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

Back in XX/XX/year> my account was paid off because the company was sold on XX/XX/year> so they close that account. The amount of that account was {$4400.00} however they reopen my case once the new ownership took place on XX/XX/year>, however never gave them any permission to have any of my information however I would like for them to remove the amount of {$7000.00} off my account they are violating law 15usc 1692c.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX  and US Department of Education, yet they are not removing this fraudulent accounts. XXXXXXXX XXXX and US Department of Education have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The following is the fraudulent account : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I purchased a car from drivetime they never told me that the car had recall on it the power steering went out while I was driving on XXXX and I almost died the warranty tried to blame me for the power steering going out. The car is sitting at the shop I am unable to drive it at all the car is not even a year old. I really they cheated me and I believe they owe me money back for this car
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax I would like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.
Product: Credit reporting, credit repair services, 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 XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX, Account Name : DEPT OF EDXXXX : XXXX XXXX, Account Name : DEPT OF EDXXXX : XXXX XXXX, Account Name : DEPT OF EDXXXX : XXXX XXXX, Account Name : DEPT OF EDXXXX : XXXX XXXX, Account Name : DEPT OF EDXXXX : XXXX XXXX, Account Name : XXXX  : XXXX XXXX, Account Name : XXXX  : XXXX XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX, Account Name : XXXX  XXXX : XXXX XXXX XXXX Account Name : XXXX - XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX XXXX, Account Name : DEPT OF EDUCATIONXXXX : Account # XXXX, Account Name : DEPT OF EDUCATIONXXXX : Account # XXXX, Account Name : DEPT OF EDUCATIONXXXX : Account # XXXX, Account Name : DEPT OF EDUCATIONXXXX : Account # XXXX, Account Name : DEPT OF EDUCATIONXXXX : Account # : XXXX, Account Name : XXXX XXXX XXXXXXXX : Account # : XXXX, Account Name : XXXX : Account # : XXXX, Account Name : XXXX : Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX  : Account # : XXXX, Account Name : XXXX : Account # XXXX XXXX, Account Name : XXXX XXXX XXXX : Account # : XXXX, Account Name : XXXX XXXX XXXX : Account # : XXXX, Account Name : XXXX XXXX XXXX XXXX : Account # : XXXX, Account Name : XXXX XXXX XXXX XXXX : Account # : XXXX, Account Name : XXXX XXXX XXXX  : Account # : XXXX, Account Name : XXXX XXXX XXXX XXXX Account # : XXXX, Account Name : DEPTEDXXXX XXXX Account XXXX XXXX XXXX, Account Name : DEPTEDXXXX : Account # : XXXX, Account Name : DEPTEDXXXX : Account # : XXXX, Account Name : DEPTEDXXXX : Account # : XXXX, Account Name : DEPTEDXXXX : Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX  XXXX : Account # : XXXX, Account Name : XXXX : Account # : XXXX, Account Name : XXXX : Account # : XXXX, Account Name : XXXX : Account # XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX : Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX : Account # : XXXX, Account Name : XXXX XXXX XXXX : Account # : XXXX, Account Name : XXXX XXXX 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 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

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I open up four cds account with US bank for over $ 30k over ten years.i didnt close my account or withdrawn the balance.i just left my funds in the bank and didnt made too much contact thinking my funds is safe.i just discover the bank have no record of my account and they didnt sent my funds to unclaimed property.i currently still have a saving account with them and on my profile they have no trace my account even exists, my last 1099 I received was in XX/XX/2010and I moved XX/XX/2010, the bank is saying maybe I closed my account and its my fault because I should have been checking my account and they dont have to anything since my account is over 7 years old
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX Services on my credit report as identity theft by mail, I sent all documentation as required ( Identity Theft Affidavit & Police Report ) more than 30 days ago, and they have not started the removal process or investigation..
Product: Checking or savings account

Thank you Chime for helping out, I reached out because there was unauthorized transactions on my account and filed a claim for one of them. 

The agent didnt add the rest so I had to go back and start a 2nd claim to rectify the remaining ones. 

Original claim XXXX During the investigation, Chime found out I was not at fault for the fraudulent transactions and was refunded because they saw the transactions were not coming from me. 

The remaining transactions need support as well, its from the same merchant and have been waiting for help. 

The first one from XX/XX/XXXX, Case # XXXX was approved because Chime saw they were fraudulent. 

