23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am requesting validation of XXXX XXXX credit debt, with the acct number XXXX per my right granted by the FDCPA under section 809 ( b ). I dispute the validity of this debt and kindly request that TransUnion provide proper documentation and evidence to verify the following information : 1. The full details of the debt, including the originals creditors name, account number, and the amount owed. 
2. A complete payment history, detailing all transactions and charges made to the account. 
XXXX. Proof of a signed agreement or contract myself and XXXX XXXX, indicating my responsibility for the debt. 
4. Verification of statute of limitations for this type of debt in my state. Please provide the date of the last activity or payment made on this account. 
XXXX. Proof that your company carries a bond. 
XXXX. Proof of how your company assessed the outstanding debt. 
XXXX. Name and address of the original creditor. 
XXXX. Chain of title of this debt. 
XXXX. COPIES OF ALL LETTERS SENT TO ME FROM YOU AND FROM THE ORIGINALCREDITOR. 
Your cooperation in providing the requested validation is necessary to ensure the accuracy and legitimacy of the debt in question. Failure to provide adequate verification within 30 days is a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXXXXXX XXXX XXXX Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I was a victim of Identity Theft and early in XXXX ( XXXX ) I've discovered numerous fraudulent accounts open under my name. I have immediately initiated credit freeze on all 3 Consumer Credit report agencies. I have also filed ID Theft report with Federal Trade Commission and filed Police Report - copies are attached ( XXXX XXXX ). I have also disputed the accounts with all three credit agencies. As advised by the police, I have sent the package with Identity Theft Affidavit, copy of the FTC report and Police report to each of the credit companies. Most of the creditors cleared the fraudulent records from my Credit Report, however there were few that mailed back saying that per their investigation they believe the accounts belong to me. These accounts are now under collection status. I have called them ( In XX/XX/XXXX since I had a XXXX  in XX/XX/XXXX and was busy with XXXX  ) and asked to re-open the investigation and requested to send me the list of transactions that are associated with the accounts ( per FCRA Section 609 ( e ) ), however they refused to do so. I am stuck and don't know how to proceed further. I am asking to please look into this matter and help me resolve the remaining fraudulent records in my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX XX/XX/XXXX. The case # XXXX. This is now the third case and the previous two did not have any resolution XXXX. XXXX XXXX XXXX XXXX - line of credit. I spoke with XXXX XX/XX/XXXX and I was told that there is nothing they can do, as their investigation shows that the account is valid. Again, I have not received any benefit from these accounts. 

XXXX XXXX XXXX  - credit card. I spoke with XXXX XXXX XXXX department supervisor XX/XX/XXXX and I was told that there is nothing they can do, as their investigation shows that the account is valid. Again, I have not received any benefit from these accounts.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate late payment reported on my XXXX credit report related to my XXXX XXXXXXXX XXXX account ( Account Number : XXXX ) in XX/XX/XXXX and XXXX XXXX  ( Account number XXXX ) in XX/XX/XXXX. According to my records, I have always made my payments on time, and this late payment notation is incorrect. For XXXXXXXX XXXX my car was totaled and paid off by the insurance and I assume that there was a delay in insurance payment to pay off the car to the creditor ( XXXX XXXX  ). 

Additionally, I have attached copies of my drivers license and passport as proof of identity. 

I request that the Consumer Financial Protection Bureau investigate this matter and work with XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX to remove this erroneous late payment from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly ask for a response within the legally required timeframe. 

Please confirm receipt of this dispute and keep me informed about the status of the investigation. If further information is required, feel free to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : XXXX Credit Report Auto Injury report ( XXXX XXXX ) Copy of Drivers License Copy of Passport
Product: Debt collection

Date of transaction XX/XX/2021. 
Account : Persons on Contract XXXX XXXX Purchaser, CARVANA GROUP , LLC dba CARVANA seller/alleged creditor, XXXX XXXX XXXX, XXXX XXXX Type of Account : Investment CARVANA GROUP , LLC dba CARVANA/BRIDGECREST CREDIT COMPANY, LLC contracted and conspired XXXX a fraudulent loan with XXXX XXXX the consumer XXXX 
XXXX XXXX, consumer, allege to be the actual lender from XXXX credit card use in the transaction. 
CARVANA GROUP , LLC XXXX CARVANA violated Truth In Lending Act Regulation Z. Agents notified failed XXXX XXXX rescinded the contract and is due remedy. XXXX continues to attempt/collect payment for a voided contract and attempted to steal XXXX XXXX XXXX XXXX that is legally XXXX 's XXXX 

Contacted the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Counsel for the XXXX firms XXXX, XXXX Dealership where vehicle was sold from in Georgia XXXX, XXXX headquarters in XXXX Arizona XXXX XXXX XXXX, XXXX XXXX in XXXX, Arizona
Product: Checking or savings account

MidXXXX XXXX SunTrust/Truist decided to close my account, due to my XXXX XXXX XXXX son attempting to deposit a bad check ( he was catfished ). It did not seem fair to close the accounts of my wife, XXXX XXXX XXXX son and myself due to his error, but that was Truist 's decision that i appealed to regional management to no avail. I was not allowed to speak to the actual fraud team making the decision which was very disappointing as a 10+ year customer with over {$20000.00} in the bank. 

The bigger complaint is that from the time they told me it was closed ( which was pretty immediate upon the attempted deposit ) until the time they sent me a check with my circa {$25000.00} has been 3 weeks and counting. And i immediately lost online access to see what my balances were and to see recent statements / transaction. I called and escalated calls to both general service and fraud 3-4 times but in each case i was told the account was being closed but i would not get a check until their investigation was concluded. AND i was not allowed to communicate with the investigating team as they don't talk to the outside world! 

