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

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account without my consent. 

Credit inquires XXXX XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened XXXX XXXX Balance Owed XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed : 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 Date Opened XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Balance Owed XXXX XXXX XXXX
Product: Credit card

While in XXXX XXXX, I hailed a taxi for a short XXXX mile ride. The driver and I agreed on the price of XXXX pesos ( about {$7.00} ). At the end of the ride, the driver took and ran my credit card and handed it back to me. I asked for a receipt, which the driver refused. I insisted several more times that I receive a receipt or documentation of the cost of the trip and the driver continued to flat-out refuse. 

Upon exiting the taxi, I immediately checked my credit card and discovered the driver had charged me XXXX pesos ( {$730.00} ) for the XXXX mile ride, rather than the XXXX pesos ( {$7.00} ) we agreed to. I immediately reported this dispute to Chase. 

I received a notification from Chase that XXXX had denied my claim because I didn't obtain a receipt, but the driver claiming the charge was valid, though never providing any supporting details to Chase such as the distance of the ride, pickup/dropoff locations, his rates, to substantiate the charge. 

I explained the situation that the merchant refused to provide me a receipt. Moreover, charging {$730.00} for a XXXX taxi ride ( XXXX times the typical amount charged by taxis in XXXX XXXX XXXX XXXX is not sufficiently convincing to any logical person, let alone a trained XXXX assessing the specific details of this dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Collection/Charge Off : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I attempted to use my card, at a bank in order to get {$1000.00} XXXX XXXX  in a Lobby and was denied although my account had in excess of {$1500.00} in it and USAA had shown me that that was the limit that I could withdraw. I reached out to them and they said that they could not see the transaction. The corporate office was it decidedly unhelpful. I went to the bank today and now it says my account is inaccessible. I called back USAA and was advised that the chip in the card was bad and they would overnight me XXXX. USAA has blocked my ability to sell, my ability to transfer funds and has grossly inconvenience to me with the ability to pay my rent. They are preventing me access to my own funds and this has to be illegal. On XX/XX/XXXX I went to XXXX XXXX XXXX. Today I went to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. An identity thief that occurred through multiple data breaches that I was notified of by XXXX. Upon the first notification last year I began noticing accounts, loans and different inquiries on my credit reports that were not mine I also noticed charges to my accounts that were not made by me. I reached out to these companies and credit bureaus making them aware that all my personal data, personal information including address and social security number and banking information was taken within the span of several years from several different branches one from a medical company where my information was stolen and another from my mortgage company XXXX XXXX. I told them I did not know who used my personal information without my permission to open an account and make purchases with these accounts the debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report to these companies several times I also have a police report now. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 
Delete : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all non-account inquiries as I did not authorize these inquiries and they were done without my authorization. 

Also I provided proof of documents that I feel are important especially if the companies like XXXX are saying they verified me by information but they also said they verified another person via information yet this person does not reside with me nor have I ever heard of this name but they mailed out a letter to my house with this person 's name on it saying they verified them, they need to remove all accounts from my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and bank statement. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account NameXXXX 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 XXXXTRANSUION 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PE
Product: Debt collection

On XX/XX/2018, I received a letter from Credit Collection Services stating I owe a debt to XXXX XXXX in the amount of {$220.00}. I contact XXXX for a QUOTE. I never agreed to accept the quote. It was just a quote for homeowners insurance. Now I am sent to a collection agency and my credit affected.
Product: Mortgage

Wells Fargo Mortgage took over my home mortgage from another bank. 
Since Wells Fargo Bank did not offer COFI based ARM mortgage product, it moved me to a new index Federal COF Index. Wells Fargo insisted me to go with the new Federal COF Index which supposed to be more stable and reliable. Well, it has been over 5 years and all these years, I am losing so much on Interest charged on these loans. It has been at least XXXX basis points for all these years, resulting a loss of about {$20000.00} in interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are saying I owe XXXX I loans for school more than ten years ago. I was only enrolled for 1 year and it was part time. There is no way I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Certegy failed to provide a copy of my report. I would like a copy of my report immediately to determine if accurate information is being reported per FCRA.
Product: Vehicle loan or lease

