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

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX But bureau reported that I have many addresses like 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. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is using extortion type tactics to get you to purchase their boost plan. In return for corrective, give me accurate information and boosting your credit score and fico score which they artificially keep low. And all definitions of the word that is extortion and that is illegal.
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 rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below Inquiries XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX CARD are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated XXXX parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX CARD of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$3600.00}, XXXX XXXX {$17000.00}, XXXX XXXX {$0.00}, XXXX XXXX  {$260.00}
Product: Credit reporting or other personal consumer reports

FCRA, 15 USC 1602 ( J ) 15 USC 1602 ( k ) 15 USC 1666 ( b ) 15 1602 ( p ) these law were broke and created hardship snd stress and then XXXX was being unreasonable to comply and feuds to verify me and inaccurate spelling of my reported
Product: Vehicle loan or lease

To whom it may concern : In XXXX, XXXX, I leased a XXXX XXXX XXXX from XXXX dealership in XXXX, Montana and financed by US Bank. The vehicle was involved in an accident in XX/XX/XXXX. My insurance company XXXX declared the vehicle totaled and took possession of the vehicle. Since XX/XX/XXXX, XXXX had made numerous attempts for the US Bank to provide them the vehicle Title so that they can settle the claim to no avail. 
In XX/XX/XXXX, 6 months after the accident, I wrote the US Bank a letter stating that I won't be able to make further monthly lease payments of the vehicle I am not using. The Bank didnt acknowledge the receipt of my letter, instead they reported to the credit bureau that I owe them {$5600.00}. My Fico score dropped from XXXX to XXXX. When I called the Bank regarding this latest action, they told me that I MUST continue to pay my monthly lease until the issue is resolved. Hence, I resumed the lease payment to avoid further damage to my credit. 
I have called the US Bank loan department more than 20 times on this issue since XXXX, XXXX and the Bank is still unable to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Accounts : 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: Debt collection

This company called premium assets keeps calling me and demanding that I pay them for a payday loan in 2012 I have not received any mail from them or emails but they call at least 2 times a day if not more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a telemarketer from XXXX XXXX by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with XXXX and probably the other Two bureaus. Can XXXX XXXX telemarketers just lie to us with immunity and without recourse?
Product: Payday loan, title loan, or personal loan

Took a loan out for {$1000.00}. Made six payments of {$260.00}. Called today XXXX to pay the loan off and was told the pay off amount was {$1100.00} because of interest. What interest I'm paying off the principal. I fear they will continue to charge and try to bleed money out of me and others if not stopped.
Product: Mortgage

I had a home equity loan from XXXX. In XXXX I refinanced the XXXXXXXX XXXX which was supposed to include the equity loan. I was not aware this was out there and not being paid because I never received anything until XXXX. At that time, they were threating to foreclose on my home. Needless to say, I contacted Planet Lending and agreed to take payments. I made all payments on time. After XXXX years of payments, they wanted a balloon payment of {$55000.00}. All the payments I did make of XXXX a month only {$50.00} went towards the principle. I do not have that amount of money on hand. So, I asked if I could continue with payments which they refused. I tried to continue making the payments, but they would not allow any payments to the account after XXXX. Now they have reported them delinquent and have ruined my XXXX score. Every time I try to get in touch with the loss mitigation dept. they hang up on me. When I agreed to the original loan pay off had no choice or lose my home. I have attached a copy of the bill for XXXX and a letter received. They are asking for the payments which I attempted to make but they refused payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for XXXX, Transunion, and XXXX. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

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

XX/XX/21 several companies including roadie, XXXX, XXXX, XXXX, ran a background check via checkr an I was denied employment. I contacted each company an explained that checkr does not have my written consent to store my credentials.
Product: Checking or savings account

I sent {$1500.00} from my Citibank checking account to purchase a pet and the company turned out to be fraudulent. I was told that my money was not protected and I should contact law enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't even know where to begin. I've been dealing with XXXX Mortgage since 2021 to try and have them resolve a mistake on their end and its still not resolved. They sold my mortgage off to another mortgage company and never closed my account properly which affected my credit scores dramatically. I already filed a complaint with cfpb once about 6 months ago and XXXX claimed they were going to work on correcting the issue and still has not been resolved. I am not surprised it hasn't been fixed considering the experience I had with them. I have everything documented like my lawyer advised me to and am still waiting for them to fix the incorrect information they reported to the credit bureaus. Please look at complaint number XXXX for more information regarding this issue that I filed before. I will not stop filing complaints until this issue gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting a collections on my credit report. They purchased this debt from XXXX XXXX. 
We have disputed for years. They will not produce any receipts or proof, only a statement ( Last statement produced ). 
They took it to court, which resulted in a judgement and lien. 
It is illegal for Credit Bureaus to report judgements. 
As of XX/XX/2018, credit bureaus do not report judgements, which are civil. 

