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

I am writing to formally request the immediate blocking and deletion of certain accounts on my credit report that were opened fraudulently as a result of a data breach, making me a victim of identity theft. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized items be permanently removed from my credit file. 
Accounts to Be Blocked and Deleted : 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX & CO XXXX Balance XXXX XXXX {$940.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}
Product: Credit reporting or other personal consumer reports

I am writing to address an egregious inaccuracy I discovered while reviewing my consumer report. Upon inspection, I was astonished to find that the following company ( XXXX ) is/are reporting a late payment ( XXXX ) : 1.Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I demand the immediate removal of these erroneous late payment ( XXXX ) from my report. This demand is grounded in established consumer protection laws that have been unequivocally violated. Below, I reference specific statutes that substantiate my position : 15 U.S.C. 1681a Definitions ; Rules of Construction Section 2, Exclusions, Subsection ( A ) ( i ) : Reports that contain information solely as to transactions or experiences between the consumer and the entity providing the report are not to be considered consumer reports under this statute.

15 U.S.C. 6802 Obligations Concerning the Disclosure of Personal Information ( b ) Opt-Out Requirements : ( A ) Financial institutions must provide clear and conspicuous notice to consumers before disclosing personal information to third parties.

( B ) Consumers must be given the opportunity to opt out of such disclosures.

( C ) The institution must explain how consumers can exercise their opt-out rights.

15 U.S.C. 1681b Permissible Purposes of Consumer Reports Subsection ( a ) ( 2 ) states that a consumer reporting agency may only furnish a report in accordance with the consumers written instructions. Reporting a late payment as a charge-off is classified as a transaction and does not meet the permissible criteria for inclusion on my consumer report.

15 U.S.C. 1681n Civil Liability for Willful Noncompliance Subsection ( a ) establishes that any person or entity failing to comply with the requirements of this subchapter is liable for actual damages or statutory damages ranging from {$XXXX} to {$XXXX} per infraction. 
It is my right under federal law to hold parties accountable for the willful or negligent violation of these protections. Therefore, I assert my right to seek damages in the amount of {$XXXX} per violation if this matter is not remedied promptly. 
Please understand that simply stating the item has been " verified '' is not an acceptable response. The only valid resolution is the immediate removal of the disputed charge-off ( s ) from my consumer report if the legal basis for its inclusion can not be substantiated.

I expect a prompt response and an updated copy of my consumer report reflecting the removal of the incorrect information. Failure to comply with my request will leave me no choice but to pursue all available legal remedies to protect my rights. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint regarding a dispute I submitted to Equifax regarding an inaccurate, erroneous  Tax Lien reporting illegally under my name on my credit report. I checked the Equifax website Check S tatus of dispute section and it states that I submitted my dispute on  X/XX/2017   , and it states that completion date scheduled was  X/XX/2017   .   However, it states that the dispute is still " PENDING '' after more than 97 days as of today    XXXX      XX/2017 .    Equifax has illegally surpassed the 30 to 45 days allowed to investigate a dispute under FCRA 611.     This Tax lien is erroneous and inaccurate and should be deleted immediately.      1   ) T ax Lien - #  XXXX
Product: Credit card or prepaid card

I have been a with XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Debt collection

XXXX XXXX XXXX, sent me XXXX statements of debts owed dated XX/XX/year>. One loan amount {$44.00}, XXXX and the other {$38000.00}. CURRENT CREDITOR LISTED : XXXX XXXX XXXX and XXXX. CREDITOR : XXXX XXXX XXXX on both statements SIMMS ASOCIATES sent these loans to XXXX XXXX XXXX  and the Company to which I made payment and a settlement of {$35000.00}. 

These Loans were not mine Additionally, their Original and Current creditor is incorrect and the bank listed DO NOT PARTICIPATE IN STUDENT LOAN NOR SERVICE THE STATE I LIVE IN
Product: Vehicle loan or lease

I purchased a XXXX  XXXX for {$13000.00} put {$4000.00} down in a car with trade-in value of {$2000.00} completing the total of {$6000.00} under the CFPB down payments are legal does violating my rights as a consumer through capital one financing I did not receive my {$13000.00} cash in hand or deposit into my bank account for this transaction they refuse to give me any information my down payment back or my title. they also did not give full disclosure for the sum of all charges which shouldve been included. Ive sent a cease-and-desist letter I also revoke my signature from the contract and ask for validation of debt also sent an affidavit of truth. Still no response to rectify the situation
Product: Credit reporting or other personal consumer reports

My Hard Inquiries are not correct. I have never requested credit from XXXX XXXX XXXX XXXX ( after my account was already opened )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Regarding two accounts on my credit bureau reports from one reporting entity : The entity reporting is Portfolio Recovery Associates, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 

Account # 1 involves a closed consumer credit card account. Portfolio Recovery Associates is reporting my current balance as {$1800.00}. This account was settled on XX/XX/XXXX for {$1000.00}. Since then I have been making regular monthly payments. My current balance is {$280.00}, with another payment of {$95.00} due on XX/XX/XXXX. 

