23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Checking or savings account

made depsosit XXXX mos ago still on hold when they sent me letter sayinng hold only 10 days in violation of law they never sent me letter of extended hold they will not release my money almost XXXX mos now on hold
Product: Credit card or prepaid card

I thought part of the American dream was to acquire, obtain, and maintain credit. It is what helps each citizen here experience the most fulfilling experience in this country, so when I applied for business credit as well as personal credit I had no idea Chase ( Card Services ) would be pulling my credit ( giving me a hard inquiry ) and making decisions on my account based on what I am doing outside of paying Chase on time, frequently, and with minimal issues. I believe this to be a violation of FDCPA 1692 D as i am considering legal action in this matter.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am submitting to follow up on the previous complaint I submitted to your attention on XX/XX/2024, regarding certain accounts and inaccurate personal information on my credit report. It has been 31 days since I sent the original dispute letter, and I have not yet received any communication or updates regarding the resolution of the dispute. I understand that the investigation process can take time, but I am eager to know the current status and any progress made in resolving the issues outlined in my previous communication. The following accounts need to be removed or deleted from my credit report : 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: Debt collection

To Whom It May Concern, I am writing to formally dispute the debt listed on my consumer credit report, which your agency claims I owe. I do not acknowledge any liability for this debt, and I request that you immediately cease all collection activities until you provide proper validation as required by law. Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and 12 CFR 1006.34 ( d ), I am requesting the following : XXXX. A complete and itemized validation of the debt, including the name and address of the original creditor, the date of the alleged transaction, and an explanation of the amount claimed. 

XXXX. A copy of the purchase agreement or contract between your agency and the original creditor that establishes your right to collect on this account. 

XXXX. Proof that your agency is licensed and bonded in the state where I reside, as required by federal and state regulations. Additionally, under 15 U.S. Code 1661-5 ( 2 ) ( XXXX ) ( A ) and 15 U.S. Code 1681b ( a ) ( 2 ), I demand that you provide proof of permissible purpose for reporting this account on my consumer credit report. If you can not provide sufficient evidence to validate this debt, I demand that it be removed from my credit report immediately. Furthermore, I am revoking any and all permissions for your agency to contact me via phone calls, text messages, or emails. From this point forward, all communication regarding this matter must be in writing and sent to my mailing address. Failure to comply with this request may result in violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). If you are unable to validate the debt within the time frame established by law, you must cease all collection efforts and remove this account from my credit file. Any continued collection activity without validation will be considered a violation of my rights, and I reserve the right to pursue legal remedies. Please provide requested documentation within XXXX days. Failure to do so will result in further action to protect my rights under applicable laws.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is imperative to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a profound regard for the consumer 's privacy rights. Equifax and XXXX, recognized as consumer reporting agencies, hold sensitive consumer information, and I, as the consumer, assert my right to safeguard this information, as underscored by 15 USC 6801. This statute emphasizes Congress 's intent for financial institutions, including furnishers of information to credit agencies, to uphold a commitment to customer privacy and confidentiality. Pertinently, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish consumer reports under specific circumstances, explicitly when directed by the consumer in writing. I have neither provided nor consented to the furnishing of my information to Equifax, XXXX, or any financial institution. Consequently, any form of consent, whether expressed verbally, non-verbally, or implied, is hereby revoked. Further reinforcing my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options. This obligation has not been fulfilled by the furnisher of information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in reports without authorization. The presence of such information on my account violates this provision, as well as 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits furnishing inaccurate consumer information. Moreover, in accordance with 15 U.S. Code 1681e, consumer reporting agencies must establish reasonable procedures to prevent violations of consumer reporting laws. Equifax and XXXX have failed to fulfill this obligation. Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax and XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one opened account used my personal information. Please remove this account from credit report. 

