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

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, 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 XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bankruptcy discharged US Bankruptcy Ct XXXX WI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, 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 I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting or other personal consumer reports

I have sent three letters requesting proof of the debt, and the only response is a an automative letter stating account has been verified.

In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post on my credit report.

I formally demand the following negative account records to b e verified and/or removed immediately. Must provide proof of all your verification of the debt and where you obtained it from.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Dear agent I sent you a letter requesting you to remove inaccurate information from my credit report. But, I find after reviewing my report with your bureau, that the disputed item is still listed. I request that you describe the procedure adopted to verify this claim, along with the names of the businesses, addresses, and phone numbers of those who have been contacted during this process. This is my right under the Fair Credit Reporting Act. 

It is disappointing to find a credit bureau does not following the proper procedures and does not maintaining the accuracy norms. I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days. In addition, I would like to resubmit my request to have these items verified ( State the reasons for disputing this negative mark ) balance shown is incorrect
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 noticed that TRANSUNION is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with TRANSUNION but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XX/XX/XXXX/XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12.  XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$380.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX ( I Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent letters to XXXX  and equifax disputing the inaccurate and incomplete items they are reporting on my credit report.i asked for verification to be mailed to me within 14 days of everyone involved in this process. because all inaccurate and incomplete items should be removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, XXXX XXXX XXXX, account # XXXX, account is reporting inaccurate late payments to all 3 credit bureaus. They are stating the following inaccurate information, due to the FCRA this is a violation, please see below. 
Account # XXXX, Open. {$2900.00} past due as of XX/XX/2024. I have never been late on this account. 

Late payments are showing on my account and credit profile, from the date which is actually Illegal Pursuant to 15 U.S.C s 1666 ( B ). Please remove the account
Product: Debt collection

I 've been victimized by the illegal collection practices of XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX Consumer is who I acquired the credit card through as a college student who just purchased a new house ( 2012 ). Little did I know that this would be a nightmare that would follow me well into my thirties. With a XXXXdollar limit and an interest rate of 28 %, I tried to stay below the credit limit but seemed to never be able to pay it down with the minimum payment of {$75.00} dollars, the 28 % interest, and the added credit card protection. Eventually I decided to start paying XXXX - XXXX dollars per month or as max as I could get it. The card was closed but I never stopped making payments. XXXX still accepted my payments for three months before they advised that the account was no longer accepting them. Reaching out to XXXX and GE Money bank ( The company who owned the account at the time ) was a futile effort and they did not provide any useful information or a method for me to resolve the account/pay-off the account. Several years later, I get contacted by XXXX XXXX XXXX, upon requesting more information about the account, they advise that it 's been sold and they no longer own the account. This even though they are the ones listing as a negative reporting on my credit. 

After trying to XXXX this account for several years, I get a notification in the mail that I have a credit that will be applied to the account as a result of action taken against XXXX XXXX XXXX - XXXX XXXX XXXX. by the Consumer Financial Protection Bureau. Although this credit is present, XXXX decided to robo-sue me for the amount of the original card. Not taking into account the credit provided by the lawsuit or the amounts that paid and accepted after they deemed the account closed. 
This has been very painful and costly ; I only wanted it resolved years ago but XXXX with their account XXXX games with moving the account from XXXX company to another and with them suing without providing proper information or documentation creates a world of torment for the consumer and I 'm still dealing with this nightmare.
Product: Credit card or prepaid card

I believed I paid my balance in full on my Citi card in early 2020. I then received a letter in XX/XX/2020 stating I had past due interest and fees, which they said rolled over after I paid in full. I paid {$190.00} on XXXX which citi customer service ensured me was the final, final bill and covered all interest and fees owed. I now received another letter dated XX/XX/2020 stating I owe more interest. I called and they said I owe {$1.00} which they can not write off nor reverse. I spend a lengthy amount of time on the phone speaking with two different associates which Im sure cost citi more than {$1.00}. I want them to XXXX  out the account once and for all. I would close the card but Im afraid it would adversely effect my credit score. Can you help remedy this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX
Product: Debt collection

calling my phone number about a debt made by the previous owner of the phone number. not my debt. collection agency calling my phone because their records are wrong but they purchased the fraudulent info connected with my phone number from somewhere
Product: Credit card or prepaid card

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Collection account. Status updated XX/XX/XXXX Balance {$41000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit - Highest balance {$58000.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to fraudulently open a utility account with XXXX XXXX. It is now reporting as an unpaid account on all three credit bureaus. It was opened in XX/XX/2016 when I was just a minor.
Product: Credit reporting or other personal consumer reports

I recently, I did and investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of 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 general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Account name : XXXX Account number XXXX Account name : Account name XXXX XXXX XXXX Account number XXXX Account name : Account name XXXX XXXX XXXX Account number XXXX Account name : Account name XXXX XXXX  Account number XXXX Account name : Account name XXXX  Account number XXXX
Product: Credit card or prepaid card

I made a purchase on XXXX at for {$9.00} at XXXX XXXX CDT on XX/XX/XXXX. That is the last legitimate purchase I made on the card. I had a balance of {$270.00}. While I was sleeping the following transactions were made : {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$20.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX {$21.00} at XXXX ending in a balance of {$4.00}. Then I have had notices of declined charges of {$21.00} at XXXX. 
This continued with charges declined for {$6.00} at XXXX. 

When I found the text messages with charges and balances, I called to report the card as compromised/hacked. I was told that the transactions were pending and would have to be complete before a dispute claim can be placed. My account was then put on hold -- not that there was anything left to steal. 

However charges have still been attempted. 
XX/XX/XXXX at XXXX XXXX a charge of {$6.00} was attempted on a card ending in a card I don't have in my possession. This matched neither card I have in my possession. 
XXXX a charge of {$18.00} was attempted on card ending in the mystery card. 

Meanwhile I still have attempts against my account, which is frozen but has had a deposit made from my employer -- that I can't access because my account is frozen. 

I am told I have to wait 7-10 days for a replacement card. 
Normal cards with multiples of the same transaction would have been rejected, a flag put immediately on the account and a new card sent out within 3 days. The only reason this must take so long is that I have been dealing with an offshore phone center. Because they told me the charges initiated in the XXXX -- would you want to deal with an offshore phone center accessing your info?
Product: Consumer Loan

On XXXX/XXXX/2017 I reserved a car for purchase at Drive Time ( XXXX ). I was asked to provide a letter to show proof of an approved auto purchase from my bankruptcy trustee before reserving the car for purchase. After having received the approval letter DriveTime fails to complete the purchase transaction. On XXXX/XXXX/2017 I provided the dealership with proof of insurance for the car intended and was told i still could not complete the purcahse for the car. I was instructed to " hold on '' to my money. As of toady ( XXXX/XXXX/2017 ), I am without a car AND an explanation as to why. According to the sales agent at the dealership, I was approved for a purchase and the only thing preventing the sale is the communication from their bankruptcy department. For the past 12 ( twelve days ) I have contacted DriveTime for an answer. My sales agent is never able to provide an update. When I asked to speak to the general manager at the dealership to get escalated assistance, I was told that " there is n't anyone here in that capacity ''. I asked for their bankruptcy department contact information, my trustee was willing to contact them directly to help expedite the purchase. I was told " that department does not have a phone number '' I was further informed that I should call customer services for further assistance. On XXXX/XXXX/2017, I contacted the customer relations department at DriveTime, after explaining the situation to a representative, I learned that the dealership does have a general manager. To my dismay, the customer relations department did VERY little to try to resolve my situation. I feel as though someone should be able to directly contact the bankruptcy department at DriveTime and get information on my approval. At the very least, they should provide me with information on the barriers completing the sale so I can resolve them. To date I have provided the dealership with : proof of income, proof of residency, payment towards the car, my drivers license, proof of car insurance and the approval letter from my chapter XXXX trustee. I have even attempted to put additional money towards my reservation. I want to complete the sale or get a specific answer as to why not.
Product: Vehicle loan or lease

On XX/XX/XXXX, I ordered a car using the Carvana app. I chose to trade in my previous vehicle and take out a new loan to satisfy my previous car loan and cover additional expense related to the new car. I selected to transfer my license plates from my old car to my new car. I picked up my new car and finalized the deal on XX/XX/XXXX. 

Earlier, the week of XX/XX/XXXX, I called and chatted Carvana to confirm that my plates would be transferred and that they would do it for me. Two different representatives confirmed that was the case - one on the phone and one on a chat. 

On XX/XX/XXXX I renewed my DC tags per Carvana 's guidance that my plates would be transferred. I paid {$110.00} and have attached the receipt and a photo of the new tags. 

On XX/XX/XXXX, I got an email from Carvana that they would not be able to transfer my tags, because they expired in two weeks. I emailed them back with no response from the company. I called and talked to an associate but it was already too late in the registration process to stop the creation of new license plates and registration. I asked for a credit for the {$110.00} ( which would now be part of my overall car loan ), but which I paid separately for out of pocket under the expressed guidance that my tags would be transferred. The associate said she would request the credit. I called back several times after that spending hours on the phone talking to several different associates who said they understood my issue and would request the credit only to have all of those requests eventually denied. 

You'll see on page 1 of the contract I am including in this complaint that the overall {$42000.00} price of my car ( the amount of the loan ) includes {$110.00} for the DC registration fee. 

Numerous calls and countless hours of talking to the company to try to get the credit issued have gone unresolved.
Product: Debt collection

My account from XXXX XXXX XXXX was terminated because I ordered a replacement for phones that I didnt receive cause the truth they was being stolen from my front door so that ended up me calling to tell them I didnt received the phone when they terminate my account I had a balance of XXXX that I owed including the phones that I never received was like XXXX and now they send me a letter saying I have to pay them XXXX when its not right and Im not in the United States right now because some family problem my mom is sick and Im taking care of her
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX XXXX, and SYNCB/TJX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and SYNCB/TJX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"