXXX of XXXX. Called about cancelling and was told to resell. But would have to continue mortgage and maintenance fees. Made many phone calls even corporate and always lead to a dead end. Went back many times to discuss with a manager to give back and/or cancel contract back in XX/XX/XXXX and XX/XX/XXXX. Both times they gave phone numbers to call but we've already called those same numbers. Again, they can't help us
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this FTC Report over to these Companies a on XX/XX/22 I havent heard anything yet
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts and inquiries below have violated my Federally protected consumer rights to privacy and confidentiality. Under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX Acct : # XXXX Amount : {$8500.00}, XXXX XXXX  Acct : # XXXX Amount : {$400.00}, XXXX XXXX Acct : # XXXX amount : {$300.00}, XXXX XXXX XXXX Acct : # XXXX Amount : {$4400.00}, XXXX XXXX XXXX Acct XXXX # XXXX Amount : {$8900.00}, XXXX XXXX Acct : # XXXX Amount : {$2500.00}, XXXX XXXX Acct : # XXXX Amount : {$170.00}, XXXX XXXX Acct : # XXXX  Amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 623 of the FCRA and Regulation V that a creditors must not furnish, inaccurate information to the CRA these accounts was never investigated to confirm accuracy of the above accounts. After reviewing my credit reports it is fact that under 15 U.S.C. 1681 ( a ). Prohibits the furnishing of inaccurate information.