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

XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

BXXXX 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 would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX/XXXX  XXXX  Account Number : XXXX XXXX/XXXX  XXXX  Account Number : XXXX TransUnion : XXXX XXXX  Account Number : XXXX Account Number XXXX XXXX
Product: Money transfers

I made a transaction using western unioun, about 7hrs later, I seen where the declined the transaction and they never gave me reason why.The took $ XXXX plus {$11.00} for the fee off my card.they said it would be put back on in 7 days.XX/XX/XXXX is when i sent they western union or tried to .It is now XXXX XXXX and i still havent got my money, and i have called, i have sent bank statements showing where they took my money.I am getting know where with them, The way i see it they took money off my card in 3 seconds, it shouldnt take 30 days, I really need that money at the time.They just wont work with me or tell me the truth they just give me the run a round.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company and provided them with the correct addresses that should be on file. Company has not removed the incorrect addresses even though I provided documentation
Product: Credit reporting or other personal consumer reports

Report Number XXXX Date Generated XX/XX/XXXX Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance {$2100.00} Terms - On record until XX/XX/XXXX Dispute hasn't been resolved with no explanation
Product: Debt collection

I am being harassed by this company and I do not owe any debt regarding their claims. I am being harassed and tortured nonstop by mails and calls.
Product: Credit reporting or other personal consumer reports

I recently retrieved a copy of my credit report and noticed I have a fraudulent account on my report. Please remove this account from my report ; they are hurting my ability to obtain credit.
Product: Vehicle loan or lease

I don't have any knowledge of this auto loan on my credit report. I've been recently trying to build my credit and notice an auto loan on my report I have not open, applied for, or even knew existed. Please removed this off my report as soon as possible.
Product: Debt collection

I purchased a six month car insurance policy with a monthly premium. After paying for six months, I sold the car and cancelled any FUTURE RECEIVABLES for any EXPECTED or ASSUMED Policy RESUBSCRIPTION. 

After VERIFIED through TWO AGENTS of XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX - they RESOLD MY PERSONALLY IDENTIFIABLE TAXPAYER INFORMATION to a disinterested 3rd party without Notice, Consent or Authorization. 

The THIRD PARTY debt collector using the STOLEN INFORMATION ( my XXXX ) to originate their counterfeited claims is not only FDCPA but also FCRA and a CONSUMER TORT. My credit is Damaged and as a result, I am unable to USE my OWN GOOD NAME and my own Credit I've re-established since XXXX2011 when my XX/XX/XXXX XXXX Bankruptcy case was DISCHARGED.
Product: Consumer Loan

US Bank is charging a fee to lessees, in the amount of {$1500.00}, if the consumer elects to exercise their purchase option through a dealer, not directly through US Bank, at the end of their lease. This fee is not disclosed on the Lease contract. The contract does disclose a purchase option fee of {$350.00} which is calculated into the purchase option price. US Bank was a primary lease provider for XXXX for approximately 4 years which exposes many consumers to this extra, hidden fee. I have attached a scan of a contract which does not disclose either the fee or the fact that the consumer can not exercise their purchase option at a local dealer. Circled are the sections related to the end of term purchase. I have contacted the State of Maine Bureau of Consumer Credit Protection who directed me to contact CFPB since US Bank is a federally regulated bank. I hope you can help the many consumers who are currently nearing the end of term on their current US Bank leases.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS ON CREDIT REPORT I HAVE CONTACTED CREDITOR AND CREDIT BUREAU 'S AND HAVE NO RESULTS THESE ACCOUNTS DO NOT BELONG TO ME OR AND I DO NOT OWE ANY OF THEM MONEY CONSUMER ADJUSTMENT CO Original creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2021 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here are the list of items which are UKNOWN to me : 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 had a credit report pulled for employment and my parents address came up in XXXX, FL for a debt from XXXX. I have not lived with them since XXXX of XXXX. I believe my parents may have used my social security number behind my back.
Product: Debt collection

This company popped up on my credit report as a collection for a hospital and reporting under another company named XXXX which makes this company reporting on the same debt twice on my credit report. I want the debt to be validated because I never received of letter to validate that the debt is truly mines.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt for XXXX originally from HSBC that is not mine. I challenge that I owe this debt and request proof that I actually incurred this debt, not simply proof that a collection agency owns it. Furthermore, for this debt to hypothetically be mine, it would have been first delinquent in XXXX 2008. This places the debt outside the 6 year statute to be collected on, and past the 7 year limit on being reportable to credit bureaus. Collecting or reporting in this debt is a violation of my consumer rights and the FCRA, as well as the FDCPA.
Product: Debt collection

On XXXX, XXXX 2017 I disputed account was not received due to a change of address and ask the company to remove late payments. The never verified my a debt.
Product: Vehicle loan or lease

I bought a car from advantage XXXX a 2017 XXXX XXXX and I bought the gap insurance as well from XXXX XXXX and had full coverage from XXXX XXXX XXXX and my car was claimed a total loss they had me surrender my vehicle and a gap and my insurance company together did not cover the entire price of the vehicle why that happened I don't know I thought Gap was the purpose of finishing paying off if the insurance company did not pay off so now I have {$1600.00} balance on my credit report from Chrysler Capital can you please help me
Product: Credit reporting or other personal consumer reports

I file this formal complaint against TransUnion regarding their failure to uphold the Fair Credit Reporting Act ( FCRA ) and are now required to provide monetary relief for violations of the FCRA and California Consumer Credit Reporting Agencies Act ( CCRAA ). Despite repeated attempts to resolve this matter directly with TransUnion, they have neglected to acknowledge their legal obligations and provide appropriate compensation for their infringements upon my consumer and privacy rights. 

On XX/XX/XXXX, I submitted a dispute letter to TransUnion regarding an unauthorized hard inquiry made by XXXX XXXX on my consumer report dated XX/XX/XXXX. I instructed and authorized TransUnion to remove this inquiry from both my consumer report and file, as it was made without my consent or permissible purpose. While TransUnion promptly removed the inquiry, they failed to issue the monetary relief for their negligent noncompliance which I am due under the FCRA. 

In subsequent communications, I clearly outlined the statutory violations committed by TransUnion, including but not limited to the furnishing of a consumer report without my written instructions, as stipulated by 15 U.S. Code 1681b ( a ) ( 2 ), and the failure to obtain written consent for the inquiry, in violation of California Civil Code - XXXX XXXX. Despite providing evidence of these violations and demanding appropriate redress, TransUnion has not responded satisfactorily. 

Furthermore, TransUnion 's actions have caused significant stress and hardship for me and my family. As the sole provider, these violations have hindered my ability to secure a stable living environment and have had a detrimental impact on my creditworthiness and mental well-being. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that TransUnion fulfills its legal obligations under the FCRA and CCRAA and provides the monetary relief I am entitled to. Issuance of monetary relief is not only required by law but will also serve as a show of good faith on TransUnion 's part to rectify their violations of my consumer and privacy rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that TransUnion complies with the FCRA and CCRAA. Additionally, I urge the Bureau to hold TransUnion accountable for their negligent noncompliance and failure to provide adequate redress for their violations. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect consumer rights and uphold the integrity of the credit reporting system.
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, XXXX ) that  I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX XXXX  in XXXX IL. I brought the car back because it was smoking. As soon as I got out of the car with my XXXX year old son the car blew up in flames. This has caused me a world of trauma. The car company has since placed a {$10000.00} collection on my credit which I want removed. This was not my fault that this company sold me a faulty car. I have tried to get this removed from my credit by filing a dispute with the credit bureaus and nothing has happened. I need assistance with this matter. I have not been able to get this account removed. I am going to seek an attorney to file a law suit. I wanted to try this method first.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXXXXXX  In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
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, 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 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.