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

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.
Product: Debt collection

Westlake financial services refuses to take the account off my credit report. I already paid them going on 10 months ago and part of the deal was that the account would be taken off my credit report and they have not fulfilled their duty. Having this account on my credit report is still having a negative impact on my credit and my life. I cant get a loan for another car because of it I need this account taken off asap please please
Product: Credit reporting

On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau XXXX responded that key factors will not be deleted. Why? Experian responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each XXXX of these disclosure information pages appear to be identical to each other. I am shocked that XXXX of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from EXPERIAN XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.
Product: Debt collection

This Collection Agency Send Me A Bill That I Owed XXXX XXXX XXXX  This Amount, But I Got A Receipt That I Send The Equipment Back To Them. I Have Send This Collection Agency 2 Letters Asking To Investigate This With XXXX XXXX XXXX XXXX Present Moment Nothing.
Product: Debt collection

On XX/XX/2018 sent a letter to Receivables Management Partners , LLC located in XXXX XXXX, IL XXXX. I requested for RMP to provide me a copy of my signature with the provider of service with XXXX to release my medical information to RMP. In addition, I requested for RMP to cease any credit bureau reporting until the debt as been validated by me. 

On XX/XX/2018 I sent 2nd request for Receivables Management Partners , LLC to provide me a breakdown of fees including any collection and medical charges. In addition to provide me a copy of my signature with provider of service to release my medical information. It has been many phone calls after I demanded that the phone calls need to stop. I asked not to contact me by phone call only through via mail. They have failed to stop the phone calls after I have sent two letters to provide me with the information they are required to provide me under the Fair Debt Collection Practices Act ( FDCPA ). I am allowed under the Health Insurance Portability and Accountability ( HIPAA ) to protect my privacy and medical records from third parties. I have asked many times to provide me a contract with my signature that I have to pay them. All the letters sent to them were mailed as certified and return receipt to Receivables Management Partners , LLC. They have failed to provide me what is required to verify the account. I do not recall the fees and amount since I have asked the hospital with financial assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received a response from the credit bureaus despite several letters, nor have I noticed any modifications to my report. The bad items I've been contesting remain on my credit record. This is obviously a violation of federal law. Credit reporting agencies are required by FCRA 605b to remove/block any accounts included on an identity theft report. I've attached some documents to help with the blocking of the incorrect information on my report. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00}
Product: Payday loan, title loan, or personal loan

We applied for PPP2 loan which was approved and all documents and agreements were singed XX/XX/2021. We have not received the money to this date. ReadyCapital states that funds were rejected by our bank. XXXX XXXXXXXX XXXX shows no attempt to send money to our account. We have been trying to get in touch with ReadyCapital to sort this out, but nobody is answering the phone and emails are received with automated responses. We still have no money and we need the PPP Loan but can not even apply anywhere else because SBA shows we have received it already. ReadyCapital also processed our first PPP loan with them - without any issues.
Product: Debt collection

A letter has been sent to my adress stating that I have a balance of XXXX $ due to CBE GROUP debt collection from XXXX. Me and many other people as you could see from the XXXX review have received debt collection paperwork and have been affected negatively in our credit for non realistic debt, not only being false charges but un warned affects to our credit score. It is saying I am in debt with XXXX  although I have never been in any transactions involving XXXX nor buying or selling an item. I was aware of the situation today XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am filing a complaint against Experian and XXXX XXXX XXXX XXXX XXXX. An inquiry ( listed below ) was placed on my consumer report without my consent. I filed an FTC report ( # XXXX ) and sent Experian a letter demanding they remove the inquiries. Still as of today the XXXX of XX/XX/XXXX. Approximately 2 months after the initial letter was sent, the inquiry is still on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Pursuant to 15 U.S.C 6802 ( a ) NOTICE REQUIREMENT Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 U.S.C ( b ) ( 1 ) ( A ), ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was not given this disclosure to opt out, and I am demanding Experian remove the above inquiry from my consumer report, immediately.

Attachments : the cover letter sent for Inquiry removal FTC report filed Green receipt from Experian I suggest Experian remove this inquiry from my consumer report before I take legal action.
Product: Credit card

i used a XXXX servive through store added to bill used it when it should have freezed my account it showed deliinquent through credit bureau and XXXX also credit card came missing on a thursday night of XXXX friday noticed a high bill and requested print out of purchases given the run around and tolld i had to go to the corporate office in XXXX to get this info any other time i 've requested my info from any other place it generated out to me via the mail.
Product: Credit card or prepaid card

I applied for the US Bank Platinum Visa card using my physical street address of XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I instantly changed my address after the application process by logging into the US BANK online website and updated to my MAILING address of XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX. I then tried to contact US Bank on 17 different occasions and they refused to speak with me causing me to become very irritated and the representative then placed a suspicious fraud alert on my account even though I have verified ALL information and the representatives confirmed that the only address they have for me is XXXX XXXX XXXX. However, each time I call they state the address has not been changed and this is causing MAJOR issues. A US BANK representative by the name of XXXX XXXX then used her personal cellphone to contact me outside of business purposes on XX/XX/22 at XXXX XXXX  PST to tell me I am " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. US BANK will not respond to my correspondence and I fear for my life that they have allowed an employee access to my personal information and that this woman XXXX XXXX XXXX try to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The original credit line of this card was XXXX they are trying to say i owe more than XXXX i dont know from where or how
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Spotloan charges an interest rate of 490 % and I took an {$800.00} loan. The laws in Louisiana prohibit charging this amount of interest and APR. This was back in 2018. Now it is on my credit. I did not know the extra cost of the loan was that much.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXXXXXX XXXX Account number : XXXX Date XXXX Last reported date : XX/XX/XXXX Last active XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently reached out to XXXX XXXX XXXX after noticing a potential fraudulent account opened under my name. After reaching out the problem was never resolved nor have I heard anything back from XXXX XXXX XXXX. I explained that I have never owned this card nor did open or have access to this account and would like this removed from my credit.
Product: Mortgage

