23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my sixth attempt to inform you of inaccuracies in my credit report. I am writing to dispute these erroneous items. These entries do not correspond to any transactions involving goods, services, or money that I have conducted or authorized. I kindly request the removal of these misleading items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}. The disputed entries are unfamiliar to me, and the details provided about them have been removed by other credit bureaus. I have serious doubts about their accuracy, and the payment history reported is not recognizable. Under FCRA 605B ( c ) ( 1 ) ( C ), I request the authority to have these items rescinded.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of accounts with 3 Credit Bureaus. I have been a loyal customer of your organization and have always appreciated the quality of products/services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening 2 new accounts with your company. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services or products ]. 

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Investigate the reasons behind the delay in opening accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX and provide me with a detailed explanation of the causes. 

Expedite the accounts activation process and ensure that both accounts are opened without further delay. 

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. 

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. Please assist me to correct the following late open accounts : XXXX XXXX XXXX Balance : {$210.00} ; ( New Late Open : ) XXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$19000.00}.
Product: Credit reporting or other personal consumer reports

I have found inaccurate collections entry 's on my XXXX credit report. This entry is in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Act for the following reasons : Inaccurate Reporting ( 15 U.S.C. 1681i ) : The collection entry reported by XXXX is incorrect. Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is incorrect, and XXXX is required to investigate the dispute and remove any inaccurate information. Failure to Validate Debt ( 12 U.S.C. 5536 ) : I requested debt validation from the collection agency, but I have not received the required documentation confirming that the debt is valid. According to 12 U.S.C. 5536, the Consumer Financial Protection Bureau ( CFPB ) has the authority to enforce fair practices in consumer credit reporting and ensure that companies adhere to proper debt validation procedures under the Fair Debt Collection Practices Act ( FDCPA ). This failure to validate the debt further supports my request for removal. Failure to Ensure Accuracy ( 15 U.S.C. 1681e & 1681c ) : XXXX has failed to ensure the accuracy and completeness of the information reported, as mandated by 15 U.S.C. 1681e and 15 U.S.C. 1681c. The Fair Credit Reporting Act requires consumer reporting agencies to maintain accurate and up-to-date information, which has not been done in my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus and XXXX XXXX  are reporting inaccurate information on this account as follows : 1. Last reported date is inaccurate. The account was closed in XXXX by me. 

2. Date last active is also inaccurate due to the last payment made and account closure request by me in XXXX. 

3. All 3 bureaus are showing payment history well into XXXX that did not exist after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX XXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$5300.00} ; XXXX  XXXX Balance Owed : {$630.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$310.00}.
Product: Credit reporting or other personal consumer reports

Im disputing first progress account number XXXX, late payments of XXXX, XXXX and XXXX. I asked for documents stating that first progress mailed the due dates to me 21 days before each due date of XXXX, XXXX and XXXX. Im not disputing that I didn't pay the bill on time or didn't pay at all. I'm disputing that first progress violated US 15 1666b by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask that you request the documents of proof that they didn't violate the consumer law 1666b by sending me proof that I was mailed the due dates 21 days before each month of XXXX, XXXX and XXXX and if not I want my late payments updated to paid on time on XXXX, XXXX and Experian of months XXXX, XXXX and XXXX. I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX, XXXX and XXXX. This is consumer law that the company mails out due date statements 21 days before each due date and no later. Once again I'm not arguing or disputing that I didn't pay on time or didn't pay at all. I'm disputing did the company violate consumer law 1666b by not mailing documents to me 21 days before the due dates of XXXX, XXXX and XXXX. I need proof shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that the following account be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). This account was opened fraudulently in my name as a result of the breach. 
Account to Be Blocked and Deleted : XXXX XXXX ( formerly XXXX  ) Account Number : XXXX, Opened : XX/XX/year>, Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COLLECTION ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY. COLLECTION ACCOUNTS IS CLOSED-END AND CAN NOT HAVE LATE PAYMENTS ..MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THAT THESE ACCOUNTS ARE IN VIOLATION WITH HIPAA LAW WHEN IT SAYS MEDICAL INFORMATION FURNISHER CAN NOT BE INCLUSEDIN A CONSUMER REPORT AND THE NATURE OF SERVICES CAN NOT BE INFERRED BY A PERSON OTHER THAN THE CONSUMER MEDICAL INFORMATION. SEE ATTACHED : XXXX ACCOUNT. 
PLEASE PAY CLOSE ATTENTION TO THE ATTACHED THESE ACCOUNTS NOT REPORTING SOLD/OR TRANSFERRED THESE ARE VIOLATIONS. INSUFFICIENT ACCOUNT # 'S. BALANCE SHOULD SHOW {$0.00} REMOVE IMMEDIATELY!!!
Product: Debt collection

They call me consistently several times a day every single day for months. They use a different number every time. I asked what it was in regards to and they told me it's a " personal business matter '' and tried to make me give my personal information to them before they would tell me anything. I told them I was not comfortable giving them my information without knowing who they are or what they want and was told a simple XXXX search would tell me who they are. I said that does not explain why they are harassing me daily and why they can not explain to me their business or what they want from me. They were extremely rude and I asked them to stop calling me if they can not give me any information but they will not. It is now harassment, they refuse to explain to me who they are or what they want unless I give them my personal information and their phone calls are relentless and due to the ever changing phone number, they are impossible to block.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an derogatory account was reported for the amount of {$2300.00}. I'm filing a claim under FCRA Section 611 ( A ) ( 1 ) ( a ). I am in desperate need of this account being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