XXXX XXXX XXXX -date fraud began XX/XX/2003 account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed! I want it removed right away.
Product: Vehicle loan or lease

Purchased a XXXX XXXX through BMW Finance and they're reporting duplicate/negative information still since of which the loan has been paid off XXXX XXXX. Also to which previously was not negative since XXXX. Bc of refi, the loan shouldn't have reported negative. We are now 4 years and the refi loan was paid and original was supposed to have dropped off and was told they weren't supposed to report. They both were taken off XXXX and XXXX, but was still on XXXX. Now showing they're back on. So wrong and under FCRA they should be completely removed.
Product: Debt collection

This was an original that with XXXX XXXX, it was a case of Identity theft. Valid the account was opened illegally and its not valid. Was sold many times over to collection agencies. I have been unable to remove this from my credit report for the last eight years. I have had collection agencies attempt to collect a debt that has never been confirmed! I have requested confirmation of debt none has ever been given!
Product: Student loan

Nelnet.com makes it very difficult to find the remaining term of your student loans. Logically, this information should be made available as part of the " Loan Details '' page or on the monthly account statement, but the only place you can find this information is to go to " Documents '' and " Payment Schedule ''. It 's almost like they do n't want borrowers to realize how long is left on their loans.
Product: Checking or savings account

I am trustee for my uncle 's trust. brought necessary documents to bank and now PNC of XXXX XXXX XXXX XXXX. XXXX pa XXXX. Said I would have to the lawyer who wrote the trust that this was the last will I brought the first will and the latest will with me. I went to XXXX other bants with all the documents and no problem. PNC said the dates on documents didn't match what they had on record I said why don't you call the Lawyer and ask him I gave the phone number this is not my lawyer it was my Uncles I said he could email letter they said PNC needs actual letter called Lawyer I would have to bring my copy of will he didn't have one how in the world does lawyer know if it is last will written that's what I told bank .I told PNC you have more documentation than the lawyer my Uncles money was put in cds paying XXXX percent my bant is paying 5.5 % PNC wants to hold on to the money as long as they can at that low rate the money was just reallocated at that low rate
Product: Credit card or prepaid card

I had a purchase on a XXXX chase card that wasn't made with my permission. The charge was refunded from my statement and then added back on after the concluded it wasn't fraud. The purchase was not me. This needs to be reversed immediately. They have done this to me and my family remembers before over the last XXXX  years until we get you guys involved.
Product: Debt collection

XXXX Online Information Servies ( XXXX XXXX XXXX are stating that I owe them {$750.00} with account # XXXX for a person that lives in TX XXXX I have lived for the last 25 years in Florida.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am following up on a prior complaint I filed against the credit bureaus for failing to investigate my dispute regarding inaccurate information on my credit report. I filed a complaint XX/XX/2024 and they said I didn't send enough information. Though I have already sent them copies of my license, social security card and a recent proof of address I sent it again wit my most recent dispute and they failed to investigate and respond within 30 days. The bureaus nor the furnishers have done what the law states and correct or delete the inaccurate information. I am currently weighing further legal options because they have not done their jobs while violating the law and it is causing me a great deal of harm and stress.
Product: Checking or savings account

I sale packages of meat for a living and on XX/XX/2021 I sold a package to a customer by the name of XXXX XXXX XXXX, for the standard {$250.00} fee. The funds were given to me via personal check from XXXX in the amount of {$250.00} and was dated XX/XX/2021. I went into my usual Mountain America Credit Union that I have always banked with to cash the check. I received the {$250.00} in cash and went about my day. Almost 9 months later I received a notice from a XXXX XXXX XXXX Utah legal defender, XXXX XXXX, stating that the check was cashed for {$1200.00} and that I was facing up to three years in prison being charged with Theft By Deception. I was able to pull a copy of the check and it does appear that someone had written a line in the numeric box amount on the check making the amount appear to be {$1200.00}. The legal line # XXXX however was written out as Two hundred and Fifty dollars. I did not receive an extra {$1000.00} as I am being accused of. I do not know where the extra $ 1,000.oo went but I do believe this to be a bank error as the legal line had the amount written as two hundred and fifty dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity thft victim. incorrect info on report XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  usa/XXXX  XXXX  XXXX XXXX.XXXX. XXXX reporting late payment in XXXX. ( i was never late )
Product: Mortgage

Bank Of America Heloc Application On XX/XX/2022 we began a heloc application for {$320.00}, XXXX. We were told that the process could take as long as 12 to 14 weeks. 