I need help with the remaining transactions dated below please : XX/XX/XXXX - {$350.00} XXXX XXXX - {$490.00} XXXX XXXX - {$140.00} XXXX XXXX - {$450.00} XX/XX/XXXX - {$420.00} My new claim number is XXXX I need help approving these for refund please and thank you I have a XXXX Police Report for these, report number is XXXX
Product: Vehicle loan or lease

No dates needed... only you need to review these sites for blatant lies affecting peoples credit scores. The company XXXX is a " broker '' for auto loans, and states everywhere within its site that they take only soft inquires and " no credit score impacted ''. Please visit mytresl.com to review. Terms and conditions link at bottom of page is very vague, and only states they " pull credit '', but within their site ... .and every major review company 's site, they exclaim there are no hard inquiries to credit report until someone actually applies with one of the lenders you accept. The term " soft inquiry '' is used throughout. This is obviously being pushed to every site possible by the company. The other is RateGenius. I applied through XXXX expecting soft pulls on credit, per their site, and major reviewers sites, like XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX. However, I have proof of hard inquiries into my report. Looking further, one of their lenders which did a hard inquiry on my report, is XXXX and can be found at XXXX XXXX XXXX  Again, they state no hard inquiry ... and claim partnership with XXXX. Rate Genius is another site which exclaims they do not do hard pull inquiries, but diving further they at least state in their FAQ 's page that a hard pull is possible with just their simple application. However, their application term is vague and leads one to believe it'll be a soft pull until acceptance of a lender offer. Keep in mind, neither of these sites ask for social security numbers, which makes consumers feel like a soft pull is only possible. These sites are owned solely by a company called " The Savings Group '' after a merger in XXXX of XXXX It's apparent that these companies are lying to consumers by stating credit scores will not be impacted due to soft pulls, while they're clearly doing hard inquiries, impacting consumers credit scores. I have documentation to prove it. My credit report now shows multiple lenders/banks pulling hard inquiries for an auto refinance from both companies. This is unacceptable, and made worse by the trusted major financial review sites pushing this lie. All should be held liable ... The Savings Group for misleading with false statements, and the large financial reviewing companies for passing these lies on, without their legal teams vetting the info. The Savings Group needs to be addressed for substantially bad business practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Capital One Account XXXX XXXX Account # XXXX Subject : Request for XXXX Form and Clarification of Debt Status Dear Capital One I am writing in regard to an account that you have reported as " charged off '' on my consumer report. According to the information you have provided to the credit reporting agencies, this debt has been classified as a charge-off. Under federal law, if this debt has been charged off and effectively cancelled, you are required to issue a 1099-C Cancellation of Debt form for tax purposes. 
Request for 1099-C If the debt has indeed been charged off and cancelled, I formally request that you provide me with a copy of the 1099-C form that was sent to the IRS for my records and for tax reporting purposes. Under Internal Revenue Code, 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is discharged or cancelled.

Clarification of Reporting If you have not reported the cancellation of this debt to the IRS and no 1099-C form has been issued, this suggests that the debt may not actually be cancelled. In that case, your reporting to the credit bureaus is incorrect and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate or incomplete information on consumer credit reports. Immediate Action Required I kindly request that you take the following actions : 1. Provide a copy of the 1099-C form f
or my records if the debt has indeed been charged off and reported as cancelled.

2. If no 1099-C has been issued, correct the inaccurate information on my consumer report and confirm that the account status has been updated accordingly.

Failure to provide the 1099-C form or correct the inaccurate reporting will leave me with no choice but to file a dispute with the credit reporting agencies and report this matter to the Consumer Financial Protection Bureau ( CFPB ), as well as pursue any legal remedies available to me under the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have incorrect names listed in my credit report. My personal information is incorrect.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to p
rovide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

Upon careful review of my credit report, I noticed that a XXXX XXXX XXXXXXXX entry has been incorrectly listed. In accordance with FCRA 623 ( a ) ( 5 ), if this information can not be validated with the original creditor, it must be removed from my file. 
In this case, the XXXXXXXX XXXX XXXXXXXX, cited as the original source, have clearly stated that they do not supply information to credit reporting agencies, nor do they confirm or verify public records. Furthermore, XXXX has provided documentation indicating their inability to validate this public record information. 
It is solely the responsibility of credit reporting agencies like yourselves, or your third-party providers, to ensure public record information is verified. This task is never handled by the Recorder of Deeds or the XXXX XXXX system, as outlined by privacy protections under the Fair Credit Reporting Act. 
As such, the reporting of this bankruptcy violates the following federal regulations : 15 USC 1681a ( e ) : Prohibits reporting public records without proper validation.

15 USC 1681b ( a ) ( 2 ) : Restricts the provision of consumer information without consent.

15 USC 1681c ( a ) : Excludes outdated or inaccurate bankruptcy information from consumer reports.

The continued reporting of this unverifiable bankruptcy is causing me significant financial harm, including preventing me from obtaining credit necessary for supporting my family. This needs immediate correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports.

Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Please see my reasons for dispute below : Account name : XXXX 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 XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended.

Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX