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

I am contacting you to inform you that I am a victim of multiple data breaches from Equifax, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Consumer Reporting Agency is furnishing and sharing inaccurate information and accounts on my Consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been one year and this company has continued to report fraudulent information, it has damaged my credit and life I will be seeking legal action against this company as well. I want the fraudulent accounts removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

USAA continues to report late payments on a charged off account Ive disputed both the late payments post charge off and the date of last activity I believe this account to be XXXX past delinquent and should be removed XXXX states this is responsibility of USAA
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX XXXX was recently totaled XXXX XXXX. XXXX has already finished the total paperwork for {$27000.00} in XXXX. My insurance has tried contacting them and so have I so that XXXX can receive payment for the car, but no one answers when we call or send correspondence for documents this has been on going for weeks. Not only that I cant finish my GAP claim so they can pay the rest of the money still owed until they do whats supposed to be done on their end. XXXX has not worked with me at all and they keep saying Im not paying, and reporting it to my credit. All I want is a resolution and for this to be over and done with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries are not authorized per ; 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate. 

Please remove hard inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I followed the instructions that Equifax provided on the complaint filed under XXXX. I sent in a copy of my drivers license and social security card. I received the same letter stating they could not find my records.
Product: Debt collection

This is not my account. Creditor is permanently closed, and I have no knowledge of account. 

The collection agency is non-responsive. 

Please fully investigate and provide findings to me so that I may sue collection agency under the FDCPA and FCRA.
Product: Debt collection

Called me, while I was at work, XX/XX/24. After I didnt answer they proceeded to call my father. When I called today, XX/XX/24, she said if I didnt pay in full within a week or so ( which she told me a different amount than what my insurance and bills were saying ) she would be sending it for credit reporting.
Product: Debt collection

This collector has had people calling me at all hours of the day. Most are XXXX and barely speak English so I can't understand them as it is. When I ask what its regarding they ask me for MY personal information. When I've asked who this debt is for they don't provide any information. I have had several be rude, yell and I have asked them repeatedly to stop contacting me. I want this company to Validate this debt by providing evidence of WHO the original creditor is. Why and How much I owe them by showing statements with the amount including any signed contract with MY signature. Proof they have the right to collect on this debt. Proof of whether the original creditor charged off this debt and the 1099C if they did. The Fair debt collections act says I'm entitled to all of this information and this collector has refused to provide it.
Product: Checking or savings account

I originally opened a complaint last year about XXXX XXXX taking funds out of my account without my consent. I contacted XXXX XXXX to fix things, and they claimed I had a 30 day period to cancel my service, and I wouldn't be receiving a refund. I then contacted my bank, and they gave me a temporary credit for a few days, then they took the money back, and gave me no explanation. I filed a complaint with CFPB, then I got a call from Chase Corporate, and never received a call back, or a resolution. No Explanation, case was never opened on my account. I have no idea where they went, or why it was buried. I've tried bringing it up to support, and have gotten nothing back from them either. So here I am again, filing another complaint. I have never used XXXX XXXX 's services. I simply visited for a tour. Nothing more, nothing less.
Product: Credit reporting or other personal consumer reports

XXXX XXXXl has an Hard inquiry on my credit report and I never done business with this financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion regarding fraudulent inquiries on my credit report on XX/XX/2021. This letter was sent via certified mail and shows that It was received by transunion on the XX/XX/2021. I contacted transunion on today XX/XX/2021 and was told that the document were never received. I provided the agents with the certified tracking number, but they still refused to help me. 

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

FCRA violatons ; Wrong info XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMI
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent Transunion a dispute letter breaking down to them how they violated my rights as a Consumer. It's been 30 days and I still haven't received the appropriate results.
Product: Credit reporting or other personal consumer reports

o Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
Product: Debt collection

XXXX XXXX XXXX is asking me to pay XXXX $ amount that I never received from them this debt it is on my credit collection and making me angry because I never see this company before.
Product: Credit reporting or other personal consumer reports

I've submitted all documents requested many different times from the credit reporting agencies and when I request proof or balance ledgers from creditors to prove that they're reporting wrong information, they don't send it or label it me as a credit repair company and which undermines and disregards the facts that I have provided. 

Pursuant to FCRA 605B ( 15 U.S.C & 1681c-2 ) that Experian, XXXX, and XXXX credit reporting agency , block information appearing on my credit report that is the result of inaccurate, false, and fraudulent information which consists of personal credit card accounts XXXX  XXXX  Card, Account XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX Account XXXX XXXX, XXXX XXXX  Account XXXX opened XX/XX/XXXX, and XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX This Also includes an Auto Lease from XXXX XXXX XXXX Account XXXX opened XXXX XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  Account XXXX, and XXXX XXXX XXXX  NV XXXX XXXX. These accounts have resulted in several fraudulent inquries and inaccurate information on my credit report which continues to have banks deny me credit, housing, and good paying jobs. I've attached the credit report along with my FTC report, a complaint to the General State Attorney. I do not recognize the aforementioned fraudulent accounts/inquiries appearing on my credit report maintained by you were not opened, made or initiated by me. Again all of the fraud I have attached a copt of my FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US FTC Federal Trade Commission that all of the aforementioned consumer accounts/items and hard inquiries are the result of identity theft, fraud, and negligence of the reporting agencies data breaches from Experian, Equifax, and Transunion.
Product: Debt collection

Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. 

XXXX is using SECURITY CREDIT SERVICES to collect money I don't owe, SECURITY CREDIT SERVICES used XXXX XXXX  XXXX services to collect debt as well. I don't owe any debt to any company XXXXnd/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX credit history and legal actions will be taken. 

