23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a brand new Audi from Audi XXXX XXXX. This was my second purchase with this dealership and financial services. 
Once I signed for my new car I went into Audi Financial Services to set up Auto pay. 
I noticed after a week, when I got into my car a new name was coming up on my screen. Someone I did not know. 
When I signed into my Audi account, it had a different vehicle and a different name. 
I also saw that it was showing me 30 days late on a payment. 
I immediately called Audi Financial to figure out the problem. After speaking to several departments I finally spoke to a supervisor who was going to get the 30 day late off my credit and the other persons information. 
That was a month and a half ago and nothing has been done. I have contacted Audi Financial several more times and can not get anyone to assist. The continue to send me to different departments as no one seems to be able to help me. 
Now I have a 30 day late payment on my credit and I am hesitant to make another one as I am not sure it will be applied to my vehicle and not this other persons loan. 
I received multiple call from Audi about my payment being 30 days late even though it is not. I also can only see the other persons vehicle when I log into my account now. Your help with this matter and urgent attention is beyond valued.
Product: Credit reporting or other personal consumer reports

Transunion Rental Solutions company aka Transunion Rental Solutions has caused me problems since XX/XX/XXXX when I was attempting to verify my identity with the NMLS, whom they contracted with to run my credit and identity. I have called and written for months. Their solutions was to mail me a copy of my credit report from their other company Trans Union Credit Bureau. I have reviewed my written report and it is fine. These are two seperate operating entities and the Transunion Rental Services asks questions verbally and you must pass to proceed. I took the test of questions over 40 times and never passed due to the fact the information they asked me about was clearly for someone else. All of the confirmation of addresses and phone numbers were for someone in AL. Then they wanted to know if people such as deceased husband, his deceased mother lived in Texas. I continually said no since they were dead for over 20 years. No one responded to my many calls, not addressed the inaccurate information they had. Today I tried to call TU and they wanted to confirm my identity and again they used verbal questions about the same AL information. I want this corrected. I have not rented a place to live since XXXX. Please help. Do not accept their bogus answers they are looking into the problem or are reviewing the issue. I want a statement they have reviewed my TU Rental Solutions account info and corrected and don't send me my credit report from TU I have it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Around XXXX XXXX, Credit Corp Solution bought a debt account from XXXX XXXX and without any proof, they decided to insert this same account on my credit report with the same account number as XXXX XXXX  XXXX Without any real proof of verification or validation of this debt, XXXX allowed Credit Corp to add this account to my consumer report. 

XXXX keeps claiming they verified this account as accurate, but never provided me with any documentation. I never had a contract with Credit Corp Solutions so how can you insert this account on my credit report ( sounds like this is identity theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I Bought a my car from a dealer I have had my car for almost 3 yrs. now. I have paid all my monthly payments without missing any of them. I am almost done with just XXXX payments left. My car got impounded due to parking tickets and got turned over to the fianc company. I have contacted the fianc company to try to come to any agreement to gain my car back. They have increased the number of months I " owe '' wich is not what I have in my contract which will end on XXXX 2015. I have tryed to call them and asked them for more accurate numbers and all they say is XXXX payments plus additional fees. I have actually agreed to the impound fees and late fee that I have gotten for a few late payments. All iam asking for is a more detailed explanation on the charges and see if we can come to an agreement in regards to recovery the car. Thank you for your Att.
Product: Mortgage

My mortgage was transfered to Residential Credit Solutions , Inc effective XXXX 2015. I did not receive a new account number and payment information from the servicing company until mid XXXX. Since then I have made payment as required monthly, however, residential credit solutions inc has not been applying my payments since XXXX to date to my mortgage. Instead, they are charging me late fee monthly and reported the account as past due on my credit report. Every attempt to straighten out my account has failed. I was promised several times that they will apply my payments but nothing has happened to date. I have copies of processed checks to proofs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) This student loan was consolidated and paid and therefore there is no outstanding balance due to report as late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and  this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that fraudulent accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. I have not authorized these accounts or inquiries, and they are the result of identity theft. 
Fraudulent Accounts : XXXX. XXXX  XXXX Account ID : XXXX Opened : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX Account ID : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX  just looked over a copy  of XXXX XXXX report. It said that the XXXX  inquiries mentioned below were the source of the XXXX  inquiry. But I did not authorize these XXXX. As these XXXX  are negatively impacting XXXX  ability to obtain XXXX  and apply for XXXX, kindly have them erased from XXXX XXXX report. Additionally, send XXXX  XXXX supporting XXXX  you XXXX have for this request. 
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, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a )  states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on ( XX/XX/2024 ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Professional Debt Mediation , Inc send an attach file of my ID and a paper from the original creditor stating ( notice of intent know to impose claim on security deposit ) which does not include any signature of mine in which you claim it does and it clearly doesnt. I would like to receive all paperwork from the original creditor that includes my signature. 

I would like to know who did they talk to. 
How did they complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with American Express reporting a 30 day late payment to my credit report which is destroying my credit. My account is closed also paid in full. When I contacted them about the problem I was told false information. I also was told that their credit reporting team never reported any late payments to the Credit Bureaus.
Product: Debt collection

Beginning in XX/XX/XXXX I noticed AWA Collection Agency listed on my credit reports.  I immediately disputed it and asked for validation of the listed accounts.  Since then, I have attempted to communicate with them on multiple occasions.  To be exact, I mailed letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I never get proof that these debts belong to me.  What I have received on 2 separate occasions have been bills.  But never identifiers that prove that I incurred these debts.  I work for a XXXX XXXX company, am well covered and have no medical debt.Since I am getting nowhere with them I thought I would go the extra mile to get some help in once and for all resolving this situation.I've specifically asked for signed documentation and other supporting documentation which they cannot provide me.  They provide billing statements that do not prove obligation for me to pay them.  These 4 negative reporting accounts have destroyed my credit and halt my ability to move forward.
Product: Debt collection

I signed up with XXXX XXXX XXXX in Arizona and learned that the Headquarters were in California. I started out paying {$200.00} a month, then increasing to {$400.00} a month, until I had no more communication with this company. Instead of them contacting me about my credit card debt, they reported all of them CHARGE OFFS on  my credit report. BUT, one account BELK thru Synchrony Bank-XXXX XXXX, CEO,  SOLD my account to XXXX, XXXX. in XXXX XXXX XXXX XXXX. An attorney informed me that these two companies have not gone by the law. My BELK balance was reported to the Management of BELK, due to an employee pushing Makeup and calling customers trying to get them to buy more and more cosmetics. But BELK did nothing to help! At that time, the balance was around {$1000.00}. TODAY, with XXXX my balance is over {$3000.00}. I disputed it to the Credit Bureaus. But, I am between a ROCK and HARD place, due to XXXX XXXX XXXX not contacting me about my account and CHARGING OFF all my CREDIT CARDS. 
PS This account was not thru XXXX XXXX Bank. It was thru Synchrony Bank. Belk may have changed to XXXX XXXX XXXX. At the time this account was going on, it went thru Synchrony Bank. 
XXXX XXXX XXXX charged off many of my accounts, which shows on my credit report, without contacting me about them or allowing me to pay toward them each month. 
Thank YOU, XXXX XXXX
Product: Debt collection

I had my credit report pulled for a mortgage application and when it was pulled, a collection for XXXX ( XXXX ) showed up on the report. The collection agency was listed as Stellar Recovery and the amount was for {$170.00}. Since the initial creditor was XXXX ( XXXX ), I called them and paid the balance of # XXXX on XXXX XXXX, 2015. This closed my account and zeroed the balance. When I inquired about Stellar Recovery, I was informed that collections would no longer take place as my balance was now zeroed. However, it is XXXX, and the collection remains on my credit report despite having a zero balance with XXXX ( XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly furnished my report without my written consent. According to 15 usc 1681b : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Equifax told me that they are allowed to report without my consent if they want which is a violation of my consumer rights. They refused to take off information that was not or could not be validated
Product: Debt collection

In  XXXX  I was shopping wh en my   XXXX   XXXX   debit card was declined. I reviewed my account on line and identified several transactions which were not mine. I notified   XXXX   XXXX   i mmediately, the card was cancelled ( and a new card issued ) and I was assured I would not be liable for the charges put through.    XXXX  of the charges were associated with   XXXX   transactions. I do not have ( nor ever  had )  a   XXXX    account.  <P/> Today (  XXXX / XXXX / 17  ) I received a debt collection notice fro m Transworld Systems , Inc. I hav e never received a bill or any prior notice. Demanding payment for the  XXXX  individual charges of {$13.00} each plus fees for a total of {$44.00}.  <P/> I dispute this debt. I did not use  XXXX , have never had a  XXXX  account and am unwilling to pay for charges generated by a criminal who obviously hacked my card.
Product: Credit reporting or other personal consumer reports

These fraudulent, inaccurate, and false information consists of XXXX personal accounts, An Apartment named XXXX XXXX XXXX XXXXXXXX collected by XXXX XXXX # XXXX. And an application for rent at XXXX XXXX  XXXX collected by XXXX # XXXX. And another account at XXXX on XXXX -XXXX  acct # XXXX. These accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All these accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints on all accounts mentioned and as proof from the US Federal Trade Commission that all the consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Credit card

I recently received a credit card in the mail from CapitalOne that I never applied for. I never even considered opening an account with them. When I called CapitalOne they passed me to their fraud department who claimed that I DID apply for it, but they would start their investigation into it as a fraud complaint. They then informed me that it would take 90 days to clear/correct my credit reports. Didn't the Federal Trade Commission ban the unsolicited mailing of credit cards way back in XXXX?
Product: Checking or savings account

Date of complaint is XX/XX/year> ; Wells Fargo reports abuse of account in my name on a checking account. This information is inaccurate. This was not me. 

According to FCRA Section 605B, it is illegal to report any info on my credit report without my permission.

Wells Fargo never provided me with any documentation regarding this account in order to clear up any debt. This information is inaccurate.

Please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

Dear Compliance Department, I am writing to formally dispute the validity and reporting of the above-referenced account purportedly owned by XXXX XXXX XXXX and XXXX by XXXX XXXX XXXX XXXX XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ).

1. Inadequate Proof of Debt Validation : Under FDCPA 809 ( 15 U.S.C. 1692g ), debt collectors are required to provide sufficient evidence that substantiates the validity of the alleged debt. In your correspondence dated XX/XX/XXXX, you referenced bill statements and terms and conditions on file as validation. However, these documents alone do not constitute adequate proof of debt ownership or the legitimacy of the debt claim. I hereby request clear and verifiable documentation, including : Proof of assignment or sale of the debt from XXXX XXXX Bank, XXXX. to XXXX XXXX XXXX ; Full payment history that demonstrates how the amount alleged became due, including any fees or interest added ; Evidence that XXXX XXXX XXXX has the legal right to collect on this account. 
2. Erroneous Credit Reporting : The credit bureaus use the " Date of First Delinquency '' to determine the timeline for derogatory reporting under FCRA 605 ( 15 U.S.C. 1681c ). You have indicated this date as XX/XX/XXXX, but no substantiating documentation has been provided. Additionally, I dispute the accuracy of how this account is reported. 
Under FCRA 623 ( 15 U.S.C. 1681s-2 ), data furnishers must ensure that information reported to credit bureaus is accurate and complete. If this can not be demonstrated, I demand that you cease reporting this account and ensure its deletion from my credit reports.

3. Allegations of Unfair Practices : In your response dated XX/XX/XXXX, you claim compliance with federal and state debt collection laws. However, the lack of meaningful investigation and resolution of my concerns raises potential violations under FDCPA 807 ( 15 U.S.C. 1692e ), which prohibits false or misleading representations in connection with the collection of any debt. 
Demand for Action : Given the above concerns, I respectfully request : Comprehensive validation of the alleged debt in compliance with FDCPA 809 ; Immediate investigation and correction of any inaccuracies related to credit reporting ; A cease-and-desist directive regarding further collection activities until proper validation is provided ; Written confirmation that any inaccurate information has been corrected or removed. 
Failure to provide the requested documentation or to correct any reporting errors within XXXX  days will prompt me to file further complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my states Attorney General. 
Please respond in writing to this dispute at the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Several requests have been submitted to XXXX and CITI - XXXX to remove this authorized user account from my credit report.