23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have sent multiple remittance payments to this company and they have dishonored all of them, also they are not in compliance with 12 cfr 1005.30. Further more in the security agreement they have not informed me as to what is the security given. So I ask now what is the security interest that I the consumer have given in this transaction? Is the contract not between the seller and the creditor as defined in 16 cfr 433.1 ( f )? I as the consumer only have an consumer credit contract as defined in 16 cfr 433.1 ( i ) that evidences a debt from a purchase money loan. Nothing in this security agreement makes me liable for any payment or be subject to the injuries i have received from the parties non compliance. Due the the non compliance of the Seller ( XXXX XXXX XXXX ) taking a {$1000.00} downpayment from me and the creditor ( LENDMARK FINANCIAL SERVICES ) unlawfully taking my property forcing me to make payments on a security agreement that I endorsed as the contract between the seller and creditor. I am the injured party and I am receiving financial injury from all both parties by way of false and deceptive forms and false and misleading representations. The seller and creditor both are not in compliance of the truth in lending act and regulation z. Seller was instructed by the creditor to place a fictitious lien on my property title that I the consumer was using for personal family and household purposes where there was no lawful grounds of doing so and this was done by way of forgery ( 25 cfr 11.416 ). I have not signed a power of attorney to either party that grants either party to take these unlawful acts against me. Furthermore I was not given full disclosure as required by 12 cfr 1026 from either party nor was I given required right of recession forms as required in the truth in lending act ( 15 usc 1635 ). Attached is the multiple remittance that where dishonored. Please be advised that due to fraud and lack of full disclosure i am now exercising my right of recession. Upon notice of this correspondence consider notice of rescission given and please return to me all things required and see that the security interest is terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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 filing complaints against equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my report. Despite my submissions, equifax consistently responds within XXXX hours stating the account is indeed accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit report reporting act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX and Equifaxs may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceedings. Please remove all accounts
Product: Credit reporting or other personal consumer reports

I sent you a FTC report on XX/XX/XXXX about these fraudulent inquires and you refused to remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I attended an outpatient program called XXXX.Most XXXX hospitals don't charge you for money they can't collect from medicare.I 'm being billed because medicare wouldn't pay the full {$9200.00} this hospital billed them.I 'm on the hook for {$580.00} an amount medical wouldn't pay because I wasn't entitled to medical.This debt was incurred on XX/XX/XXXX2014.I was not told in advance I might owe a co-payment or be liable for any amount my insurance wouldn't cover.If I had been told in advance I might owe these people money I would not have attended their program.I also took steps to fill out paperwork indicating hardship originally in 2014.I was discharged from the outpatient program in 2014 over this.This isn't fair I had been convinced by the director of the program I wasn't going to have any liability because of the hardship paperwork that was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX balance. Account number XXXX XXXX balance XXXX XXXX account number for XXXX XXXX XXXX I dont owe these Ive despited to the bureaus no proof of debit. I need these removed asap its hindering for financing home.
Product: Debt collection

After carefully reviewing my latest credit report, I've found multiple fraudulent accounts that appear to have been added without my consent.
Product: Credit reporting or other personal consumer reports

Equifax sent a message receipt stating that they received my notice of trafficking of person which requires a block within 4 days! Although when I reached out to Equifax my phone they stated they havent received my documents! This is misinformation, mis informing, and misleading by sending a l message stating they received my documents and are working on it but havent! Due to the extent of this matter my information should have been updated within 4 days and if there was any additional information needed, I should have been notified within 5 days of them receiving my notice! Im demanding performance of this company in which they keep their obligation and follow regulations set out for them to follow dealing with trafficking of persons. Being a victim of trafficking in persons is a serious crime and the credit reporting agency are making me assessable to more harm and endangerment!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the 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 account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$2500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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

I have contacted Chrystal Capital and all three credit locations to inform them that this account is settled with Chrystal Capital. I have provided documentation to show that this account is settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove accounts : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft AM HONDA FIN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX FIN XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX CO XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX DOB XXXX SS XXXX I have a ton of addresses that are not mine and are not correct. 
XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX XXXX XXXX XXXX XXXX - XXXX - {$2400.00} ( XXXX ) XXXX XXXX - XXXX - {$5900.00} ( XXXX ) XXXX  XXXX - XXXX - {$3100.00} ( XXXX ) XXXX XXXX - XXXX - {$4700.00} ( XXXX XXXX XXXX ) XXXX - XXXX - {$3500.00} ( XXXX XXXX XXXX  ) Inquiry XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I AM HAVING ISSUE WITH MULTIPLES OF NAME VARIATIONS APPEARING ON MY FILE.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite my diligent efforts to rectify this situation, these fraudulent entries persist, causing severe financial distress and adversely affecting my ability to secure loans and financial opportunities. 

