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

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX ( Original Creditor : XXXX XXXX XXXX AND XXXX  ) XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XXXX Hope you can address this soon, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is giving false information about a account that says by law it SHOULDVE been removed and it still showing on my credit report the investigation was estimated to be completed by XXXX XXXX today is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my Experian consumer report I've noticed fraudulent accounts reporting that doesn't belong to me. These companies purchased and shared my personal information without my consent which is fraud pursuant 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. These accounts are negatively impacting my credit score limiting my ability to have any potential relationships with any lenders or institutions.
Product: Consumer Loan

We purchased a XXXX Toyota Corolla in XXXX of 2015. We did deferred payments for our down payment through the dealership. After having the vehicle for 6 months and making payments on it, we accidentally paid {$160.00} too little on one payment. We spoke with the finance company ( Santandar ) and they set up an arrangement for the {$160.00} payment. Before the payment was drafted, Santandar contacted the dealership and told them that the loan was null and void because of the partial late payment. The dealership contacted us and told us what they said and that we needed to bring the car back. I contacted Santandar and they told me that the loan was null and void because the dealership allowed us to do a deferred down payment. They told me that it was n't a big deal and that the dealership had to buy the car back from them and then resubmit the paperwork and that the loan would be refinanced. They also advised me not to make any payments on the vehicle until the new loan was processed. About 3 weeks later, they had my car repossessed for non-payment. At this time the partial payment was late and the XX/XX/XXXX payment was late because I was told not to make those payments. After 1 month of fighting with Santandar, the dealership was finally able to buy the car back after being assured that we would be refinanced with Santandar. Santander received the check from the dealership and held it for over a week. They finally cashed the check and said that the dealership could pick the car up. The dealership submitted all of the paperwork to Santandar to re-do the loan and now they are refusing to refinance us. They are claiming that we were {$2100.00} behind in payments, but we were not. They are also refusing to give us our down payment or the payments that we made back even though they told us and the dealership that they would do so since the loan was " unwound ''. Now we are out of {$5000.00} and a car and Santandar said that it is our fault because we were not making payments. When I told them that I did what their agent told me to do they told me that they were sorry for the misinformation, but the repossession still stood. At this time, we do n't know what to do or how to move forward with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempts 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are inaccurate please removeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XXXX XXXX XXXX XXXX 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

Equifax and XXXX conducted an investigation and refused to remove fraudulent rental collection from XXXX  XXXX from my report as of XX/XX/year>. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from XXXX  XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for XXXX.
Product: Debt collection

I never had aXXXX phone or ics systems. They keep threatening me to pay. Please delete this from my credit God bless
Product: Credit reporting, credit repair services, or other personal consumer reports

The company never responded in the matter of CFPB XXXX. Neither the creditor or the company reached out to resolve my complaint. According to the Fair Credit Reporting Act, I must receive some type of dispute resolution and I have yet to receive anything and it has been months. The bureaus have asked for additional time and that time has come and gone. My initial dispute was in XX/XX/2022 and its not XXXX XX/XX/2022. I am demining that these items be removed from my credit due to the amount of time that has passed and no results have been provided. I will once again attach the original documents. A wet signature or any other documents used to furnish these items on my credit file have yet to be produced to me. Until further review of theses accounts they need to be removed.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and fraudulent account openings since 2014 no matter what try to do it keeps happening.
Product: Debt collection

I returned the XXXX and everything was in working condition. I starting getting letters in the mail that I owed money for the XXXX. They did n't give a receipt so I had no proof of returning. I had heard from other customers that they were doing the same to them. I think personnel were stealing equipment and the company is unaware and is going after the customer. I refused to pay the amount because I returned the equipment and whatever happened to it after I left is not my responsibilty. I would like this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as allowed under USC Law 1681i. Upon reviewing my credit report, I have identified several items that I believe to be incorrect.
Product: Money transfer, virtual currency, or money service

I just met this new girl, I love her and trust her and told about the issues am having with my banks this days and I can't even get my allowance check due to the bank issues.. and she said she can help me get it in her bank and mail it to me, I trust and believe her and I gave the lawyer her details and they mailed the check from XXXX XXXX XXXXXXXX retirement account to her {$17000.00} ... she deposit it due to her Truist bank account is new they have to release {$5500.00} first and Hold the remaining funds. Suddenly she withdraw ahead of me to withdraw all the money and I asked her to mail me the cash, she said no and she ignored me and block me too..
Product: Debt collection

Ive told them to stop calling me and that this is considered fraud. Ive already reported it, but that did not work at all. I dont know what else to do, but I just wanted to stop already.
Product: Debt collection

On XX/XX/19 this company called me, my sister, and my work. This company claims I owe a debt but have yet to send anything to my address. They told me I could settle the debt for {$1100.00} and sent me a letter via email. He claimed if I asked for a debt verification letter then I wouldnt be able to settle The debt and I would have to pay it in full. Once I received the letter I started to try and get background on this company because the guy acted funny. I could not find any information and wasnt about to pay a company money. I requested in an email certain information to verify their identity. They responded with a very short email not answering my questions but sending me to another number of a company that never answers and the message does not state the companies name. They will not provide proof of the debt either. Today XX/XX/19 they called me again harassing me stating I could not email them at all. Now mind you I have only sent one email. An hour later the business called from a blocked number again with a courier who was coming to my house to serve me papers between XXXX today. This was a misrepresentation and is illegal. The message stated I needed to call them to stop the courier from coming. This company is harassing me and I have asked for certain information and they are sending me to people and companies that dont exist.
Product: Debt collection

