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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX credit reporting agency , and Equifax credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXXXXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was a victim of identity theft and submitted a police report to verify my statement to XXXX and XXXX. Neither was willing to understand that I was a victim. Someone abstain an auto loan with dealer funding llc and XXXX XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement XXXX days earlier. Below is the list of the disputed account : XXXX XXXX XXXX Balance Owed : {$2600.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Debt Collection Practices of XXXX XXXX XXXX and Kohn Law Firm S.C . 

To Whom It May Concern : I am filing this complaint regarding the unlawful debt collection practices of XXXX XXXX XXXX ( XXXX  ) and their legal representative, Kohn Law Firm S.C. Below, I outline the events that led to my complaint : On XX/XX/year>, I received a letter from Kohn Law Firm on behalf of XXXX XXXX XXXX regarding a debt they claim I owe. This letter stated I had until XX/XX/year>, to dispute the debt. 

Following the instructions, I promptly sent a dispute letter, requesting verification of the debt and any associated contracts, along with a stipulation for their response within 30 days. This letter was sent via certified mail, and I have proof of receipt and signature. 

Thirty-one days passed without any response from Kohn Law Firm or XXXX XXXX XXXX . Under federal law, this lack of response invalidates the debt. 

To my surprise, on XX/XX/XXXX, XXXX  days after sending my certified dispute letterI was served with legal papers by Kohn Law Firm, initiating a lawsuit for the same debt I had disputed and for which I had requested verification/validation. 

In their XX/XX/XXXX letter, Kohn Law Firm clearly stated, If you write to us by XX/XX/XXXX, we must stop collections under federal law. Despite this, no action was taken to pause collection efforts or respond to my dispute letter. 

These actions by XXXX XXXX XXXX and Kohn Law Firm violate the Fair Debt Collection Practices Act ( FDCPA ) in several ways : -Failure to validate the debt within 30 days as required after receiving my dispute.

-Continuing collection efforts after a dispute was filed, including initiating a lawsuit, which directly violates the FDCPAs cease-collection provisions. 

I respectfully request that the CFPB investigate these violations and take appropriate action against XXXX XXXX XXXX and Kohn Law Firm S.C. Additionally, I ask that the CFPB ensure this lawsuit is withdrawn and that the debt in question is appropriately resolved or deemed invalid due to their failure to adhere to federal laws. 

My legal counsel and I are prepared to provide documentation supporting my claims, including certified mail receipts, copies of correspondence, and the original letter to/from Kohn Law Firm AND XXXX XXXX XXXX XXXX 

Thank you for your time and attention to this matter. Please do not hesitate to contact me at XXXX if additional information is required. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX****-Balance {$2300.00} XXXX-Balance {$660.00} XXXX XXXX**-Balance {$4100.00} XXXX XXXXXXXX****-Balance {$3600.00} XXXX XXXXXXXXBalance {$5100.00} XXXX****-Balance {$16000.00} XXXX XXXXBalance {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Equifax regarding incorrect information on my credit report. The dispute was filed the same time with XXXX. XXXX investigated and deleted the item meanwhile XXXX and Equifax have done nothing. This is adversely affecting me and I want this incorrect information removed.
Product: Debt collection

My XXXX year old daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to inaccurately report XXXX information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. XXXX reports that the account was opened XX/XX/XXXX, XXXX reports it was open XX/XX/XXXX and Equifax reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also XXXX reports the last date of activity as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX and Equifax reports it as XX/XX/XXXX. How could this be possible? This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
Product: Debt collection

I am not liable for this debt with XXXX XXXX, I do not have a contract with BERLIN WHEELER INC, they did not provide me with the original contract as I requested. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX, regarding my purported overdue balance of {$570.00} allegedly owed to XXXX XXXX. I have been a victim of identity theft for the past XXXX  years. There have been Fraudulent Items being reported to my Credit Report. The following account BERLIN WHEELER INC ( Account NumberXXXX ), Original Creditor : XXXX XXXX . Date Opened : XX/XX/2024. Balance {$570.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately to all credit bureaus. I am not liable for this debt with XXXX XXXX and I do not have any contract with BERLIN WHEELER INC.
Product: Debt collection

Integral Recoveries Inca is attempting to add interest ( {$17.00} ) to a Medical debt owed to XXXX XXXX NY. I would like to see original signed agreement where an interest accrual was permitted on this Medical debt. The company also threatens to report to major credit reporting agencies if not paid. Credit reporting is for consumer transactions, not obligations such as Medical, XXXX etch. See XXXX vs. XXXX. This notice not only provides an inflated balance but threatens credit reporting when they have no legal right to do so under the FCRA
Product: Credit card or prepaid card

