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

I am formally disputing the presence of unauthorized, fraudulent, and inaccurate information that appears on my credit report. This information has been unlawfully provided by creditors and reported by Experian without my knowledge, consent, or any lawful basis. The reporting of this information represents clear violations of several federal laws, including but not limited to : - 15 U.S. Code 6802 ( regarding the right to opt out of information sharing ), - 15 U.S. Code 1681b ( regarding permissible purposes of consumer reports ), and - 15 U.S. Code 1681c-2 ( regarding the blocking of inaccurate information ).

In addition, the unauthorized use of my personally identifiable information may rise to the level of identity theft, punishable under 18 U.S. Code 1028A, and I hereby assert my rights accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

Advance America contracted a company to collect this debt. The company called my wife 's phone 5 times in a row, and then called my employer repeatedly as well. My wife called back, and she was told they would be arresting me. My wife was anxious and in tears. I called back and spoke with XXXX. XXXX was verbally abusive, and swore at me. I mentioned his tactics being a violation to FDCPA and that I would file a complaint with CFPB. XXXX said to shove the FDCPA up my XXXX, and he 'll file it for me. He called from XXXX, and told me to go to Advance America and pay now, or my XXXX was going to jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up deferments and was told my payment will be pushed to end of loan term that I will not have late remarks or fees
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a used vehicle for sale. I explained my financial situation and credit issues with my sales agent. He went to his manager. He then asked if his manager could " pull my credit ''. I said the manager could. I was denied a loan due to my credit report. Later, I found that XXXX has " shopped me around '' to several lenders without my verbal or written consent and worse, without my knowledge at all. This has impacted my credit terribly and has resulted in reduced credit rating, denials, higher interest, higher premiums, etc. XXXX has no permission to do such a thing. I contacted the XXXX  about this and XXXX lied and was indifferent about what they had done to me. This can not be legal. XXXX   should NEVER be allowed to shop a customer around and have several lenders pull HARD INQUIRIES on an unsuspecting customer. Can you help me with this?
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  # XXXXXXXX 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, DEPT OF ED / XXXX # XXXX, XXXX & XXXX # XXXX, XXXXXXXX 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 an 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 am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX Ct, XXXX GA XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | DOB : XX/XX/XXXX To Whom It May Concern, I am writing to you in reference to the following unverified inquiries to my credit : XXXX  Sales Financing XX/XX/XXXX XXXX   XXXX XXXX Jewelry/Cameras XX/XX/XXXX XXXX  XXXX/XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX  Bank Credit Cards XX/XX/XXXX XXXX  XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX   XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX   XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX   XXXX Wireless Telephone Service Providers XX/XX/XXXX XXXX   XXXX Tenant Screeners XX/XX/XXXX XXXX XXXX  XXXX  Bank Credit Cards XX/XX/XXXX XXXX  I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit. 

I have enclosed copies of my requests to these companies, asking them to prove any authorization or permission was given to check my credit. These companies have not demonstrated any permissible purpose, and are NOT allowed to be checking my credit. I'm not even sure if they DID check my credit, because they have not demonstrated that they possess any record of me on file. The error may in fact be a clerical error on YOUR part, in which case I demand that you investigate these inquiries immediately. In any event, you are in violation of the FCRA by reporting this information on my credit report. 

Furthermore, the FCRA requires you to verify these inquiries within 30 days of my request. If the validity can not be verified, you are obligated by law to remove them. There is a clear case of unverified inquiries, and I urge you to remove these inquiries from my credit report before I am forced to take legal action. 

In the event that you can not verify these pursuant to the FCRA, and you continue to list the disputed items on my credit report, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to my MIB report Several companies accessed my report without my explicit permission : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 
I would like those inquiries erased. 

XXXX added false data to my report without my permission. they conducted a third party exam showing 3 problems. I had an exam consequently with a medical doctor and the results were opposite. I have contacted XXXX several times with out success. I would like their information removed from my report.
Product: Debt collection

Carmax alleged as the seller of this contract to be the lender but they are not. In fact Carmax has committed fraud in factum and securities fraud. The contract is the security that is being used to trade and was deposited into a financial institution which the banks has to transfer as banks only work as transfer agents which by lawful definition they transfer securities and deposit them. Carmax not only received a purchase money loan in which they kept for themselves but disguised it has if they loaned me this said money knowing they would sell this contract several times to investors by pooling it together with other consumer contracts and sold on the secondary market but not before transferring it through the treasury on the primary market so the government can pay out. This scheme has been well hidden from me but the account is tied to an investment that is find on the New York stock exchange under Carmax cusip number and my account number. This account has made millions while I have not been compensated for my investment. Furthermore the Federal Reserve Act specifically states that banks can only use notes, drafts, and bills as collateral so how is the contract listing my estate private property?
Product: Money transfer, virtual currency, or money service

I am filing a complaint for $ XXXX against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

OneMain Financial is showing that I have three accounts as being " Current, Paid or Paying as Agreed '' when those three are in fact closed accounts. The accounts are as follows : Account 1 of 3 - no balance listed ; Account 2 of 3 - balance of {$10000.00} ; and Account 3 of 3 with a balance of {$8900.00}. I have only one account still open that they are not reporting and it has a remaining balance of approximately {$6900.00} and it is current, and in fact, I'm paid in advance on the account. By their showing those closed accounts as still being current it makes my debt ratio go sky high and I am being turned down by other creditors that I would like to do business with. It makes them think I have outstanding debt to OneMain Financial of {$19000.00}. I've called several times and sent hard copy letters to OneMain twice ( 1st letter sent on XX/XX/XXXX and 2nd letter sent on XX/XX/XXXX ) yet they continue to show the same information under the three major credit reporting bureaus ( i.e., XXXX XXXX and XXXX ). After I threatened to sue them in small claims court, they finally sent a reply letter on XX/XX/XXXX, saying the way they are reporting my accounts is correct. How can it be correct when those 3 accounts are no longer open, and the one that is open does not show up on my credit bureau reports? I really need your help because this is also costing me to be charged higher rates by my utility and insurance companies.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 XXXX  XXXX
Product: Credit reporting

Hi, I have Never went by the name XXXX ..I would like that name removed please. Thank you, XXXX XXXX XXXX
Product: Student loan

Since The induction of the Public Service Loan Forgiveness ( XXXX ) I have contacted my loan servicesor, XXXX XXXX XXXX XXXX XXXX and the Department of Education regarding the payment plan and application. Each year I was informed that I was in t he correct getting payment plan. As I would be told by a representative that I was in the correct payment plan and that I am in the program for the PSLF. 

As I do each year, I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and was informed by a representative that I was not in the correct payment plan, and they would have to transfer my payments to XXXX XXXX XXXX. 

When I had my payments transferred to XXXX XXXX XXXX, I was told by their rep that I was not in the correct program and that I only had 20 qualifying payments for the PSFL. 

I dont know which servicesor provided the correct information. I believe that pay more qualifying payments. 

I called MY XXXX XXXX XXXX today and spoke with agent # XXXX. He was extremely patronizing and disrespectful regarding my student loan information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Dispute letters have been sent.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I demand the removal of the following incorrect information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I demand the removal of the following inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

An unauthorized hard inquiry was fraudulently conducted on my XXXX credit report, and other credit agencies by Sync-Amazon on XX/XX/year>. 
The inquiry was made using the address XXXX XXXX XXXX XXXX, PA XXXX and the telephone number ( XXXX ) XXXX, without my consent. This act violates my rights, and I strongly request that the inquiry be removed from my credit report. To address this issue, I kindly request a report that I can mail to XXXX and other credit reporting agencies.
Product: Debt collection

The debt came from an ambulance bill. Per my insurance company, the balance of $ XXXX is not legally supposed to be billed to me, but they have balance billed me for the remainder. They refused to contact insurance to get things straightened out, and refused to take calls my insurance company had made to the ambulance company. 

I received a call in XXXX from XXXX from Commercial Acceptance Company ( collections ). She did not identify what company she was with, and after answering with only hello, she stated my full name, date of birth, full address, and the name of where the debt came from. 

I requested a validation of debt and a letter proving they have my debt. I was told no. When asking again for a validation of debt, I was laughed at, told they legally dont need to do it, and if I wanted it I would be required to request it in writing. I asked for info about where to send the request and got no information. At this point I still didnt even know the company name. She threatened me saying she would put it on my credit report if I didnt pay that day, and I asked how long I had until it was reported. I made her aware that she was breaking FDCPA guidelines, and she hung up. 

She called again and did the same thing over again. Refusal for validation of debt and a letter. Threatened to report me to the credit bureaus, and provided no information. I only figured out her company by googling her phone number, which led me to her personal XXXX page, which showed the name of the company. 

I reported the abusive actions of the collector to Commercial Acceptance Company. They sent me to a voicemail of a supervisor and have never contacted me since then. I believe that was mid to late XXXX. 

Now in XXXX of XXXX they have this on my credit. I still havent gotten any correspondence validating my debt. I called again today, XX/XX/XXXX and spoke with a supervisor named XXXX. He implied that no laws were broken, did no care that I was threatened, told me he refused to hear about it, and demanded payment immediately. When trying to explain why I dont believe its valid debt, he also told me they arent required to validate the debt and said it must be requested in writing. He refused to provide where the request should be sent to, and demanded that we set up payment arrangements on the phone. 

From the first phone call, I was under the impression this was a scam since I am familiar with the FDCPA since I was a collector years ago, and knew the tactics they were using was illegal. I met with a lawyer, who told me going after them in court would be costly, and to try to resolve with them directly. I have tried to resolve it, and continue to have my credit ruined.