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

I tried to change my actual name and address on my credit report numerous times. Every time I check my report, the same old address and wrong name is still listed. I would like my address to be updated to one address I live at now and the others removed asap. My name is XXXX XXXX and not XXXX XXXX. My first name as XXXX is on my birth certificate and that is what I should go by.
Product: Vehicle loan or lease

My lease vehicle was stolen from a dealership XX/XX/2023, whilst in for a repair and my insurance company paid the lease company Ally Financial, a valuation much higher that what was remaining on the lease. XXXX ( my insurance company ), have paid Ally, {$21000.00}. The lease agreement included, a residual value, {$14000.00} and remaining payments XXXX @ {$220.00}, {$1.00}, XXXX. A total of {$16000.00}. Ally have made an extra profit of circa {$4000.00} because of my mis-fortune and I requested a refund to help with replacing the stolen vehicle. I reasonably expected a large institution to consider my request as we are in a fairly rare circumstance where used car values have increased. 
Following numerous calls and several letter with the financial institution, Total Loss department, Lease Department, and customer services I was assured that I would receive a call from a supervisor in order achieve satisfactory resolution to our dispute. I contend that a large company should not make a significant gain at my loss. I should receive a refund to help with my hardship. Whereas the lease agreement does not afford me this entitlement, I have been hoping that Ally would make a business decision in line with their mission statement re customer focus. Disappointed that they have not taken the opportunity to show any consideration to my request but simply refer to the contract
Product: Checking or savings account

Receiving updates " deposit account '' from Truist. It shows a balance and last for digits of account number. I DO NOT have an account with Truist. I don't know how they got my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy case number XXXX XXXX XXXX Bankruptcy case number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give. 

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX District Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX  report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING. This company has admitted that they found this information on public records and i DID NOT give them permission to submit this information to the credit bureaus. They went digging through public records and allowing Transunion to add this to my credit report.
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : 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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - UNAUTHORIZED INQUIRY 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 of 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 take XXXX credit card and due to not receiving the monthly payments letter and no email notifications I have 60 days late payment negative report on my credit report. This caused issue on my credit file and being a negative remark on my Lenders on my mortgage application XXXX XXXX card type Amount : {$150.00} Late payments : XX/XX/21 and XX/XX/21 Request : To see if this report can be disputed and see if negative marks can be removed from my reports.
Product: Credit reporting

Upon review of my credit information reported on the credit bureaus, i noticed certain inaccuracies and incomplete and wrong information reported on my credit reports i disputed these accounts with experian : XXXX, XXXX, XXXX : XXXX. These accounts reporting are obsolete, unverifiable, several attempt to experian to delete these incomplete informations have proved futile. I have contacted the sources who have not confirm the accuracy of these reportings. I believe it is in the best interest of the consumer to have unverifiable, obsolete, incomplete information removed from my credit report. 
Again, this account from XXXX XXXX : XXXX is also inaccurate, i disputed this information with experian and XXXX at the same time, equifax DELETED THIS ACCOUNT BECAUSE IT WAS INACCURATE AND UNVEREFIABLE, i have attached a copy of the outcome of the dispute from XXXX to serve as a proof. I want these informations be removed immediately since im consulting with a consumer attorney about any legal process involved. Please forward this to experian to help me resolve this issue immediately
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, Experian, XXXX credit reporting agency , 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 XXXX XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Bal. {$4100.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$2700.00}, XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$940.00} XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$930.00}, XXXX & XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$350.00} XXXX XXXX XXXX XXXX, XXXX Account # XXXX Date opened XX/XX/XXXX XXXX {$310.00}XXXX XXXX XXXX XXXXXXXX Account # XXXX Date Opened XX/XX/XXXX Bal. {$270.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$140.00}, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$48.00}, XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$0.00} Inquiries : XXXX XXXX ser.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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I bought a car and was making payments when I lost my job. I fell behind. The car was repossessed and sold. I owed {$13000.00}. The car was sold for {$8900.00}. 
Westlake Financial Services sent this to a collection agency. When I called the collection agency they said it had been taken back by Westlake. 
This is my complaint. When Westlake Financial Services called 2 months ago they told me over the phone if I paid {$3700.00} they would accept that as final payment and remove it from my record. I have called them back today and they are demanding {$6200.00} and if I could pay 85 % of that in cash they 'd accept {$5300.00}. I have the original {$3700.00} and am willing to close out the account, but they have now changed their minds. I have talked to them numerous times and they always change. They will not put their offer into a letter. It 's only an oral agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has been receiving emails and postal mail from capital one credit stating that I'm pre-approved and or pre-qualified for a credit card with no impact to my credit so I applied for a credit card thinking that it wouldn't hurt my credit but that wasn't the case they have put several Hard Inquiries on my credit report after I called and spoke with them about this matter, and they ask me some personal information such as my email, mailing address so I verified the information for the associate at capital one. Before I got off of the phone with capital one credit I XXXX XXXX asked if they would please remove all inquiries from my report, and the associate said yes I am taking care of that right now. I also ask them to stop sending me promotional emails, and postal mail, they didn't do any of the things I asked them to do.
Product: Debt collection

