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

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXX  account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Product: Credit reporting or other personal consumer reports

Why until now I have not received any response from the bureaus. How many times have I sent a letter to them. why is it still not solved? Please remove these accounts and inquiries from my credit report. This is the list of negative accounts I want deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian continues to report an item that was not validated and refuses to remove : XXXX - Experian - Revolving - XXXX XX/XX/XXXX XX/XX/XXXX - {$1800.00} - Due {$0.00} - Late Over 120 Days {$580.00} - CONSUMER STATEMENT : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. ACCOUNT DELINQUENT 150 DAYS PAST DUE DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=XXXX CHARGE OFF ACCOUNT CLOSED BY CREDIT GRANTOR LAST PAID : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed a XXXX debt with XXXX, Equifax, and XXXX more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my Equifax credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.
Product: Vehicle loan or lease

Went to XXXX XXXX XXXX XXXX in XXXX, NC to purchase a Motorcycle, Sales Manager XXXX XXXX approached me, I told him I was interested in purchasing a Motorcycle, after I picked one out I wanted he suggested I go see his good buddy XXXX XXXX XXXX at Creekside Finance he guaranteed me that XXXX would get me approved for a loan. 

So I proceeded to Creekside Finance in XXXX, NC and spoke with XXXX XXXX, he said as long as I put down {$1000.00} he would approve me, so I gave he the {$1000.00} down, so XXXX XXXX XXXX started the financial paperwork, he said I'll have you out of here and riding in less than an hour. After reviewing the paperwork, I disagreed with XXXX on the credit, life, and other insurance he had on the paperwork, XXXX told me that it's a requirement from Creekside Finance, he said if I disagree with the forced place insurance, Creekside will not finance the motorcycle. 

I wanted the motorcycle, but didn't want the forced placed insurance premiums that was added, since I would have full coverage. Again this was forced placed insurances. I refinance this loan, at which time XXXX again forced placed the insurance, I also disagreed with the late payment fees, NC Law states finance companies can not charge late fees unless you're at least 15-days late. 

Also XXXX XXXX XXXX was just arrested on XX/XX/2018 for embezzlement of {$200000.00} from Creekside, XXXX XXXX was also charged, Creekside Finance never let me or any other customers know about this, XXXX XXXX was the loan officer in charge over all motorcycle loans, along with other loans. 

The truth in lending act was violated on this loan as well, the monthly amount due each month is more than it should be, and the interest rate 28.56. 
Please see all documents provided. 

Also Creekside Finance has two liens against the title, which is illegal, you will see this in the information provided, the {$1000.00} down payment wasn't added to the financial document, another violation under the truth in lending act. 
When I refinanced the loan, the amount previously paid wasn't considered or listed on the new financial documents. 

The forced placed insurance needs to be refunded.
Product: Vehicle loan or lease

Strike acceptance keeps over explaining my personal business. I did a self repo months ago and theyre acting as if they do not have a car and harassing my grandmother & my mother.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/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 Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX  credit bureaus to validate This account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX  are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor..It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$15000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/19 my company was presented a US Bank cashiers check in the amount of over fifteen thousand dollars. The customer wished to purchase goods. 
Our standard business practice is to call the issuing bank/ branch, and ask them to verify that they issued the check. 
The XXXX XXXX  Oregon branch of US bank I called was most unhelpful. The woman informed me, that they do not verify funds any longer. 
After several minutes of me insisting, and continually reading off information from the check, she finally admitted that she issued that check, but told me that this will never happen again, as her bank has a policy against verifying cashiers checks. 
Rudeness aside, this is a very troublesome policy, because in this age of fraud how is a consumer supposed to stay safe? 
By the way ... did I mention that I am a business customer at US bank?
Product: Debt collection