This is still on my credit reports and needs to be removed immediately. 
Also, Portfolio Recovery calls my place of business at least once a week and continues to send letters for collection. 

I can provide contact information for Portfolio Recovery if needed. 
I can also provide a copy of the judgement, showing proof it is now civil.
Product: Credit card or prepaid card

Spoke with Capitol One on XX/XX/XXXX in regards to the status of an ongoing investigation and complaint submitted on my behalf by CFPB on XX/XX/XXXX. I was informed that they have came to the conclusion that I was responsible despite evidence submitted. They failed to update CFPB in regards to this update as their previous response was that they were still working on the issue on XX/XX/XXXX. If it is still being investigated it should not appear on my credit. If it was closed CFPB or myself should have been notified. I will note for the record that my credit card usage is over 350 % and I have 100 % on time payment history and my credit score was significantly impacted. Over 90pts.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT DISPLAY INACCUARTE PAYMENT HISTORY, AND ARE REFLECTING AS DEROGATORY/DELINQUENT ACCOUNTS. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XX/XX/2017 Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

Will you please verify that the information reported is 100 % accurate and can fully verify it? Otherwise please remove it from my credit.
Product: Debt collection

Portfolio Recovery is attempting to repeatedly collect on a time barred account I had years ago with XXXX My caller ID indicates they called me today at XXXX. from phone number : XXXX after multiple times previously informing them to " stop calling '' my personal residence and to contact me by mail if necessary. I informed them that they are " harassing '' me and invading my privacy at my home and to stop immediately. They refuse to comply.
Product: Checking or savings account

I have opened BBVA checking and savings account. I had XXXX cents as a balance in my checking account. 

BBVA had made it really very difficult for me to close this account. I can not send the XXXX cents via XXXX ( as it charges {$3.00} fees ) or via Bill pay ( Bill pay doesn't allow this less amount ). I can not pull from other banks also as it's such a small amount
Product: Checking or savings account

I was billed three times for a service, XXXX, and submitted to TD Bank a request to have two of the charges removed from my account. In violation of XXXX XXXX rules and the XXXX XXXX XXXX, the bank decided to credit all three charges to the merchant, and not refund my money. In the process some {$580.00} in bank fees were accumulated and my account was closed as overdrawn at {$380.00}. All of this is entirely due to the revocation of credits I am legally due regarding XXXX 's overcharging my account. A month after my account was closed, XXXX cancelled my account and has now retained, in violation of XXXX XXXX rules and the XXXX XXXX XXXX, all three charges for services never performed. XXXX XXXX XXXX is a collection agency hired by TD Bank to get money out of me that is not owed legally.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete these items as soon as possible. and fixing my name XXXX XXXX XXXX XXXX
Product: Checking or savings account

My debit card was fraudulently charged {$1500.00} by XXXX in New York. I complained and was only credited {$540.00} and I was told that they determined there wasn't an error on the transaction ( s ) totaling {$1000.00}. At first they credited me back the whole amount and said if they provide evidence that my charge ( s ) is valid, it will be removed. I don't feel I got a logical explanation as to how this was determined. I do not have an XXXX Account and I live in New Jersey. I don't understand how they feel some of the charges were fraudulent but not all of them. I have been fighting these charges for months. The last letter I received from BOA last month stated " unfortunately, we're unable to approve your recent claim. The charge was authorized by you or made by someone who has permission to use the card or account. '' They have not told me how they came to this decision or shown me any proof that I gave someone permission to use my card. This has caused a financial burden for me. These charges were taken monthly from my debit card for a few months before I realized and never in my life have I ever dealt with XXXX nor do I know anyone that has this service so I did not authorize anyone to use my card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The account listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.