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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. State of mi office chi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of EdXXXX XXXX, ,XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Transcript Follow along using the transcript.
Product: Credit reporting or other personal consumer reports

Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry. 
XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Unathorized inquiry XXXX XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 

i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # FL XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX Account Number:XXXX  please update the status of this account to " paid on time ''. 

Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account Number:XXXX******** Please update the status of this account to " paid on time ''. 

Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX Account Number:XXXX  Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX  XXXX Account Number:XXXX  Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX  Account Number:XXXX  Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX******** Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX********** Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX Account Number:XXXX**********
Product: Credit reporting, credit repair services, or other personal consumer reports

Add Remarks to the following credit entries on my credit report. 
XXXX XXXX XXXX 1 ) Attempted to catch up on my past due payments in XX/XX/2017, but was told no by XXXX in a rude and threatening way. 
2 ) XXXX tried to use XXXXXXXX XXXX XXXXXXXX of XXXX to collect to past due amount but was attempting to collect a higher amount and violated the FDCPA. 
3 ) The Repossession company they hired breached the peace by illegally entering the house and made demands, they was told to leave immediately. 
4 ) XXXX still charges interest on this closed off account and shows i haven't made any payments before it went in to default status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter to have this closed account deleted/ removed from my credit reports. This XXXX XXXX account was closed XX/XX/18. I haven't heard anything from them and this violates the FCRA law that States, the bureaus have a responsibility to respond to consumers in a timely manner. This has caused my credit score to decrease and has caused stress and hardship on my family.I am I n the process of shopping for a home loan and have been denied credit.
Product: Debt collection

Subject : Complaint Regarding Debt Collection Practices Dear Sir/Madam, I am writing to bring to your attention an incident involving debt collection practices that have raised serious concerns regarding the handling of my account. On XXXX XXXX, XXXX, I received a call from a number, XXXX, allegedly from Hyundai Motor Finance, despite never having owned a Hyundai vehicle. Subsequently, on XX/XX/XXXXXXXX, my XXXX red Kia Soul was repossessed, as confirmed by Kia Finance of America, prompting me to retrieve the vehicle after paying {$100.00} in cash to the repossession company. 

Despite my attempt to halt the persistent calls by texting the aforementioned number on XX/XX/XXXX, the calls continued unabated. Consequently, I filed a complaint with the Federal Communications Commission ( FCC ) for violating the Telephone Consumer Protection Act. Furthermore, on XX/XX/XXXX, I received an email from XXXX, indicating an outstanding payment of {$660.00} and subsequently made a payment of {$1000.00} over the phone with XXXX, who couldnt verify the debt discrepancy. This complaint was filed under FCC Report Number XXXX. 

Efforts to verify the debt with the collection agency proved futile initially, with necessary documents being unavailable. Subsequent communications on XX/XX/XXXX and XXXX, XXXX, further highlighted discrepancies in payment history and customer communication, raising concerns about the accuracy of the debt. 

Upon contacting customer service on XX/XX/XXXX, I was transferred between departments without resolution, further exacerbating the situation. Despite receiving the requested documents, significant discrepancies emerged, including errors on the lease agreement, which listed an incorrect address with an incorrect city and a zip code that I never lived at or done business with. Additionally, the debt agency kept changing its name from Hyundai Motor Finance to Kia Motor Finance to Genesis Finance without providing a valid address or contact number to reach them. 

I kindly request your intervention to address these discrepancies and ensure compliance with consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Telephone Consumer Protection Act ( TCPA ). 

Thank you for your attention to this matter. I anticipate a prompt response and resolution to this issue.
Product: Student loan

I'm almost done with PSLF, but the endless forbearances and the back-and-forth between SAVE and IDR are dragging out a process I could have completed by now. Despite my repeated requests to finalize this, MOHELA and other right-wing actors are making it impossible for PSLF participants to finish the program. We are entitled to this. Do right by us.
Product: Debt collection

Westlake Portfolio Management and Westlake Finance violated law 15 USC 1692c ( a-c ), and 15 USC 1692g ( a-b ). By furnishing my credit report without my written consent of validation of the debt and communication with me on XX/XX/ 2023, the Consumer sent over debt valuation and cease letter where there was no response from either company. They continued to send bills to my mailbox and communicate via telephone and email as the consumer is on the DO NOT CALL list for the stated of GA. 15 USC 1692k speaks about damages of XXXX per violation and does not call Civil penalties of XXXX per federal violation and XXXX for state violation If this is not handled with care the next step will be to pursue A federal court case for the violations
Product: Debt collection

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Citicard XXXX XXXX XXXX debited my account XXXX  for the XXXX payment on the XXXX & XXXX for {$230.00} in error. They told me that they would refund the extra payment on XX/XX/year>. I've called multiple times and still have not received the refund. This caused me to be late on another bill & have XXXX items returned.They said they couldn't apply the refund to the XXXX payment. It is now showing that I am XXXX  days late on my payment and they reported it to the credit bureaus.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : spire recovery third party, Account name : penfed Account name : XXXX XXXX Account name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU XXXX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Payday loan, title loan, or personal loan

I purchased the XXXX Hyundai  I was leasing from Hyundai Finance They received my check on XX/XX/XXXX {$10.00}, XXXX I waited for the title to be sent and I called XX/XX/XXXX and was told they needed an odometer reading < I was never told that I received the form and faxed it 4 times and emailed once. They keep claiming they never received it I have fax verifications I even emailed the dealership XXXX  Hyundai ( they do not answer the phone ) no response I am at the end of my rope I do not know what else to do
Product: Credit reporting or other personal consumer reports

I have for years ask XXXX by phone to remove the he false advertisement that illegal XXXXXXXX XXXX  mortgage scam XXXX XXXX XXXX fake XXXX XXXX and both XXXX on your records whereas century 21 XXXX XXXX XXXX XXXX XXXX claiming a sale for my property occurred XX/XX/XXXX for XXXX where as his corrupt attorney XXXX XXXX XXXX XXXX says they purchased on XX/XX/XXXX for XXXX and convinced judge XXXX XXXX XXXX XXXX XXXX XXXX did. I file grievance against her as XXXX XXXX XXXXXXXX pending since XX/XX/XXXX. He also cash two escrow account checks in my name one on XX/XX/XXXX and one was Mail out XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX said a guy name XXXX XXXX are lying saying XXXX XXXX has clear title but are no clear title in the file for loan XXXX. XXXX concluded tradelines XXXX XXXX  resolve XX/XX/XXXX. Other false information by XXXX XXXX on loans and the courts included he used two fake titles one as computer professor at schoolcraft college and doctor in XXXX to which both I reported and he got fired. Also to XXXX XXXX are informed by chase identity theft department XXXX XXXX XX/XX/XXXX XXXX he stole my identity and he assigned claim XXXX and I reported the stolen checks to XXXX police as XXXX to det. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX XXXX and XXXX  - XXXX  XXXX  XXXX. Please remove these accounts ASAP.
Product: Credit card

Without notice or prior warning, Citi closed my credit card account. I had no balance and was a faithful customer for over 15 years. Upon learning this I called the morning of XXXX XXXX to dispute this decision. I asked to speak to a manager and was notified I would receive a call within 24 hours, perhaps the same day. More than a week later, I 've heard from nobody. Poor service and treatment of customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address reporting on my credit profile. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. All other address need to be removed immediately. These inaccurate address on my credit profile create identity theft risk and mail being delivered to wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX/Dept Of ED : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear XXXX XXXX EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Student loan

I have sent THE U.S. Department of Education Notices in the mail Certified Return Receipt and requested information on XX/XX/year> and today, XX/XX/year> I received the return receipt back. Just confirming with the CFPB and The Dept. of Education located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my own private records that they do in fact send the correct information and in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house later this year so today XX/XX/20 I had my credit ran to see if I could get pre approved for a home loan however, when my credit report came back, I was told I did not get approved because there are several accounts in negative standing on my credit. I looked through my report and I saw the accounts in negative standing but none of them were opened by me. Those accounts do not belong to me and I did not allow anyone to open them using my personal information such as my ID, social security number, name, etc. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I don't know who is responsible for these accounts but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Credit reporting or other personal consumer reports

I am following up on my recent complaints via the Consumer Financial Protection Bureau ( CFPB ) regarding my request to remove several negative accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Im seeking your assistance with the incorrect account reported on my credit. This issue has hurt my reputation, and I need your intervention. Your handling of my credit report has left me devastated, and the incorrect reporting has damaged my reputation. Please correct these mistakes so I can continue living peacefully with my family.