I had closed a credit card with Chase less than a year ago. My wife inadvertently used this card to get a refund from a merchant, a grocery store. Upon learning of the mistake I called Chase to have the credit applied to my current Chase credit card. After a series of phone calls with customer service agents, dispute resolution agents and supervisors. Chase could find no record of the closed account. In my last conversation with Chase they agreed to apply a credit for the {$57.00} to my current card as a courtesy. I instead received the following letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK XXXX XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Open Monthly Payment : {$84.00} Date Opened : XX/XX/XXXX Balance : {$2200.00} No. of Months ( terms ) : XXXX High Credit : {$2500.00} XXXX XXXX : {$1000.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Auto Finance. I contacted them and provided proof regarding issue with my internet service as it timed out at the time I was making a timely payment. I was not aware this happened until the account was 31 days past due which at the time a timely payment was submitted. Although my situation was noted while I called and ensured payment was made to a live agent, it was not corrected. Furthermore to this, I retrieved proof from my cable company XXXX regarding the ongoing numerous outages in the area during the entire month. I submitted proof and the issue was never resolved, hence they continue to report negatively severely impacting my credit. This happened twice once approx XX/XX/XXXX for {$200.00} and approx XX/XX/XXXX for {$200.00}. Hyundai Financial has continued to report 30 days late on the 2 separate occasions noted. As a result of these outages I have implemented measures to ensure this will not happen again. I dont have a problem with my employment as my pay is well above adequate for my cost of living and has consistently been this way for 4 or more years. My account has been current and I pay as agreed. I need my report corrected as reported by the three credit bureaus XXXX, XXXX and XXXX. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I had extensive dental work done 2 years ago. I took a loan from XXXX at 0 % interest. I paidee {$350.00} dollars a month on a {$190.00} payments which I put on automatic payments and I just forgot about it. Looking over my bills yesterday I saw that I have been charged well over {$4000.00} in interest. The rate is exorbitant and unfair! I would never have agreed to pay this interest rate. Buyer BEWARE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equiafax was compromised and now my credit score has dropped drastically within a day I tried to get help but I have to pay for them to now protect me even though the negligence has already impacted me
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTING TOYOTA MOTOR CREDIT CORP ALSO KNOWN AS TOYOTA FINANCIAL SERVICES CREDIT REPORTING Name- XXXX XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX. XXXX XXXX. Washington DC XXXX XXXX last XXXX XXXX Account number XXXX I, XXXX XXXX, hereby officially disputing Toyota Motor Corp also known as Toyota Financial Services reporting to credit agencies as untrue. 

I am asserting that the reporting of late payment from Toyota Motor Corp also known as Toyota Financial Services is false or untrue. 

I have attached documents showing an up to date payments from Toyota Motor Corp also known as Toyota Financial Services .Reporting false info to credit agency amidst pandemic hardship is cruel and illegal business practices. 

I therefore employ you to investigate and adjust my credit report. 

Thanks XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX has been placed on my credit report. This is not my account, Im a Victim of Identify Theft and I have contacted all three credit bureau and experian and XXXX still is reporting this items on credit report.n 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 U.S.C 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. 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 artedates 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We successfully short sold our home in XXXX of 2016. The process was easy and fast. Everything was done flawlessely or so we thought. XXXX has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over 120 delinquent. I have reached out to XXXX several times to have this corrected. They have yet to do so. It is almost two full years later and they need to be held accountable now.
Product: Credit reporting or other personal consumer reports

Wrong address on Experian credit report. Address : XXXX XXXX XXXX XXXX XXXX Georgia XXXX is not an address that I have ever lived in or been associated with. I discovered this was on my report when I was the victim of identity fraud in XXXX of last year with XXXX XXXX. Since then XXXX XXXX has removed the fraudulent credit line from my report but this fraudulent address remains on my credit report. Experian stated I had to file a separate report in order to have this removed as one of my addresses.
Product: Debt collection

The first time I received an email from Caine and Weiner, I requested that they send me the original document as I never heard of the company before. If checking on my bank account i never made a payment to their business or use their services. I have requested the information on XX/XX/2023. I have sent them letters. No response. Every time they reach out by email, they request to pay an amount and the amount keeps on decreasing from the original email. In XX/XX/2023, they put a collection on my business account which I just recently found out.