Account # 2 is also a closed consumer credit card account. Portfolio Recovery Associates is reporting my current balance as {$1500.00}. This account was also settled on XX/XX/XXXX for {$870.00}. Since then I have also been making regular monthly payments to Portfolio Recovery Associates on that account. My remaining balance is {$740.00}, with another payment due to that account on XX/XX/XXXX. 

I have contacted Portfolio Recovery Associates three times in the past year. Each time I was told that there was nothing " inappropriate '' about the company 's reporting. During our last conversation this past XXXX, I pointed out that my debts were " purchased '' in XX/XX/XXXX ; and reminded the representative of the settlements reached in XX/XX/XXXX. But when I asked why the company started erroneously reporting what I owed more than three months after those settlement agreements, I was rudely informed that if I " had a problem with the company 's reporting '' that I " could always hire legal counsel ''. With all due respect, I found that offensive. 

Since then I wrote to all three national credit bureaus with a dispute. Each one replied that my dispute " Meets FCRA Requirements '' ; after which my credit scores rose dramatically. Within days, however, my scores dropped back to their previous levels. Each of the three credit bureaus changed my status from " Meets FCRA Requirements '' to " Dispute Resolved, Consumer Disagrees '' ; even though, however, there was no follow-up between me and any of the three credit bureaus.

As a frontline healthcare worker, I had my full-time status changed last XXXX to " per diem ''. In XXXX of last year, my employment status was elevated to " part time ''. Despite my changes of income status, however, my monthly payments to both of the above accounts has consistently remained on time. Account # 1 will be paid in full as agreed on XX/XX/XXXX. Account # 2 will be paid in full by the end of this year as agreed. I therefore feel inappropriately targeted for debts that I am settling as agreed. 

Thank you in advance for your understanding. I await your determination and reply.
Product: Vehicle loan or lease

So i was purchased a USED XXXX XXXX XXXX XXXX Back on XXXX XXXX. 
The sales know i am in a rush and need finacing.They put some unnotice extra charge on it. 
The car mark as XXXX USD but they make the whole loan end up like XXXX and financed amount become XXXX even with my down payment for XXXX the car bought from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX and it has pre delivery fee I AM NOT EVEN NEED THE CAR TO DELIVERY I GO TO THEIR STORE TO BUY IT
Product: Credit reporting or other personal consumer reports

I do not have a contract nor did I authorize this company to obtain my information ; my rights to privacy were violated under the FDCPA & FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to respond to Escalation Ticket XXXX. I am unable to log into Experian as Experian seems to have connected my SS # with an email address that is not me. I requested a new user name and password so I can log in, verify credit, freeze/unfreeze credit etc. etc. They were contacted via telephone XX/XX/23, via mail XX/XX/23 & XX/XX/23 and via telephone again on XX/XX/23. I want Experian to contact me and resolve this issue and allow me to provide and use a user name and password linked to my email address. I have provided Experian with everything they have requested. Please note that it is almost impossible to reach an actual person via Experian 's phone numbers which makes this process even more frustrating and difficult.
Product: Mortgage

We made an {$11000.00} payment towards principal to reduce the loan balance to {$380000.00} which is 75 % of the assessed value of {$510000.00}. SLS keeps moving the needle. Originally they repeatedly told us we just needed to meet 80 % of the assessed value, even though they knew we bought the house less than 5 years ago. Now everything has now been met to remove the PMI. I have attached and enclosed proof of the principal payment that we made today.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, they also violated my right under 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 stated a Consumer Reporting Agency can not furnish a account without my written Instructions.

Also the Credit Bureaus took more than 30 days to complete my Investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see documentation for dates and times. 