Below, I outline the specific details of the fraudulent items and the numerous attempts I have made to address them : I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items. I have provided all necessary documentation to support my claims, and I have made multiple attempts to rectify this situation. However, my previous efforts have been in vain, and these fraudulent entries continue to inflict significant financial harm and emotional distress upon me. 

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items and takes immediate action to remove them from my credit report. Additionally, I urge you to implement measures to prevent the recurrence of such inaccuracies on my report in the future. 

I am prepared to cooperate fully and provide any additional information or documentation required to resolve this matter expeditiously. I am asking for your assistance to remove the following fraudulent items immediately : 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 XXXXXX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2022 the credit report agency is reporting information that has been discharged the records need to be updated an corrected to paid my account needs to be credited
Product: Credit reporting or other personal consumer reports

Recently, I was notified by the Bureaus that they received my information and dispute letter. However, they refused to investigate, claiming it was not properly authorized by me and suspecting it was submitted by a credit repair company. 

I have been dealing with this same issue with ( Bureau ) for months, and I am beyond frustrated. It feels like my rights as a consumer are being disregarded. I have the right to dispute any inaccurate information on my report, yet every time I submit a letter, I receive the same response. 

Please advise on how I can resolve this issue. Thank you.
Product: Money transfer, virtual currency, or money service

Paypal limited my account for 180 days, freezing my funds, currently more than 250 days have passed and I still have not received a response from them to recover my money, I need your help and cooperation to be able to transfer my funds to my bank account.
Product: Debt collection

XXXX sent over a debt to collections that I had already paid to them directly. I never received a letter or call about them sending it over to collections. I had already paid them in XX/XX/2020 from the bill they sent me. They sent to the collection agency Harris and Harris that I owe {$1400.00}. They send a bill to me saying I only owed {$48.00} which I paid to them and my insurance took care of the rest. This should have never been sent to Harris and Harris because I had already paid XXXX  directly. I have contacted Harris and Harris and sent them proof I had already paid and they have not removed it or done anything with it after multiple attempts to get them to take it off. Harris and Harris was also telling me that XXXX XXXX wasnt a part of XXXX XXXX when it clearly states they are on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called Equifax and spoke to a representative who informed me that two accounts was removed from my credit file which should not have been removed. Those accounts are : XXXX/XXXX    XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I am in correctly being wrongfully reported as, " late payment '', on my car loan. I bank with Wells Fargo and have a car loan with their, " Dealer Services '', division of Wells Fargo Bank. I sent XXXX payments to Wells Fargo through their bill pay portal attached to my checking account to pay for my Car loan payment. In XXXX occasions the payments were not processed immediately, they were processed several days after I had authorized the payment and thus rendered late by, " Dealer Services '', claiming that they are separate divisions and if I want a payment to be process immediately I have to do it through the dealer portal, which I since have started to do. The last payment that was authorized on Saturday the XXXX / XXXX / XXXX and was not processed until the XXXX/XXXX/16 on the other end of the, " Dealer Services ''. This is the same bank, Wells Fargo, and they have deliberately reported negatively to stop me from pursuing a refinancing on my car loan that is at an Extortionate rate of XXXX % for this loan. They refuse to refinance it and are attempting to sabotage my credit score by withholding payment and not processing my payment on time to impact my credit score. 

Please help me take these negative listings off as they are the only negative information that is on my credit report and impacting my ability to qualify for a mortgage loan. 

Thank you very much for all your help and great service you provide to the consumer.
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 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Bank of America overdraft management is ridiculous, they delay any transfer received from another bank in order to charge any type of fees, obviously this abuse just happens with the pour people