The company is Comenity. Since XXXX have repeatedly tried to make payments on this card and have been told my phone/made payment went through and it did not, I have been hung up on, I have been told that they are experiencing customer service problems and that payments are not being accepted, and my card is repeatedly being refused. The interest on the card is skyrocketing and I can not believe this is legal and nthing is being done about such a large company. How many thousands of dollars will they be allowed to scam people out of before the government does something??? Also, this whole thing began with our having multiple instances of identity theft with the card and then the company went down and stayed down!!!!! Come on, is there no protection for the consumer out there anymore? I guess I will have to go to the media to be heard. Squeaky wheel and all that. I pay my bills honestly, I would think this grift-company could take my business seriously.
Product: Vehicle loan or lease

I reached out to West Lake financial in XXXX of this year ( XXXX ) to see alternative financial options due to income changes brought on by covid and the dealership where I signed a loan of around {$7500.00} on a XXXX XXXX XXXX XXXX on XXXX, XXXX. Currently. The car no longer runs, XXXX continue to pay the outrageous monthly amount which is equal to a brand new car monthly payment with unbelievably HIGH INTEREST! Unfortunately, the response from Westlake financial was more frustrating. I was told, A contract is a contract I was hoping for lower payment amounts at least! I have worked so hard to clean my credit for years, Ive since had to purchase a clunker. Im not rich, Im a graduate student and mom of XXXX receiving XXXX Westlake Financial does NOT care about your hardships! A contract is a contract! Every time I look at my statements it looks like I pay NOTHING! It never decreases by much! 

For example ; Monthly Payment {$220.00} I pay {$85.00}. Interest fees a month Principal {$130.00}
Product: Credit reporting or other personal consumer reports

All of my student loans are showing up as duplicated on my credit reports, after the lender update. I am providing a couple of samples, there are around XXXX accounts showing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPARTMENT 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 submitted a dispute to Experian about their reporting of an incorrect balance on a XXXX XXXX Credit Card. There is no balance and the account is paid in full. I had previously summitted a dispute about this same credit card reporting a late payment. Because I had submitted an earlier dispute, Experian refuses to let me not submit the additional dispute and continues to report incorrect information about the balance of this card thereby causing an incorrection calculation of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$610.00}
Product: Debt collection

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the following accounts in my Credit Report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To whom it may concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America for more than four 4 Years reported as charged off, and bad debt to the Credit Reporting Agencies in the amount of {$4800.00} In view of such fact said report is inaccurate according to the IRS manual where a charged off is considered income which should be reported for tax purposes and income is excluded from the consumer report. Further, it's an impossibility for the report to ever be accurate as said amount can not be debt and income for me simultaneously. 

Notice this account is being currently litigated in Court by a third-party debt collector XXXX XXXX XXXX on behalf of Bank of America who also at one point had another debt collector that attempted to collect this debt without any form of verification. 

The record reflects numerous correspondence between all parties. There is evidence in abundance that support BANK of AMERICA NA. acts and omissions are deceptive, abusive, and inconsistent with the Provision of Several Federal Statutes including but not limited to the FDCPA and or FCRA The Consumer has been denied extension of credit on several occasion which constitute actual damage. 

I have attached a copy of a notice dated XX/XX/23 that was sent to BANK of AMERICA NA of my intentions to commence an action. Said notice sent is accompanied by a copy of the present case being litigated in a County Court on behalf of BANK of AMERICA NA. by XXXX XXXX XXXX XXXX against the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX XXXX {$560.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}
Product: Consumer Loan

On XXXX XXXX, XXXX, I made my final payment to Santander Consumer USA for my vehicle. In spite of bankruptcy, I paid every payment due Santander Consumer USA and they kept the title to the car. I have not been able to get the title to the car. When I called inquiring about the title, XXXX representative said my title was mailed ; however, it was mailed to the wrong address. I was offered a " lien release '' letter instead. I have had the same address from the signing of the contract in XXXX. The representative could not explain why all of a sudden they had an incorrect address. 
My daughter called me and I told her what happened. She told me to call back and ask for a manager. We spoke to a second representative who initially said the car was paid off in XXXX and the title was mailed at that time. Upon insisting that the information she had was wrong, she finally said that the title was sent via XXXX. We then asked about a tracking number. She informed us that there was no tracking number. We asked for a manager. She said that she would see if XXXX was available, and if not, we could leave a message. We then asked how long would we expect to wait prior to receiving a return phone call. She said they were not legally able to make phone calls. 
In conclusion, I was told that 1 ) my title was mailed to the wrong address, 2 ) the title was mailed in XXXX, 3 ) the title was sent via XXXX, but there is no tracking number. It took several tries on the phone to get to a customer service representative, then I was given conflicting information ; and most importantly, I still do n't have my title.