Received a call on XX/XX/2018 at XXXX from someone claiming to be a representative of XXXX XXXX XXXX  saying I owed a balance of {$1900.00} they are trying to collect for XXXX. I told them I have an email proving that I don't owe that amount and that I will forward it to them, which I did. At that point, the representative told me they would sue me and if I didn't pay the {$1900.00} by next Monday, they would take me to court. I explained that I had several bills with various amounts, but the final email proved I only owed the {$120.00} and I asked for them to email me the proof of the debt, and they haven't. They just kept repeating they would sue me for the other amount if I didn't pay by Monday. They also stated they didn't purchase the debt from XXXX, so I'm confused as to how they are trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX opened a deposit dda charge off item on my credit files with transunion XXXX and XXXX  this was incorrect and after speaking with XXXX - XXXX notified the 3 credit agencies to remove the item. XXXX and transunion removed the items from my file but transunion has not -- even after i disputed this item - transunion needs to be compliant with the fair credit reporting act and remove this item as they have been instructed to by XXXX   action. this is causing me financial hardship as when transunion initially added the item - my credit score took a large drop in score.
Product: Debt collection

At XXXX XXXX on XXXX/XXXX/18, I received a call from cotton wood financial in regards to a debt of XXXX I owe. The debt collect ask if it was me after I confirmed it was me and my information she immediate escalated her attitude and became very rude and questioning my integrity. I have escalated on the call and she returned the profanity. 

I have been working with he company to resolve my debt and have already paid half of what I owe. I had called back and talk to a supervisor in regards to their debt collections procedures and policies in regards to her blatant disrespect and escalations. 

During the first part of the call my demeanor was calm and professional until the rep XXXX had became offensive, duragatory and rude.
Product: Credit card

XXXX XXXX applied for XXXX loans to get a XXXX submariner and was rejected. He subsequently used a Capital One Credit Card to make the purchase. All security channels deemed it high-risk except XXXX. XXXX cleared it and so we shipped the watch. An adjustment was made in the order when I informed him that the specific model he ordered was no longer made by XXXX and under their warranty. After which, I refunded him the difference. The watch was shipped. He returned the watch, but the watch weighed less that it did when we shipped it. We subsequently, returned the watch to him. He submitted a chargeback claim stating that he never received the watch. However, that is not true. Accordingly, Capital One did a chargeback on the transaction and XXXX XXXX has his {$13000.00} and the {$13000.00} XXXX watch. Since we have been negatively impacted by credit rating and with XXXX, we request that we receive our money plus expenses.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against Jefferson Capital Systems regarding an inaccurate debt they have reported on my credit report. Jefferson Capital is claiming that I owe a balance of {$5100.00} for a business transaction I supposedly entered into with them. However, I have no knowledge of this debt and have not conducted any business with this company.

I have made several requests to Jefferson Capital, asking for a legitimate copy of a contract with my actual signature to prove my involvement. Despite my efforts, starting in XX/XX/year>, they have refused to provide me with any documentation or details supporting their claim. I have been living outside of the country for an extended period and can confirm that I have not initiated any agreements with Jefferson Capital during this time.

I am requesting that Jefferson Capital provide the following : 1. A copy of the contract with my actual signature.

2. A detailed account of the debt they claim I owe.

I am seeking your assistance in investigating this matter and ensuring that Jefferson Capital provides the necessary documentation or corrects the inaccurate information on my credit report. 

Thank you for your time and attention to this matter. I look forward to your respo
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report false information on my account. There have be several attempts to clear the errors on my report, but Experian has a generic response of " been verified through third party '' The third party is XXXX and I have contacted this company and Experian hasn't done any investigating of any errors. Experian is showing a bankruptcy on my file but no other bureau has this. Where is the information coming from? Also there are multiple variations of my name on file with Experian. I only have one legal name. The last 4 digits of my social on Experian is wrong. The information is incorrect but yet Experian continues to post these errors on my report.
Product: Credit reporting

Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the Equifax on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted a complaint via CFPB before ( CFPB Ref No : XXXX ). Amex replied, returned me {$200.00} as requested on XX/XX/2022. However, on XXXX XXXX, Amex charge me back {$190.00} for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Experian several times via phone and online on numerous occasions in regards to inquiries that I did not authorize or I was not familiar with. I get the same results every single time and it is affecting my scores and it looks like I have been searching for credit opportunities which I have not. I am trying to purchase things and it has made it practically impossible to do when seeing places that I didn't acquire credit from. I have disputed and reached out to the credit bureaus on numerous occasion. I need the companies to send proof or validation or it needs to be removed immediately. 

