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

RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing to you with this formal objection to information published and provided by you to XXXX, XXXX, and Equifax, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/ reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged XXXX of XXXX. Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXX, XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you included in your consumer reports that you prepared concerning e. your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX AV XXXX, CA XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} 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 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

This is in regard to the funds held in the XXXX. XXXX XXXX XXXX account that Frost bank, located at XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX, is currently withholding from the rightfully entitled family members. The bank phone number is XXXX. Since XXXX, XXXX, myself, and all directly involved family members, have attempted to obtain the funds held in the above listed account. Over a period of three years and eleven months, we have been unable to close the account and withdraw the funds. Myself and my sister, have visited, and contacted, the bank numerous times and the issue still remains unresolved. There are also two attorneys involved and they have also been unable to acquire our funds. 

My grandfather opened the Trust Fund account for my aunt decades ago. The account was established for his daughter, who had XXXX, and was unable to care for herself. My grandfather passed away on XX/XX/XXXX and the account was managed by my mother until her passing on XX/XX/XXXX. My aunt, for whom the account was established, passed away on XX/XX/XXXX. 

With the passing of my aunt in XXXX, there are a total of four of her relatives who are entitled to the funds in the XXXX. XXXX XXXX XXXX account that Frost bank has been withholding from us. 

After multiple attempts, we have been unable to receive any action, or resolution, in regard to releasing the funds in the account held by Frost bank in XXXX XXXX, Texas. These monies rightfully, and legally, belong to the above family members and after numerous attempts, over a period of three years and eleven months, Frost bank continues to withhold, and refuses to release, the funds held in the XXXX. XXXX XXXX to the rightfully entitled family members. The four of us involved need to know exactly what we need to do to have the funds in the account released to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : 1. 53917611 They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : 1. 3540*** They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Debt collection

I received a debt collection letter in the mail from Wakefield & Associates , LLC, stating that they are collecting debt on behalf of XXXX XXXX California, service date XX/XX/year>. It was a bill for {$390.00} and they threatened me with a negative impact on my XXXX XXXX if not paid in full promptly. However, Ive never received any type or service or medical procedures from XXXX XXXX California, nor have I ever heard of this facility. Upon further investigation on XXXX, I find that many consumers received similar debt collections from Wakefield & Associates , LLC on behalf of XXXX XXXX California for which theyve never received any services from. I am positive that this is fraudulent. Please help investigate this company and its activities to protect consumers from further harassments.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX Account XXXX for 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 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knowing Violation may commence a civil action per 15 U.S.C 1682s ( 2 ) ( A ) I am filing a complaint against you. You are willingly violating Federal Laws by reporting my personal information after I had told them not to. OnXX/XX/XXXX I've filed a complaint about the Laws they violated, and you choose to ignore them and continue to furnish information that is to be excluded. Pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded. Pursuant to 15 U.S.C 1681c ( a ) ( 5 ) Any other adverse item of information is to be excluded from my report which is another FEDERAL violation they have committed. These are knowing violations that will commence a civil action pursuant to 15 U.S.C 1681s ( 2 ) ( A ). I demand as a Consumer/Natural person for you to remove XXXX XXXX XXXX from my credit report! Don't tell me you will contact the data furnisher, the fact is you are in violation of the Federal Law stated above. What they say is irrelevant. Your response will be used as an exhibit if this issue doesn't get resolved. We are tired of suffering because of your unwillingness to comply and don't tell me I'm not the one filing the complaint I am tired of your excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXX immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
Product: Credit reporting or other personal consumer reports

Early in XXXX of this year ( XXXX  ) my wife was involved in a collision that resulted in our XXXX XXXX XXXX being " totalled '' by an adjuster prior to the end of that month. Hyundai was notified of this prior to the end of that month and the vehicle was released to them. The following month ( XX/XX/year> ) HMF ( Hyundai ) contacted me to say we owed our XXXX payment. After discussing the issue and that our payment for XXXX was made, they agreed that the remaining balance should be covered by their Gap insurance policy which we had purchased thru HMF when purchasing the vehicle.