Home credit still making me responsible for this debt.. I had made a payment arrangement with them and they took my money.. a week later the vechicle was repossessed without even contacting me they are still reporting bad information on my credit report as if I still owed them that amount ... my ex wife had fraudulent put that auto loan in my name.. and because it was on my credit report I had no other choice but to make payments.. I filed a police report that this bad debt shouldve removed of my credit report ...
Product: Debt collection

On XX/XX/2024, I have sent a letter asking for validation of debt from I.C Systems. Within that timeframe, they have added another collection to my credit report. on XX/XX/2024. I have asked for my wet signature and also any documentation noting that I owe this debt. They are also still reporting my deliquency while in dispute.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX its paid in full XXXX XXXX XXXX both paid in full XXXX Needs too be removed also Ive ask that my inquiries be removed all the ones that are not tied to account be I did give permission to check undates on credit cards are not right
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Closed Date XX/XX/XXXX This inquiry was removed from my credit report and put back on my credit report without my knowledge It reports that it will be on my credit report until XX/XX/XXXX That would be 8 years XXXX XXXX This was disputed and I was relieved of the debt by XXXX XXXX who illegally increased the debt to illegally continue to report the debt that was obtained by identity theft XXXX XXXX XXXXXXXX Unauthorized I do not know of this account No one contacted me to verify this debt Not my mail phone nor electronic communication Im unaware of the nature concerning this debt XXXX XXXX XXXX XXXXXXXX Was paid as agreed and closed XXXX XXXX XXXX Was paid and closed There are addresses and phone numbers That Ive also requested an deletion for The only address that should be listed Is XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Transunion is reporting closed accounts XXXX open These accounts have been closed written or charged off Im have been disputing these various inquiries as I do not owe these debts that have been sold off to collectors no one has contacted me validating any debt because the address associated with the debts are not my addresses I have sent in dispute letters but they were not certified because I received fixed income under {$500.00} a month I cant afford the expenses of sending certified mail So after months of my letters going unanswered I then began to dispute with them online
Product: Checking or savings account

I am a customer of the Ally Bank. 
There were three separate charges made to my checking account. 1st was {$40.00}, the 2nd and 3rd were {$20.00} each. The charges were made on XX/XX/XXXX at the same time. I have reached out to their customer service line and they canceled my debit card and issued me a new one. They also filed a police report for me and had me dispute those transactions on their banking website.
Product: Mortgage

I have had my mortgage with United wholesale mortgage beginning in XX/XX/XXXX. I have always made my payments on time, I have never been late. United wholesale mortgage consistently does not reflect my payments when I make them. They sometimes take weeks or months to reflect my payment in my account that I make automatically every two weeks. Customer service never knows whats going on and they tell me to keep an eye out for my payment to post. I recently made a payment of {$1100.00} on XX/XX/XXXX. It has yet to post to my account and United wholesale mortgage consistently makes this mistake. Please help me as United wholesale mortgage is in capable, or incompetent, regarding registering customers payments on time. They say it takes up to 24 hours to register payments. It often takes Wholesale mortgage weeks or even months to register my payments. Please help me as United wholesale mortgage refuses to correct the errors they make over and over and over again. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use. I have mailed certified letters to ask for removals.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Late in the day on XXXX  I received a text from BMO bank my debit card was being used and was it me. I replied no. Then the bank suspended my debit card and was given a phone number and fraud case number. The bank had 6 {$300.00} transactions to XXXX pending on my account. I called first thing XX/XX/XXXX told the bank it was not me and was told it takes 10 business days to validate my claim. Today XX/XX/ I called to get status and was told my first call never existed. XXXX at BMO said no case was ever started and my claim wasn't there. After 60 mins on the phone with her she said she can no longer hear me and if I had any other questions to just call back. After that 60 minutes on the phone I did call back because I still needed to know when will I receive my money back. Next call I spoke with XXXX and after one hour and 12 mins was told it takes up to 90 days to get my money back. I can't believe it takes up to 90 days to receive my money. I have never heard such a thing and I can't wait 90 days to pay bills. They have XXXX of mine.
Product: Debt collection

I got a notice from my credit union saying that I owed for past rent, and I had a new collections on my record. I tried calling and proving I was taken off the lease in XXXX, but they want me to show a roommate release form I do not have. I do have a copy of the next lease offer from the management company with my named removed. They also sent me the statement they received from the management showing they tried to collect from the people that owed the expense and a letter they sent for collections and my name is not even on it. She says she will not remove it from my credit report unless I prove I was taken off the lease. I have not lived there for 5 years and this is from XXXX of this year. I can prove I was not there, as I went from there to the XXXX XXXX for 27 months and moved across the country when I returned from there. The ledger they sent also shows it was paid in full the month I moved out. The management clearly knew we were gone when they made the new lease offer as we were not on it, but the collections company clearly is scamming me to pay it because they can not get the money from the people that really owe it. 
Collection Agency was 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these addresses belong to me. I have disputed before and I never received any confirmation. Now XXXX and the other two will not let you dispute these addresses that do not belong to me. 

Previous address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX  XXXX, KY XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX  XXXX XXXX, TN XXXX Dispute this
Product: Vehicle loan or lease

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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.