I reached out to PDM to inform them that I was receiving a federal grant from XXXX through XXXX to prevent homelessness, and that I was looking to have this account paid in full and deleted from my credit report. I was then told by my caseworker at XXXX that she would need a W-9 fromXX/XX/XXXXXXXX XXXX I called XXXX XXXX and asked them for it and got an extremely unprofessional response from both women one XX/XX/XXXX XXXX. She stated they cant give it to me and I had to further explain that I was trying to pay this account through a federal grant program. She then goes on to say we dont work with any grant programs. Finally after having her be so nasty with me I was able to get her to tell me the PDM has to be the company who sends the W-9 and takes the payment. I also had her email me the full ledger and balance and told her that I would be contacting PDM for the W-9 to be sent. 

I reached back out to XXXX at PDM ext. XXXX not too long after, only to hear that XXXX XXXX had just called and told him they wanted to settle my account for 50 % which is something I NEVER asked them to do and my every intent was to have this FULL BALANCE paid so that it will be DELETED. XXXX had his manager send the W9 form to my caseworker at XXXX. By the time I was able to speak with my caseworker she had already submitted the application for the grant with the settlement amount so the grant only paid half of the balance. However I do have a paid in full letter stating that I have a XXXX balance, but this was misuse of the government funds and still leaves me in the same situation ( homeless ) because its not been DELETED as it should have been. The calls were ALL being recorded.
Product: Checking or savings account

On XXXX  I received automated emails from a banking company called chime that my new account was open. This account opening is fraudulent and was not done or concented in any way by me. The next day XXXX I received another email from this company saying my virtual debit card is ready and a new debit card is on its way to an old non current address. I called the company 's fraud department to get the account close with only provided my email address that they already have, and the address that they are sending a card to. They would not close the account. I researched scams with this company and these fraudulent account openings happens very frequently with chime and another company called XXXX. I need help getting my fraudulent account closed with chime and any future account attempt blocked permanently with any of my information without me giving any of my personal information to them. Due to the frequency of identity theft scams with this company I would also like to see them held lawfully accountable for thier lack of identity verification process that is leading to the company obtaining fraudulent funds in many accounts. I can forward the automated emails on request and provide phone records showing no contact with the company until after the new debit card email was received.
Product: Vehicle loan or lease

I have requested a copy of my auto loan note/agreement from Santander in excess of 5 times and they will not send it to me. I have also requested my formal auto loan statements for each month since originating my loan in 2013 and they have failed to provide them in violation of FDCPA and have failed to provide debt validation notices. Their accounting of my loan is illegal, they do not apply payments according to amortization on a fixed rate closed end term loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE COLLECTIONS ACCOUNTS FOR XXXX WHICH IS ONLY REPORTING WITH XXXX, WHY WAS IT REMOVED FROM TRANSUNION AND NOT FROM XXXX? I HAVE ATTEMPTED SEVERAL TIMES AT DISPUTING/REMOVING THIS NEGATIVE ACCOUNT AND NOTHING HAS BEEN DONE ABOUT IT. I NEED TO KNOW THE REASON/S AS TO WHY THESE ACC9OUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. I HAVE GOALS I WANT/NEED TO ACHIEVE. THE NEGATIVE ACCOUNTS ARE IMPAIRING EVERYTHING FOR ME.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX XXXX Date of Inquiry XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XX/XX/2022
Product: Credit reporting or other personal consumer reports

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my credit report on XXXX XXXX, XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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

CreditKrama, Please vefied proof of application of 101 unknown hand inquires reported and 6 unknown addition pull of the township of these unknown inquires reported by credit karma, I gave no written consent and this is invasion of pricvy. This is Fraud use of my credit card which I do not benefit adverse action 12 cfr 1002.7, 15 USC 1691 and 12 cfr 1002.1 12 cfr 1002.2. 15 USC 168 12 cfr 1002 cfr 1002.16
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX  XXXX Balance - Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2009 XXXX XXXX reported a 60 day late payment on my credit report. At that time I did not know I could file a complaint with this bureau. 
Their report was erroneous and I wrote them many letters to say it was incorrect. They had given me a 60 day forbearance on my account because my house had burned and my husband XXXX XXXX XXXX XXXX. 
I continued to write letters for months on end asking them to remove the 60 day late notice from my account because I had documentation of the forbearance. They refused to speak with me and would only return a letter tell me that the 60 day late report to the credit bureau was correct. 
I am writing this to you so that you might check and see how many other customers they have done this to. They are a crooked, disreputable company and should have their doors closed to any further business. T The 60 day late payment no longer shows on my report but I wanted you to know this is another of their bad tactics of which they have many.