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

These inquiries were not authorized by me and I strongly suspect they are fraudulent. I implore you to conduct a thorough investigation and promptly remove them from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed some inaccurate items XXXX XXXX has been furnishing that are also in violation of the law including my right to privacy. As a federally protected consumer, i have the right to privacy per the Privacy Act of 1974. The account listed ( in the dispute letter attached ) is reporting inaccurate late payments to non affiliated third parties and I hereby opt out of XXXX XXXX sharing my non public personal information to non affiliated third parties, such as the Credit Reporting Agencies. This is a major violation of the law and major violation to my rights as a consumer acting in good faith with my commercial dealings. These unlawful practices XXXX XXXX is exercising on me as the consumer are causing hardship onto me and the well being of my family. 

Violations mentioned in the attached letter are pursuant to 15 USC 1681, 15 USC 1666b, and 15 USC 1637 ( b ).

Transactions and experiences are not included on the consumer report but XXXX XXXX is unlawfully reporting transactions and experiences to XXXX, XXXX, and Equifax ( whom are non affiliated third party companies ). 

Regardless of the many violations, I need XXXX  XXXX to honor my right to exercise the opt out nondisclosure option per 12 CFR 1016 and 15 USC 6802, and no longer report these transactions/experiences to the CRAs especially since the account is PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to please ask for some help to get this fraudulent item remove from my credit report it is causing a lot of heath issues i have XXXX XXXX XXXX i have to get alot more medication because of this fraudulent account on my credit report its the next step i will have to get my attorney to help me out about this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. A Police report was filed Report # XXXX see attachment. An FTC ID THEFT AFFIDAVIT IS INCLOSED. 

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX AMOUNT : {$550.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume they no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

This is not my account at all. This is a fraudulent account and belongs to someone else XXXX {$330000.00}
Product: Credit reporting or other personal consumer reports

Could you please take a moment to review and examine the attached documents? Your feedback and insights would be greatly appreciated. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

I purchased a vehicle from US Auto Sales with an extended warranty. I had to take the car to XXXX XXXX for repairs. I was given a claim number from the warranty company. After a diagnostic was performed on the car, the mechanic called me letting me know my warranty was null and void. I called the warranty company and they informed me that US Auto Sales was not paying their contracts and they severed ties with them due to non payment. When I called US Auto Sales no one could give me a clear answer about what was going on. I had to pay {$1800.00} out of pocket due US Auto Sales incompetence. Now they have been bought out without restructuring the loan and I just dont know what to do at this point. I believe Im a victim of fraud.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The company that is claiming that I have a debt collection is attempting to collect money from a charged or written off account that was done so in XXXX. It now in my collections wrongly there. I want XXXX, equifax and whoever else to remove the false account and information.
Product: Credit reporting

XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX 1999 and have not removed it from my credit report. 
Equifax should have removed this from my credit report years ago.
Product: Debt collection

This is my XXXX case against this group - repeated attempts to reach them and the debtor are never successful. I keep getting collection letters about a debt that was paid over a year ago.
Product: Credit card or prepaid card

In XX/XX/2019 the balance on my Barclay 's credit card account was {$0.00} however a bank error resulted in charging a minimum interest payment of {$.00} each month. I became aware of this charge and contacted customer service on XX/XX/XXXX. After spending a long time on the phone the agent confirmed that this interest payment is due to a bank error and that steps would be taken to remove any interest fees from my account, reinstate the account, and inform the credit bureau reporting companies. As of XX/XX/XXXX, there is no evidence of Barclay 's making any of these fixes. This is damaging to my otherwise impeccable credit history and is causing me great anxiety. Please advise on what steps can be taken to have this corrected by Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

Traded truck in XX/XX/2020, but it took dealer 2 months to payoff, got one month removed/fixed but not both
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Around  XXXX  we took a loan out wit h Sterling Bank  in  XXXX  Oregon. To make payments, we had to have a checking account with  Sterling Ba nk. Each month an auto payment was deposited into the checking account. After that, the money was rolled over into the loan to make payment.    Time has passed, Sterling Bank bec ame part of Umpqua Bank. For a few more years, there was no change in the initial process. A while back, I started to note {$3.00} charge for paper statements while I was receiving it electronically as well. I contacted the bank and was not able to resolve that issue.    Today   XXXX   XXXX ,  XXXX , I got into my account via online but was not able to see any information regarding the checking account or the loan. Therefore I contacted Umpqua Bank. The  Umpqua Representative questioned me about identification for security which I gave and understand.  Then the representative began to ask me specifics about the account which was why I was calling. My online bank account did not give me any information besides my personal information. She then required that I find a bank statement to provide the information. While getting the bank statement, I found a letter dated  XXXX   XXXX ,  XXXX , from Umpqua Bank. The letter ( in part ) said we have noticed you have not used your account for over 24 months. This classifies your account as dormant and therefore subject to a monthly service charge of {$5.00}.   At this point, I had my bank statement and asked about the  XXXX  dollar charge. Th e Umpqua  Representative responded that it was a federal law. I explained that it was not dormant because a not all payment went into checking, a transfer occurred to the loan and Umpqua Bank is charging 7.75 % interest on the loan. She explained that if I did not physically do anything with the account, it was therefore dormant. I asked her how this could be in a day when technology allows us to take a picture of a check. There are less and fewer bank consumers doing their banking physically. She continued to deny that the account was active and there are numerous {$3.00} charges as well as who knows how many {$5.00} charges have occurred.   At this point, I am being told by the  Umpqua Representative that my account is dormant while Umpqua Bank is making roughly {$100.00 } plus dollars and charging an additional {$3.00} along with {$5.00} each month. I find it difficult to believe that this is a law and request assistance.
Product: Credit reporting or other personal consumer reports