I have prove of what I said above about XXXX NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. 

Please note, debt is being disputed and for more information I'm attaching needed documentation. SECURITY CREDIT SERVICES haven't had any kind of communication with me, please respond or lawsuit will start right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : XXXX XXXX : {$16000.00} 08 XXXX ACCT : XXXX AMT : {$16000.00} XXXX XXXX  ACCT : XXXX AMT : {$1600.00} XXXX  XXXX  XXXX-XXXX  ACCT : XXXX AMT : {$400.00} XXXX/XXXX  ACCT : XXXX AMT : {$640.00} XXXX/XXXX  ACCT : XXXX AMT : {$4600.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$7700.00} XXXX/XXXX ACCT : XXXX AMT : {$660.00} XXXX  XXXX  XXXX  ACCT : XXXX AMT : {$1600.00} XXXX/XXXX   ACCT : XXXX AMT : {$100.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX  XXXX XX/XX/XXXX XXXX  AUTO FINANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Dealer Services XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX CARD SVC XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, I made a payment by phone to my XXXX Citi Card.  They asked me if I wanted to set up automatic payments. And I repeatedly and emphatically said no because there had been a previous problem where they automatically charged the full amount due rather than the minimum payment and overdrew my bank account. 

This week, even though I had not authorized automatic payments, Citi charged my bank account AGAIN with the full amount due and overdrew my bank account by over {$1000.00}. Thankfully my bank declined Citi 's overcharge due to insufficient funds today, but I was charged a fee for that. 

I called Citi customer service yesterday as soon as I saw the error, and although the representative apologized and tried to refund the overcharged amount, she said it will take 2-3 days to actually reappear in my account. She offered me {$30.00} in rewards points, but that is not a sufficient solution to the problem. I asked her to have a manager listen to the XX/XX/XXXX phone call where I refused automated payments, and she said someone would do that and call me back. It has been over 24 hours and I have not received a callback yet. 

It is unacceptable and should be against the law to charge someone's bank account automatically without their permission, especially in an amount so much higher than the minimum payment due. I also believe it is unfair for me to be subjected to possibly significant financial consequences and hardship due to Citi 's error.
Product: Vehicle loan or lease

On XX/XX/XXXX, JP Morgan Chase received my pay off amount of {$19000.00} for the lease buy out ( lease XXXX ) of my XX/XX/XXXX XXXX XXXX XXXX XXXX VIN XXXX As of today XX/XX/XXXX, I have yet to receive this title. I have called Chase numerous times and they always tell me they either don't know where it is or that I should get it soon. 

This is unacceptable service.
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation per 15 U.S. Code 1666b Section 1637 ( b ) I am writing to request a reinvestigation regarding a debt reported on my credit report from XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXXXXXX ). According to 15 U.S. Code 1666b Section 1637 ( b ) states that you can not treat a payment as late unless they have adopted reasonable procedure designed to ensure that each periodic statement include information required therefore, information related to this debt should have been mailed or delivered to me no later than 21 days before the payment due date. Moreover, 15 U.S. Code 1681a states consumer report should not contain any information solely as to transactions or experiences between the consumer and the person making the report. I was not aware of this account before it was reported. I received no written communication regarding this account. If this account is not handle account to the law, I will have to take this matter to court. 
I kindly ask for a thorough review of this matter and the removal of any inaccurate information from my credit report. It has come to my attention that you failed to investigate that matter. 
Thank you for your prompt attention to this request.
Product: Mortgage

I have flood insurance and have submitted proof to the mortgage company TIAA and XXXX and they continue to add forces placed flood on my escrow. I have tried over 8 times to correct it and nothing gets done.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX, XXXX. XXXX. 

Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it.
Product: Debt collection

I have received a letter from XXXX XXXX XXXX XXXX stating that I owe them {$4200.00} for a Providian bank credit card. I was involved in a class action lawsuit that erased this debt and I received a payment from Providian.This was in the XXXX. Even if this is mine from Providian it is well beyond the statutes of limitations, and made invalid because of the deceptive practices employed by Providian Bank, So with that said I believe this is a violation of the FCRA or at the least a violation of Oregon State Unlawful Debt Collections Practices act. In order for a collection agency to collect debts from an Oregon resident the company must be registered and licensed by the state of Oregon, which this company does not posses, Therefore XXXX XXXX XXXX XXXX is not entitled to to collect OR attempt to collect ANY debt from myself.This action alone can result in severe statutory penalties by the state of Oregon.If this company has reported this to any credit reporting agency, this could constitute fraud on the collection agency 's part under both federal and state laws. This has been on my credit report in the distant past but has been removed due to the class action suit. This item has been bought and sold many times over the years and I am sure it is just cobbled information packaged to appear that it is a new debt by this company or and others. If they continue with this, then I am very happy to see them in court here in XXXX County Oregon. I do not believe that anything this company professes to hold can stand up to the scrutiny of a court room. This attempt is illegal on many front 's and I am tired of desperate companies trying to scam me and I am prepared to see them in a court room, in fact I ask for it. In short this company is in violation of both federal and state laws and I want this to cease. I am writing a letter to my state AG and the state of NV 's AG as well. I have looked this company up and they have an XXXX rating with the XXXX and there is at least XXXX complaints on rip off report, this company is an obvious scammer. On XXXX notes, concerning them, there is pages of complaints about this company and their attempts at scamming people across the nation.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I requested proof that the information was verified. XXXX XXXX- XXXX I do not recognize this account. Please REMOVE from my report. Please send back an updated copy of my credit report to the address listed on file. Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX