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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my year of birth & address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate year of Birth : XXXX I Demand Deletion of all these inaccurate addresses : - XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NY XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 
1. My name is XXXX and should be spelled, FIRST NAME IS XXXX AND LAST NAME IS XXXX 2. My current address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX all reported incorrect information on my credit report. According to the Fair Credit Billing Act the credit agency must contact me ( call, write, e-mail ) within 5 business days before placing any negative items on my credit report. In them not doing so, it is a violation of compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX & XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

I have been unemployed due to COVID from XX/XX/XXXX to  current. On XX/XX/20 I logged onto my UI accounton the Georgia Department XXXX Labor website and saw that money was being added to my account for unemployment benefits on a Way2Go Debit card that I had not received. I checked and my card had been mailed to an old address ; therefore I never received it. I have now updated my mailing address on the XXXX website. However, there is not an option to have a new card mailed to me at my correct address. The number for the Way2Go debit card given to call to ask for a new card or submit an issue with a lost/stolen card, does not work. It says it does not recognize my account after I enter in my SS, birthdate, and correct pin. It then hangs up on me. I've called again three times today, XX/XX/20, and I still can not request a new card to be mailed to the correct address so I can receive my funds. The XX/XX/XXXX websiteon my account says that a total of {$6700.00} in benefits has been added to my account. Iam simply requesting that I get a new card mailed out to my correct address so I can receive my benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX ' XXXX. I have been a victim of fraud and identity theft. A cell phone account was open in my name without my permission. This account was open with XXXX. I was inform that i had to pay this is account off with a company name XXXX XXXX located in XXXX XXXX MN. that represented XXXX. I was inform i would have to pay this account off if i wanted it to be remove from my credit report. I paid XXXX on XX/XX/19. I would like this account remove from the 3 major credit report agency XXXX, Experian and XXXX. I have file a police report with the XXXX Police Department
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX To Whom It May Concern, This letter is in response to notices from your company and concerns raised by your erroneous reporting to the credit bureaus, negatively impacting my credit report. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, I dispute your claim, and I am seeking validation, not verification. 
I am not requesting proof of my mailing address but competent evidence of any legal obligation to pay you. Please provide : Details of the debt, specifying the amount owed. 
Explanation and breakdown of how the claimed amount was calculated. 
Copies of any agreements demonstrating my commitment to pay. 
Verification or a copy of any applicable judgment.

Identification of the original creditor. 
Confirmation that the statute of limitations has not expired. 
Proof of your license to collect in my state. 
Your license numbers and registered agent or agent of service. 
If your offices have reported validated information to any major credit bureaus ( XXXX, XXXX, or XXXX ), any negative mark found may result in legal action, including but not limited to violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and defamation of character. 
I request a minimum of 30 days to investigate the provided information. During this validation period, all collection activities must cease. 
Any detrimental action to my credit reports may result in legal action. 
If your company fails to respond to this validation request within 30 days, I demand the deletion of all references to this account from my credit report. A copy of this deletion should be sent to all three major credit bureaus immediately. 
I also request no telephone contact at my home or place of employment. Any attempts, including computer-generated calls or correspondence to third parties, will be considered harassment, leading to legal action. Future communications must be in writing and sent via USPS to the address in this letter. 
Ensure your records are accurate before legal action becomes necessary. This letter aims to correct records for the purpose of validation. 
Best regards, XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Amex, XXXX XXXX, and XXXX. The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit card

I currently have a PayPal credit account and have had it for several years now. As of XXXX 2016 i have been unable to use my credit account anywhere. There are no vendors that accept PayPal credit. The problem is : The account keeps wanting to convert the currency used into XXXX instead of XXXX. I have called in to paypal 7 times, reported this issue, submitted tickets and anything else i can do on my end for months. Basically they have told me since XXXX that i need to wait for their tech team to fix the issue, all the while i have not been able to use or spend the money available on my account.
Product: Debt collection

My rights as a federal protected consumer has been VIOLATED! FCRA 609 AND 605 as well as FCRA sec 623. On top of that also 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802 and 15 USC 1692g. It doesn't end there. I have requested EQUIFAX to provide original wet signature contract between Me and XXXX, also me given written instruction to furnish ANYTHING on my consumer report, which I never did and thats identity theft. Also EQUIFAX have late payments which VIOLATES my federal protected rights again 15 USC 1666b. I also requested proof of license to collect a debt in florida and that was not presented by EQUIFAX or XXXX XXXX XXXX, but yet EQUIFAX continues to furnish item on my consumer report. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORTING THIS TO THE FTC!!! 
XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I paid the account off as of XX/XX/year> and the closed the account as if XX/XX/XXXX. I then received an alert that my account was 30 day delinquent from the credit bureau. I called XXXX and they sent me a letter confirming closure of the account as of XX/XX/year> but that the credit update was correct however the 60 day delinquent was removed for XX/XX/year>. Then XX/XX/year> I received another alert again I called and they assured me the information was correct but my credit report again was cleared as the account was closed. The 30 day delinquent showed for XXXX only then it was showing closed and in good standing closed. Now XX/XX/year> I received another alert again reporting that the account is 60 days delinquent for XXXX. XXXX shows 30 days delinquent, XXXX and XX/XX/year> show in good standing but XX/XX/year> has a 60 day delinquent and they are attesting the information is correct although I have a letter showing the account has been closed effective XX/XX/year>. This is dramatically affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX  XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX  XXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Early 2020, I was affected by XXXX XXXX Pandemic. Lost job, home, and was living out of car. With no income, multiple accounts became deliquent/past due. Without a means to contact any company, I was unable to call lenders/creditors to inform them of my situation and request accomedations. Late fees stacked up, accounts were charged off or closed. 
XXXX to late 2020, I was able to get into an apartment and start bringing accounts up to current. I tried reasoning with each the respective lender/creditor to no avail. 
Eventually, in an attempt to repair my credit and undo what had been done, I fell victim to XXXX XXXX. For 2 years I waited with baited breath for them to do nothing. After a recomendation from a realtor, I utilised another credit repair company, XXXX XXXX. They made minor improvements in the beginining but then nothing for another year. 
I've attempted to handle things myself but things have become much worse. After my most recent direct dispute with the XXXX major credit bureaus a lot has changed ( and not for the better ). Multiple accounts retain the missing payments ( from when I was affect by covid ) AND now positive payment history ( before and after the negative history ) has been removed. 
I thought the CARES act could help me as it did for others but, I'm at a complete loss for words and have no idea what to do now. 
The XXXX outbreak led me to losing everything. I tried my best to get back up on my feet but have been stunted. I was financially crippled and struggled. It took until this past XXXX for me to finally have some semblance of freedom from debt but my credit score still suffers.
Product: Debt collection

I am trying to refinance my house which was passed on to me from my deceased mother. 
My mother passed away in XX/XX/XXXX her estate went through probate. Everything was cleared. 
Now I get a notice from the credit card company, XXXX that in XXXX I opened a credit card ( which I did not ) and its blocking me from refinancing my house cause some how they tied it into my mother house which became mine in XXXX. The amount is {$14000.00} I asked for proof that it was me and they didnt send me anything but a letter saying they conducted an investigation and everything is as it should be. 
The other thing is in XX/XX/XXXX I was not even in America so how was this card made? 
I tried to tell them it wasnt me but they are not even listening especially to a debt from 21 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There are several inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 

Here are the specific items in contention : XXXX. XXXX XXXX XXXXXXXX is reporting various dates of last payment across the different bureaus as well as different dates of last activities. 

XXXXXXXX XXXX is reporting various dates of last activity and some are reporting dates of last payment while others are not. 

I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 

In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 

I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 

Thank you in advance for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance is reporting erroneous lates on my credit file. I received a late on XX/XX/20 by accident and after this I went to their office and gave them the information to auto draft my payment. I made it so this payment would be drafted a week before the due date to avoid any issues happening. When I checked my credit file and noticed a late for XX/XX/20 I was absolutely furious. To begin, this late was not reported until a few days ago, how? I was not made aware of this late payment, never received any calls notices or letters about this late. My next months payment was auto drafted with no issue. I never had to call and make arrangements for the missed payment. This just doesn't make sense. They had all the information and authorization to draft my payments. This was a mistake by them. If it was actually late they would have had to call me to recover that late payment but they didn't, they just drafted the next months payment. I'm not sure what is going on over there but I need this fixed ASAP. Its is erroneous. I was NOT late on XX/XX/20.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

EXPERIAN IS REPORTING A NEGATIVE AND FRAUDULENT ACCOUNT THAT DOESNT BELONG TO ME ON MY CREDIT FILE THEY PREVIOSULY REMOED THIS INCORRECT DATA AND NOW IT IS REAPPEARING THIS DOES NOT BELONG TO ME AND I HAVE SENT THEM ALL DOCUMENTATION AND POLICE REPORTS TO HAVE THIS REMOVED AND NOW THEY WILL NOT REPLY OR ASSIT TO CORRECT THIS SERIOUS MATTER. THIS ACCOUNT AND BALANCE DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX HAVE VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT OF PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. 

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON..
Product: Credit reporting or other personal consumer reports

Inc identDescription PrintTh isReport XXXX was the victim of a robbery of his identity documents resultin the accounts below : XXXX XXXX XXXX XXXX XXXX  with account # XXXX on XX/XX/year>. 
XXXX Credit Card with account # XXXX with a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over the verification letter received from XXXX and I would like to formally report that the account reported is not mine. The signature recorded is not mine at all. The accounts= were money was deposited is not my account. I never requested money from XXXX XXXX XXXX XXXX im not even familiar with the company and this information need to be removed from credit report because it violating my rights. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Vehicle loan or lease

On XX/XX/XXXX I received a letter from Chrysler Capital / Santander Consumer USA Inc dated XX/XX/XXXX that stated " Chrysler Capital does not perform goodwill or courtesy requests to remove accurately reported negative information from your credit report '' ( as shown in attachment ) after I filed my dispute concerning my rights under the FCRA. I inform Chrysler Capital that the information they was reporting was diminishing the value of my consumer credit report and needed them to block and remove it immediately. On or around XX/XX/XXXX I talked to Chrysler Capital / Santander Consumer USA Inc. fraud department and spoke with representatives " XXXX '' employee ID # XXXX and " XXXX '' employee ID # XXXX both XXXX and XXXX had horrible customer service, rude, was yelling thru the phone and using profane language.