23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My identity was stolen in XX/XX/XXXX. Ever since that date I have been working diligently to remove all fraudulent information from my credit report. However, there are some companies that just refuse to abide by the laws set forth to protect consumers from continual harassment. Citibank is one of those companies that just will not leave me alone. I have sent them my FTC Affidavit, Police Report, and formal Dispute Letter by registered mail. Despite all of my efforts they claim this card that was fraudulently opened in my name is mine. Their proof is that the name and address match. That 's it! I asked them for Application Records, Screen Prints of Internet/Phone Applications, Statements or Invoices, Payment/Charge Slips, Investigator 's Summary, Delivery Addresses, All records of phone numbers used to active or access the account, signatures on applications and accounts, and any other documents or records associated with the account. All I received was a letter from them stating they verified the account is mine with no explanation. I sent another dispute letter. Then they send me a letter stating they sold the debt to XXXX XXXX XXXX XXXX. I sent them a formal dispute letter stating I am a victim of identity theft. I told them they needed to cease collection. I advised that Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an an account if the victim asks for it. I requested the same information as stated above from Citibank. This letter was sent in XX/XX/XXXX. On XX/XX/XXXX, I receive a letter from XXXX XXXX XXXX XXXX stating that " ... we have confirmed the name and address listed on the account, as well as the amount owed. Listed below is a summary of the account. Also, enclosed are documents provided by the original creditor that confirm this account. Upon review of the enclosed documentation from the original creditor, we now deem this account validated. '' The " documents '' they sent was a Citibank statement dated XX/XX/XXXX. That 's it. Nothing else. When I tell them I am a victim of identity theft it means someone used my personal information ( i.e. name, address, social security number, birthdate, etc. ). Simply verifying name and address is ridiculous. They provided none of the information requested to truly verify an account. I want these people off my back, a letter of clearance that this is not my account, and my credit report corrected. I will get a lawyer if need be. I have already sued one creditor for the same reason and won.
Product: Credit reporting or other personal consumer reports

Bridgecrest formerly XXXX who I appreciate for giving me a auto loan is continuing to report my loan incorrectly. 

I understand that I didnt have perfect payment history and struggled towards the end but Bridgecrest billing wasnt 100 % perfect themself with problems with the ACH autopayments that I didnt set up and I wasnt getting alerts or notification that would explain that even though I made payment on time there was another system or platform ( XXXX  ) managing my loan so while I was using Bridgecrest app to monitor my payments the other system ( XXXX XXXX ) was using ACH autopay caused a return payment on these ACH. Brightcreat app showed no autopay or alerts of return payment while XXXX app had it own system processing auto ACH that I didnt realize or wasnt alerted. I got charges a return payment fees even months I paid on time. I asked Bridgecrest to please not report my account in a negative way because the fact is I did pay off the loan early extra fees and all which means that Im not late on payments if the loan was paid early. Bridgecrest has no reason to report anything negative as the account was paid in full. I repeat. The account was paid in full early. 

False information is the documentation of the last payment that shows the account was paid closed followed by 60 days past due. I respect if Bridgrcreat feels the need to report the negative but they need to highlight and document my file accurately and fair. This is causing harm. The slight unnoticed remarks and missing information is what causing this to read as unsettled incomplete or negative. The missing information is 1. Last monthly payment. 2. Paid in full 3. Correct order of events with the last transaction and file payment paid in full. Period Thats it. No remarks after closed. What ever you put before is on Bridgecrest but please be honest with the final payment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX To Whom It May Concern, I am writing to formally dispute XXXX hard inquiries listed on my credit report that were not initiated by me and are, therefore, fraudulent. The inquiries in question are as follows : XXXX. Inquiry by XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I assure you that I did not authorize these inquiries nor do I have any association with either of these institutions. As such, I request that these inquiries be removed from my credit report immediately to prevent any adverse effects on my credit score. 

I have taken all necessary precautions to safeguard my personal information and have not engaged in any transactions or applications with the aforementioned banks during the mentioned time frames. Therefore, it is evident that these inquiries are the result of fraudulent activity. 

I kindly request that TransUnion conduct a thorough investigation into these unauthorized inquiries and provide me with a written confirmation of their removal from my credit report. Additionally, I urge TransUnion to implement heightened security measures to prevent such fraudulent activities from occurring in the future. 

Please find enclosed copies of my identification documents and any other supporting evidence necessary to assist in your investigation. Should you require any further information, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries from my credit report. 

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

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent.

The following account must be blocked and deleted immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$4800.00} Additionally, the following inquiries must be removed : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 or other personal consumer reports

A credit card reporting on my account as late, and open from capital XXXX account # XXXX, For XXXX  experience and XXXX dates XX/XX/year> to XX/XX/year>. I dont have a XXXX XXXX XXXX, this is fraudulent. I filed a complaint with the FTC three weeks ago on the XXXX XXXX. This has been a major hindrance on my life. As theyre in violation Per 15 USC , 1681, accuracy and fairness. ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the reports. This violate 15 USC 1681S 2, 15 US code 1692E, 15 U.S. Code 1666b
Product: Credit reporting or other personal consumer reports

The XXXX financial obviously forces negative information on your credit so they can get paid. They have spoke on phone issues and knew that I paid my car payment on the XXXX day they saw it in the system they even wrote that in the last CFPB response but kept the 30 days late on my credit. They also reported me 60 days late in XXXX  when my mother got XXXX  and I was stuck in XXXX they would not fix it the XXXX # did not work there and they did not believe me. 

THE NEW issue is the dealership at the end of the lease bought my car after the lease expired that was the agreement so I would not have to pay the excess charges. 
I explained this to XXXX financial and they refuse to cooperate but still charge me for over mileage, and a bad tire which should not happen because the dealership bought the car. 
The dealership representative told me the car went to the auction, then I was told by XXXX financial that the car was bought by the dealership to call them. This went on for a year and ruined my credit in charge off status for {$3000.00}. 
This is what the manager said over the phone at XXXX financial There are XXXX types of lease buy outs : a ) XXXX where the dealership buys your car and takes care of all the customers cost. 
b ) The other is the dealership buys the car but DO NOT TAKE CARE OF THE CUSTOMERS COST. 
I apparently had option B, so basically the dealer bought my car, sold it made money and XXXX financial profits off this by still sending me a bill with charges that should have been gone with my sale to the dealership. It was just after XXXX  and used car prices had tripled so I could have kept the car and sell it myself if I knew I would be sent a {$3000.00} bill. 
I finally threatened litigation to the dealership XXXX XXXX XXXX and they finally responded with empathy and gave me a check of {$1000.00} toward the cost and apologized for the miscommunication. 
I told all this to XXXX XXXX and of course they did nothing again! They never try to compromise or offer any resolution or credit to my account. They had me in collections so I was forced to pay {$1800.00}. I should not have paid so much. But it is still on my credit as a charge off and I paid It off. This was a mistake and they know this, I will send the XXXX dealership emails and copy of check they gave me. The item should never been on my credit. My history of the past XXXX leases and my car now, is XXXX LATES PERFECT I WILL ATTACH. IT IS ONLY XXXX FALSELY REPORTING ME. 
I WANT THE LATES TO ALL BE REMOVED FROM MY CREDIT
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and misleading information being reported on my XXXX credit file regarding the above-referenced XXXX XXXX account. 

The account is currently being reported under the Collections section of my credit report. This is showing negative payment history. This is incorrect and misleading. I paid the full balance directly to the original creditor ( XXXX XXXX ), and the account was subsequently closed and marked as paid. 

It is therefore inappropriate and damaging to continue listing this account as a collection. The payment history reflects red indicators ( typically used to denote active collections ) for months after the final payment and closure date, which is both inaccurate and unfair. This has affected my credit for a whole year and fixing this payment history will not be enough. I am asking for deletion of this entire account, due to my credit suffering even after paying in full. 

This reporting misrepresents the accounts status and violates the principles of accurate and fair credit reporting as outlined in the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate reinvestigation and correction of this error. The account should be removed from the Collections section and updated to accurately reflect its true status : Paid and Closed with the original creditor.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Account Name : US DEPT OF EDXXXX I want to emphasize the gravity of this matter and my expectation XXXX XXXX XXXX and XXXX XXXX. XXXX to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that i will sod dumagos, inciuding but got limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U, S.C 1092k./ 1. Defamation of Charactor 2. Negligent Enhancement of Identity Fraud 3, Violation of the Fair Credit Reporting Aci 4. Violation under 15 U, S. Code $ 10810- XXXX XXXX XXXX XXXX  : XXXX XXXX, Violation under 15 US Code 168 in ( b ) - Civil liability for wiltral non comobiance 6. Failing to comply with 15 USC 3692 ( g ) 7, Violation under 15 U.S. Codo 1681b Permissible purposes of consumer soports 1. Under 15 U.S.C. 16811 ( 9 ) Method of venification 2. Violations undor 15 USC 168 ) a ( 4 ) right to privacy 10, Violations under 15 U, S. Code {$1600.00} - Requirements relating to intornation costained in consumer esports I am taking this matter very serioust, and 1 demand that you take amme the necessary information to facilitate this process. I kindly request th sove the frandulent accouet from my credit report. I have provided all provide a timeline for the resolution of this issue. 
Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been getting calls from XXXX. 
They want my address and the last four of my SSN number. They state they are calling from Credit management LLC. They dont want to give out their name. 

I find it quite odd that when I withdrew my retirement annuity from XXXX that The phone calls started. 

