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

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I find the Consumer Finacial Protection Bureau Complaint Number XXXX response from Ford XXXX rude , suggestive, derogatory and favorable to their affiliate XXXX XXXX XXXX with admitting of participation in illegal activity. If there is something I have done, I think everybody should bring it out in the open. Here is the complaint revised. On XX/XX/2023, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I was never given a form to sign stating who I am applying for a car loan with. I was though given a piece of paper to sign labeled C-3 stating that XXXX XXXX XXXX XXXX is helping the government to fight terrorism and I would need to show my diver license to identify myself. Remember I was only shown document labeled C-3 and I will solemnly swear under oath and with a lie detector to that fact. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan likening. I finally got up and headed home. When I returned home, I seen that there were seven banks on my Experian account that said I applied for credit with them. XXXX XXXX XXXX XXXX was the only place I visited on XXXX. I also see that XXXX XXXX XXXX XXXX a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a credit score so that the car dealer can make a loan offer. So why the other seven bank loan applications that I was not informed of by paper or word of mouth. I know with my experience in going into car dealerships that the car dealership has the consumer sign every piece of paper shown to the consumer to prove that every piece of paper was shown. Can Ford XXXX provide the only legal way of giving permission for this credit application of a signature on that letteral page/paper?
Product: Debt collection

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$2200.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Advantage Finance Group was notified by me in XXXX of XXXX that my auto loan had not been reported to the credit bureau. I talked to several people and the issue was not resolved, I was told and it says on their website that they would report my payments to the credit burea. On XX/XX/XXXX I emailed them concerning the same problem. I got an email right away stating that they had sent an update to the Credit Bureau on XX/XX/XXXX. I waited a few weeks and asked again if the problem had been solved due to the fact that it was not showing on my credit report. They emailed back and said that it would be the end of XXXX beginning of XXXX before it showed anything. Then they stated they could not do anything to help me, so I would have to do to it myself. I made phone calls and was told they had to report it, so I had no choice but to report them. I have been paying on this vehicle since XXXX of XXXX and have nothing to show for it.
Product: Debt collection

I was involved in a car accident on XXXX in a private parking lot where the other driver collided with my truck, under our states statutes he would be deemed at fault as the damage appeared at first to be minor to my truck I was willing to drop the matter, he contacted the police to file a report I gathered contact info from the witnesses that were present at this time. When the officer arrived he stated as it was a private parking lot we were both responsible for our own damages. A year and a half later I went to renew my insurance at which time they notified me I was suspended for this car accident. I reached out to the other drivers insurance company and sent them copies of the amended police report with witness statements. At which time XXXX XXXX refused to change the position of liability, the state XXXX stated that I needed to contact National Service Bureau the debit collector hired by XXXX XXXX. After contacting NSB I explained under our states laws I was not responsible for their damages they were actually responsible for mine Based on witness statements and my statement of what happened. One witness included a diagram of what happened and the other driver hitting my truck that was at a stop. With all of this National Service Bureau has taken action against my Drivers licence with out a Judgement or a valid claim that this money is owed. I can not get my license reinstated without payment to National Service Bureau, It comes down to me being held in a position of extortion to pay an unjustified debit in order to have my rights and my life back when I have no fault in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted to the CFPB a complaint # XXXX because TransUnion LLC was reporting my XXXX account as thirty days ( 30 ) late when I never had a late payment. I submitted all the documents to TransUnion and the CFPB showing that my XXXX account was never late. TransUnion removed the XXXX XXXX XXXX thirty day late payment that was reporting on the XXXX account on XX/XX/XXXX. 
When I received a copy of my TransUnion report on XX/XX/XXXX I realized that the XXXX account was again reporting the XX/XX/XXXX XXXX thirty day late payment that was previously removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint regarding several collection accounts that have appeared on my credit report, which I suspect may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple collection accounts that I have no knowledge of and have never initiated. These suspicious accounts include XXXX XXXX I suspect that my personal information may have been compromised, leading to fraudulent activities on my credit report.
Product: Credit card or prepaid card

On the night between XX/XX/XXXX and XX/XX/2022, a car I had been borrowing from a relative was stolen out of the garage of the house where I had been staying, about a mile from my listed address. In the car was my wallet, with my Bank of America credit card and other cards. Upon discovery of the theft, I immediately called the relevant Bank of America hotline to cancel the card and initiate a claim dispute on two charges totaling {$64.00} and {$5.00} at an XXXX gas station in XXXX, Ohio. 

