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

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently woking with XXXX XXXX XXXX to dispute inconsistencies with my credit report. I have many items that I did not approve and have disputed but the credit agencies refuse to get a full investigation. It seems that the investigation is one sided. The company replies and whatever they say stands. This is not a complete investigation. XXXX XXXX  in particular has claimed to have sent me information regarding the purchase of a debt I owe yet never provided the receipt to show they sent mail. As consumers were are being used. Our complaints with the CFPB are going nowhere.
Product: Vehicle loan or lease

I picked the closest catagories possible in the unusual incident. I lease a Kia Sportage, never have missed a payment in the XXXX  years since lease begain. Daughter was fully insured on the vehicle. Daughter found it to be stolen, reported it stolen. Police find it quickly impound the car,. XXXX Police Auto Pound never tries to contact me, only sent communication to title company which is Hyundai XXXX. Hyundai gets the certified mail and contacts XXXX Auto Pound, XXXXXXXX Auto Pound INCORRECTLY tells Hyundai the vehicle has been retrieved by person registered to, Hyundai moves on to next case. XXXXXXXX Police Auto Pound sells the XXXX  Kia Sportage XX/XX/XXXX. Never once was I contacted or given any opportunity to pick up said car or even know about it to need to pick it up!! Nothing. I have never missed payment, fully insured, then bam daughter driving the car... I learned that daughter had been evicted which prompted me to look up the car since her phone was not paid and shut off. To my dismay I see the vehicle listed and SOLD! Still to this day nobody has contacted me. I found this out on my own just looking it up when hadnt heard from daughter. My credit is very important to me and I cant believe I am faced with suddenly this car having been sold! what? I cant comprehend how this could happen but it did and I really need help.Have spent countless hours on the phone with Hyundai XXXX, XXXX Police Auto Pound and Kia Finance ... none of which plan to take responsibility and instead plan to send me a bill to buy an entire car that was sold without my consent. I am still making payments on a car that is sold in an effort to not mar my credit in the interim.
Product: Mortgage

Nationstar has not completely responded to several Requests for Information under RESPA. See attachment for the latest request.
Product: Credit reporting or other personal consumer reports

There are inaccuracies among several of the accounts, collections, and installment companies listed on my reports. Per the FCRA 15 USC 1681, this inaccurate reporting and is affecting my reports. XX/XX/XXXX I sent a letter to the responsible consumer reporting agencies, but no action was taken. The following accounts have inaccuracies ranging from contact information, open date, update days, account types, last payments, loan terms etc
Product: Credit reporting or other personal consumer reports

. Subject : Dispute of Inaccurate Information on XXXX, ChexSystems, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, ChexSystems, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, ChexSystems, and XXXX report. Specifically, I ask that : XXXX. XXXX, ChexSystems, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, ChexSystems, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, ChexSystems, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting or other personal consumer reports

Subject : Credit Bureau Failed to Provide Proof of Debt FCRA Violation Complaint : I submitted a dispute with Experian on XX/XX/year> regarding accounts that I do not recognize. I requested verifiable proof, including a signed contract or original agreement, to confirm that I am responsible for this debt. 

However, Experian updated my credit report without providing any documentation or proof that the debt belongs to me. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a proper investigation and provide evidence when requested. 

I spoke with Experian on the phone and they said they do not have to provide Method of Verification. I told the agent that under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), the credit bureau must provide the method of verification ( MOV ) upon request if they have verified a disputed item on your credit report. 

Account Name : XXXX  XXXX XXXX ( original creditor ) Account Number : XXXX Reason : Unverified account Amount : {$XXXX} Account Name : XXXX XXXX ( original creditor ) Account Number : XXXX Reason : XXXX  account Amount : {$XXXX} Account Name : XXXX XXXX XXXX ( original creditor ) Account Number : XXXX Reason : XXXX  account Amount : {$XXXX} Account Name : XXXX XXXX XXXX ( original creditor ) Account Number : XXXX Reason : XXXX  account Amount : {$XXXX} Account Name : XXXX XXXX XXXX XXXX Account Account Number : XXXX Reason : Unverified account Amount : {$XXXX} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Amount : {$XXXX} Account Name : XXXX XXXX XXXX XXXX Account Account Number : XXXX Reason : Unverified account Amount : {$XXXX} Account Name : XXXX XXXX XXXX XXXX Account Account Number : XXXX Reason : Unverified account Amount : {$XXXX} I am requesting the following corrective actions : The immediate removal of the disputed collection account from my credit report. 
A written explanation of how the account was verified, including the name and contact details of the verifying party. 
Compliance with FCRA regulations to ensure that no unverified accounts remain on my credit report. 
If this issue is not resolved promptly, I will consider further action, including contacting an FCRA attorney to seek legal remedies. 