The following inquiries were not authorized : XXXX XXXX x3 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 x2 XXXX XXXX XXXX XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported an inaccurate balance amount from Bank of America on your credit report for the month of XX/XX/2023.
Product: Credit card or prepaid card

On Friday, XX/XX/2023 I returned a loaner car to XXXX XXXX XXXX. Since there was a previous issue of being billed for fuel, I made sure that the fuel level was above the gallons when the car was received. On my XX/XX/2023 Barclays billing statement I disputed an amount of {$15.00} which I believe was an unauthorized fraudulent refueling charge by XXXX XXXX XXXX The dispute was ruled/credited in my favor for the full amount. I was issued a new card with a new number by Barclays. Upon receipt of my XX/XX/2023 statement, the charge of {$15.00} appeared again. I have just disputed the charge once again.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to EquifaxXXXX  negligence.

Federal law ( 15 U.S.C. XXXXi ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within XXXX  days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX  - XXXX**** XXXX - XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

HireRight is violating Federal rules and asking for documentation not required for a background check. It is also providing misleading information. 
I was offered a XXXX XXXX XXXX XXXX XXXX as a rehire. The job description from XXXX did not mention E-Verify as mandatory per Federal requirements. HireRight still ran E-Verification and came up with a Social Security number mismatch and asked for a SSA-89 which, as per the Social Security Administration , is not required for rehires. On making XXXX aware of the issue, the SSA-89 was apparently withdrawn by XXXX and a copy of my ID and SS card requested instead which I submitted by the deadline of XX/XX/2024 but HireRight refused to comply insisting on getting a SSA-89 and closed the investigation with an adverse action instead. Hireright is overstepping it's reach as a background check company and is violating Federal law. 1. XXXX did not include E-verification in the job description as mandatory per Federal law so HireRight overstepped it's authority by doing so 2. HireRight insisted on the SSA-89 when XXXX had XXXXhanged their requirement to a copy of the ID & SS card instead 3. HireRight closed the check before the end of the day deadline on XX/XX/2024 and issued an adverse action despite being informed that the documentation requested by XXXX had been provided already. This company has been guilty of fraudulent practices in the past and must be barred from conducting background checks. Their employees, notably the ones from overseas, do not understand Federal law and rules and routinely violate the same. I am requesting immediate action against HireRight and for this company to be stripped of its license to conduct background checks by the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing this statement to address a serious issue that has come to my attention regarding unauthorized financial activities carried out in my name. Recently, I became aware that I am a victim of identity theft. As a result, there may be attempts to open auto loans or lines of credit under my identity. I wish to make it categorically clear that any such activities in the year XXXX were not initiated or authorized by me. 
Identity Theft Incident : I discovered the identity theft on XX/XX/2023. Since then, I have been actively working with legal authorities and financial institutions to resolve this matter. 
No New Accounts Opened : I affirm that I have not applied for, opened, or authorized any new auto loans or lines of credit in the year XXXX  OTHER than accounts bearing my authorized signature. Any records indicating otherwise should be treated as fraudulent and a direct result of identity theft. 
Preventive Measures Taken : To address this issue, I have taken preventive measures, including placing security freezes on my credit. 
I appreciate your understanding and cooperation in this distressing matter. Identity theft is a serious and unsettling experience, and I am committed to resolving this issue and safeguarding my financial integrity.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The CFPB and the FCRA are clear in their guidance, and your agencys refusal to accept the identity theft report based on an erroneous and unsupported claim violates the law. I demand that you immediately correct this violation and update my credit reports to reflect the accurate status of my identity theft claim.
Product: Vehicle loan or lease

TD Auto Finance does not operate competently. Repeatedly they record false bank check amounts. I can not access on their website my account. When I call and issue a complaint they do not reply competency or try to resolve this problem. 
TD AUTO FINANCE. act # XXXX my check recorded incorrectly : # XXXX. Amount posted as written {$790.00} Amount incorrectly listed : {$390.00} Despite repeated requests to correct, no action taken.