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

I discovered unlawful unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require organizations to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The following data should be explored in this manner. After carefully downloading my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these things or false information since my personal information was compromised by the XXXX data breach and may have ended up in the wrong hands. You are filing reports recklessly and incorrectly, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain a counsel to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the company for violations, stress, and menstrual agony on behalf of at least 1 % of the corporation, according to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ). I am a natural person, I am a living human being, I have rights under 15 USC 1681. 2 ). Equifax is governed by USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed. 3 ). According to 15 USC 1681 : I have the right to privacy, I haven't not given Equifax written permission to furnish these accounts. 

Account 1 ). XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX ). XXXX / XXXX : xxxxxxxxxxxx XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of the following fraudulent accounts, addresses, emails, and phone numbers from my credit report under FCRA 605B due to 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. I also request the deletion of the following fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and the following fraudulent emails : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as the following fraudulent phone number : XXXX XXXX XXXX. These accounts, addresses, and contact details are not authorized by me, and I am requesting their immediate removal as required by the FCRA. Please confirm in writing that these items have been deleted from my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Account # XXXX numerous times over the last 6 months directly with the CRA 's ( XXXX, XXXX, TransUnion ) for inaccuracies to which there was no real investigation performed as I've always been sent a generic " validation '' letter in response. The CRA 's ( XXXX, XXXX, TransUnion ) and original creditor ( Family LA CO ) are in violation of Section 623 of the FCRA for not updating the status of the account within 30 days of receiving my written disputes. All XXXX CRA 's ( XXXX, XXXX, TransUnion are still reporting the " Dispute Status '' as " Account Not Disputed '' which is clearly inaccurate per the letters attached which are dated back to XX/XX/22 and as recently as of XX/XX/22. I want monetary compensation in the amount of {$1000.00} per violation for the damage these blatant inaccuracies have caused me. Other violations include 15 USC 6802a, 15 USC 6801a, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681a ( 2 ) ( i ) and civil liability for wilfull noncompliance under 15 USC 1681n.
Product: Student loan

I have spent over a year attempting to certify employment for PSLF. After submitting the form three times, and having my employer send a letter to XXXX, they continue to claim that my form is not complete and they can not certify my employment. I have contacted XXXX dozens of times in an attempt to resolve the problem, yet have not received appropriate assistance or a solution to my problem. It is unacceptable for a simple 2 page form to consume hours worth of my time because of a servicer 's inability to comply with student loan policies and procedures.
Product: Vehicle loan or lease

On XX/XX/2020 my car was stolen and damaged and deemed a total loss, by my insuranceXXXX XXXX was paid to the finance company BRIDGECREST leaving a balance. XXXX still made payments. Gap insurance paid the remaining balance in the amount of XXXX based on the date of loss. however after the payment was received the finance company Bridgecrest didnt apply the payment and allowed interest to accrue on the account after the payment was received and posted they refused to service the loan and each time I have called the period gets longer it started as 5 days from the check being received to 7 days and now they are saying 10 but when asked is this from the date the check was received it is said from current day which is XX/XX/XXXX. The check was received and posted on XX/XX/XXXX but they not clear my balance and are allowing interest to accrue when I am actually due a refund.
Product: Vehicle loan or lease

To whom it may concern, I have been receiving letters from XXXX XXXX XXXX XXXX XXXX  debt collector for the last few months. The debt is about a car loan ( chase auto finance ) the dealer ship purchased for me to be able to take off an XXXX XXXX  off the car lot. I was doing well until I lost my job and ran out of my unemployment. Soon after I went back to school and was paying my car payment. Later, I went through a temp agency to work and get caught up with my past car payments. 
Chase auto was the original debt holder, and I would like to say acted unfair practice. The reason I say unfair because an ex Co worker that I ran in to a couple months after I bought my car ( at the time ) from the XXXX dealership ; she said she had purchased the same vehicle ( except different color ), and from the same dealer. With her own words said the dealer from XXXX in XXXX, CA had got her a lower car payment. I told her you must have good credit, she said no her credit was terrible. Although, she had bad credit the dealer was able to lower her car payment to {$200.00} a month. Same dealer told me they couldn't that was as far and low that car loan payment would be ( {$380.00} a month ). 
In XX/XX/2017 the car was repossessed before the repo guy took it I called chase to see if I could give partial payment and the rest later in the evening. I was laughed at, belittle, and beraided on the phone for not being able to pay my vehicle. And even though I offered to pay the late payments on my repo vehicle ( XXXX chase representative ) laughed at me and denied me the chance to pay the rest. Less then 30 days later my car was put up for auction. After, that call I felt so small because that's how chase representative made me feel. 
After, it was auctioned I was being billed for the remaining balance of the repo vehicle which is {$5500.00} and because I'm not able to pay it chase sold it to XXXX XXXXXXXX XXXX XXXX XXXX  debt collector. This debt collector has already violated my rights they have been calling family members that I don't live with and some that live all the way in XXXX, new Mexico. I have been receiving the debt that I owe but I'm unable to pay it right now because I am out of work. I don't appreciate that this debt collector is telling my business to family and I want them to stop calling family that I don't live with.
Product: Credit reporting or other personal consumer reports

