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

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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 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 appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Consumer Loan

On XX/XX/XXXX my vehicle was reposed from home, while being parked in my drive way. During this repossession my friends car was parked slightly in front of mine and his vehicle was damaged. Additionally, Maryland law ( 2010 Maryland Code, COMMERCIAL LAW, TITLE 12 - CREDIT REGULATIONS, Subtitle 10 - Credit Grantor Closed End Credit Provisions, Section 12-1021 - Repossession ) states that I must be notified by letter or certified letter 10 days prior and a XXXX letter 5 days prior that my vehicle will be reposed. I never received either of these notices. American Credit Acceptance, the lender, stated a 10 day letter was sent back in XX/XX/XXXX, however, I made a payment on XX/XX/XXXX in the amount of {$460.00} and XX/XX/XXXX for {$460.00}. I never got another 10 day notice or a 5 day notice. My car was suddenly than reposed illegally. The law also states I can than get my vehicle returned without payment and American Acceptance is refusing to follow this process. Please help me in retaining my vehicle as I have paid over 18,000 on this vehicle which had an initial cost of XXXX and only have year left to pay. I am currently out of work due to injury on the job and this is own means of transportation for taking my son to school and going to school myself. Additionally, I believe I was taken advantage of as I have a 20 % interest fee and am charged {$25.00} everyday my payment is late. Maryland law also says I have the right to purchase my car at the auction it will be sold, but this is being denied to me as they stated it will be sold at an auction for only DEALERS, which I am not and thus would not be able to purchase my car.
Product: Credit reporting or other personal consumer reports

There are things on my Experian credit report that are either incorrect, wrong or need to be removed. Please see the list below : Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX A XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX XXXX XXXX Social Security Number : Listed twice : XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXncorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Soft Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Eight XXXX transactions were unauthorized by me, but transferred out of my account without me knowing, leaving it almost completely drained. The total amount is {$5800.00}! I'm XXXX XXXX XXXX and this is money I've saved over the last 3 1/2 years working part-time. I was in my last weeks of XXXX &XX/XX/XXXXduring this time and was not in my bank account so I didn't notice this was going on until I received an alert that my account balance was low. I never received a call from the bank 's fraud department questioning these transactions ( which are not in my spending pattern ) or a hold was not even put on my account. My account since has been closed so I had to redirect my current direct deposits from my job to my mom 's account until this is resolved. The transactions are as follows with the names of the individuals : XX/XX/XXXX - {$100.00} - XXXX XX/XX/XXXX - {$250.00} - XXXX XX/XX/XXXX - {$500.00} - XXXX XX/XX/XXXX - {$1000.00} - XXXX XX/XX/XXXX - {$1000.00} - XXXX XX/XX/XXXX - {$1500.00} - XXXX XX/XX/XXXX - {$1000.00} - Noble XX/XX/XXXX - {$500.00} - XX/XX/XXXX I filed a claim with Bank of America on XX/XX/XXXX and they denied it on XX/XX/XXXX in a letter I received by e-mail. My mom and I called and they said to get our wireless phone company records to prove that I didn't send texts authorizing codes for these transactions. We called XXXX and they said there were suspicious texts received in the middle of the night on XX/XX/XXXX from an invalid looking number. We faxed Bank of America these text messages records and a letter explaining everything attached to it. I received an e-mailed letter on XX/XX/XXXX denying my claim again! This is so very frustrating because it's obvious I did not do this... draining my account within 2 weeks through XXXX transactions from the money I've saved gradually over 3 1/2 years!! I need help getting this money back from Bank of America because it's my rights through Regulation E protection. Thank you!
Product: Checking or savings account

On XX/XX/XXXX, there was a charge to my td checking account XXXX for XXXX for merchandise I have never received. I have disputed this charge with td XXXX different times and however the chargeback was reversed. On XX/XX/XXXX, the merchant has refunded the amount to my account however, the account was closed on XXXX XXXX. XXXX td bank apply the credit to my bank account and reinstate the charge? The account should not have a negative balance as I have attempted several times to dispute the charge and was working with merchant on a resolution for merchandise, I have never received.
Product: Checking or savings account

On Wednesday, XX/XX/2022, I checked my mail, and there was a bank statement from TD Bank with my name and address. Since I do not now nor have I ever banked with TD Bank, I promptly contacted them to inquire about the account. The rep I spoke with told me I was the victim of identity theft and began guiding me on what I needed to do to ensure no further fraud occurred. She also told me the account would be forwarded to their fraud department and closed and that I would receive correspondence regarding the closure in 7-10 business days. 

After I got off the phone with her, I immediately began contacting all three credit Bureaus to implement safeguards on my accounts. I filed a police report with the XXXX XXXX Police Department the following day. Additionally, I went to TD Bank to ensure the account was closed ; and they did close it. The rep in the bank looked up the account and confirmed it was opened by the perpetrator on XX/XX/2022, using my correct social security number and DOB. However, the perpetrator used a fraudulent phone number and email address. 

TD Bank currently has a promotion where individuals can open new accounts and receive {$200.00}. Opening the new account can be done entirely online and does not require any credit checks, so I never received a prompt from my fraud protection service notifying me that TD Bank had opened an account in my name. 

My complaint is that TD Bank has no measures in place to prevent this type of activity from occurring again. Due to TD Bank 's negligent banking practices, I have now spent several days filing reports, locking accounts, and paying money on added security features. If TD Bank were interested in protecting against fraud, they would not have such lax security measures to establish accounts online. While the perpetrator is ultimately the criminal and at fault, TD Bank is equally culpable because they do not have adequate safeguards in place for potential victims of fraud. Additionally, their enticing promotions and the insufficient requirements to establish an account encourage criminal behavior -- they are begging criminals to be criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report I never applied or signed my signature for on Equifax and XXXX  Equifax fraudulent inquiries and dates are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fraudulent inquiries and dates are : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I would like removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 by certified mail I requested the following information be removed from my credit report as it is false and a direct violation of the FCRA In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( Late Payment Lending Point Account # : XXXX ( Late Payment ) XXXX XXXX XXXX XXXX XXXXXXXX ( Late Payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection Charge OFF ) 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 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the fraudulent accounts and inquiries listed below be blocked and permanently removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5200.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$420.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$5500.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I had an issue with my Student loan in 2016 due to cause of my mother become very ill. I made a simple mistake of not having my loan in deferment but when I got wind of it. I addressed the problem as soon as possible. Its currently in good standing right now, but the issue is the late payments that have been added to my credit report. I wrote a letter to Great Lakes which they did n't have an issue but I was told somebody on their board declined my request
Product: Vehicle loan or lease

Contacted company several times. They are continuing to report inaccurate information on my report I ask them for a debt validation letter as well I verified the information as being incorrect. They report open and/or close each month causing my score to drop. I sent them a copy of my correct information
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX XXXX I have no knowledge of what this is and why it is on my report it really needs to be removed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Agency ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX Debt Final Rule 1002 .142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX {$23000.00}, XXXX XXXX {$1100.00}, XXXX {$0.00}, XXXX XXXX XXXX {$18.00}, XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. Remove any other addresses please.
Product: Payday loan, title loan, or personal loan

False advertisement of loan, was approved for an unsecured loan of {$10000.00} and later was switched to a secured loan after pulling my credit and dropping my score. Was called at all hours of the day and night including as early as XXXX and the company used very misleading, misguiding and aggressive sales tactics. After informing a representative of OneMain Financial at the XXXX XXXX, MN location, I was not interested in the loan, I was called broke, was told I have bad credit and I do not own a vehicle because it doesnt show up on my credit report. A vehicle that was never financed or lease does not show up on a credit report. Also, They pulled a XXXX score of nearly XXXX and I sent income verification of making {$250000.00} a year. After declining the loan and being called inappropriate, unprofessional terms, the representative of the company laughed at me and hung up on me mid-sentence. Then proceeded to call my place of employment and hang up when someone would answer, they did this numerous amounts of times and would not answer the phone when calling back. This company is unprofessional, rude and is harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

XXXX, the day of my house sale the bank first horizon charged mete total of XXXX and XXXX is the collection of more than.The debt and I have tried to talk with the bank about the extra charge and they want to talk with me.Iwant my XXXX back.
Product: Debt collection

Midland Credit Management/Midland Credit Management over the last couple of months i have requested validation a couple of times for a debt that is listed on my credit report by this company. I have asked for evidence that bears my signature that shows a contractual obligation to pay Midland Credit Management or Midland Funding ( It uses more than one name ) depending on which credit bureau that you check with. I sent a certified letter to the one address listed on the credit report only to get it back with a forwarding address. This company has different names and address listed which is inaccurate reporting.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Account # XXXX Civil Liability for Negligence and Noncompliance Dear XXXX, I am writing to formally dispute the accuracy of certain information on my credit report as furnished by XXXX  XXXX XXXX XXXX the account originally incurred with " XXXX XXXX XXXX. '' This account is listed under reference # XXXX. 

Upon careful review, I have identified several inaccuracies and inconsistencies, which may constitute civil liability for negligence and noncompliance as per Section 16810 of the FCRA. The specific issues are as follows : 1. **Derogatory Account Status and Reporting Discrepancies : ** The account 's status is marked as derogatory with a balance of {$5000.00}. However, there is a lack of detailed monthly payment or adjustment records since the reporting date of XX/XX/2025. This inconsistency raises questions about the fidelity of the reported information. 

XXXX. **Two-Year Payment History Anomalies : ** The payment history is consistently marked as collection/chargeoff without any variation or updates. Such uniformity signifies possible inaccuracies or erroneous reporting practices. 

XXXX. **Absence of Payment Dates : ** The absence of a " Date of Last Payment '' further complicates accurate reporting, potentially compromising compliance with FCRA obligations. 

As stipulated under Section 16810, XXXX XXXX XXXX is obligated to maintain accurate, fair, and comprehensive reporting of debt information. The aforementioned inconsistencies may reflect a neglect of these responsibilities. 

In accordance with the FCRA, I request a prompt and thorough investigation into this account. Kindly verify the accuracy of the information and amend or expunge any identified inaccuracies. I request written confirmation of your investigation results along with any documentation that supports your findings. 

I expect a resolution within the timeframe prescribed by the FCRA. Failure to address this query adequately may necessitate further action. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA, XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX, TX XXXX Subject : Dispute of Erroneous Names on Credit Report Dear Sir/Madam , I am writing to dispute the inaccurate names appearing on my credit report issued by your agency. 

" XXXX XXXX '' This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FRCA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate name negatively impact the accuracy of the report. 

2. 15 USC 1681i - Duty to investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer displays the accuracy of their credit report. I request a reasonable investigation into these inaccuracies.

3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate name do not contribute to an accurate representation of my creditworthiness and should be removed. 

I kindly request that you investigate the accuracy of the name with my credit report, remove the inaccurate account, and provide me with a free copy of my updated credit report. Failure, to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX