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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I received notice from cfpb that the company reponded and to provide feedback on there response. I had submitted a complaint about XXXX XXXX XXXX XXXX removing 4 positive in good standing/paid loans off my credit reports. I received a letter last month from XXXX XXXX XXXX XXXX XXXX that they will delete the delinquent loan ( which was outdated and incorrect anyway ) off my credit reports and re-instate the 4 positive loans ( satisfied ) back onto the credit reports. They still have not put these 4 satisfactory loans back onto my credit reports. They did delete the one showing delinquent but not the postive ones. This is affecting my credit score. The letter from XXXX XXXX was advising me they would take care of this.
Product: Credit reporting or other personal consumer reports

This will be the last time that I reach out to you all. This auto loan does NOT BELONG TO ME AT ALL! I NEVER OWNED THAT CAR I NEVER SIGNED A LEASE ON THAT CAR. SOMEONE USED MY INFORMATION WITHOUT MY CONSENT NOR KNOWLEDGE AND THAT IS HOW THIS MATTER OCCURED. I ALREADY EXPLAINED THAT TO YOU ALL AND AT THIS POINT YOU GUYS ARE BREAKING THE LAW! THIS IS CRAZY AND ABSURD PER 15 USC 1681 B. I WILL BE CONTACTING THE XXXX XXXX XXXX AND MY STATES ATTORNEY GENERAL AND I WILL BE SUEING IF YOU GUYS DO NOT REMOVE THIS FROM ALL 3 OF MY CREDIT FILES NOW!
Product: Money transfer, virtual currency, or money service

Paypal held my money for the 180 days and I still can not withdraw the funds. No one can tell me why or answer any questions on the time frame.. I received no email as to why XXXX XXXX XXXX Last 4 of my ssn is XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXXXX/XX/XXXX
Product: Consumer Loan

I am one month late on my car loan and the company is harassing my mother, father in a different state and even had the audacity to call a XXXX. This is illegal.
Product: Credit reporting or other personal consumer reports

I checked my credit report this afternoon and It seems like some discrepancies are showing up on mine. What I mean by that is that there are unauthorized inquiries I have no idea on that is appearing on my end.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX From NATIONAL CREDIT SYSTEMS, has violated my rights. 
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.
Product: Money transfer, virtual currency, or money service

Hello, I was scammed on instagram by this lady who said she could invest my funds and give me major profit on my return. The only reason I did this was because I saw somebody I knew do it. However, I gave this person 3 thousand dollars and they were still asking for more. They were asking for another 4 thousand dollars. This was all done in the XXXX app. And I purchased etherium as currency. Im really scared and feel horrible about losing this money. Her XXXX  was @ XXXX. I asked for my money back and she no longer responds.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX/TFC. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
Product: Credit card

I will forego all the the details and get to the bottom line... B of A makes it EXTREMELY DIFFICULT to close a credit card account, and each day the account stays open, they are adding more interest. I made a payment on the card to bring the balance to XXXX and then attempted to close and get confirmation of closure. In searching their website, they state that you MUST call or write a letter to close the account... nothing can been done online, although many, many card issuers will allow an online request to close an account. Being totally against trying to communicate with B of A via the U.S. mail system, I called the XXXX number and navigated through the menus. Although at one time, the recording did say that call volume was high, they NEVER give an estimate of how long the wait will be for the " next available representative ''. Calls have been made multiple times, and tonight ( XX/XX/year> ), I waited online for nearly 40 minutes before disconnecting. The problem is that there is ALWAYS high call volume. There are no other options, such as leaving a number for them to call you back. This whole process is a huge hassle for the consumer, and should be illegal, especially since they will continue to charge you any fees they can! 
Bank of America needs to dramatically improve the process to close an account. Period.
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 consumer 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 and list of Inquiries 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 a 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: Debt collection

XXXX XXXX XXXX is reporting a collection account for {$4500.00} allegedly from Citibank N.A., scheduled to remain on my credit report until XX/XX/year>. I do not have any contract or agreement with XXXX XXXX XXXX, and I dispute the validity of this debt. 