I already issued a complaint. The case # was  XXXX . You did n't do anything to help resolve this as the lender 's response did not address the issues. I am issuing another complaint hoping this time you do something about it. All you did was forward my comp laint to Ditech. How inefficient is that. What did you do to understand the problem and identify the resolution? Absolutely nothing. Maybe this time you can get it right.
Product: Debt collection

I resided at XXXX XXXX XXXX from XXXX XXXX to XXXX of XXXX is when I moved to XXXX Texas. The property manager for this location at the time name was XXXX XXXX. 

According to the company 's move out policy I did everything in compliance with supporting documentation that I was supposed to do ( Gave my notice for moving, Removed items from the Townhomes, cleaned the unit ect ). The property manager had on site grounds keeper that did the walk around with me and took photos of the unit. The documentation was supposedly given to XXXX XXXX in spite of the fact she still kept my deposit that was owed to me and falsely reported that the unit was in a terrible condition when I moved out. I moved out on Friday the XXXX of XXXX XXXX and another family moved in on Monday XXXX the XXXX XXXX. I was not able to come back to Minnesota to contest the accusations because myself being a single mother and moving to another state was impossible task financially, the property manager was aware of this at that time. However, I have attempted to contact the company directly numerous of times and on different occasions to take care of this issue. I kept getting the run around by the staff of XXXX XXXX XXXX because I did n't know the proper steps file with the false claim that the property manager made and yet not a positive response. 
I 'm asking for a someone to please look into this matter regarding the false claim that the property manager made and please let me know what I need to do to take care of the situation.

Thanks, A Very Concerned Petitioner
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding a delinquent reporting made by Santander Consumer USA. After paying this car loan for over 5 years this company is stating that the final payment on the loan was required at the maturity date there was an amount of {$100.00} that was due. I informed the office that no one sent me a letter stating that the loan was maturing and the payment would have to be made by that date because I would have sacrificed to pay it. As I informed the company we are going through a pandemic and even with the loss of income I have never been late with a payment. This reporting has reduced my credit score between 21 to 32 points amongst all credit bureaus and I contacted them and requested for this reporting to be deleted. The car has been paid off. I have explained that I am trying to financed another car because the current car is very old and is not operational. I have explained that this reporting is affecting me and they have completely ignored all request and are the least bit concerned about the issues. I have never been late with a payment, it was an oversight with the maturity date because this car was purchased over five years ago and Santander has never explained that it had to be resolved by the maturity date or else I could be impacted. Even with the pandemic they have dismissed all request. Im seeking CFPBs help in getting this matter resolved
Product: Vehicle loan or lease

I am requesting that this information be removed from my credit report. This company needs to provide me with the original paperwork for this loan. This has caused me an astronomical amount of stress and diminished my credit score. I am unable to purchase a vehicle with this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the multiple violations per the FCRA for inaccurate information being reported, Furnishing and Reporting Old Information, Furnishing and Reporting Inaccurate Information, Failing to Follow Proper Procedures, The CRA must conduct a reasonable investigation.Clearly my rights a consumer continue to violated. 
I am making factual disputes. 
2 accounts XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Exhibit A. ( Current Equifax report XX/XX/XXXX ) XXXX XXXX XXXX acct # XXXX is in violation for reporting inaccurately. 
( XXXX ) This is not an open ended collection account. 
( XXXX ) payment history is reporting inaccurately ( currently showing payments made XXXX, XXXX, and XXXX XXXX it shows 0 % of this account is paid off. That doesnt make any sense. 
( XXXX ) The balance transferred from XXXX XXXX is inaccurate. 
( XXXX ) First date of delinquency per XXXX XXXX and XXXX XXXX the first Date of Delinquency is XX/XX/XXXX. which means the statue of limitation has exceeded ( Exhibit B attached payment history from XXXX recieved from XXXX XXXX. 

XXXX XXXX XXXX ( XXXX ) reporting payments made in the XXXX which is not accurate. 
( XXXX ) XXXX XXXX has incorrect orginal balance I have complaints that date back to XX/XX/XXXX with confirmations listed below from Equifax stating this accounts are accurrate and verified. Please see list below : Confirmation # # XXXX Item reported on XX/XX/XXXX XXXX item reported in XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX XXXX shows a 1 date of Delinquency of XX/XX/XXXX when clearly that is inaccurate as well. ( see Exhibit B ) Exhibit D XXXX reported date of first XXXX as XX/XX/XXXX XXXX
Product: Debt collection

They repeatedly keep attempting to collect debt from me when it's impossible to pay for anything because there is no gold or silver in circulation. According to the UNITED STATES CONSTITUTION Article 1 Section 10. There has not been Gold or Silver in circulation since 1933.

I am asserting my right to discharge the entire amount. I have the right according to UCC and Creditor/Debtor Law, and according to HJR 192.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX, # XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, # XXXX XXXX XXXX  Account # XXXX XXXX Bank Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX The referenced accounts above have 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 : States that a consumer reporting agency can not furnish a account without my written instruction.