Attachments : A copy of my original dispute letter
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS 9PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

I received a copy of my credit report.. I am concerned about the infirmary being reported. Please investigate the following accounts, because I do not believe the information to be accurate. Please remove the inaccurate information from my credit report. It shows a Bankruptcy with the XXXX districts courts ss # ending in XXXX declared on my report..I NEVER gave the courts to publish this information to any reporting agency. Therefore this is in clear violation of 15 USC 1681c-2 18 USC 1028A 15 USC1681q 15 USC 1681b ( 2 ) According to the FCRA, accounts that have been disputed by the consumer, must be noted as such. I have repeatedly stated that this account was opened up fraudulently. Your failure to investigate this account, and notate it as such is in violation of the FAIR CREDIT REPORTING ACT! please remove it Immediately from all three credit bureaus!
Product: Checking or savings account

I would like to report a case of discrimination that occurred at Bank of America on XX/XX/2024, where an employee, XXXX XXXX, refused to provide services based on our nationality. The incident took place at the branch located at XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. 

**Details of the XXXX : ** My father and I, both XXXX and legally in the United States he has a tourism and business visa, attempted to open a bank account at this branch. Despite providing all required documentation, we were treated unfairly and disrespectfully, clearly indicating prejudice from XXXX XXXX. 

**First Visit : ** During our first visit, we tried to open a personal account for my father. We presented his passport and visa, among other documents. XXXX XXXX claimed that the visa was invalid and suggested that the documents might be fake, implying that we were illegal. She also insisted that my husband, who has a Social Security number, must be the account holder, a requirement not previously mentioned. Her service was marked by sarcasm and disdain. 

**Second Visit : ** Despite the inappropriate treatment, we returned to open a business account with additional documents and a new proof of address. XXXX XXXX rejected the printed XXXX number page and demanded that I access the account in front of her to show another page, implying that the documents could be falsified. She incorrectly stated that only XXXX XXXX holders could open a business account. 

**Third Visit : ** After verifying with Bank of America that my father could indeed open a business account with the documents provided, we returned with the correct documentation and a copy of the banks policies. However, XXXX XXXX continued with a mocking attitude and questioned the authenticity of the documents. We left without being able to open the account. At another Bank of America branch, we successfully opened the account with the assistance of a helpful employee who apologized for the previous poor conduct. 

**Conclusion : *. 

This experience left my father extremely upset and me feeling powerless and humiliated. It is unacceptable for a bank of Bank of Americas stature to tolerate such prejudiced and disrespectful behavior from its employees. I had never encountered such discrimination in my XXXX years living in the United States. 

I am currently taking legal action, as discrimination based on nationality is a serious violation of civil rights laws. I have a complete recording of the third visit, which I am unable to upload here. Please feel free to contact me by email if you would like to review the video evidence. 

Thank you for your attention. I look forward to hearing about the measures that will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of I Identity Theft. I have sent in FTC Affidavit relating to the XXXX XXXX and XXXX XXXX breaches with addresses, names, SSN, and accounts that were not mine While waiting for remedy, a new collection from XXXX XXXX  appeared in the mist of dispute showing a new account had opened. I never consented or knew of this debt. this debt was disputed previously deleted and has illegally reappeared as a new account. I have never consented nor ever had applied for account. 
FRCA laws and U.S.C 1681 states reaging and knowingly reporting inaccurates and fraudulant are a violations. to my consumer rights. 
Also the XXXX late payment showing from XXXX XXXX should been deleted for during the XXXX Cares Act, credit agencies may not report adverse payments to a consumers report. I have spoken to bank and they updated to good standing but Credit agencies still showing incorrect and misleading info.