MY DAD PASSED AWAY XXXX XXXX. HE HAD SOME TICKETS ON IS NAME ANS HE A CO SIGNER WITH ME ON MY XXXX XXXX. MY BIRTHDAY MONTH XXXX ALSO TIME FOR ME TO RENEW MY REGISTRATION. WITHOUT MY KNOWLEDGE I HAD STOP/HOLD IN THE SYSTEM SO I UNABLE TO GET MT RENEWAL. IWAS TOLD BY THE TAG AGENCY TO CONTACT MY LOAN PROVIDRS OMNI ( SETF ) TO REMOVE MY DADS NAME FROM THE TITLE. THIS WOULD HAVE ALLOWED DMV TO REMOVE THE XXXX CLEARANCE. I NEED TO WORK SO I CONTINUED TO DRIVE THE MY VEHICLE TO AND FROM WORK. ON XXXX XXXX I WAS STOPPED BY ( BSO ) OFFICER TOLD ME HE HAD TOPULL THE CAR. AT THAT POINT ON XXXX XXXX I BEGAN TO ( SETF ) I ASKED AND PLEADED THE SITUATION. I ASKED IF THIS ISSUE CAN EXPIDTED. I SPOKE TO SEVERAL PEOPLE CONCERNING THIS ISSUE. EVERY TIME I CALLED, I WAS TRANSFERRED TO WROG DEPARTMENT. I BEGAN TO ASK TO SPEAK TO SUPERVISOR ALWAYS. THE DAYS WERE ADDING UP AND MY DEBTS WERE UINCREASING. IWROTE A STATEMENT AS WELL AS FAXED IN THE DEATH CERTIFICATE FOR MY DAD SHOWING PROOF. I SPOKE TO XXXX XXXX, XXXX, XXXX. I BEGAN TO CALL3-4-5-6 TIMES A DAY. I WAS SIMPLY BEING TOSSED AROUND WITH NO HELP. XXXX IS ENDING AND XXXX IS ABOUT TO START. STILL THE ISSUE UNRESOVLED. SUPERVISOR XXXX CALLED ME ON XX/XX/XXXX, SHE ADVISED ME THEY NEVER RECEIVED WRITTEN STATEMENT NOR DEATH THAT I FAXED ON XXXX XXXX. I WAS AMAZED SO I SIMPLY FAXED IT AGAIN ON XXXX XXXX. 
PLEASE HELP ITS XX/XX/XXXX, AND SETF PICKED UP MY CAR FROM EMPOUND THIS WAS NOT FAIR TO ME AT ALL I ACCRUED PAYMENTS THAT I DIDNT HAVE TO. I CAN'T AFFORD TO LOOSEN MY " I CAN NOT AFFORD THESE PAYMENTS\. BECAUSE MY CAR IS IN PAY OFF STATUS, THEY PICKED UP THE CAR. I SHOULD NOT PAY FOR MY CAR BEING EMPOUNDED FOR NEARLY A MONTH AND SOME DAYS. I HAVE PUSHED AND EXPRESSED HOW URGENT THIS SITUATION IS
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to XXXX  on XX/XX/2018 to have them remove a dismissed bankruptcy listing on my credit file and they did not respond to my request within the 30 days allotted by law and I even gave them over 45 days as outlined in the FCRA that says under certain circumstances it may take that long. I then sent a second letter on XX/XX/2018 to have them remove the bankruptcy and they did not respond until XX/XX/2018 with a letter explaining the investigation process and they then sent a copy of my credit file after 31 more days. They have violated the law by not responding in the allotted time frame and they must remove this item immediately. I have enclosed proof that the letter was received and signed for on XX/XX/2018. This listing is causing to be denied credit and the credit that I am able to get I have to pay high interest on
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting error costing me loans fcra violaiton and ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax constantly obstructs managing a security freeze of my Equifax credit report. Unlike XXXX and XXXX who allow 7x24 online access to manage my security freeze, Equifax only permits a phone call to XXXX during weekdays between XXXX XXXX. and XXXX XXXX. ( ET ), Monday to Friday. I work during those days, so I am unable to contact Equifax by phone and unable to temporarily lift my credit freeze. Equifax she limited hours and contact method prevent me from applying for new credit and banking services. Please require Equifax to have other methods and weekend hours for managing a security freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I recieved a bill from Sychrony Bank on XXXX XX/XX/XXXX. In that statement, the bank stated that I recieved products from a merchant XXXX XXXX. The account was opened on or about XXXX XX/XX/XXXXXXXX  by someone that was not me. There was a credit card that was associated to that account ( I never recieved this card nor activated this card ). I immediately called the bank on XXXX XX/XX/XXXX and disputed the charges and account. I immediately asked them to close the account that I did not recieve any merchandise from this merchant they listed. The total amount of this charge