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

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Transunion accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion also has has all these names on the file that has nothing to do with me XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy TransUnion accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Bank Of America place inquiry on my credit without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a debt that your agency claims I owe. Under my rights as outlined in federal law, specifically 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request written validation of this debt. 

Please provide the following information : 1. The original contract.

2. The amount of the debt.

3. The name of the original creditor.

4. A detailed explanation of the debt, including any interest, fees, or additional charges. 

Under 15 USC 1692c Debt Collectors can not discuss the debt with third parties without the consumers consent, except to obtain location information. I request that all collection activities cease. 

Additionally, I would like to highlight 15 USC 1681b of the Fair Credit Reporting Act ( FCRA ), which prohibits obtaining consumer credit information through false pretenses. Any attempt to misrepresent this debt could result in legal consequences for your agency. 

Please treat this letter as a formal dispute of the debt in question. I request that you cease all communication with me regarding this matter until you have provided the requested validation. 

I expect to receive this validation within 30 days of the date of this letter. This ongoing situation has prompted me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld. 

Thank you for your prompt attention to this matter. 

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

XX/XX/2023 a certified notarized letter was mailed to Equifax priority mail requesting to verify the following account ( XXXX ). Equifax did not respond in the 30days time frame by law regarding this account. A second letter was mailed out informing them that the account needs to be verified for accuracy and to furnish the verified proof. I called Equifax on XX/XX/2023 to check the status of the dispute and they informed me that the account was verified. I requested that the verified proof be sent to me by mail to confirm the accuracy, they stated that did not have it and that i need to contact the creditor. I informed them that my consumer rights have been violated per the FCRA Sec 609 A and to remove the account. Equifax have not yet to take action with removing the account.
Product: Vehicle loan or lease

On XX/XX/XXXX I financed a car through Credit Acceptance Corp. A small car deaIership XXXX XXXX XXXX but all the paperwork has XXXX XXXX XXXX. I was told the cash price was XXXX then I was told the price of this car was XXXX, but if I financed it. The finance company makes the amount based on the XXXX XXXX value. I was charged XXXX as well as they included GAP insurance which I didn't agree on for XXXX. One XX/XX/XXXX the check engine light came on as well as the passenger airbag disabled. I texted the salesmen a picture and told him I was not satisfied with this car. He said call the service department. On XX/XX/XXXX the car lost power on the beltway about 50 miles from my home. I had the car towed to the nearest repair shop for diagnostic {$170.00}. The repair shop called the car has water damage to one of the main computer modules and the 02 sensor needs repairing the total cost is XXXX. Not to mention the passenger and exterior light problem light. The servicemanager/owner has requested that I have this car towed back to him at my expense which is XXXX. He will look at it and honor his 50/50 limited warranty. which I would have to pay half as well. CAC said I'm still obligated to pay for this car.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 items 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX  ) 100072****Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I contacted Equifax on XXXX to inform them that I have been a victim of identity theft. I'm an XXXX XXXX  and my information was compromised in a data breach from the Office of Veteran Affairs. I have inquiries and accounts opened in my name without my permission. The inquiries are Equifax Mortgage SER XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax Mortgage SER XX/XX/XXXX, XXXX I'm attaching my letter that I sent to Equifax with supporting documents. 
I filed a police report and forwarded it to Equifax making them aware of what has happened. Equifax has ignored my request to remove the inquiries from my credit report. At this point I'm looking to remedy the situation before I ask questions to legal council.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Investigation Request Letter To Whom It XXXX Concern : I received a copy of my credit report since I have been receiving several calls from lenders saying that someone is trying to open bank accounts in my name. And I notice that there are some inaccuracies on my personal credit reports. And I recently read that the Fair Credit Reporting Act gives me the right ( by law ) to challenge anything that is not 100 % accurate on my personal credit report. 

Now I am asking for a FULL INVESTIGATION and PROOF from the account holder XXXX XXXX to show how I was late for the months of XXXX, XXXX, XXXX, and XXXX of 2019 when I had applied for refinancing but kept making payments. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof then these XXXX XXXX ( XXXX ) accounts must be deleted. So, I am requesting them to be deleted because they are NOT 100 % accurate. So, could you please investigate and get back to me? I know from reading an FCRA lawyers site that you have 30 days to complete this investigation. 

Again, investigate these accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$15000.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$9500.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Can I get an updated report after your investigation? You can use the above address ( same as my ID ) Thank you for your time and help XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates contacted me via written correspondence and telephone in attempt to collect a debt allegedly belonging to me and all past the statute of limitations. I sent a cease and desist letter to Portfolio Recovery Associates via certfied mail. Tracking confirmed an agent of Portfolio Recovery Associates received the letter on XX/XX/2023. 
I continued to receive daily phone calls. On XX/XX/XXXX, I sent an email to XXXX with a 2nd written request to cease and desist communication. Portfolio Recovery Associates continues to call.
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 : XXXXXXXX XXXX XXXXXXXX Account Number : 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: Mortgage

Company : XXXX Lakeview Please help us! 

You helped us in the past with this company. They used our Escrow money from our mortgage to pay taxes for a different lot #, Which lead us to receive several Delinquent Tax notices and notice our " DELINQUENT '' taxes would be auction off. 

After multiple attempts that I called personally to get this fixed. You reached out to them in the past which lead to them finally paying the 3 Quarters of taxes they did not pay. 

After we thought this was finally resolved. Our next Statements from Lakeview showed our escrow in a negative balance. So you call the mortgage company again ; they told us not to worry about it everything is fine and our account is update date. Now with the new year we get notified our Escrow account to go into the negative by {$3000.00}. Stating we have no escrow to pay our Taxes, etc.So they made our Monthly payments higher stating we have no money in our escrow account!! We pay on time every month. 

Accord to what I see here never fully fixed the first issue as they stated they did. Lakeview informed us it would come out of their own money. Since, it was them who used our Escrow money to pay another lot #. We noticed the money they so call paid our Town taxes with to solve this issue came out of our escrow again! Which lead to the negative {$3000.00} for us this new year. We never saw the adjust for the mistake they made never put back to our account. Each time we called they just told us " Yes, I see on the statement a negative balance. But in our records everything is okay and up to date. We just need to show that on the statements for records ''
Product: Vehicle loan or lease

Company is trying to justify their predatory interest rate payments, as nonpayments. Credit acceptance can not provide the purchase order for the car. That allowed the dealer to falsify documents concerning XXXX  XXXX  payments included in my monthly bill and down payment on the vehicle. When I tried to return the vehicle voluntarily, I called credit acceptance and they informed me that Id still be liable for the balance on the vehicle because I drove it off the lot. So, this compelled me to remain with the vehicle and its overly high interest rates. Credit acceptance is asking me to pay them {$900.00} XXXX  to settle the account. Which is 80 % discounted. What company is willing to take on a 80 % loss just to close an account if they didnt already assume a profit from the contract that was breeched from the start.
Product: Debt collection

I had a loan with XXXX that went into collections with XXXX XXXX supposedly in XX/XX/2020 I didnt know anything about this until it showed up on my credit report in XXXX. I tried all XXXX to get in touch with them and could not and today I finally did and they have transferred the account to Diversified Recovery Bureau so I called them today to get the account number to set up a payment plan and she threatened me and said if I didnt pay it all today I would be sued and they had the paperwork ready. I informed her I was not going to do that and hung up. I then got on their website and emailed them to get the account number which they complied and I made XXXX dollar payment, they continue to send me letters demanding the whole amount immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I contacted Transunion and the basically said if pay for their monitoring service then they would consider my request more seriously other than that they wanted more proof that I was me I am attaching exactly the letter that I sent to them along with my ID. I want this resolved as soon as possible
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue with unauthorized and unverified bankruptcy and tax lien information listed on my credit report. Upon reviewing my credit report, I discovered these public record items, which I did not authorize and which were not properly validated according to the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 5 ), which requires that " If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' I contacted the County Recorder of Deeds and the U.S. Bankruptcy Court, and both entities confirmed that they do not provide validation or confirmation of public record information to credit reporting agencies. Additionally, these agencies clarified that they do not verify or validate the public record entries themselves but rely on third-party sources to report such information. 
In accordance with the FCRA, I am requesting that the bankruptcy and tax lien entries be immediately removed from my credit file. These entries are unverified and not in compliance with federal regulations. The credit reporting agency has failed to validate these public records as required by law. The information provided by the third-party reporting sources was never confirmed or validated by the original record holders, and this constitutes a violation of the FCRA, particularly Section 609 ( a ) ( 1 ) ( a ), which mandates that credit bureaus verify all public record information through original contracts or judgments. 
I request that you provide me with copies of all documentation relating to these public record items, including any court orders or signed authorization forms that would have allowed the inclusion of this information on my credit report. If such documentation can not be provided, I demand the immediate removal of these entries from my credit file. 
In accordance with the FCRA, you are required to complete this investigation within 30 days of receipt of this letter, as stipulated under Section 623 ( a ) ( 3 ). I will be closely monitoring my credit report during this time.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

At approximately XXXX EDT on Friday, XXXX XXXX 2015, I placed a call to Citigroup ( at telephone number XXXX - hereinafter the " XXXX number '' ) in regards to a closed account. I was instructed that the people available on that line were not able to help me, but that I should call another department within Citigroup at telephone number XXXX ( the " XXXX number '' ). 

At approximately XXXX EDT on that same day, I followed the recommendation of the Citigroup employee, and placed a telephone call to the XXXX number. When an unnamed representative answered this call, she answered the call as " XXXX XXXX XXXX XXXX. '' As I had been led to believe that the XXXX number was another office within Citigroup, I was confused, and asked for clarification. 

After being assured that yes, I was in fact speaking with a representative of Citigroup, I proceeded to divulge personal details - including, but not limited to my name, address, and social security number ( or a portion thereof ). 

After divulging this information, I was informed that the telephone call to the XXXX number constituted an attempt to collect a debt, and that I was not, in fact, speaking with someone who had any connection to Citigroup. I was further told that XXXX XXXX XXXX XXXX is in no way affiliated with Citigroup, even though this directly contradicted the information provided immediately earlier by agents and/or employees of both Citigroup and XXXX XXXX XXXX XXXX. 

I believe that during the call to the XXXX number, an agent or employee of Citigroup did engage in unfair, deceptive, and abusive acts and practices, in violation of the Dodd-Frank Act. 

I also believe that their actions may have violated the Fair Debt Collection Practices Act, as follows:1. Violation of 15 U.S.C. 1692 ( e ), Paragraph 10 - " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ; '' 2. Violation of 15 U.S.C. 1692 ( e ), Paragraph 14 - " The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

The Citigroup employee either knew or should have known that the XXXX number was not, in fact, another department within Citigroup, and certainly should not have represented that it was. I believe that this unfair and deceptive act may have been sanctioned by Citigroup, pursuant to a forward flow agreement with XXXX XXXX XXXX XXXX, who periodically purchase defaulted consumer credit accounts from Citigroup.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy that was XXXX XX/XX/year> Equifax still has all the collections and balances showing as unpaid and I have submitted multiple disputes provided the statement of affairs and discharge certificate which shows that all those creditors included, however Equifax continues to ask me to submit a new dispute I have recently made a new dispute and included 2 pieces of government issued identification which includes my current address they responded by stating below this is my 4th attempt to dispute please assist its a new year and my credit is still not corrected Dear Consumer, Thank you for contacting Equifax XXXX regarding your consumer credit report. This message is in response to your recent request. 

We are unable to process your request. The necessary ID and/or supporting documentation is missing, incomplete, or it was illegible. We ask you to submit a new request. Please ensure you visit our website ( below ) for details of the documentation required.
Product: Debt collection

Synchrony Bank is trying to collect a debt. I can not pay them right now. It is fine to call, but they are harrassing us now. They call every 45 minutes Monday through Sunday. They also call my cell phone sonetimes.
Product: Checking or savings account

My account was Hacked by wire transfer for {$140000.00} dollars. Union Bank recovered only {$110000.00} dollars of it, with an outstanding balance of {$28000.00} to still be recovered. At this point they will not call me back and I do not know what to do. If I had known the Security on my account was so poor I would of never opened an account with Union Bank in California.
Product: Money transfer, virtual currency, or money service

I am filing 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 procr 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 reporting, credit repair services, or other personal consumer reports

Hello. I was made aware by XXXX XXXX that a bankruptcy was on my credit report. I wrote the Equifax credit bureau twice and included letter from the US Courthouse, XX/XX/XXXX and XX/XX/XXXX requesting their method of verification and I received letters stating that they used a 3rd party company to obtain the record. I visited the XXXX, Ga US bankruptcy court and they stated that they do not verify such information. See attached letter. And it is my understanding after research that only courts can verify this type of information.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/2023 to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to any third party party. 

These are clear violations of my federally protected consumer rights.