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

Months ago, I sent the three 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 or delete the following items : XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I am writing to formally address the ongoing issue regarding my dispute with XXXX XXXX XXXX, which I initially submitted through the Citizens Bank dispute department on XX/XX/XXXX. Despite my persistent efforts, my case remains unresolved, and I am now requesting immediate action to bring this matter to a close. 

From XX/XX/XXXX, to the present, I have repeatedly reported the dangerous condition of the XXXX XXXX that was rented to me and my family. During my use of the vehicle, I experienced several serious issues : The " Maintenance Required '' light illuminated on the dashboard. 
The check engine light turned on. 
Smoke began emitting from the tailpipe. 
The vehicle began shaking while in motion. 
These issues are indicative of significant mechanical malfunctions, and the vehicle posed a clear safety risk. Despite these concerns, I was unable to obtain a satisfactory resolution, even after escalating the matter both with XXXX directly and through the Citizens Bank dispute department. 

On XX/XX/XXXX, I submitted a rebuttal to XXXX, addressing XXXX response to my payment dispute. XXXX has failed to provide an explanation as to why I was required to exchange the XXXX XXXX, and there is no documentation confirming that an exchange took place. I also submitted photographic evidence of the hazardous condition of the vehicle, yet Citizens Bank has failed to acknowledge receipt of my submission, resulting in the denial of my claim on XX/XX/XXXX. To date, I have not received a formal denial letter via mail. 

I was assured that a supervisor would contact me to discuss both my submission and the banks decision ; however, this has not occurred. During my interactions with customer service, a representative explained that there was confusion between my current dispute and a previous one, which contributed to further delays in issuing a decision. Additionally, I was assigned multiple case numbers, causing further confusion and lack of resolution. 

Below is a timeline of the relevant communications I have had throughout this process, none of which have resulted in a satisfactory resolution : XX/XX/XXXX : I emailed XXXX, outlining XXXX standard of care policy and detailing the issues with the vehicle. 
XX/XX/XXXX : I forwarded my complaint and supporting documents to XXXX XXXX XXXX, Vice Chair and Head of Consumer Banking, requesting his intervention. 
XX/XX/XXXX : I filed a complaint with XXXX and sent the XXXX dispute evidence to XXXX at Citizens Bank for further review. 
XX/XX/XXXX : I forwarded my evidence, including photos, to XXXX. 
It is deeply concerning that, after over a year of diligent effort, this issue remains unresolved. I am requesting immediate action to rectify this matter. My dispute has been mishandled from the outset, and I have yet to receive the refund I am entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, XXXX and TransUnion my report publish information should be removed. Inquiries on my XXXX  report by XXXX XXXX on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX these inquiries were not authorized by me. A collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report that need to be removed XXXX - XXXX XXXXXXXX XXXX XXXXXXXX date opened. I sent in a letter for deletion about this account and no response from XXXX. Next my other concern is inaccurate reporting too XXXX, Transunion, and XXXX by XXXX XXXXXXXX XXXX and XXXX XXXXXXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.
Product: Debt collection

send a letter and email and a fax to XXXX XXXX XXXX XXXX for Validation of debt on the XX/XX/XXXX and they still call my house and still reporting on my credit report
Product: Debt collection

I am not liable for this debt of XXXX with AFFIRM with multiply account numbers. I do not have a contract with AFFIRM, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit reporting or other personal consumer reports

My house was sold and closing occurred on XX/XX/. This account continues reflect this mortgage as an open account with XXXX  XXXX XXXX on my credit report dispite several disputes that this account is no longer active.
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Goldman Sachs Apple Card unauthorized illegal charge XX/XX/2022 keep disputing but keeps putting on and reversing a charge back. They were investigated for doing this prior and are doing it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$690.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$10.00} XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX XXXX - - - 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  - - - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$270.00} Original balance XXXX XXXX Monthly payment - Additional info Responsibility Individual Account Terms XXXX Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results 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 identit theft!! Please delete these items as soon as possible! 
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 und 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. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

Subject : Notice of Dispute - Repossession of Vehicle under SCRA and Request for Remedies Dear Hyundai Motors Finance, I hope this letter finds you well. I am writing to dispute the repossession of my vehicle, XXXX XXXX, XXXX, which occurred on XX/XX/XXXX. As the spouse of an active service member, I believe that my rights under the Servicemembers Civil Relief Act ( SCRA ) have been violated in this instance. 

Pursuant to Section 3952 of the SCRA, I have the right to be protected from repossession without a court order if I meet the following criteria : 1. I purchased/leased the aforementioned vehicle prior to entering XXXX XXXX XXXX 
2. I made a deposit or installment payment on the vehicle prior to entering XXXX XXXX service. 

Based on the abovementioned criteria, I am confident that I am entitled to the protections provided by the SCRA, and the repossession of my vehicle without a court order is a direct violation of my rights. 

I kindly request that you take immediate action to rectify this matter by : 1. Ceasing any further attempts to collect the debt associated with the repossession of my vehicle. 
2. Returning my vehicle to me, free of any damages or charges incurred due to the repossession. 
3. Correcting any negative reporting on my credit file regarding this repossession incident. 
4. Refunding any fees or costs associated with the repossession and subsequent legal proceedings. 

I expect a prompt response to this letter, acknowledging your receipt and acceptance of my dispute, within XXXX days from the date of this letter. It is imperative that you provide a formal written response detailing your proposed resolution or any additional information required to proceed with this dispute. 

Failure to comply with the SCRA and address this issue in a timely manner will leave me with no choice but to explore all available legal remedies to enforce my rights, including but not limited to pursuing a lawsuit for violations of the SCRA. 

I have enclosed copies of relevant documentation, including proof of marriage to the XXXX XXXX XXXX the vehicle purchase/lease agreement, and evidence of payments made prior to entering XXXX XXXXXXXX XXXX, to support my claim. Please review these documents carefully before formulating your response. 

Thank you for your immediate attention to this matter. I trust that you will promptly resolve this dispute in accordance with the rules and regulations set forth by the SCRA. I request that all future communications regarding this issue be in writing and sent via certified mail to ensure proper documentation. 

Yours sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Mortgage

On XX/XX/XXXX, we attempted to ascertain a 24 month payment history online to satisfy refinancing our mortgage loan but only one year is provided and you can not print the screen. So we made a document request online to Specialized Loan Servicing ( SLS ) for this information. We then followed up with a phone call. We asked that this document be faxed to us. We never received a document. We made subsequent calls to SLS ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) to advise we never received any document and requesting they re-fax, mail and email. We even provided an alternate fax number to no avail. 

On XX/XX/XXXX, we requested to speak to a supervisor and there was no available to address our concern. In the meantime, another request has been made and our refinancing has been placed on hold unnecessarily due to this delay. This is unacceptable customer service. 

Any assistance would be appreciated.
Product: Credit reporting

Multiple hard credit inquiries from various institutions i.e. XXXX over past two months requesting various forms of credit lines with fraudulent information impacting my credit scores. Contacted CRA 's and placed a 90 day freeze on my reportXXXX and XXXX immediately confirmed freeze ( written ) and removed fraudulent inquiries. Conversations were had with the fraud departments at XXXX XXXX and XXXX Bank and informed that no request was made for any lines of credit. Alerts per those conversations were added via their internal processes. The paramount concern is subsequent to the freeze, another hard inquiry by a company XXXX, also fraudulent, via Equifax is showing. No confirmation has been received from Equifax as with the other XXXX CRA 's on correction to the fraudulent inquiries either. After hours trying to determine the status the only response is " freeze has been placed ''. This may be due to their internal process/turnaround time but my concern is after the freeze another hard inquiry shows?
Product: Credit card

Hard inquiry was ran on XX/XX/XXXXwith out my consent. I never opened up a Capital one card at all
Product: Student loan

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I was a victim of Identity theft. My personal info was stolen during a data breach. I followed the steps from the Federal Trade Commission and filed an identity theft report. After sending my report to XXXX, Transunion and XXXX  only Transunion was the company that ignored my report. That's why I turned to you guys the CFPB. I shouldn't have to take these measures to get things done. I just want to correct my Transunion file by removing those fraudulent inquiries.
Product: Credit card or prepaid card

I kindly request that you update my account and remove the inaccurate late payment. This issue is causing me a great deal of XXXX as I have always made my payments on time. It is affecting my ability to sleep at night. I want to reiterate that I have never missed paying this account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XX/XX/XXXX SS # XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Attn : Customer Relations Department Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account # XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account # XXXX Please remove it from my credit report. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX XXXX Please remove it from my credit report. 

15 XXXX XXXX Account # XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

40. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number # XXXX Please remove it from my credit report. 

15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 




I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Checking or savings account

PNC Bank Account Name : XXXX XXXX XXXX XXXX Routing # : XXXX Account # XXXX This account has been closed by the bank on XX/XX/2022, with a balance {$9900.00}. I have not received the balance yet until today.
Product: Credit reporting or other personal consumer reports

In accoraance WiItn tne Fair Crealr Reporting acr. The List or accounts berow nas viorarea my reaerally prorectea consumer rignts o 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  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: Mortgage

XXXX XXXX, XXXX I received a letter from BBVA Compass informing me that my mortgage had been paid in full, and not to send any more mortgage payments because they would be returned. At this time, I was still in Chapter XXXX Bankruptcy. I called the number on the letter to verify the information. The computer operator confirmed the information in the letter. I have asked BBVA Compass for a mortgage release numerous times ; I have yet to receive my mortgage release.
Product: Checking or savings account

XXXX XXXX PERSONAL CHECKING/SAVINGS ACCOUNT - XXXX I can't close this account and Bank of america are charging this empty account monthly fee 's. I will of course not pay and wish this investigated by grown ups. If any other government agency can help me with all my problems with bank of america I ask the complaint be referred to them. They owe me about {$3500.00} already.