I have formally requested validation of the debt under the Fair Debt Collection Practices Act ( 15 USC 1692g ). They have failed to provide documentation such as a signed original agreement, itemized statements, proof of purchase or assignment, and their legal right to collect or report this debt. 

Under the Fair Credit Reporting Act ( 15 USC 1681s-2 ), furnishers may not report information that is inaccurate or can not be verified. Reporting this debt without full validation is a violation. Additionally, under the Utah Statute of Frauds ( Utah Code 25-5-1 ), this type of alleged debt must be supported by a signed written agreement to be enforceablenone has been provided. 

XXXX XXXX XXXX has continued to report this item despite it being disputed. I believe this account is not legally verifiable, not contractually valid, and is causing serious and unlawful damage to my credit. 



Resolution Requested : I request that the CFPB require XXXX XXXX XXXX to either : XXXX. Provide full validation of the debt ( including original signed contract, itemized breakdown, and proof of ownership ), or XXXX. Immediately remove the account from all consumer credit reporting agencies and cease all collection efforts. 

This account must be removed if it can not be properly and legally validated. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

XX/XX/XXXX my brother and I purchased a car which we financed through XXXX XXXX. The loan is in both our names and reports on both of our credit reports. Sometime between XX/XX/XXXX and XX/XX/XXXX, we were the victims of identity theft and embezzlement which resulted in our sustaining a major financial loss but also some of our bills not being paid as a result of the person embezzling our funds was not paying our bills. It came to our attention that in order to succeed in this scheme to defraud, the person in question caused to be faxed and or mailed various documents to creditors such as Chrysler Financial which was supposed to give them permission to speak with this person and to make any changes on our account. Chrysler without any care or due diligence accepted letters from this person as well as telephone calls where he said he was us and further made changes to the account resulting in not only the account not being paid but in my brother and me not being notified about any delinquency on the account. This went on for a long time and it was only because we were notified by a family friend at Chrysler that the car was on the verge of being repossessed that we were able to take immediate steps to save the situation. We have registered complaints with the executive office of Chrysler to no avail. We have been able to catch up on the payments and by XX/XX/XXXX will have finally caught up. Given the circumstances, we have petitioned Chrysler on numerous occasions to adjust, amend or otherwise roll back the negative information being reported by them on our credit reports. It is axiomatic to say that had Chrysler not breached our privacy by allowing unchallenged information and records to be changed we would have been alerted to the fact that our account was behind. I view Chrysler complicit in this matter and liable to us for their negligence. Their reporting has ruined our credit and it is worth noting that each and every other creditor similarly positioned went back and adjusted their credit reporting as a courtesy for their failure to engage in due diligence and what has happened to us. A review of our credit will indicate that some of our bills were not paid during this period but most were. We have previously supplied information to the Chrysler Financial executive office however they have ignored us to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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

Pulled my credit report and noticed addresses and information on my report from FRAUD and ID theft that injured my credit years ago. 
I sent them letters 2 times and have made a report with CFPB and was asked to wait 60 days. The 60 days have passed and my report is still furnishing false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly 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 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified information on my report that is a result of identity theft. These items are not related to any transactions completed by me.All old and out dated information leaves me more susceptible to identity theft. 
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 Amongst 50 plus hard inquires, As well as 45 soft inquires on my consumer report showing up daily on all 3 bureaus.
Product: Credit card

Take a look at the documents attached. I would like the bureau to commence an examination of these accounts, as I have never been tardy with payments, yet they are erroneously marking me as overdue.
Product: Credit card or prepaid card

Bank of America makes it nearly impossible to close a credit card. Every service offered by BOA has an electronic option via website or APP except for 'closing an account '. BOA forces a consumer to wait for hours on hold on the phone to close an account. This makes no sense when all other services are offered electronically. It's obvious that BOA makes it nearly impossible to close accounts for a reason - that is to encourage more consumer spending. Additionally, once an account is requested to be closed, BOA will NOT provide electronic communication to a customer confirming that the account is closed. Despite BOA 's endorsement of 'Paperless Correspondence ' AND and customer 's request for 'Paperless Correspondence ', BOA does not have the option to confirm electronically that an account is closed. So basically, once a consumer spends hours on hold waiting to speak with a customer service rep to close an account, and once that account is requested to be closed, the customer then has to rely on USPS mail to deliver a confirmation letter that the account is in fact 'closed '.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to request further information regarding my account with Wells Fargo Card Services , specifically Account # XXXX. Upon reviewing my credit report, I noticed discrepancies related to this account, and I would like to seek clarification. 
Account Information : Creditor : Wells Fargo Card Services Account Number : XXXX I have the following inquiries regarding this account : * A detailed breakdown of the charges associated with Account # XXXX. 
* Explanation for the charge-off status of the account. 
* Any documentation or evidence supporting the validity of the balance claimed. 
Understanding the status and details of this account is crucial to me, as it impacts my financial standing and creditworthiness. Therefore, I kindly request your assistance in providing the requested information. 
Enclosed, please find a copy of my credit report highlighting the account in question for your reference. 
Thank you for your attention to this matter. I eagerly await your response. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

The sent a very threatening message, and then proceeded to refuse to give me the purchase agreement or validate the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Deposited a insurance check for XXXX on XX/XX/XXXX from insurance company. It was placed on hold and released by branch manager. On XX/XX/XXXX went into branch to withdraw funds which was approved again. The next day the check came back as return item as the check was stopped due to vehicle being totaled instead of repairable and I was never advised it was stopped. The branch manager called me a threatened me saying the check came back fraudulent when it was a legitimate check I just did not know a stop payment was placed. The branch manager stated she only released it because it was gon na clear next day. Now they are trying to place a warrant for my arrest when they have all the documents I sent over to prove this check was legit. I called Customer service and they advised check was not fraud it came back as just a return stop pay. The branch manager then deleted the image so no one could see it was a stop payment and it a fictitious or fraudulent transaction. I will sue this bank if my character or name continues to be defamed or if I am arrested for any fictitious matter
Product: Debt collection

I sent a USPS certified mail/return receipt letter to Financial Adjustment Bureau XXXX XXXX XXXX, XXXX, IA XXXX, requesting a debt validation letter and to discuss the issue of the interest they were applying to this medical debt. 

Their response to this validation request is enclosed. I am not sure if their letter is sufficient enough to be construed as a debt validation letter. They included a convoluted statement from XXXX XXXX XXXX, but nothing that states XXXX XXXX XXXX acquired the services of XXXX XXXX XXXX to collect the debt. 

They stated " Under Iowa law, if interest is not specified in writing, it is allowed at a 5 % annual percentage rate at commences six months from date of charge. '' I went online under Iowa Interest rates laws and saw this, but it did not indicate this applies to medical debts. One website states " Whether a loan is to buy a car, a house, or just to pay the rent or other household expenses, '' but medical debts are not " loans. '' Also, in their letter they did not state what part of Iowa law they are referring to, such as chapter and sections, or any proof under Iowa law that this applies to collecting on old medical debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9900.00} INQUIRIES : XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The inquires below are not mines and are ID Theft. Please review and delete. I have added a ID theft alert to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I was a victim of a data breach, which compromised the following accounts : XXXXXXXX XXXX XXXX ( account ending in XXXX ) XXXX XXXX XXXXXXXX XXXX account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX ) In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and permanently delete these accounts from your records within four ( 4 ) business days. Under the FCRA, specifically 15 U.S. Code 1681c-2, consumers have the right to request that fraudulent accounts be blocked from their credit reports in cases of identity theft or data breaches.

Please confirm once these actions have been taken. Thank you for your immediate attention to this matter.
Product: Checking or savings account

A representative from Bank of America said that they would accept a check to avoid overdraft fees, but then placed a hold on the funds in order to maximize fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/XXXX regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.