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

On XXXX I tried to finance an XXXX at XXXX XXXX XXXX and the advisor who helped me told me that there was no bank that would help me finance the XXXX because of a debt collection I had of {$590.00} of a medical bill but I had investigated the debt that I supposedly owed through the XXXX XXXX and XXXX XXXX and told me my debts were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you delete certain items from my credit report. I understand that you have furnished information to credit reporting agencies regarding my account, but I never gave you permission to do so. As such, I believe that your actions violate federal law, specifically 15 USC 6802 ( b ) and 15 USC 1681b ( a ) ( 2 ).

Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to furnish information to credit reporting agencies with the consumer 's explicit permission. By furnishing information without my consent, you have violated my rights under the FCRA. Furthermore, this constitutes grounds for identity theft under 15 USC 1681c-1.

I would also like to draw your attention to 15 U.S Code 1681a ( d ) ( 2 ) ( i ), which requires that credit reports contain information solely as to transactions or experiences between the consumer and the person making the report. By reporting information that was not authorized by me, you have also violated this provision of the law. 

As a result of your actions, my credit report has been negatively impacted. I request that you take immediate action to remove any unauthorized information from my credit report. I also ask that you provide me with written confirmation that you have done so within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Notice of Identity Theft and Request for Removal of Fraudulent Accounts Dear EXPERIAN, I am writing to formally notify you that I am a victim of identity theft and to request that you take immediate action to block and remove the following accounts from my credit report. Additionally, my personal information was compromised in the XXXX data breach, further exacerbating my situation. 

The accounts that require immediate attention are as follows : 1. [ XXXX ] Account Number : [ XXXX ] Creditor : [ XXXX  ] Date Opened : [ XX/XX/XXXX ] 2. [ XXXX ] Account Number : [ XXXX ] Creditor : [ XXXX ] Date Opened : [ XX/XX/XXXX ] 3. [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX : [ XX/XX/XXXX ] 4. [ XXXX XXXX XXXX ] INQUIRY XXXX 5. [ XXXX XXXX XXXX ] INQUIRY XXXX 6. [ XXXX XXXX XXXX ] INQUIRY XXXX 7. [ XXXX XXXX ] INQUIRY XXXX 8. [ XXXX XXXX ] INQUIRY XXXX 9. [ XXXX XXXX XXXX ] INQUIRY XXXX 10. [ XXXX XXXX XXXX XXXX 11. [ XXXX XXXX ] INQUIRY XXXX 12. [ XXXX XXXX ] INQUIRY XXXX 13. [ XXXX ] INQUIRY XXXX 14. [ XXXX XXXX XXXX ] INQUIRY XXXX 15. [ XXXX XXXX XXXX XXXX ] INQUIRY XXXX 16. [ XXXX XXXX XXXX XXXX ] XXXX XXXX 17. [ XXXX XXXX XXXX ] INQUIRY XXXX 18. [ XXXX XXXX XXXX ] INQUIRY XXXX 19. [ XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX 20. [ XXXX XXXX ] INQUIRY XXXX 21. [ XXXX XXXX XXXX XXXX XXXX XXXX ] INQUIRY XXXX 22. [ XXXX XXXX XXXX ] INQUIRY XXXX 23. [ XXXX XXXX XXXX ] INQUIRY XXXX 24. [ XXXX XXXX XXXX XXXX XXXX XXXX ] INQUIRY XXXX 25. [ XXXX XXXX XXXX ] XXXX XXXX 26. [ XXXX XXXX XXXX XXXX XXXX 27. [ XXXX XXXX XXXX ] INQUIRY XXXX 28. [ XXXX XXXX XXXX ] INQUIRY XXXX 29. [ XXXX XXXX XXXX XXXX ] INQUIRY XXXX 30. [ XXXX XXXX ] INQUIRY XXXX I have taken the necessary steps to report the identity theft to the Federal Trade Commission ( FTC ), and I have also filed a police report regarding this matter. A copy of the police report and the FTC Identity Theft Affidavit are enclosed with this letter for your reference. 

Please block and remove these fraudulent accounts from my credit report as required under the Fair Credit Reporting Act ( FCRA ). I would appreciate your prompt attention to this matter and request that you confirm in writing once the accounts have been blocked. 

Thank you for your immediate attention to this serious issue. Should you need any further information, please feel free to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX Enclosures : - Police Report - FTC Identity Theft Affidavit
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$450.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting or other personal consumer reports

rights violations as well as deprivation of rights please see attachment
Product: Debt collection

Dear Sir/Madam, I am writing to formally report a matter of great concern related to my credit report. An account that I do not recognize, managed by a collections agency called Midland Credit Management, has appeared on my credit report. I firmly believe this is a fraudulent account and it has negatively impacted my credit score. 

I first became aware of this issue a few months back. Despite not having any knowledge of the debt, I contacted XXXX XXXX to investigate. However, they have been unable to provide me with sufficient information to validate the debt. 

According to XXXX XXXX, the fraudulent charge first appeared on XXXX I have not entered into any agreement or incurred any financial obligation that could justify this account, nor have I received any form of communication or warning regarding this debt before it appeared on my credit report. 

I understand the serious implications of credit fraud and the profound impact it can have on an individual 's life. Therefore, I kindly request your assistance in this matter. Please treat this case as a potential fraudulent activity, and help me in rectifying this issue as soon as possible. 