am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX  XXXX XXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received am response from them, please help me immediately delete these accounts. Here I add the FTC repor hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with Experian credit reporting because I had a debt from XXXX XXXX XXXX that i have paid off in full and have supporting documentation proving from the debt agency that the debt was paid in full as of XX/XX/20. They have failed to remove and no one is getting back to me. I am one person doing right paying off my debt but experian is failing to do their part and report correctly as debts get paid. 
The dispute department fails to respond and report accurately this is a problem especially when people like me pay debt off and it takes for ever for our scores to go up because people fail to do their job correctly. I need this taken care of asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts showing up on my credit reports.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus and never heard a response back. The information on my credit report is inaccurate and affecting me getting housing. I do not know what to do.
Product: Debt collection

US department of Education, was notified on XX/XX/year>, about a loan amount of XXXX, an loan amount of XXXX.I reached to them via postal service wrote a letter to them for not giving me an opportunity to challenge the debt ask for documentation, an to see they used to validate the accuracy of debt.I heard nothing.
Product: Debt collection

This number or different numbers from the same company pro collect keep calling me and asking for a XXXX XXXX which is not me. They keep leaving very aggressively toned almost to the point of yelling voice messages which are quite demanding for immediate call backs. This is not the number for XXXX XXXX. Ive told this company multiple times and its not the right number. Ive personally on the cell phone number for close to 20 years so Im not sure why they would think this is some random persons number. I am a XXXX  and its gotten to the point where I can not answer unknown phone calls despite being on call and it possibly being another XXXX  or another XXXX  about a XXXX  because it is quite nerve-racking to answer one of these calls. Its always inflammatory despite me not being XXXX XXXX.
Product: Mortgage

After closing on a loan modification and re enstating my mortgage I began making payments as agreed with PRMG. They made a mistake and applied my first payment XX/XX/2021 to escrow. I have since been a month behind in their system. I am being negatively credit reported, and charged late fees due to this error on their part. I have called and spent hours on the phone with them a dozen times and have records of it all. They tell me They will correct the problem after transferring me through several departments, and have not done so yet. Ive requested calls back from upper management and have been promised they will call back in 24-48 hours. I never hear back. I dont know what to do I have tried every route with them to fix a simple problem.
Product: Debt collection

These people keep calling me after I have put in numerous requests for them to NOT contact me. I have also contacted the original creditor who does n't have my information on file. They have been unwilling to verify ALL XXXX debts that they have me in collections for. REMOVE from my report and STOP contacting me!!
Product: Credit reporting or other personal consumer reports

I've been going through this for years now. Inaccurate late payments are being reported. I've provided bank statements multiple times showing the payments were made. I've spoken to customer service on a recorded line XXXX of 2022 & was reassured the late payments were inaccurate & would be removed. I've suffered significantly financially because of these late payments being reported in accurately. My payment history was 100 % before this occurred. I've disputed multiple times & their " reinvestigation '' always comes back as updated but nothing in the report changes. My payments are {$370.00}. As you see from bank statements I've paid {$400000.00}.
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 Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : DIV ADJ SERV Account XXXX has violated my rights. Or a list of inquiries : 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: Vehicle loan or lease

I tried twice to get a payment deferment while out on XXXX XXXX after losing my job due to XXXX XXXX  in XX/XX/year>. Both agents I spoke to refused to defer payments after I had already paid nearly {$20000.00} on the loan/car. My car loan balance was around {$15000.00} and the car value was listed at greater than {$20000.00}. I no longer have access to my online account to get these exact values. I have not been successful in getting them to return my car. They said I must pay off the entire loan of the vehicle to get it back. I would have to pay the {$15000.00} to get it returned. The past due amount at the time was 3 payments and only due to the fact they would not defer those payments to the end of the loan while I started my new job waiting to get paid. I lost my home as well due to not having a vehicle to get back and forth to my job. My job required use of a vehicle and the majority of positions in my field require use of my personal vehicle. 
Today, an agent named XXXX called my phone stating she was from Chase. I called the number back and the woman said she didn't know a XXXX and asked for my account number or full social security number to review the account. I told her I no longer had an account and I would not give my social security number out over the phone. I had no way of verifying this was actually Chase but do know Chase does not verify accounts in this manner. The number XXXX called from is XXXX. I also have only had my phone number a very short time and XXXX did not leave a voicemail in my name either. It is unclear if Chase is trying to contact me. If anything, I'm expecting a refund check since my car is valued over what I owe on it.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I have no clue how they got there. My regular check revealed unexpected discrepancies. I tried refreshing my browser, hoping it was a glitch, but the errors remained. I request that the documents I've submitted be carefully reviewed to ensure this problem is resolved permanently.