On XX/XX/2022 I noticed that the charges remained. I called again and was told no dispute had been entered and there was no record of me initiating one, and so attempted to initiate the dispute again. This time, the claim was indeed submitted. 

On XX/XX/2022, by accessing my account online, I happened to notice that my claim was denied. No reason is given in the message center. I received no notification, and no physical mail or email informing me in writing of the denied claim, nor did I receive any information on an appeals process. Bank of America has my email on record, and i regularly receive marketing emails from it. 

Because of my earlier experience with BoA over the phone, I did not feel that there was a point in calling for information. Instead, I visited a Bank of America office on XX/XX/2022, where a representative informed me that the claim was denied because the thieves entered my correct zip code into a gas station card-reader, information that would have been readily available to them given where the car was taken from and documents that were in the car. 

The representative said a letter was sent to my home on XX/XX/XXXX that might have information about how to appeal, but no such letter on my claim had been received as of the morning of XX/XX/XXXX, which is when the 10-day appeal window would close. There is no information listed online regarding how to appeal a denied claim, but I did send a note explaining my desire to initiate an appeal to a customer service email address I happened to find after doing a XXXX search.
Product: Checking or savings account

I had accounts with chime they closed my account on XX/XX/2022 for know reason they did not get in touch with me at all until I got in touch with them I have been email them and all about my account and they still not give me not the right answer.I don't have any money they took all my money
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. HAS VIOLATED MY RIGHTS AND THIS ARE THE COMPANY THAT HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 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 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 AN 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 ITEMS 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

There was an account with XXXX XXXX that I was made aware of when attempting to get pre qualified for a home loan. I was never aware of this account nor did I open this account. I sent each bureaus two letters asking for how they added this information to my credit report and asked them to verify the account. To date all I got bacl was what appeared as a generic letter stating just verified. They did not provide me with the details I requested either. 

Account information is XXXX Account Number XXXX In accordance with the Fair Credit Act XXXX  the Account listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act XXXX  the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

just XX/XX/XXXX i filed a dispute on a item i have no written instructions with any accounts on my credit profile, one in particular was deleted and resinserted the same day causing extreme harm to my credit report. i contacted transunion and the creditor they just ask or payment and do not follow the law. i have massive violations that is keeping me from obtaining housing my family and i hve to leave this XXXX  in 45 days an i can not acquire housing due to massive improper reporting. these items are in well over 10,000 in violations just on 1 account i have found several account in all which are reporting negative should be deleted immediatley. cfpb my rights have been violated, im seeking immediates relief on all my reports. 

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 states : a consumer reporting agency can not furnish a account with out my written instrutions. 
also the credit bureaus took more than 30 days. 
i also was not notified with in 5 days of many disputes on my profile i have several different amounts from account on my profiles which need to be removed and inquiries off of my transunion report as well. these things are more violation as well as improper names on XXXX XXXX should be listed only only address is XXXX XXXX XXXX XXXX XXXX XXXX nothing else. these items on my credit report have severly damaged my life prevent me to acquire housing al the u.s.c codes that have been broken is ridiculous. i have reached out mutiple times on accounts and they just want payment not follow the law. i would like monetary action and or immediate removal of each negative account as follows XXXX has 8 addresses and a XXXX XXXX listed with out my permission and multiple names should only be XXXX XXXX no middle transunion reporting jobs inaccurately. 
my entire account profiles do not match as they should from all three bureaus transunion reporting a balance of XXXX XXXX reporting a balace of XXXX experian reporting balance of XXXX transunion has 11 inquiries that should be removed there is a bankruptcy listed on all three that should be removed. 