As required, I have also sent a dispute letter to the credit reporting agencies, challenging the accuracy of this information. I am also keeping a vigilant eye on my accounts and credit reports for any other suspicious activities. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, protect consumers ' rights, and take appropriate action against any fraudulent activities. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the past three months, I have taken the initiative to escalate my issue by creating two separate accounts with the Consumer Financial Protection Bureau ( CFPB ) and submitting identical complaints to the same company in the hopes of expediting the resolution process. The crux of the matter revolves around an erroneous late payment notation on my Capital One account, which I firmly believe is inaccurate. Despite my efforts, which included providing numerous supporting documents to both the data furnisher and the creditor to demonstrate that I made payments on time, the issue remains unresolved. I am diligently seeking a resolution to this problem and sincerely hope that this current complaint will be the final one I need to submit in order to rectify the situation and clear my record of any inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There were alot of errors on my credit report. I submitted a dispute addressing the errors but after submitting the letter the accounts were verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove this address asap, that you have inaccurately input in my credit. I have not lived or stayed in this addresses never. 

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

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ) Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card

I applied for a capital one secured credit card using my passport and itin number. Then I closed the account because I couldn't use it, but they didn't refund my deposit. My account number is XXXX My ITIN XXXX Passport at the time of application is XXXX And keep asking me to provide files that I don't have.
Product: Vehicle loan or lease

In XXXX I opened a loan with XXXXedit Acceptance, I was told by the car lot that because of my credit position that this was my only option and that after a year of payments, I could come back and they would refinance my loan. The car lot was extremely pushy and after reading some of the articles about how Credit acceptance operates, I am willing to believe that the car dealership received some money from credit acceptance from my signing up with them.

But because I was in a situation where I desperately needed a vehicle, I went ahead and agreed to the loan. I purchased the car for {$14000.00} with an APR of XXXX  %. Although the amount was too high for my income, I went ahead and stressfully made payments. In XXXX I lost my job because of COVID and fell behind in payments. Credit Acceptance eventually came out with a statement and said that since we were in a global pandemic they would waive the late fees and be willing to make payment arrangements. I was not in a predicament to make payments but I settled on {$100.00} a week because I was fearful of having my vehicle repossessed. The total payment arrangement was {$400.00} a month when my actual car note was supposed to be {$390.00}. So even then it was more than the payment amount. They began to harass me and call all of the time saying that my vehicle was in danger of being repossessed unless I increased the payments. So I went up to {$120.00} a week which was {$500.00} a month that I really didnt have at all but again was fearful that they would repossess my car. I had to call them back and we eventually settled on a payment of {$200.00} twice a month. Ive been faithfully making payments to them every month, but they are still reporting my account as derogatory and past due even though Ive tried to make arrangements and I do make on-time payments. Recently I have requested a payoff amount with them because I am wanting to refinance this loan. The payoff amount was roughly {$8000.00}. I believe that this is completely unacceptable because I have given Credit Acceptance {$19000.00} in payments for a {$14000.00} vehicle. I am filing a complaint with you all because this is a nightmare situation to be in, and I would love to be able to just have the title to the vehicle without paying so much for a payoff.
Product: Vehicle loan or lease

My deceased husband passed away on XXXX XXXX XXXX  in an accident. I contacted Kia Finance and gave them this information, a copy of his death certificate and our marriage certificate. There was not a will, trust or probate due to the assets being below XXXX XXXXXXXXHe did not include me on the lease however, he did sign the Marital Purpose doc indicating that he is married to me and that I'm responsible should he not make the payments. I've been paying the lease from my account since XXXX passed away. Kia Finance is now saying that they never received the documents 2 1/2 years ago. I've sent them the docs 2 more times. The lease is up on XX/XX/XXXX. I have been trying to get the amount required to buy the vehicle and where to send it. They will not give me that information. They insist that I need to go to probate however my attorney and the County Court system is saying that probate is not required due to the few assets. I've contacted Kia XXXXXXXX XXXX XXXX  and they will not help resolve this either. 
I am a single mother of XXXX XXXX XXXX XXXX XXXX XXXX. I think they want the vehicle back and I will be left without a car. PLEASE help me!! I'm desperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am coming to you to talk about an account listed under my name and social that I noticed does not belong to me. I have sent several letters to the XXXX, XXXX, XXXX, and Equifax to fix it. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted them so it could be resolved before I ask for payment for violating my consumer rights. It is my understanding that per XXXX USC XXXX ( XXXX ) Validation of Debts that only way an account can be validated is by speaking with the original creditor and I am the original creditor. There are addresses that I never lived at or even provided the information that I did live there. A company or corporation can not tell me where I lived nor can they verify that in any way. I want my credit report updated to reflect true valid information.
Product: Debt collection

This company is trying to collect {$1800.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report as I do monthly. I saw 5 hard-credit inquiries on Experian. looking further I saw 2 on XXXX, and 3 on XXXX. The dates are between XX/XX/XXXX and XXXX. I contacted XXXX XXXX in which I have an account and they were very helpful. They said someone online requested an auto loan. 
The other banks in which I don't have accounts they were much less willing to help. They were XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Seeing that 7 different banks were contacted in three days requesting loans I am very worried about identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a collection account over one month ago. It was with XXXX XXXX XXXX, XXXX. When I paid this off they said that this item would be fully removed from all credit agencies. I have an email and letter confirming both. Experian is incorrectly documenting this item even though XXXX is telling them otherwise. The item shows a {$0.00} balance when in fact it should be deleted. This was paid off over 30 days ago and should be removed completely.