Approximately 2 months later we began receiving letters from Hyundai that we owed a balance of XXXX dollars. I called and after lengthy phone conversation they agreed that since the Gap insurance was through their own company they would resolve this and I should consider the matter resolved. 
About XXXX we received more mail stating that we owed a final monthly payment on the vehicle and the remaining balance of XXXX on the vehicle. After another lengthy phone conversation with their collections and also their finance departments. They stated that they would reach out again to their Gap insurance department to resolve the unpaid balance on the vehicle. In XXXX I was notified by XXXX that Hyundai was reporting delinquent/ missed payments that had affected my credit score.

I called Hyundai again and they stated that they had not received correspondence from the Gap insurance department since XX/XX/XXXX and that I should reach out to them to get the payment resolved. I reminded the Hyundai representative that this Gap insurance was through their own company. After being put on a lengthy hold, the rep said they had contacted the Gap insurance and I should consider the matter resolved.

Today I received a letter from a collection agency attempting to collect payment for Hyundai for the remaining XXXX balance on the XXXX. 
After 8 months of phone calls and fighting with Hyundai I wish to lodge a complaint, I'm at a loss as to how to resolve this problem. Communication with this company seems meaningless and a waste of time.
Product: Credit reporting

This is the second compliant I have filed against Equifax for the same reason and the same credit card company. I am fed up with Equifax, if the cant report the correct information maybe the should be in a different business. This makes me think they sabotage consumers credit intentionally. I have a credit card with XXXX that is not over the limit and the payments are up to date. The Equifax is reporting that my credit card is over the limit and 120 days past due, this is a flat out lie. Again, I ask why are n't the other credit reporting agencies reporting this nonsense, no one is reporting this but Equifax. My next step is to file a lawsuit against Equifax for intentionally reporting incorrect information. After they reported this incorrect information this caused my credit score to drop XXXX-XXXX points. I have documentation showing this credit card IS NOT behind and its not 120 days past due! I am sick of incorrect information being reported by this bureau. I want my credit report corrected today!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the account that I have marked inaccurate. 

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

I filed a complaint against emoney complaint ID XXXX. They were not reporting payment activity or payoffs. They fixed the payoff but reported the loan closed that I am paying on now. This is incorrect information. This has a negative impact on my credit. I am positive they did this on purpose due to the fact that I had to report them to report accurately. Completely unprofessional. The loan ID XXXX is open and I am paying on time. It needs to be reported that way.
Product: Debt collection

Sunrise Credit Services on behalf XXXX XXXX XXXX XXXX XXXX has attempted without notice, verification, or due process to collect on a fraudulent account created by XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX defrauded me by creating an order, not delivering the products of the order, and not providing mobile service on the undelivered products of the order, then billing me for an order and service that was never provided, and finally sending the account into collections. Sunrise Credit Systems did not notify me in writing of the debt and did not provide me verification of the debt.
Product: Bank account or service

XXXX/XXXX/2016 XXXX XXXX XXXX VA XXXX GMAC ON MY XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : GMAC BANK To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

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

I have been financially impacted by the Covid 19. There is a late payment on my account. You are letting people skip payments, why was the reported to the credit bureau? There was a shelter in place order in my state. This does not seem fair.
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. 

XXXX XXXX  : # XXXX, XXXX XXXXVT 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 or other personal consumer reports

on XX/XX/year> i provided proof of identity proof of address and social security number to experian. Experian sent back credit report updating my name and current address. but not removing any other addresses and names on my report as i requested.
Product: Prepaid card

I purchased two Reloadable XXXX XXXX XXXX at {$500.00} each from XXXX. The cards are advertised as no registration required. When I tried to use them on XXXX my payments were declined. I informed Netspend  and the emailed me back with instructions to send them a copy of my ID, Social Security Card, and a current utility bill. I informed Netspend on XX/XX/year> that I am homeless and do not have a utility bill and asked them how they would like to resolve the issue. They did not respond. I followed up with three more requests and Netspend has failed to respond. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian and Equifax wouldn't remove accounts closed. And transunion won't gice me my credit report without verifying my info all though I have before and it was under my fiances name.
Product: Vehicle loan or lease

After making 3 years of good payments at the apartments XXXX I was living in # XXXX, just leaving the Dealership to pursue my event goals, and was upfront about not renewing my lease. After i moved out, cleaned and left the key for inspection, i moved XXXX. I noticed after i got into a new apartment for another couple of years i saw that there was a deragragoty on my credit. someone took my info, or the apartments may have thought is was me and charged me for a couple months remaining? i would have never broken my lease by 1 month..