I am requesting these acccounts to be deleted. 
XXXXXXXX XXXX XXXXXXXX {$2700.00} date opened XX/XX/2022 XXXX XXXX XXXX XXXX {$120.00} date XXXX XXXX XXXX XXXX paid off XXXX XXXX  XXXX paid off XXXX XXXX XXXX XXXX paid off XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXXr and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

The company transworlds systems inc/XXXX has reported derogatory account 3 times on my credit in the same month. I called them and told them they could not report 3 times in one month on my credit, and they said they had no control over it because it was an automated system, which means they know what they are doing is wrong but are blaming it on the a computer program to say its not their fault. Yet the program is controlled by them, which is means they have direct control of when and how many times it reports. I am fine with the one time but they then lied to me saying it wont hurt my credit yet they are reporting 3 times which directly does effect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file with Equifax. checking my credit report ive noticed alot of errors that are causing denials on my credit report. this is my 2nd attempt to process disputes that need to be removed asap. please review an remove all items listed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th 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 Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}
Product: Debt collection

This company refuses to validate his debt, the collector agency that they sold his account to XXXX XXXX Could not validate the debt, therefore, gave it back to Carmax. I disputed the debt and they can not validate, Carmax needs to update the records and update all of the three credit bureaus that this account is not mine, and this is harassment
Product: Debt collection

It's been 10 days since I submitted my original complaint. 
Days after, I received and email stating they will contact me and it has been 10 days, I've tried emailing calling and nobody from Barclay 's cares about my situation.

I'm done.

I applied for 2 credit cards my wife and I under false pretenses and lies.

I don't want anything to do with the resort in cancun that sold me into a timeshare and sold my wife and I into applying for 2 credit cards. 
Please Call me or email me so you can access my account and my wife 's account so we can cancel this fraud and lies.
Product: Mortgage

Hello, I was assessed a late payment fee of almost {$30.00}. I was sick with COVID in XXXX and in that midst, I thought I had submitted my monthly payment for the XXXX due date. I must not have because I got an email saying I'm late. I promptly paid the normal amount, in addition to the late fee on Saturday XX/XX/XXXX, to avoid any further problems. Today, Monday XX/XX/XXXX, I called Rocket Mortgage/Quicken Loans to see if they can reverse it. It's my first ever late fee and again it's because I was sick with COVID. They wouldn't reverse it because saying I had already paid it. This is unfair. I wanted to be a good customer and paid it up front with hopes they'd return it. Instead they want me to be a bad customer and not pay it and then ask for a reversal. How is this ethical? My loan number is XXXX. 

Thank you for your assistance. 

XXXX XXXX
Product: Checking or savings account

In XX/XX/year> Ally Bank revoked access to all of my accounts. This was after I had verified my account information. I had been chatting with a customer service rep and that person did not inform me of a problem. I was told I could withdraw {$5000.00} daily and I went to the bank to do so but was denied being able to withdraw. I then paid for a wire transfer because I had no way of accessing my funds from Ally. Today, XX/XX/year>, I tried to transfer my remaining funds from savings to checking but I am not allowed to do so. I do not appear to have any way to access my money from Ally Bank, an online only bank. Previously I had tried to close my retirement account but I am now unable to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is showing a past due balance of XXXX to complete credit solution. According to the FRCA I have a right to an accurate credit report. Please remove this item immediately from my credit report. Also want to do the same thing with the The first premier bank account is showing a past due balance of {$650.00}. And the last account showing a past due balance is acceptance now. Showing a past due balance of XXXX. According to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), I have the right to dispute any inaccurate or incomplete information on my credit report. Please remove these items immediately from my credit report. Please provide a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting or other personal consumer reports

I have no knowledge of any of these hard inquiries on my credit and would like for them to be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Product: Debt collection

midland funding llc called my home repeatedly monday - sunday 7 -12 times a day i settled XXXX co. throuhg them which was unfair debt collecting for charged off over 4 years. they called my home sundays at XXXXnow they are sueing me for a original creditor XXXX bank for XXXX '' XXXX which i received a notice from XXXX suing XXXX for wrongdoings starting XX/XX/XXXX i had been part of a settlement XXXX did with my account concerning payment protection. i became XXXX with XXXX XXXX and got the notice XXXX gambling for wages too and lost XXXX dollars. i am sick from midland credit using abusive illegal collection tactics.the settlement offer was XXXX and i paid XXXX payments of XXXX then stopped i realized the account was charged off. i recieved notice XX/XX/XXXX