I am writing to express my utter frustration and disbelief at the abhorrent level of service I have received from Equifax, XXXX and XXXX in regard to incorrect information on my credit report. Since XXXX, I have tirelessly and diligently attempted to rectify this matter, only to be met with sheer obstinacy and an unwarranted refusal to correct a glaring error on my report. It is nothing short of infuriating that these company entrusted with such sensitive financial information, has displayed such blatant disregard for the wellbeing and integrity of its customers. This relentless stonewalling is not only unprofessional, but it undermines the very purpose of the Consumer Financial Protection Bureau and its mission to safeguard consumer interests. It is high time that Equifax, XXXX and XXXX be held accountable for its disgraceful conduct. The intransigence displayed thus far is nothing short of a gross injustice, and I implore the CFPB to take swift and decisive action to rectify this egregious situation. Your immediate attention to this matter is not only warranted, but demanded, as I refuse to accept anything less than a fair and just resolution to this issue.
Product: Credit card or prepaid card

I started an application process on XXXX for a secured discover card, during the process i notified them i had to stop the application due to a family emergency i was notified of during the process and the agent assured me it would not proceed. I informed them that the funds needed to open the account also would not be available as i would need it to take the emergency trip to Montana. I later learned that they did not stop the application and tried to take the funds from my bank over drafting me on XXXX. On the statement they sent shows the account was open on XXXX XXXX without any secured funds or my permission to proceed and closed on XXXX, i have the statement they have sent me but on my credit report it shows opened on XXXX and closed on XXXX, all of this also resulting in dropping my score over XXXX points. They also sent e a statement as if I had an account and a card i never received a card, I sent all of these documents to your department dated XXXX, I have never received a response and Discover refuses to look at all the contradicting dates and resolve this issue. I have been writing them and all credit bureaus and no one will look at the dates. Please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I suspect that I am being XXXX or have been ) overcharged for my private student loan, originally received from Citibank. Some of the loans were sold to XXXX XXXX " loans 20-21 ' ) and I have paid those off. According to Citi, they also may have sold some loans XXXX or deferred them for servicing XXXX to XX/XX/XXXX( " loan XXXX '' ), account number XXXX. I would like to obtain the statements and supporting documentation for loans 20 through 22, including promissory note, from Citi, to verify that they didn't sell my loans twice, and if not, that I am not being overcharged for my loans.
Product: Debt collection

CBE Group is claiming I owe a Debt of {$500.00} dollars. Ive never had any communications with this Company Written or Electronically. All debts Owed prior to 2019 Were discharged in a Bankruptcy filing i had in 2019 and any debts incurred since then have been paid on time and or not negative.
Product: Mortgage

My mortgage is through Citizens One Home loans and I recently have been laid off from work do to the Corona Virus ( which is out of my control ), I got in contact with my mortgage company to get details on what would or will happen to my account. I was told by one of the representatives their, that I can make my mortgage payments if I can or I can miss the payments up to 3-6  months but then they told me that at the end of the period they allow you to miss I would be responsible for all the payments I didn't make. When I asked if they had the deferral program they told me they do not have the program and that I would owe the outstanding amount for my home when I return to work all at once. I can not make these kinds of payments while on unemployment do to the lack of income based off of unemployment. This kind of action that this company is doing to people including myself puts way more stress and financial stress on us.
Product: Checking or savings account

On XX/XX/year> my credit karma money card was hacked I received emails that my personal info on account was changed, so I immediately contacted credit karma while I was on the phone with them the transactions began XXXX XXXX at a time was being taken out they could obviously see it wasn't me. They inform me that there is nothing they can do other then to refer me to XXXX  dept which would email me in XXXX hrs, they ended up getting XXXX XXXX dollars from me and now credit karma will not help me.
Product: Debt collection

Jefferson Capital Systems never sent my a 5 day notice notice before placing this collection on my credit report. This is a violation of the FCRA and my customer rights. If you believe you sent me the 5 day notice then produce the certified XXXX receipt with my signed signature showing I received your companies notice if not delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX RE : Violations of Federally protected consumer rights In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX. Name : XXXX XXXXXXXX Account : XXXX Date Opened : Balance : {$0.00} INCORRECT DATA REPORTED ON CREDIT REPORT. 
XXXX. NAME XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX INCORRECT DATA REPORTED ON CREDIT REPORT 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 7 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.