Subsequently, we agreed to reduce the amount to XXXX to be within the underwriting guidelines of 70 % loan to value. 

The underwriting process was dilatory, time consuming, clumsy with repeated requests for redundant materials. Some of the delays were inexplicable. The process went on so long that credit reports had to be run again The best that was offered from XXXX XXXX, our contact, was on the order of Underwriting has changed their system. What that meant neither he nor we knew. 

We provided whatever was asked in an extremely timely fashion. The process consumed an inordinate amount of our time and attention. This already was a form of abusive lending practice On XX/XX/2022 in conversation with XXXX XXXX it came out that the loan amount had been reduced to {$150.00}, XXXX. This was a stunner after 23+ weeks. 

We had no prior indication of this either verbally or in writing. We had and have no idea at what point it happened. 

XXXX XXXX did not know how or why it had happened. He said he would do some research. 

He came back with underwriting did it. He then appeared to say that underwriting did it because it classified the house as not being owner occupied. 

XXXX XXXX was occupied by co-owner throughout as it still is at this writing on XX/XX/2022. 

Bank Of America Heloc has broken trust and wasted an enormous amount of our time and energy in dilatory processes utterly without transparency. 

Contingent on securing a Heloc loan of {$250000.00} we had signed a contract for an extensive renovation of the XXXX XXXX property. We are now not able to go forward with that project. 

We have suffered a variety of harms, nor do we believe that this is likely to be an isolated ca
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Toyota Financing. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness. 

The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward. 

I was also discriminated against on a phone call not to recently ago when contacting Toyota the lady was very rude and talked down to me. 

As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them. 

All three credit reporting agencies are reporting the lateness despite my disputes. 

They are also reporting my XXXX XXXX when that car has been sold already. 

Thanks,
Product: Debt collection

As dated, XX/XX/2023, I demand cease and desist. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action
Product: Debt collection

I consumer XXXX XXXX XXXX entered into a consumer credit transaction with Harr Toyota Inc on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Harr Toyota Inc took cash. The finance charge is supposed to include insurance, but harr Toyota made me purchase insurance separately. Harr Toyota is therefore criminally liable pursuant to 15 USC 1611.
Product: Debt collection

Portfolio Recovery Associates is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX  about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.
Product: Vehicle loan or lease

Tesla company provided extremely high pressure time frame and I was unable to shop for auto loan. Sales rep called over phone and provided high interest loan but was able to discount 2.25 % and asked if rates ok. I asked to see financial document but he said he accepted on my behalf. I still havent seen my loan document nor agreed to loan or signed. I feel Im not alone and plenty others are going through same. How can a bank give me loan without my approval or consent or signature. This is highly irregular. Please investigate the practice. Consumers are held with threat of order cancellations after waiting for over 7-9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed in this report are not mine. I have never done any business with or heard of this company. XXXX XXXX or the medical account listen on my credit report. I have tried to resolve this with the credit bureaus. I demand immediate removal and accounts blocked from both of these accounts from ever reporting in the future or being sold to any other illegal third party. Also, the law states any medical debt reporting is a hippa violation and must be removed. I'm a victim of identity theft my personal information was stolen due to the XXXX and XXXX data breach as well as the XXXX. My information was also found on dark web names listed on my report and address, not mine. Failure to comply and remove these accounts will result in a lawsuit and XXXX per violation. I demand the removal of these accounts immediately as the law states all information must report accurately and truthfully. This is defamation of my character and has caused my score to drop demand removal and blockage. 
remove these accounts immediately. 
I have also attached an FTC report.