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

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I didnt give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX  XXXX {$6900.00} XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$41.00} XXXX XXXX XXXX {$39.00}
Product: Debt collection

Since on or about XX/XX/2021, I have been trying to get this issue resolved with the XXXX company. They are a financing company. I used them to finance a 65 ' TV that was purchased from XXXX ( Not in the store ). The tv was purchased in XXXX 2021. Unfortunately, I was in a major car wreck that almost took my life! Due to my recovery time and still attempting to recuperate from my car wreck, I was not able to unbox the tv until XXXX XXXXAt that time I discovered that the tv was broken! I called XXXX several days throughout the month and was repeatedly placed on hold for exuberant amounts of time 20 minutes and longer. At the same time, usually on the same day, I would contact XXXX to advise them of the situation concerning the broken tv.. Each time I would speak to someone in Customer Service XXXX XXXX they acted like they understood what I was talking about and then they would tell me what they " thought '' I said and it was not correct! I would call repeatedly and the same situation would occur. I was told by XXXX CSR that I would need to get a refund from XXXX and they the XXXX CSR would say I need to get a refund from XXXX. XXXX has been attempting to collect payment from me for a tv I received that was broken, yet due to the continual problems that I have experienced, I did not make the payments. For the past 3 months, XXXX has been sending me emails advising me to submit proof of purchase, proof of broken tv, etc. I submitted the requested information and they still continued to send these emails. Now they have CHARGED OFF the balance {$320.00}. This has severely effected my credit. I am unable to purchase a vehicle because of this erroneous situation that they are reporting. Even though they have charged off the account I am STILL getting HARASSED with emails from XXXX Now, I am being harassed via email and text message from True Accord, I think that is the collection agency that purchased the account. This is absolutely ridiculous! XXXX is the worst finance company I have ever worked with. I need this situation resolved immediately! I need my credit corrected of all late payments and charge offs. I need to be fully refunded all of the money that I paid ( Totaling : {$250.00} )!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and i have a number of inquiries on my Experian credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights.

I have added a fraud alert on my account, police report and FTC Identity theft report was submitted prior in reference to these inquiries. during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. 

I would like these fraudulent inquiries deleted from my credit file immediately XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding multiple accounts that have been fraudulently opened in my name. These accounts are the result of identity theft and I have already taken steps to report this fraud with the credit reporting agencies, but the fraudulent accounts are still present on my credit reports. I am requesting your assistance in investigating these fraudulent accounts, ensuring that they are removed from my credit file, and that my rights as a victim of identity theft are respected under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the accounts that were fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TransUnion Account Number : XXXX XXXX Account Number : XXXX XXXX Account XXXX : xxxx* Balance : {$60000.00} XXXX XXXXXXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Card All XXXX Bureaus Account Number : XXXX XXXX All XXXX Bureaus Account XXXX : XXXX XXXX  All XXXX Bureaus Account Number : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX TransUnion Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : xxxxx Balance : {$60000.00} XXXX XXXX TransUnion Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  All XXXX Bureaus Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) TransUnion Account Number : XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : xxxxx Balance : {$11000.00} XXXX XXXXXXXX All XXXX Bureaus Account XXXX : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Debt collection

CFPB TAKE NOTICE, THAT THE CEASE & DESIST WAS RECEIVED BY VELOCITY INVESTMENTS , LLC VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1692c ( c ). OF THE FDCPA STATUTE IS CLEAR. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the XXXX XXXX XXXX XXXX XXXX addressed the scope of a consumer 's cease and desist request under Section 1692c of the Fair Debt Collection Practices Act ( FDCPA ). The court clarified that such a request obligates the debt collector to cease all forms of communication with the consumer regarding the debt, including communications with third parties like credit reporting agencies. This interpretation underscores that a consumer 's cease and desist request under Section 1692c requires the debt collector to halt all communications related to the debt, including those with third parties such as credit reporting agency THE FDCPA DEFINES COMMUNICATIONS AS TO INCLUDE ANY AND ALL FORMS, IN ANY MEDIUM OR FORMAT TO ANYONE INCLUDING MYSELF OR ANY THIRD PARTY. IT STATES ALL COMMUNICATIONS AND COLLECTIONS ATTEMPTS MUST CEASE. IT ALSO STATES THAT A CONSUMER HAS A RIGHT TO REFUSE TO PAY A DEBT WHICH I CLEARLY WROTE IN MY CEASE AND DESIST LETTER. COURTS HAVE RULED REPORTING TO CONSUMER REPORTING AGENCIES AMOUNTS TO COLLECTION ATTEMPTS AND AMOUNTS TO THIRD PARTY COMMUNICATION. SO AS DEBT COLLECTION COMPANY ARE GOVERNED BY THE FDCPA, THERE IS NOTHING IN THE FCRA OR FDCPA REGULATIONS THAT GRANTS A DEBT COLLECTORS THE ABILITY RO IGNORE A CONSUMERS RIGHTS UNDER WHEN A CONSUMER IN WRITTING INVOKES 15 USC 1692c ( c ). THE REPORTING, COMMUNICATING, AND COLLECTIONS ELIGIBILITY CEASES UNDER THE FDCPA WHEN A CONSUMER INVOKES 15 USC 1692c ( c )
Product: Vehicle loan or lease

Im having a problem with getting my car out of the body shop the lender to whom I pay my car note through keeps giving me the run around about no receiving documents my car has been finished with the repairs since Monday XX/XX/XXXX. The lender ( Santander ) whom I pay my note through said that they received the documentation but was waiting for it to be reviewed I called them today Monday XX/XX/XXXX to check in on my paper work they claim that theyre missing paperwork before the paper work was sent off I made sure to call Santander on three way with the body repair shop XXXX XXXX XXXX La ( XXXX XXXX ) they confirmed that they had the documents. But today one of the guys whom Ive talked to said that it was false information Ima very upset behind this I dont know what to do because now theyre saying that if they dont receive the proper documentation form XXXX, then the check that they have will be put towards my car balance to reduce it..! Im paying out off pocket too much money on a rental when I can be riding in my own vehicle which is just sitting up at a collision center.. Ik this May not  fall under this complaint, but I didnt know where to go to file my complaint about my Lender ( Santander consumer )
Product: Debt collection

This complaint is about XXXX XXXX XXXX and SW Credit Systems, XXXX 's false allegation that I owe {$66.00} to XXXX, XXXX 's false communication to a debt collection company ( SW Credit Systems, XXXX, TX ) that I owe {$66.00} to XXXX, the resulting negative report that SW Credit Systems made to a credit reporting agency ( which had a negative impact on my credit score ), and SW Credit Systems ' negligent failure to validate that I actually owed anything to XXXX. <P/>Here 's the backstory : 1. I opened an internet service account with XXXX in XXXX 2015. The service was to my home at the address listed at the end of this complaint. <P/>2. From that date I timely paid my monthly subscription fee to XXXX by direct debit for about one year, after which XXXX terminated my service for failure to pay an alleged debt of {$66.00}. <P/>3. At some point in between XXXX 2015 and the service termination date, XXXX unilaterally raised my monthly subscription fee. I was unaware of that unilateral action, and XXXX did not obtain my agreement to it. <P/>4. Instead, XXXX continued to accept my monthly direct debit payment for the amount that we had agreed in XXXX 2015. And each month XXXX added to my alleged " debt '' the difference between what I paid and the increased subscription fee. That continued until the unpaid balance of the unpaid " debt '' reached {$66.00}, after which XXXX terminated my service and turned the " debt '' over to SW Credit Systems for collection. <P/>5. After my service termination, I contacted XXXX and learned what had happened ( i.e., the events described above ). I disputed the charge and was told that it would be investigated. I never heard back from XXXX. <P/>6. Instead, I was contacted by SW Credit Systems. I of course refused to pay, and explained to them what had happened. They filed a negative report with a credit bureau about the unpaid " debt, '' and refused to remove it when I contacted them and again explained what had happened. <P/>7. Today I again contacted XXXX and spoke to several customer service representatives, all of whom failed to make any progress in removing the negative report from my credit history.
Product: Credit card

I have an Express credit card from Comenity Bank. I have never bee late on the account. I hardly use the card as I dont shop often. Today I tried to use it for two items and showed can not complete the transaction with the payment choice. Upon calling the customer service, I found out through an automated message that my account was closed and it said " account closed can not be reopened '' and hangs up on me. Not even a way to talk to any one. 
I have never been late, hardly use more than 10-15 % of my credit line. I never closed the account. they just did it without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I took a XXXX dollar 84 month installment loan from XXXX XXXX through XXXX XXXX XXXX. I used XXXX dollars of the XXXX loan to make purchases at XXXX XXXX. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX/XXXX XXXX has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.
Product: Debt collection