I WILL BE SUBMITTING A COMPLAINT TO : Consumer Financial Protection Bureau and Federal Trade Commission due to failure to comply with Protected Acts : 15 U.S.C. 1681s-2 ( A ) ( 1 ) PLEASE DELETE THESE ACCOUNTS AS SOON AS POSSIBLE
Product: Debt collection

Debt collector want to chargch me for something that is no longer in my credit repor
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont fully have access to my credit report so no dates are available for me to give Ive been declined to access my accounts. I cant proof my identity to get a job I am a United States born citizen an I am asked for proof of my citizenship for everything. I cant establish credit with anyone nor can I open any bank account or rent an apartment or house under my name. I got creditors lying on my report The last and only time I was able to access my report reopening accounts I try to dispute things and nothing gets done I receive voicemail daily from companies claiming I have a severe issue with my supposedly financial aid loans I never had. I am wrongly been fired with no explanation from every job I previously had. My tax information supposedly was burned in a fire at the XXXX of the XXXX in XXXX Missouri so when I received my end of the year tax report it was missing information or it was made up information that wasnt accurate because I was highly charged for it. I never received all of my tax return for XX/XX/2018. I have cell phone companies such as XXXX XXXX XXXX and XXXX I had business accounts open with them and I didnt. XXXX XXXX XXXX authorizes equipments and services on my account without my consent and billed me for it and when I asked to have it removed or exclamation they cut my services off but continued to bill me for services for months so now I owe them XXXX dollars. XXXX changed my personal wireless account into a business account without consent and when I sent my phone back to them that I was making payments on they still claim I owe them for it plus months of services I didnt have. XXXX also invades my privacy on a daily basis they tagged my IP address an follows me. Ive seen illegal immigrants receiving loans getting credit cards getting bank accounts receiving high tax returns getting into rental properties getting high paying jobs with little or no schooling an Im as a citizen of this country is restricted to do anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$31.00}, XXXX written off. {$31.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$31000.00} Never had account belongs to someone else. Disputed and no proper investigation within the timelines of my federal rights.
Product: Debt collection

I asked to to stop calling me every day and harassing me the debt is about a cable bill they dont stop
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I received a copy of my credit report from TransUnion, XXXX, and XXXX. I found a number of inaccurate information that was being reported, so I sent them each a request to look into these items. I did not hear back from them, so I sent another letter on XX/XX/2020 and I have not heard back from that one either. At this point, the bureaus are completely ignoring my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2022, I filed a dispute online with XXXX and Transunion. I stated several times that I did not authorize the inquiries and they insisted that they were mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX XXXX XXXX  NUMEROUS OF TIMES in demand to remove a inaccurate late payment that is on my credit report on XX/XX/2019 30 days late. I've been making on time payments and payment history is exceptional with this company. When I contacted XXXX XXXX XXXX XXXX XXXX XXXX they told me to get in touch with the bureaus to get the inaccuracy removed and that they didn't have any control on reporting. I then contacted XXXX, XXXX and Experian on behalf of the inaccuracy and when I looked on my reports it is still on there. 

I've been denied for numerous of loans and credit card application because of this false inaccuracy on my credit reports and this is NOT FAIR!! I shouldn't be denied because of this because this was a mistake that XXXX XXXX XXXX XXXX XXXX XXXX  REPORTED. 

I have a attorney on this case and will take legal action if this is not resolved asap. 

Please have the inaccurate late remark that is reported on XX/XX/2019 removed ASAP. This is my official written complaint.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft XXXX XXXX XXXX Balance : {$200.00} date open : XX/XX/year>
Product: Credit card or prepaid card

My business uses Heartland Payment Systems to receive credit card payments from customers purchasing insurance coverage. In this case, we received a signed application to buy insurance from a customer, were paid by XXXX for the insurance by the customer, provided the insurance, and five months later received a dispute from Heartland claiming that the customer did not acknowledge making the credit card payment for this insurance purchase. We provided detailed proof of the validity of the insurance purchase to Heartland 's Dispute Resolution team, which ultimately told us that this was an XXXX issue and XXXX refused to refund our {$18000.00} wrongfully taken. 

XXXX responded that this is solely a Heartland matter, as Heartland is the payment facilitator for this transaction, and only Heartland can resolve. Heartland refuses to take any action on this matter. Thus, we are filing this complaint against Heartland.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on several occasions to dispute two inquiries reporting on my credit file that I did NOT authorize anyone employed by these companies to make any inquiry and view my credit reports. 
Transunion has FAILED to investigate and validate this information with the companies and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 


I, XXXX XXXX XXXX, have gathered all this information for litigation.