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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX  XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -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 have given you mv identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate : XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, OFFICE OF THE ATTY GEN Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report. Account has been charged offed which then becomes cancel debt. according to the IRS this charge should have been reported as income. XXXX XXXX is reporting inaccurate information to my consumer report monthly which is a violation of 15 USC 1681s-2. This is damaging my consumer report and hindering me from getting additional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a letter was sent requesting the removal and update of several accounts reporting to my credit file inaccurately. 

( i.e, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  ) This letter was sent 60 + days ago. Not only have I not received an UPDATE regarding the results and status of the investigation. I STILL shave these inaccurate accounts reporting to my credit.
Product: Vehicle loan or lease

I contacted XXXX XXXX last year when I fell behind on payments. They put me on a program that lowered my payments to almost half of the payment for about 4 months. I made the payments, which had to be completed by XX/XX/XXXX. I was told that once I finished the program, my payments would show current. I paid off the program with a payment of {$1200.00} in XX/XX/XXXX. When I went I make my next payment, the minimum due exceeded {$2500.00}, but the normal payment that I was expecting was {$650.00}. I contacted customer service and was told that it had been fixed. When I checked my loan again, it appeared to have been fixed online, but I found out recently that I was placed into another program, due to effects of hurricane Irma. I never asked for or was told about this. My account showed no payment due. Once an amount due showed up, I paid the amount due. Then a couple of months ago, I was unable to log into my account online. My mother told me a repo man showed up at their home looking for me. Now I have a letter in the mail showing I am past due by {$3500.00}. I contacted them to make a payment and they advised me to pay {$290.00} last week, which is the remainder of XX/XX/XXXX payment and I would be taken from repo status for 10 days only. Now they want {$2300.00} to bring my account current which I dont have. I was not called about this. When I have made calls to resolve, they tell me they will escalate and I dont hear back. When I was pre approved for this loan in late XX/XX/XXXX, they discussed my loan with the dealer, who sold me an overpriced vehicle. My rate is sky high and I can not refinance. I cant afford a {$3500.00} payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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

Lets make this very clear, I am fed up with the excuses I am getting from you in regards to this account. This is not my account. If you can not provide me proof of this within 30 days then you MUST delete this bankruptcy at once. I will no longer tolerate this tremendous error to occur in something so sensitive and serious as is my credit report. 
This is the account that needs to be removed from credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Remove this account at once and since you claim that you have confirmed with them I need to see this suppose document with my signature on it proving this. If you can not provide me with this within the 30 days then you HAVE to remove that account. Do not push me to take legal actions!
Product: Credit reporting, credit repair services, or other personal consumer reports

This address is associated with accounts that i do not have ownership to.
Product: Vehicle loan or lease

It's Westlake financial. I have been disputing them on my credit report over and over again and they took it off my transunion report because it's not my account. I'm getting very angry that it keeps getting denied and left on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do have any contracts with this company. The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I have also sent letters to Experian over 30 days ago and have not received a reply or response. 
I have spoke to an agent and I was told that these items would be removed from my consumer report immediately and they still remain on my consumer report. This company has violated my right to privacy and multiple other violations. 

I am protected by the ( FCRA ) Fair Credit Reporting Act ( Right to Privacy as a consumer ) 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave this company any written consent to report or furnish anything to my consumer report. 

15 USC 1692- I am the consumer and the original creditor I am not obligated to pay any debt, I do not owe any debt 15 USC 1681 ( a ) ( e ) - States that you have to interview my family, my neighbors, or any of my associates to verify any account on my consumer report which this company did not do 15 USC 1681e ( b ) - You shall follow reasonable procedures to assure maximum possible accuracy of the information on my report. 

They have not complied which is another violation of 15 USC 1681n ( a ) ( 1 ) ( a ) which makes them liable in the sum of up to {$1000.00} for each damage you are causing in my life pertaining to my consumer report Any person or company gaining or gathering information from a consumer pertains their consumer report is doing fraudulent business and can get prison time and anyone involve with another company other than the consumer Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.
Product: Debt collection

I paid my rent to XXXX XXXX XXXX  each month when I lived there. I moved out and paid them {$4200.00} in move out fees to settle the debt. Now they are saying I owe more. I settled the debt
Product: Debt collection

I am writing to request the removal of a collection account from my credit report. I have not engaged in any transactions with this collection agency, nor have I authorized any collections to be made on my behalf. It is imperative that this account be removed promptly, as its presence on my credit report is negatively impacting my credit score. I respectfully request that you cease all collection activities associated with this account and promptly remove it from my credit report. Your cooperation in resolving this matter is greatly appreciated. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and just checked my EXPERIAN account and found all these fraudulent account XXXX on my report that I have no knowledge of, XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Also there were several hard inquiries that I have no knowledge of which includes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I received multiple AMEX gift cards as a XXXX gift from work and they are not accepted by any retailers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and found the following inaccurate information and unknown accounts are still reporting under my credit report, I am listing the following inaccurate accounts in order for you to DELETE from my Credit Report. 
DELETE - XXXX XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX  XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX  XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX per Section 533 ( c ) ( codified at 50 USC 3953 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I had previously disputed XXXX XXXX XXXX, the credit report agencies wouldn't allow me to do another dispute. I called XXXX XXXX and inquired why wasn't my payments been report to the credit agencies since XX/XX/2022 and I was advise by the mortgage company they have been reporting to the credit report agencies as last as XX/XX/2022, which my credit report do not show the updates. 

I'm unable to apply for a new mortgage until this information is updated on my credit report to show I have been making timely payments for a least a year. 