I stopped using XXXX prepaid wireless service on the XX/XX/XXXX. On XXXX/XXXX/XXXX I contacted XXXX to reconcile my account because they had deducted money for the month of XXXX even though the service was discontinued. They reviewed the account and told me the account is reconciled and i don't owe them anything. I took some snap shot of the conversation i had with the representative by name XXXX. Then last week i saw my credit score dropped by more that 100 points so I requested my credit report only to find out XXXX has reported that i owe them {$130.00} and its in collection and showing as an adverse report on my credit.I contacted XXXX to fix the error and they requested the snap shop of the conversation which I did but nothing have been done since. I never defaulted on any payment with them and i would gladly pay if I owed any XXXX to them I asked the representative to check the record on XX/XX/XXXX and she told she cant. Why would a company like XXXX not have a record of customer discussion on file? is it so they they can prey on poor people like me with claim of no evidence of any communication? Please look into these because i believe probably there are several people who have suffered this plight. I live paycheck to paycheck but i have tried so hard to ensure my credit is good only for XXXX to just ruin everything because of their greed and lack of documentation. This is not right and i hope I can get answers from you. Thank you
Product: Debt collection

I took out a auto loan from Santander in 2016. I will Admit the payments for about two months behind. I caught them up through a wire transaction. The next month recieved a bill for XXXX dollars again and my payments were only XXXX. They then processed to have my car repoed gave me a certain time to come up with payoff repoed my car almost 3 weeks early. Ruined my credit. OverchArged fees, never recorded payments. Sold my car at Auction for a little over 3 k and are now suing me for supposed XXXX k. I have no car my credit is ruined and god bless me these crooks have lawsuits from here to next Sunday I do not understand how they are still in business. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ experian ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XXXX ], I discovered discrepancies in the following account ( s ) : 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX - XXXX 3.XXXX XXXX XXXX - XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect and inaccurate items on my credit report it has been well over 30 days and I haven't received any investigation results.
Product: Credit card

My Bank of America credit card account was closed without prior notification/warning. I tried to use my card on Thursday, XXXX XXXX, 2015 and it was declined. I called Bank of America customer service, waited 38 minutes, and was transferred 4 times. The last person I spoke to proceeded to tell me that they were missing some information in regards to my citizenship, that they sent out a letter requesting this information and received no response, therefore my account was closed. I never received a letter, an email, a single phone call from the bank requesting this information. I had recently requested a credit line increase which was approved, about a couple of weeks prior to this. All of my payments have been made on time during these last ten years, and my balance was about 10 % of my credit limit. 
The solution offered was to re-run my credit to reinstate my account - which I declined since I never requested my account to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I 'm filing a complaint on company of citi a credit card company. three months back they gave me letter stating fraud took its place so they froze my account. the company wo n't activate my credit card and my account. 


so out of those three months I try to fix the problem butt the  workers in the manager who works for the company keep on giving me a run-around.I did n't contact the credit card company to use dear servicet they came to me.so now they want me to pay a credit card balance a balance that I did n't do. 
I answer all the security questions they ask me.and tell him I 'm dealing with another bank and they still wo n't activate my account.the company 's keep on telling me I 'm dealing with two agencies
Product: Checking or savings account

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Product: Credit reporting or other personal consumer reports

This company refused toprovide proof of debt and proof of charge off they are continually marking the account as charge off when you can only charge the debt off one time I'm asking the company to remove this inaccurate information off my credit report the charge off should be removed since the information is incorrect capital one charge card
Product: Debt collection

Merchants Credit Guide is NEGATIVELY REPORTING THAT I OWE A DEBT on my credit report that I knew nothing about I reached out to the company several times and have sent letters when I found out about the Debt and was never contacted back. Also the company is Inaccurately reporting the Debt on my credit Report, ( The date Last Active is Incorrect/inaccurate ) ( The date last Reported is incorrect/inaccurate ) ( The date opened is incorrect/inaccurate ) Therefore this Debt Should be Deleted immediately, it is negatively affecting My Mental Health my ability to build Credit and my ability to get credit I have been dealing with these for several years and now I'm ready to seek litigation. I would like this debt deleted immediately. 
According to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Thank You.