i have the following accounts on all three reports that need to be deleted XXXX XXXX # XXXX  on all three reports {$20.00} collection : : : XXXX XXXX XXXX # XXXX on all three reports {$880.00} XXXX XXXX # XXXX is reporting open when its closed and also reported several late pays, remove this account immediately plus amount is incurrate {$660.00} XXXX XXXX # XXXX {$480.00} XX/XX/XXXX XXXX  XXXX # XXXX {$460.00} XX/XX/XXXX XXXX  XXXX  XXXX # XXXX {$3700.00} XX/XX/XXXX XXXX  XXXX  # XXXX {$2600.00} XX/XX/XXXX XXXX XXXX  # XXXX {$940.00} XX/XX/XXXX bankruptcy XXXX please investigate all these items and delete
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX 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

I disputed charges on my account and was given a temporary credit. After finding half the disputes in my favor, they found 3 in favor of this company. I gave requested a re investigation and no one would ever call me or email me so I could give my evidence as a rebuttal. The bank said they found in their favor cause they had my information. Umm thats easy I did business with this company 5 years ago. That company lied and said they spoke with my on XX/XX/XXXX and I authorized charges. I did not.. I have a voice message in my blocked messages from XX/XX/XXXX the company wanting to speak with my about my account. I blocked them because I didnt have an account. They also admitted on a recorded call they never spoke to me. The bank wont allow me to give this info. This company fraudulently sent in falsified items to the bank. I even upload proof and USAA refuses to call me. They had someone with the CEO office call me and he did nothing but talk over me and not allow me to speak. I was told someone from the fraud department would call me within 10 days from XX/XX/XXXX. That never happened. This was not investigated at all. This company called my Moms phone the other day which means they are pulling from my credit report. So thats another way they could have gotten my info. USAA will not let me speak to the fraud department at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB Complaint today to inform you about the wrongdoing of the XXXX credit bureaus. The current status should not be showing late because I paid it on time. The XXXX Credit Reporting Agency lacks proper record keeping. The accounts are open in late and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise, correct these following accounts immediately : XXXX XXXX XXXX Balance {$30000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Dear, SYNBC/CARE CREDIT I hope this letter finds you well. I XXXX XXXX, am writing to request form XXXX -c for the cancellation of debt related to my account, which has been charged-off. Alternatively, if this was reported in error I kindly request its removed from my credit report. 
Your prompt attention to this matter is greatly appreciated. 
Thank you for your assistance Sincerely, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX Date XXXX XXXX amount {$430.00} XXXX XXXX XXXX company, I have submitted police reports for identify theft, and records ID fraud victim alert applications submitted in my name without consent dated XX/XX/year>, I recently reviewed my credit report and noticed this account that was fraudulent. I'm now requesting you to investigate this account and remove from my credit report. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tek Collect XXXX. XXXX XXXX XXXX Oh XXXX Is reporting a {$240.00} account on all 3 credit reports XXXX XXXX XXXX XXXX I have never had an account with this company violation of the FDCPA
Product: Credit reporting

I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), 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 reseller. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX I Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

With Experian - XXXX. XXXX spelled incorrectly. XXXX XXXX XXXX is the spelling of my name. 
XXXX. Incorrect past addresses. XXXX XXXX XXXX, XXXX, SC XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX corner, SC XXXX was never addresses of mine. 
XXXX. Incorrect past phone number XXXX was never my number. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXX XXXX XXXX XXXX is not up to date. 

With XXXX - XXXX. XXXX should not be on my report. 
XXXX. The home that was sold should not have been reported on XX/XX/2022. 
XXXX. XXXX XXXX was not a charge off, and also have duplicate account info I only had XXXX account with them. It was paid through debt consolidation. 
XXXX. There are XXXX reportings of late payments for XXXX XXXX which should have been deleted. The car was totaled and paid off. 
XXXX. XXXX XXXX is a collection agency and should not be reporting delinquencies. 
XXXX. My name is spelled wrong under XXXX name used XXXX XXXX. 
XXXX. XXXX XXXX XXXX is not my current address. 
XXXX. XXXX XXXX XXXX is a collection agency and should not be reporting any delinquencies. 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

With Transunion - XXXX. My current address is not XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 
XXXX. There are XXXX XXXX postings and XXXX state as current. The only XXXX correct is the one that is closed. 
XXXX. The XXXX account should not be on my credit report. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

They do not have my car loan accurately reported between them all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate collection reporting to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. They are attempting to collect {$280.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXX XXXX XXXX XXXX without my consent. According to FCRA, this is against Hipaa law.