from merchant was over XXXX dollars. I have not spoken to this merchant nor has the merchant spoken to me or sent me any correspondance. In XXXX of XXXX I recieved another bill from Synchorny Bank with the same charges and they stated my original dispute was denied. However, they never produced to me any proof why it was denied with reciepts, delivery verification, or any form of fact that I signed for any product from XXXX XXXX. Again, I disputed the charges through their system/process with a different departments. I provided them all pieces I have in my posession of this transaction. In XXXX of XXXX, I recieve yet another bill from bank and they denied my dispute again. This time they sent a one page statement why they disputed with just bullets annotated. They state that I gained benefit or product from XXXX XXXX. However, nothing given to me in regards to my sigature of reciepts or any fact from XXXX XXXX that I got any of their product. I dsuputed the charges agin for the third time after the Synchrony Bank rep suggested that I disupte the charges not dispute identify theft. I disputed through their process. Again I submitted everything I had to them with dates times. Again I had not spoken to XXXX XXXX about any of these chrages or why they produced them on me. In XXXX of XXXX, Synchrony Bank sent me a bill and denied my dispute for a third time. This time they sent a one page reason with bullet annotated ( only one this time ) stating I had XXXX XXXX to my home. They did not send me proof that this product is at my home, delievered to my home, my siganture on reciept or manifest. I asked yet again where that prooof was located. Nothing produced to me. Again in I disputed the charges and to date I have not recieved a bill or notice of thier invesitgation. In XXXX of XXXX  I get notice from XXXX and XXXX that this bank has reported me late on this fraud account with these same charges to an account that I did not open and listed as closed. I disputed the report to XXXX and XXXX but they denied my dispute that the report from bank was accurate from thier investigation. However, they would not provide me concrete proof that I signed any reciept or signed any account to me opened from Synchorny Bank. XXXX then sent me here to to report this fraud and bogus charge to me.
Product: Vehicle loan or lease

Hello, Mazda sold me a lemon car. And only compensated XXXX XXXX But ever since they keep retaliating against me by keep sending me letters saying if you ever be late again, we will repossess the car without any notice. I just made a payment even though Ive been out of work because of back injury but mazda still trying to repossess the car and keep sending me letters saying we will repossess. Ive already paid the half pf the loan but they still keep trying to take the car away, which the car is defective but who will compensate all of my payments that Ive made until now? I submitted a complaint to Colorado regulatory agency but they said they dont have the jurisdiction. Who can help me? 

Mazda car that they sold me as new was a lemon and they refused to take any responsibility but only compensated XXXX $ for this defect and ever since they keep retaliating against me for it and even though I am making my payments, they still keep sending me letters every month, threatening me that they will repossess the car if I ever be late with my payments in the next 12 months. 

In addition, they double charged me in XXXX by adding over XXXX $ To my balance, when my payments are supposed to be XXXX $ a month, plus, my loan contract says 62 months, but someone made manual changes to it and now it shows 63 months, when this car is supposed to be at 0 % interest.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXXXXXX XXXX  and XXXXXXXX XXXX EST. Dont send any usps, XXXX, XXXX or courier mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy Chapter XXXX listed on my XXXX, XXXX XXXX and Equifax reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.