I told them to send me a letter and I will check with FTC and XXXX  ... they put me on hold for 10 minutes. I hung up and called the same number back and before I could say hello, they already had my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECALL HAVING THIS ACCOUNT AND I WAS NEVER NOTIFIED OF THIS DEBT, IF I HAD BEEN I WOULD HAVE PAID IT PROMPTLY. I DONT THINK IT SHOULD HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT ME HAVING A CHANCE TO DISPUTE OR RESOLVE THIS MATTER.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I spoke with someone named XXXX who was supposed to fix XXXX I just spoke with someone by the name of XXXX who was very rude so I had to ask for her supervisor manager name Chase who I then reported this wrong error on my credit report. He said it was nothing he could do TransUnion. Inform me that they navigate this credit report of XXXX. This is hurting my credit score by doing this. I understand if they don't want to give me a credit increase. But they have no reason or no right to report my credit score at XXXX if my credit score is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/ and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Equifax such authority. In accordance with

15 USC 1681a ( 4 ), I have the right to privacy by furnishing transactions between I the consumer and the furnisher which is a violation 15 USC 1681a ( 2 ) ( A ) ( i ). Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) - the consumer must be given a chance to direct the information whether they want the information about a transaction to be reported or not. This is referenced to the Gramm Leach Bliley Act. I was not given that opportunity which is a violation of said section. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Equifax and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Pursuant to the Fair Credit Reporting Act 15 USC 1681a ( e ) Investigate consumer report means no factual information should be furnished on my consumer report. Pursuant to 15 USC 1666-1666b and 12 C.F.R. 226.13 remove all late payments. In Accordance with 15 USC 1681 ( a ) ( 4 ), I have the right to privacy and you are invading my right to privacy by furnishing transactions between I the consumer and the company XXXX XXXX ) which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). 
XXXX Account Number : XXXX I demand that these late payments be removed or be civil liable for damages pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) you will be fined no more than 5000 or no more that one year in jail. 
Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of the payment being late, update the payment history to be paid as agreed/never late ( XXXX  ).
Product: Credit card or prepaid card

On XX/XX/XXXX I use a credit for a payment in a XXXX XXXX XXXX XXXX miles. Advertisement as a good condition. guarantee for two years by XXXX XXXX XXXX. 
OnXX/XX/XXXX I returned a car to the dealer that was not even close to the one he guarantee. It was XX/XX/XXXXInstead to XX/XX/XXXX. An speedometer started on XXXX rpm and miles seem to be manipulated. A car had also an extensive water damage all over that it was trying to cover with paint and cleaning. I have to be score by police since a person was threatening at me. Police officer knows dealer in the area scam people before. Also he suggested me to dispute a payment since the dealer refuses a return my money. So I place a dispute with a credit card and I email it all proofs ( pictures and documents ). 

After a few months a credit card give the money to the thief and he also had a car. A car that He was trying to sell few days after I returned. On the same website OFFER UP As a Fair Credit Billing Act, I have the right to dispute for a quality of goods and Services, this person advertised and promote a service that I never had. On the contrary a merchandise was total loss and altered miles. Even if he said a sale is AS IS. He wrote in the contract a guarantee. He also advertised two years whatever it  happens. A credit card suppose work for me and my money. So what Happened now??? I have to pay for a merchandise I don't have and a service that I did not received.
Product: Mortgage

They send your private bank account information over un-encrypted email, exposing you to identity theft and fraud. 

I have asked them to stop, no response.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. XXXX and remove it. 
XXXX XXXX XXXX XXXX : {$4700.00}, XXXX XXXX XXXX XXXX : {$9000.00},XX/XX/XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to violate the FDCPA as well as my Consumer and Civil rights. They are continuing to report a unverifiable, erroneous Public Record on Consumer Report. They have been repeatedly Lying about Verifying this. I have sent them the proof that someone in their company is lying. I need them to FOLLOW THE LAW and remove this Defaming account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/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, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Mortgage

Keller Mortgage ( a subsidiary of XXXX XXXX XXXX ) is counting on their size and political clout to get away with deliberately deceptive advertising. They are also trying to force their real estate agents to steer their clients to the mortgage company by scaring them stating " you will face class-action lawsuits if you don't offer them the Keller Mortgage offer '' ( this is illegal steering ). This scare tactic was part of their recent Vision 2018 presentation where XXXX XXXX, head of XXXX XXXX XXXX is giving a motivational speech to his real estate agents. 

I know that the CFPB is now essentially gutted and will probably ignore my complaint, but I challenge you to do the right thing here. I will NOT be the only one reporting these violations. I realize that the CFPB is now beholden to the big banks and other billionaire buddies of XXXX. XXXX in charge of the CFPB is like the proverbial 'fox guarding the henhouse ', although I agree with Mulvaney that the CFPB should be accountable to Congress and should have it's budget controlled by Congress like other government agencies. 

The ads are recent ( within the last 2 weeks ). I am submitting fall under RESPA, and Fair Lending laws ( the ads demonstrate 'disparate impact ' by requiring loans over 150k, thereby discriminating against lower-income areas and minorities who disproportionately occupy these areas ). They fail to disclose APR, and other key terms as required. Once a real estate agent places such ads, they are acting as an MLO and required to possess and disclose their NMLS number and of course, those are missing.