For them to hold what could have been all my money for 3-4 weeks is just unfair and feels illegal. They caught the bad check ( which was for {$3500.00} ) and there were no other pending transactionss, so there no logic for them to hold my $ XXXX for a month. That is just robbery, as it is my money!
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please explain what this corporate advance in the amount of {$130000.00} is for. 
Looks as though XXXX tried to shove the XXXX loan into the XXXX Trust on XXXX/XXXX/XXXX before the XXXX cut off date. XXXX never owned the XXXX loan, XXXX only acquired the right to service the XXXX loan. Then Caliber returns the loan back to XXXX on XXXX/XXXX/XXXX, 2 days before the loan was allegedly sold to the XXXX Trust? Please explain this back room deal in detail. The print out from my XXXX online mortgage transaction history shows the corporate advance. The Detailed Account History from XXXX is attached that was provided in response to my CFBP complaint in XXXX XXXX against XXXX for fabricated documents used to illegally purport ownership of my home. On this account history the corporate advance information was omitted. What are XXXX and Caliber trying to hide? The fact that they are working together to steal my home. 

XXXX/XXXX/XXXX ( XXXX ) XXXX/XXXX/XXXX - XXXX The XXXX Trust closed in XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( XXXX ) Looks like the XXXX XXXX was returned to XXXX XXXX allegedly sold the XXXX XXXX to Caliber on XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

Failure to Issue 1099-C which is required when debt is forgiven or cancelled per its regulations and reporting account as charged off, written off on all three credit bureau XXXX
Product: Debt collection

I recently looked at a copy of my credit report and noticed several inaccuracies on my account.
Product: Credit reporting or other personal consumer reports

I am filling this report cause of the fraudulent report appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result identity theft and fraud the fraudulent account consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number is private, and a personal account Bank of America XX/XX/XXXX, XX/XX/XXXX XXXXthese accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report.I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports cease pursuant to my rights within the FCRA and FDCPA.
Product: Vehicle loan or lease

On XX/XX/2023 they picked my car up from my residence. I had to pay {$1200.00} to get my car back and when I spoke with someone they inform me that my car was paid for but I still had to pay {$3500.00} to get the title and if I didnt pay the amount they could pick my up vehicle up at anytime. On XXXX XXXX they pick my vehicle up again. I had to pay {$610.00} on XXXX XXXX to get my vehicle back out or preposition. Westlake, finance in. Email is XXXX the number is XXXX my account number with Westlake finance is XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
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 Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I dont recognize this inquiry on my report and would like it immediately removed
Product: Credit reporting or other personal consumer reports

Account closed in XXXX Due to Maine statutes, this account should have been removed from my credit reports. This account keeps changing status. Account as closed per my request in XXXX XXXX, and due to medical hardship, I did not make any further payments. I have attached a letter crom XXXX XXXX XXXX XXXX XXXX XXXX for further reading. This is a blantant violation of Maine Statute .32 MRS 11013 ( 8 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following businesses used my information without my knowledge or approval, and it has shown up on my credit report. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Debt collection

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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

Please remove the block that's on my credit Report immediately. Inever asked Equifax the put on block on my report.
Product: Consumer Loan

I forgot to set up auto pay but never received a late payment notice or a phone call from Wells Fargo. The first time that they called me I answered the phone and when they told me I was late on one payment and the next payment was due, I immediately paid them both and went online and tried to set up automatic payments. Which I had to do at a later date because it would n't allow me to do it on the same day that I had scheduled a payment. It was n't until I applied for another loan That I found out they had reported it as having gone to collections at the credit bureau, although they had never started a collection process. They Temporarily ruined my credit, we were unable to make the purchase and it caused me great concern about restoring my credit. I contacted them and the credit bureau. They would do nothing to help and said they consider a loan to be in collections a week after it is due. What an abuse of the power they have over consumers.
Product: Credit reporting or other personal consumer reports

Experian is still showing the account is opened and owe over {$6000.00}. Experian is reporting that i had four late payments after the car was traded in.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Specifically, CashApp fail 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I paid off my student loan XXXX XXXX. I did so by pulling equity out of my home. The total amount was {$20000.00}. After the Biden administration announced student loan forgiveness I contacted My Great Lakes XXXX XXXX requesting a refund for all payments made that qualified during the Cares Act. Today I logged into My Great Lakes and my balance went from {$0.00} after to {$20000.00}. I contacted My Great Lakes today to get an update on my refund. I was told that since the payment was made by a third party I was not eligible for a refund of payments made under the Cares Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance has not resolved the issue of this account. First this account is too old to be reporting my credit. It was closed in XX/XX/2011. Furthermore they are saying that I was late when I never made a late payment. This account needs to be removed immediately. 

Also when reporting a late payment, it should show when I was late. It does not.
Product: Vehicle loan or lease

May have been charged extra fees on my loan payments, and too high interest rates. Would like to see if I qualify for the settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Krama Adverse Action Please verify hard copy proof of application and signed ink signature to validate equal credit opportunity regulations FRCA 12 CFR part 1002.1 CFR 1002.16 15 USC 1691 and adverse 15 USC 168 Consumer law I Have not given any written permission for Credit Karma to use my credit card # SS nor to report any information regard any repotting on any accounts associate to my my credit card this is a violation of my privacy adverse action is to remove all hard inquires and soft pulls and negative reporting of closed accounts of which I do nor recognized this consumer fraud and incorrect reporting with out any validated proof of document
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is a hard inquiry from an organization called XXXX. The date of this hard inquiry is XX/XX/2021. I did not apply for credit from this organization on XX/XX/2021 I am a victim of identity theft and I want this hard inquiry removed from my credit report immediately. I am enclosing a copy of the identity theft report that I filed.