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my account with Toyota Financial CompanXXXX, I realize Toyota Financial has inadvertently miswrote my housing address which as a result caused me to not receive my billing statements. As a result of this address error, I did not receive my statement and was ultimately late on my account due to the creditors negligence. I am requested that this late payment be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA is clears stating that consumers credit report has to be 100 % accurate and complete. 

The following following Tradelines does not have date that is was closed. 

Account listed be are incomplete and inaccurate. 

This is a violation of the FCRA. 

XXXX XXXX XXXX  XXXX Account # XXXX Account # XXXX PA XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX *I DISPUTE OWING ANY and ALL DEBT TO YOUR COMPANY, IF YOU THINK I OWE ANY DEBT TO YOUR COMPANY SEND PROOF IN WRITING ONLY VIA MAIL. I REVOKE ALL RIGTHS WITH YOU COMMUNICATING WITH ME THROUGH CALLS/TEXTS/EMAILS. 
* To Whom It May Concern, I am writing to dispute the validity of the above-referenced account, as it has been reported on my credit report without my knowledge or proper validation. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I demand validation and other clarifications about this debt.

Request for Debt Validation Please provide concrete proof that establishes my liability for this debt. This should include but is not limited to the original contract, detailed breakdown of the amount claimed, the original creditor, and the original date of default. 
Licensing and Bonding Show documented proof that Collection Agency Name is licensed and bonded to collect debts in my jurisdiction.

Ownership and Debt Buying Process Explain your process for buying debts and show me concrete proof, in writing, that you legally own this debt. Provide me with forward flow agreement with you and original creditor. 
Violations Communication in Connection with Debt Collection : I have not received any communication regarding this debt. Provide evidence that supports your claim that my address was undeliverable.

Harassment and Abuse : Reporting an account on my credit report without my knowledge or proof of validation falls under harassment and abuse. 
False and Misleading Representations : You claim to be collecting this debt on behalf of another company. This is both false and misleading as the information is inaccurate. 
15 U.S.C. 1692k Civil Liability I hereby remind you that non-compliance with the FDCPA may result in civil liability under 15 U.S.C. 1692k, including damages.

Account Deletion and Notification to Credit Reporting Agencies If you fail to comply with my requests, I demand immediate deletion of this account from my credit report. Furthermore, I insist that you notify all credit reporting agencies that this account is in dispute and the report is inaccurate.

You have 30 days to comply with this request. Failing to provide the information within this timeframe will result in legal action. 
For the record, I am keeping meticulous notes of all interactions regarding this matter, including copies of all correspondence and details of all telephone communications. 
I expect prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute late payment remarks continuously appearing on my credit report. Please investigate and remove these remarks promptly. 

Upon reviewing my financial records, I discovered that there have been instances of late payments recorded against my account. I want to sincerely apologize for any inconvenience or concern this may have caused. I assure you that this was not intentional, and I take full responsibility for the oversight. 

I understand the importance of maintaining a good payment history, and I am committed to rectifying this situation promptly. To ensure that such occurrences do not happen again in the future, I have taken the necessary steps to implement better payment tracking and reminders.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX  That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to formally dispute the accuracy of the information reported on my credit file regarding debts originally with : XXXX XXXX Account Which has now been sold or transferred to a third-party collection agency. I believe that the reporting of this debt is in violation of 15 U.S. Code 6802 ( Gramm-Leach-Bliley Act ) concerning the privacy and transfer of my nonpublic personal financial information.

Specifically, I am concerned that my personal data may have been transferred to a third-party debt collector without proper safeguards or consent, violating the privacy protections outlined in 15 U.S. Code 6802.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$400.00} / XX/XX/XXXX XXXX XXXX / {$2600.00} / XX/XX/XXXX XXXX XXXX / {$450.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX