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

Pursuant to 15 U.S.C. 1692c ( 1 ) ( 2 ) ( 3 ), the listed debt collectors shall cease all communication and remove all fraudulent accounts from my consumer report. The listed debt collectors have 4 days after receiving this notice to remove all fraudulent accounts from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally demand the immediate deletion of the inaccurate and harmful account information associated with XXXX ( Account XXXX : XXXX ) ** that continues to appear on my credit report. Despite previous attempts to resolve this matter, you have failed to correct these inaccuracies, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

After going to court for my property after XXXX years in XXXX, the court ordered the Mortgage Company SPS, to correct the mortgage on the property, and the interest rate will not exceed over 4 % for the duration of the loan. The deferred payment that SPS has added to my mortgage is not supposed to be there. The judge did not order them to attach that to my mortgage. I was so happy because they were trying to take my property and I have my kids and grandkids and we need a shelter. We needed our home. I did not pay it any attention at that time and when I did, I reached out to the company and I had a Attorney reached out to them But it was so affordable I couldnt pay for an attorney, so I decided to reach out to them on my own and thats what I have done. On XX/XX/XXXX. I reached out to my mortgage company via email. They received the letter and all the attachments but they have not responded as of yet. Now Im reaching out to you for your assistance in this matter. Thank you in advance.
Product: Money transfer, virtual currency, or money service

During the months of XXXX and XXXX I was searching for an apartment to rent. I utilized a resource recommended by the XXXX for servicemembers seeking housing ( XXXX  ). I responded to a listing on there on XXXX XXXX and was told that I needed to send them the security deposit and first month 's rent in order to secure the unit for move in. I signed a " lease contract '' and sent them the document via email on XXXX XXXX. The total amount for the above was {$3000.00}. I sent the first {$1000.00} through XXXX ( provided by my bank USAA ) on XXXX XXXX, then again on XXXX XXXX. I then sent {$500.00} on XXXX XXXX. I attempted to wire transfer {$500.00} directly from my bank but was unsuccessful for some reason on XXXX XXXX. I sent the final {$500.00} on XXXX XXXX, again thru XXXX. On XXXX XXXX, I was told I needed to pay a fee for something called a " Tenancy ID '' due to city policy and I submitted a further {$780.00} to cover that through XXXX. I then asked to view the property as the Property Manager stated the unit is not available for viewing until XXXX XXXX and got an odd response. Subsequent attempts to contact them have been met with silence. This was when I realized I was scammed and reported it to USAA. After XXXX rounds of dispute submissions, USAA declined to help me recoup my funds, citing the terms of use. 

All contact with this scammer has been thru email and the total amount of funds transferred to them is {$3700.00}
Product: Prepaid card

american express gift card {$100.00} declined everywhere I tried to use it. 
XX/XX/XXXX declined @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - called cust service in XXXX and was told that I first have to activate it which he said he did. 
XX/XX/XXXX card declined @ XXXX XXXX XXXX
Product: Checking or savings account

I have an account with Capital One, and I have early direct deposit that I usually get paid on Wednesday, its Friday, they didnt fix the problem yet, customer service phone number is collapsed, nobody answer, and I have bills to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under multiple U.S.codes the credit reporting agency/agencies have neglected to do a proper investigation and it is hurting my credit report and making it impossible for me to get things needed for me to live it is against the law for them to not do an investigation when asked and not remove the items that werent mines and failed to send me anything showing were a investigation of any kind was actually done on my behalf I ask for the cfpb to handle the his mishandling of my credit report by the agency equifax I disputed a inquiry XX/XX/2022 and got the results back XX/XX/2022 I need proof that an investigation was done I need proof that this is accurate and they refuse to do so I also read the law that states its a XXXX dollar fine for the mishandling of my report on each account that hasnt been investigated please help this is hurting me in multiple ways from being a provider to my family and costing me a lot of money due to the fact that things arent being handled by the reporting agencies.
Product: Credit reporting or other personal consumer reports

I am filing disputes on my credit report to delete a remove the information listed that is inaccurate and invalid reporting to my credit report. none of the accounts listed are following the FCRA guidelines. this has caused major delays and denials on my credit process. I am victim of identity theft and have any knowledge of thew accounts listed. please review and remove the listed items to help clear my credit report asap.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is acting in bad faith and has reported inaccurate and incomplete information on my credit reports. I want a full investigation and have this account removed from all credit bureaus until such time this matter gets resolved. No futher contact from them as it is in violation of federal and state collection laws and State of Florida business regulations and licensing laws as they are in breach of contract. Cease and Desist
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and found several unauthorized inquiries that were made without my consent or knowledge. These inquiries have negatively impacted my credit score and financial well-being.
Product: Vehicle loan or lease

I took out a loan with Challenge financial to buy a used vehicle. Challenge Financial picked up my car from a tow company XX/XX/XXXXXXXX  after it was towed XX/XX/XXXXXXXX  because it was in a red zone. I did not call them to pick up my car they simply voluntarily decided to do that. I went to go pick it up from the Tow Company and the Tow Company informed me that the legal owner had picked it up which was challenge financial. I asked them if I could get my car from them they want to charge me an additional {$600.00} to get it that I would not have had to pay. Had they allowed me to pick it up from the tow yard. The cars payments were not behind at the time that they picked it up on XXXX XXXX. I would like them to waive that {$600.00} fee for picking up the vehicle because they had no right to pick it up, and I did not request them to pick it up.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend all negative accounts that have been disputed and continue to be disputed as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On or about XX/XX/2023 I closed my checking account with XXXX XXXX  in XXXX XXXX, Florida. I zeroed out the account balance with a teller at their XXXX XXXX XXXX location and surrendered my debit card to be destroyed. My account was closed per the teller 's confirmation. I have since received overdraft fees for charges to the account, and have been informed that the account will remain open until I pay the sum of {$100.00} to the bank. I left XXXX XXXX due to their predatory overdraft fee structure, and now they are insisting that I pay back funds which I did not authorize as they were billed to a closed account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XX/XX/XXXXXXXX Balance : {$700.00}, XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX AXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize theres hard inquiries
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I looked at my credit report and noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year>, asking them to investigate these accounts, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I sent the letter certified. They sent me a reply stating they investigated, and the accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right.
Product: Credit reporting or other personal consumer reports

I had returned the car to the dealership after being notified that the abs system and the electrical system had faults. The dealerships told me they would fix it and never did and then reported to the bank that they had repossessed the car.Therefore it was reported to my credit and now says I owe XXXX and interest is currently growing.The dealership is called XXXX XXXX XXXX XXXX XXXX Nevada XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm very frustrated and highly upset. I've been trying to reach this bureau for their investigation results with no response. I've sent letter via certified mail dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. It has been well over 60 days and this is not right. Please send the results of the investigation immediately!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago, I had a catastrophic event that prevented me from paying my XXXX XXXX bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that XXXX reported me as deceased. I have tried to contact XXXX to correct the issue, and I have reported the error to Transunion and XXXX, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Payday loan, title loan, personal loan, or advance loan

They had me purchase a protection plan that would repay me for repairs but it never happened instead I could not even get the information of who to call. This was with One Main Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a car loan and Transunion is still showing my mortgage is delinquent when it is actually current, but since this is the only company the car loan people had access to, they could n't accept any other company 's reports.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry.

Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My car once again is undrivable. It is leaking coolant, and the indicator light on a vehicle saying is saying that there is some type of faulty in the coolant system. This car was purchased at the end of XXXX and now this is the second issue Im having with the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acc : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days
Product: Prepaid card

I have 3 prepaid visa cards, a {$50.00} and two {$25.00} cards. Everytime I try to use them they don't work, and now when I try to check my balance on the website ( XXXX  ) there's an error and I can't see where the balance is at or do anything like change the PIN or register/re-register the card. When I call the number provided ( XXXX ), it's just an automated service to check the balance, but after I put in the information, it keeps saying there's no account associated with the card, and doesn't provide any other prompts. On the card they claim there are no inactivity fees, so I know there's supposed to be a balance on there, and the expiration date is listed as XX/XX/, so it's not even close to expired
Product: Checking or savings account

I CANCELED the XXXX XXXX  policy effective XX/XX/2022 due to losing my job on XX/XX/2022. 
Payments for this policy were always made through the XXXX  XXXX website and I never signed a document authorizing XXXX  XXXX for automatic debit. XXXX XXXX debited {$450.00} on XX/XX/2022 to my Bank account without being authorized.
Product: Debt collection

I paid XXXX credit card debts that originated from XXXX XXXX. 
Due to hardship both credit card accounts were later passed off to a collection group called XXXX. This collection agency hired a law firm named XXXX XXXX XXXX who filed a civil suit for settlement amounts and both accounts were paid in XXXX of 2012. Recently it was discovered that XXXX never reported the debts paid. If I had not kept my receipts all of these years I believe that I would struggling to prove the debts were paid. These debts were paid four years and because XXXX did not promptly report this that it greatly affected my credit. 
If I had not kept my receipts it would have been my word against them and I am certain that these debts would have showed up again for collection down the road.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is what i got from Experian The dispute for the bankruptcy named US BKPT CT XXXX XXXXXXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Court Name : US BKPT CT XXXX  XXXX Address : XXXX  XXXX XXXX XXXX, XXXX XXXX TN XXXX Type of Record : Bankruptcy Reference Number : XXXX
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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.