Information should be updated timely on the credit report when it reported, if it was negative information it would be report timely.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Mortgage paid in full on XX/XX/2020 and no refund of escrow account in the amount of {$6500.00} has been received nor proof of payment/mailing provided by Lender. Contacted Lender by phone on XX/XX/2020 and XX/XX/2020 and still not proof provided. As of date of this complaint, it has been 27 business days since load paid in full and Lender has failed to meet the 20-day rule per to 12 CPF Section 1024.34.
Product: Vehicle loan or lease

XX/XX/2019 Made online Purchase of Carvana, LLC no hassle free used automobile purchased with interest {$17000.00}. 

The advertisement said car was shipped from XXXX IN. It arrived at my home with Georgia Temp tags on them with Sales taxes as if Im a Georgia resident and I live in Missouri. I was informed by an agent and her supervisor at XXXX formerly XXXX whos an affiliate to Carvana, LLC my account does not exist! The SSN does not match Carvana have refuse to issue me that cancelled contract and original copy of online application. I issued by way of uploading my SSN front and back of my card, Missouri drivers license front and back, plus my financial income documents sent to Carvana, LLC for verification of automobile loan. 

Carvana, LLC was notified on XX/XX/2019, about the error on automobile sales contract and they refuse to cancel but instead REBUILD the contract AS IS! 

I have not been made aware of undisclosed information the vehicle was a XXXX XXXX XXXX, per XXXX manufacturer Recall Records. 

There are security transactions taken place with my personal signature rendered and protected by UCC 1-308 without prejudice. Ive issued my credit for purchase as of XX/XX/2019, to Carvana, LLC who was already PAID IN FULL after close of sale through XXXX  formerly XXXX. 

XXXX formerly XXXX have confirmed I do not have an account with their financial institution. Carvana, LLC Senior underwriter XXXX XXXX. insist I pay the payments as agreed. I have not made the first payment since purchase on XXXX, since NO CONTRACT or an ACCOUNT DO NOT EXIST, per XXXX Agent and Supervisor on XX/XX/2019. 

Carvana, LLC gave written statement they were going to rebuild the original contract dated on XX/XX/2019, with terms and agreement AS IS! 

Carvana, LLC Underwriter XXXX XXXX. refuse to disclose my original Consumer online application so I could verify my SSN since there was an error of another SSN I was not aware of that did not match my financial application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached files I have made countless attempts to have unverified and erroneous accounts deleted off of my XXXX credit report. And XXXX has REFUSED to adhere to the laws and regulations afforded to me under the FCRA. I have submitted several disputes to them regarding these erroneous accounts. They claim the accounts are verified. I asked them how did they verify them, they couldn't tell me. I've made repeated requests for them to send me the original creditor 's documentation ( a signed contract by me giving them consent to furnish my information as per my right by law ) and they've ignored these requests. I have made requests by mail, by phone and through the CFPB. They have not provided me with any documentation or correspondence that came about in their investigations ( required by law ). Furthermore they continue to ignore their obligated duty to do what is fair and equitable to me as a consumer ( required by law ). They are in violation of so many of my consumer rights including receiving information from a 3rd party regarding my consumer information without my consent. I ask that my request be taken seriously, that XXXX either provides me with the original creditor 's documents I have asked for or remove the disputed accounts and public record from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER CXXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2. I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

I disputed this account with the original creditor .It was removed from my credit report because I'm victim of identity theft. I submitted a copy of my FTC report and police report to the three credit bureaus as well.
Product: Credit card or prepaid card

The amount in dispute is {$40.00} in unauthorized charges. These are itemized as immediately follows, XX/XX/2020 - {$7.00} x 2 for tolls XX/XX/2020- {$6.00} x 2 of 3 charges for XXXX XX/XX/2020- {$9.00} forXXXX It appears that Citi May have added charges where they were supposed to have credited for the tolls and for XXXX. 

When Citibank failed to keep their promise that disputes had been resolved, as per their email of XX/XX/2020, and were unreachable by phone, I filed a complaint with the XXXX  on XX/XX/2020. They have not responded. The account is closed and paid in full. Citibank continues to show a balance for the disputed items.
Product: Mortgage

I applied for Covid Relief Forbearance in XXXX, due to a temporary decrease in income and was approved so I did not need to make XXXX, XXXX, & XX/XX/2022 mortgage payments. Before the forbearance was over, I communicated with Prime Lending that I could resume making normal payments beginning XX/XX/XXXX and that I wanted to move the three months of missed payments to the end of the loan. I made a payment of the phone on XX/XX/XXXX because they have disabled the ability for me to make payments online. The payment was listed as unapplied in escrow and not credited as my XXXX mortgage payment. On XX/XX/XXXX they returned the payment to me.They have made me submit many documents and pulled my credit. They have told me that the only option I am allowed is a loan modification as long as their underwriting approves it. Whenever I call they treat me as though I am in default and nearing foreclosure. I was under the impression from reading the CARES Act that I was allowed to automatically move those payments upon request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED SOFT INCREASE THAT I DID NOT RECOGNIZE OR HAVE NO KNOWLEDGE OF I HAVE PUT A FRAUD ALERT ON THERE STATEMENT TO CALL ME TO VERIFY IDENTITY THEY CONTINUE TO DENY MY DISPUTES THEY ASKED FOR INFORMATION ON ALL CREDIT COMPANIES THAT APPLY I SENT THEM ALL THE INFORMATION WITH A STEADY DENYING THESE INCREASE OF MY CREDIT REPORT
Product: Checking or savings account

My account was closed and my money is being held with no timeline for it to be released. I need access to my money or at least to know when I can expect to have my money back. The could not provide any answers or a status update on claims. I just want my money so I dont end up homeless on the street.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already informed you that the listed items from the letter I sent was inaccurate and incorrect. I feel I was betrayed that after your investigation the items are still showing on my report.