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

Principals rights were violated by XXXX XXXX XXXX in conjunction with Equifax, XXXX, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. Information was previously removed and This erroneous tortuous act took effect and replaced on consumer report on XX/XX/2023 for amount {$720.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents which show CACi in violation.
Product: Credit reporting or other personal consumer reports

Currently have my credit in process of getting fixed. Came to notice that my personal information has been exposed in the data breach many times including name, address, account numbers ect. I have spoken to the credit unions and my information continues to be exposed illegally.
Product: Vehicle loan or lease

Proof of payment history was provided, Hyundai is stating i had a late payment when clearly a XXXX payment was submitted. Yes, I had a family death and even being out of country a Payment was submitted. The bank I processed the payment did pay XXXX $ and clearly hyundai is showing a payment. somehow they fail to be transparent, stating they must show accuracy. How is that being accurate? Looking at my history never been an issue? Now XXXX was a problem. Be consistent and Transparent as a customer I expect a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.
Product: Debt collection

My husband and I contacted Transworld Systems ( TWS ) today after seeing 3 collection accounts on my credit report. The first represenative was very helpful and explained that we had 14 accounts actually and 11 for some reason were not reported. When I asked the reason 1 account would be reported while another is not her could not answer and actually suggested I contact my own credit specialist ( as if they would know the reporting policy of TWS. ) I then agreed to pay all 3 accounts in full today in exchange for these 3 being removed from my credit file as the other 11 they claim to have are. I additionally agreed to make a payment arrangment on the other 11 accounts. Unfortunately the represnative I believe XXXX was his name couldnt accomodate the request so he transferred me to a Manager named XXXX. At this point my husband was handling the phone call and when the manager asked if my husband was me I was out of the room so he said yes. XXXX became irritated and question my husband as he clearly sounded like a male, I at this point re-entered the room and got on the line indentified myself and explained to XXXX that I needed to get back to my home office and my husband would handle the payment. He called my husband a liar and refused to speak with either of us at this point, repeatedly calling my husband a liar and then he hung up the line.
Product: Debt collection

A few weeks ago I received a call from someone claiming to be from Valor Intelligence Processing, LLC.. 
Without providing any context for the call, they asked if I had an XXXX account associated with my address, which they provided. 
I declined to confirm that they had my address correct unless they could give me more information about the purpose of their call. 
They refused to say and I eventually hung up. 

Today, I received a letter from Valor Intelligence Processing saying they are trying to collect a debt on behalf of XXXX for the amount of {$870.00}. 
They provided an account # that is not mine and doesn't even appear to follow the format XXXX uses. 

I have no outstanding debts with XXXX but am concerned about engaging with the collections agency as it appears to be a scam. 
Please advise.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems obtained my personal information without my consent. I have no knowledge of the company/person. I do not know who this person/company is. I have never did business with this person/company, nor did I ever agree to do business with this person/company. There is no signed contract, and I am not responsible for any alleged debt with this person/company. I did not agree to any type of communication with this person/company.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian and XXXX ) credit report. My latest credit report shows XXXX credit inquiries that I did not authorize. I have called amd sent numerous letters and disputes to the creditors no response and the bureaus are not responding. I am a victim of domestic XXXX and have explained numerous times my situation to the XXXX major credit bureaus. I have locked my credit reports and somehow still have these inquiries. Please help thank you.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2023 and noticed some things that are inaccurate and incomplete. I sent a letter to TransUnion on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. THEY ARE BREAKING FEDERAL LAW!!! 
ACCORDING TO : 15 usc 1681 e ( b ) Accuracy of report 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. 15 usc 1681 I ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 15 usc 1681 s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. THIS IS UNFAIR AND ILLEGAL! If theyre doing this to me imagine who else theyre doing this to. They must be blind because everything is inconsistent. Can you fix this ASAP?
Product: Debt collection

This company is unknown to me. I dont have a personal, professional or financial relationship or responsibilities with them. I have never signed any documents agreeing to a financial account with them. The derogatory remarks that are being left on my credit reports are degrading and unfair. If this company has any information about me, it is unverifiable and in non valid. I want this detrimental information removed from my credit information from each of the major credit bureaus as soon possible.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and I noticed that I've been a victim of identity theft and one inquiry I have no knowledge of. 
this is the inquiry : XXXX XXXX XXXX XXXX  - XX/XX/year>
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. 

Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : 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

I, XXXX XXXX, the affiant, submit this affidavit with clean hands as the living woman to address unauthorized actions by this credit reporting agency, known as XXXX, XXXX, XXXX and other third party companies. 

This affidavit addresses serious issues, including character defamation and identity theft, as defined in 16 CFR 603, which prohibits the use of another person 's identification without authority. 


In relation to the permissible purposes of consumer reports under FCRA 604 ( a ) ( 15 USC 1681b ), it is asserted that there was no written consent from me, the consumer, for this consumer reporting agency to furnish and house my information without lawful authority. While 15 USC 6802 may suggest exclusions, it also states that the consumer reporting agency is in accordance with the Fair Credit Reporting Act. 

According to 15 USC 1681a ( 2 ), transactions between the consumer and the person making the report are supposed to be excluded from my consumer report. These rules of construction govern the terms, emphasizing that such actions must not appear on my report without proper authorization. 

With this in mind, if you assert that I received goods or services in exchange for any of these unauthorized transactions reported on my consumer report, you must provide a signed and notarized affidavit from a party within your corporation who is authorized to do so and possesses firsthand knowledge of these transactions. 

I demand the following actions to protect my reputation as the consumer : 1. Delete all risk factors immediately to safeguard my reputation.

2. Remove all inquiries permanently from my credit report.

3. Remove any fraud alert once all matters have been resolved.

4. Eliminate any delinquencies immediately.

5. Restore or delete any late payments from my credit history. 

The presence of multiple installment and revolving accounts with delinquent or derogatory statuses, along with insufficient credit history, negatively impacts the consumer 's credibility and perceived financial reliability, potentially limiting their access to loans, credit, or housing, while also representing private matters that should not be publicly disclosed. 

The principle that is it a fault to meddle with what does not belong to or does not concern you underscores the gravity of these violations. My rights have been compromised, and I hereby demand the blocking of associated information pursuant to FCRA 605 ( b ) ( 15 USC 1681c-2 ). My request to block is made in good faith and is not based on any misrepresentation of facts. My nonpublic personal information has been unlawfully disclosed, resulting in defamation and emotional distress, which have hindered my pursuit of happiness. 

Furthermore, I will not accept a wrong without remedy. Should these matters not be resolved promptly, I will pursue civil action under 12 CFR 229.21 ( Civil Liability ) and 15 USC 1681n for each instance of non-compliance. 

I affirm that all statements herein are true and correct, and I have attached a list of accounts opened due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called Experian, XXXX, and XXXX multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. Thank you.
Product: Credit card or prepaid card

I made a purchase in XX/XX/XXXX for a promotional 6th month No interest purchase, which ended in XX/XX/XXXX. I did not completed total payment in XX/XX/XXXX but in XX/XX/XXXX I submitted a payment of {$1000.00} and in XX/XX/XXXX payment of {$300.00} and I call CareCredit customer service to verify my completed payment for my expired promotional purchase in XX/XX/XXXX. In my XX/XX/XXXX bill it does not show the expired promotional balance and in my total balance it shows I still owe that balance purchase from XX/XX/XXXX. On XX/XX/XXXX I called CareCredit Customer service and they said I still owed that balanced but it does not show in my XXXX XXXX  monthly bill. CareCredit is hidden that paid off purchase from my monthly XX/XX/XXXX bill. 
It is fraud to hide bills that I owe, and I paid off the purchase from my debit card and I have my bank account receipts to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time asking for an investigation of a bankruptcy reporting on my credit report. All three credit companies XXXX XXXX, XXXX, and Experian have said that the data furnisher The United States Bankruptcy Court have reported the bankruptcy when they do not report to the credit bureaus. This is an unfair act and they deliberately lied about the re investigation. I feel as though this should be removed from my credit report for false responses and negligence on the bureaus behalf.
Product: Consumer Loan

Took out a loan with Consumer Portfolio Services. They have been a nightmare, at best. If I am one ( 1 ) week late, they have illegally contacted family members, called me at work, manipulated their number in my caller ID to show the name of a family member. All of the above are illegal and immoral. In the year I have had the loan, I have never been behind in the loan, yet they harass me on a daily ( calling multiple times ) basis. My wife is not on the said loan, although after my phone rings ( with manipulated number, which is my brothers name ), they will immediately call her once I do n't answer. My mother is quite ill and for them to illegally manipulate the caller ID should call for a law suit in and of itself.These people need to be stopped in their tracks. They are predatory lenders and need to have a class action law suit filed against them and their practice ( s ). When people are paying their bills, they can not illegally call other family members, illegally manipulate caller ID, or call the borrower on his job. Please help. Thank you.
Product: Credit reporting

This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.I am totally XXXX that I have negative information noted below in my credit profile due to its damaging effects on my good credit standing.XXXX Account XXXX I never received any late notification on this account. XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Disputing a listing with the Original Creditor There is no doubt I am aware, credit reporting laws ensure that bureaus report only accurate credit information. 
No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a XXXX which was highly embarrassing and has negatively impacted my lifestyle. XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] With the proof I 'm attaching to this letter, I 'm sure you 'll agree that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.
Product: Debt collection

I was a victim of identity theft, a car, apartment and some loans were taken out in my name in a state I do not live in. I found out about the accounts through monitoring my credit accounts and i immediately made a police report. The police report was then given to the debt collectors and the original creditors. 

They told me because the property manager saw the tenant, thats proof that I lived there, I tried to explain to them that obviously theyd see someone but just because they saw someone that doesnt mean that the person is me! 

I then showed them my license, a lease agreement from the year the account was open ( told to my by my credit account ) to prove I lived hundreds of miles away and its fraud. Also, the police report proves it
Product: Credit reporting, credit repair services, or other personal consumer reports

Each XXXX for the last XXXX years I have tried to get my Credit Report from Equifax and I always get to the same result. Online Delivery Unavailable is the response I always get and it says that I have to get it by mail. I go through the same procedure and have excellent and easy online results from XXXX and XXXX  but Equifax will not get me my report online. Why is this? I found online that others have had the same result. 
What is going on? What should I do? I don't like sending sensitive information in the mail to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance is intentionally violation the FTC FCRA rules by intentionally reporting balance inaccuracies to the credit bureaus. I have disputed the balances and the status of the account multiple times and Exeter returns with a difference balance that they intentionally know is incorrect in order to impact my credit. The account is reporting in a charge off status, each month they report the account as a charge off, however, the balance is incorrect, the date of initial delinquency is incorrect and the account is managed/sold to XXXX XXXX, who contacts me about the balance. 

Per their website the balance remaining on my account is {$14000.00} as of XX/XX/XXXX. The terms is reporting as 73 months and not 72 months per my Exeter statement. I disputed the balance in XX/XX/XXXX and they returned stating the balance is {$21000.00}. I disputed the balance again in XX/XX/XXXX, on one credit bureau report they stated " Account charged off. {$24000.00} written off. {$21000.00} past due as of XX/XX/XXXX '' to XXXX. The statement of {$24000.00} being written off is a factual inaccuracy and it is the obligation of the creditor to report factual information or delete, update or remove the account. 

Per my Deficiency letter dated XX/XX/XXXX, the vehicle was sold for {$10000.00} with all of their fees the deficiency balance is {$17000.00}. Again, this was dated in XX/XX/XXXX which means all of the reporting after XX/XX/XXXX with the inaccurate balances was based off of inaccurate information from Exeter. An intentional effort to report false information and a clear example of Exeter failing to abide by the FCRA rules. 

Again, I have disputed this account for years, at each attempt at disputing the balance is returned with a different amount which is in violations of the FTC FCRA 623 ( b ) ( 1 ) which states If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Police report was file with XXXX County Police Report # XXXX.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. 
These items are not correct and are causing me financial and emotional distress because of their Inaccurate information. The following items must be updated accordingly XXXX XXXX XXXX  XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

I had taken out a loan online through XXXX XXXX XXXX. I did not know these loans were involved with rent a bank schemes. I am not a tribal member. I am a XXXX citizen and a XXXX  resident. These types of loans are illegal in the state of XXXX  especially due to the amount. Of interest they charge. I am disputing this debt and had made that clear to Transunion. My complaint it that transunion should not allow XXXX  to report to them and allow this on my credit.