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

To Whom It May Concern : I am writing to formally demand the exclusion of specific transactions from my consumer report under the provisions of 15 U.S.C. 1666b. This statute mandates that, to be included on my credit report, creditors must provide all required disclosures per 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date. Failure to meet this disclosure requirement invalidates these transactions ' reporting, and XXXX has a legal obligation to exclude such inaccurately reported information. 

The following transactions are at issue : 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 XXXXXX/XX/XXXX The lack of timely disclosure of these transactions violates my rights under the Truth in Lending Act, specifically sections 15 U.S.C. 1637 ( b ) and 15 U.S.C. 1666b. Courts have repeatedly upheld that credit reporting agencies must ensure the accuracy of information on consumer reports and are obligated to remove or exclude items reported without proper disclosure. Relevant case law includes : XXXX. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX ( XXXX ) which established that failure to provide mandatory disclosures under the Truth in Lending Act constitutes grounds for consumer protection action, affirming that consumers have the right to accurate information on their reports. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which highlighted that creditors must meet strict compliance standards, including providing timely disclosures as outlined by the Truth in Lending Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Co.**, XXXX XXXX XXXX ( XXXX Cir. XXXX ) which reinforced that credit reporting agencies bear a responsibility to verify the legality and accuracy of information on consumer reports, and failure to investigate properly can result in statutory violations. 

Given the above, I am requesting that XXXX immediately exclude these transactions from my consumer report, as their inclusion violates federal regulations and undermines the accuracy and integrity of my report. 

This demand is made in line with the requirements of the Fair Credit Reporting Act and the Truth in Lending Act. 

Please provide written confirmation within 15 days that these items have been excluded from my report. 

Failure to do so will compel me to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and any necessary legal action. 

I trust that XXXX will address this matter promptly and uphold its obligation to maintain accuracy on consumer credit reports.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX says they are totally separate ) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XX/XX/2021 Payment inadvertently made of {$24000.00} on lease payment due of {$240.00} Said funds were transferred from my XXXX XXXX XXXX  checking account to XXXX XXXX. 
XXXX XX/XX/2021 Called XXXX Customer Service to report over-payment. I was told they would look into it. 
XXXX XX/XX/2021 Called XXXX Customer Service and was told the payment processing department could not process the refund because of possible stop payment on my check, and was told to check with my bank. Called XXXX XXXX XXXX and they informed me that no such stop payment order had been received and the funds had had been withdrawn from my account and sent to XXXX. I immediately relayed this information back to XXXX XXXX Customer Service and was told this information would be sent to the Payment Processing Department. 
XXXX XX/XX/2021 I inquired as to the status of the refund and was told the service request had been submitted to the Payment Processing Department on XX/XX/XXXX, and was would be sent to me by XX/XX/XXXX ** XX/XX/2021 I was told that XXXX XXXX could not find my request for a lease extenstion, which I requested on XX/XX/2021. They told me that they would check and would call me back. I never received a call back. 
XXXX XX/XX/2021 I was told Customer Service would email XXXX XXXX Department and would explain the over-payment and would request that the over-payment be applied to one expect the refund in 30 days, and/or 16 business days. 
XXXX XX/XX/2021 I was told that the refund check would be sent, but would take 3-5 days for me to receive it. 
XXXX XXXX XXXX I checked on the lease extension and was told it had been approved and I could ignore the " request to return leased vehicle '' letters that I had been and would be receiving. I checked on the status of the refund and was told it was still being processed. 
XXXX XX/XX/2021 I called Customer Service and was told that their prior request to the Check XXXX Department had been improperly completed and that they would submit a new request. 
XXXX XX/XX/2021 I was told by Customer Service that no response had been received from the XXXX Department and that they would submit an email to them marked urgent. 
XXXX XX/XX/2021 I was told that an urgent email request had been submitted, but Customer Service had not yet received a response. 
XXXX XX/XX/2021 This information was FAXed to XXXX XXXX, Attention CARE Department XXXX XX/XX/2021 Talked to employee supervisor and manager and was told, in each case, it was in process and would be sent 16 days from XX/XX/XXXX, although they had no official confirmation and would send another email if refund date could be improved.
Product: Credit card or prepaid card

Since XX/XX/2022, someone has tried to submit an application to get Ohio Unemployment in my name. They have applied for credit cards in my name to ( 1 ) Upgrade ; and ( 2 ) XXXX XXXX. They currently have my email account frozen as someone tried to access my email to gain info about the above two credit card attempts.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I went to XXXX XXXX to purchase a bedroom suite . I placed a downpayment of XXXX. Little did I know nor paid any attention to the interest and finance charges. ( My Fault for not looking at the both charges ) However, my intention was simple try to payoff the bedroom suite within the XXXX timeframe. To avoid any interest or/and finance charges. I thought and believed there were no finance charges nor interest until after the 12 months. Which means XXXX XXXX began charging interest and finance charges on XX/XX/2022. Which started accumulating charges the next day.
Product: Credit reporting or other personal consumer reports

Unauthorized credit card account opened and showing on credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX is constantly fraudulently reporting accounts on my report inwhich I HAVE NO CONTRACT WITH, I have repeatedly disputed these accounts all to no prevail. The constant harassment and XXXX  hardship only would lead me to suing this companies. Never once have these reporting agencies nor the companies they represent brought forth any physical documentation that shows that I have a verified account/ contract with the following companies, ( 1 ) XXXX  XXXX XXXX , {$900.00}, ( 2 ) XXXX XXXX XXXX , {$1000.00}
Product: Payday loan, title loan, or personal loan

The company has not sent a statement of the bill in 3 months although payments take place. Furthermore, in communication within the company, they said they would send invoices via email for the current status and begin sending them. Still have yet to see one statement although I am paying the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


Please keep in mi

nd that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written
instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt or credit management

On XX/XX/XXXX, I entered into an agreement with ARS National Services Inc. to resolve an outstanding debt with XXXX. The payment arrangement letter is attached. I proceeded to make all the automated payments listed in the arrangement through XX/XX/XXXX including a {$100.00} payment made in XX/XX/XXXX. My bank statement pages are attached showing all payments made. In XX/XX/XXXX I had a negative balance on the day the automated payment was attempted. 1-2 days afterwards, I had a positive balance. My XX/XX/XXXX bank statement page is attached. I never received notification either verbally or in writing that this final payment was missed. It wasn't until I received a settlement offer letter from Client Services ( see attached ) in XX/XX/XXXX for the same XXXX account that I realized there was an issue with my ARS National arrangement. When I contacted ARS customer service, I was told that they do not notify people when a payment is missed. They simply cancel the arrangement and treat the arrangement as null and void. Any monies collected as part of the arrangement up until that point are kept by ARS and not sent to their client, XXXX, to satisfy the debt. I believe this to be an unfair business practice and as a result, my debt settlement should be satisfied with the final payment of {$400.00} made to XXXX XXXX which I am more than happy to make.
Product: Credit card

see last note. After a second rep loked up what 2 factor identification is, I was told that it is not offered on the L.L. Bean Citibank Mastcard accounts.
Product: Debt collection

After reviewing my credit report I noticed a fraudulent account. I was told the only way to remove this was to pay the entire amount off. After finding out this was not accurate, and under the fair credit reporting act its illegal for them to keep this on my report. I hired a company to handle the situation in my behalf. As of now they have informed me that they sent off an affidavit for identity theft. I am still getting harassed by this company. They have continued to drag my accounts down for the past two years, with fraudulent late fees and remarks on an account that does not belong to me.
Product: Debt collection

XXXX XXXX XXXX sued me for credit card debt, but they bought the debt, and when filing the lawsuit, they presented it incomplete, without important documents, such as the XXXX, the authorization from the defendant where it is explained that she accepts the debt, my debt was with CITI BANK XXXX not XXXX XXXX XXXX, they did not add the breakdown of the credit card expenses, they only added the total amount of the debt, they are accusing me of unlawful enrichment, but they are not proving how I became rich, because they did not send the documents to support the lawsuit, they did not send me a letter 5 or 6 days before informing me that they had bought the debt, and I have a hard inquiries on my credit report because of them, they know that debt was a charge off and was closed by Citi Bank and XXXX reported the debt as a loss to the IRS. and they did not send me the document of the debt losses, and they are claiming in the lawsuit that they suffered losses when that part is not true.
Product: Credit reporting or other personal consumer reports

According to laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, My credit report is improperly being reported with inaccuracies, billing errors and late payments that go against my rights as a consumer. The accounts that reflect these errors are : 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 I request a thorough investigation into these discrepancies to validate the accuracy of this late payments and improper reporting of information. If unable to furnish proof, I demand these payments to be updated and/or removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were on my credit report as Charge off with balance : XXXX XXXX - XXXX, the payment history of late payments are completely inaccurate, and lacking. Date of last activity is not correct. Please remove this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent po report to XXXX, experian, and XXXX XXXX XXXX, XXXX and XXXX XXXX id theft victim sent everything to the major credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

The account Global Lending Services account number # XXXX, is currently showing inaccurately on my credit report on XXXX, XXXX and XXXX. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ). I am requesting that this item be removed permanently from my credit report immediately. This statue states that the agency which fails to maintain any record with accuracy, revelance, timeless and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Product: Credit reporting or other personal consumer reports

I noticed XXXX XXXX XXXX XXXX XXXX on my Credit Report. I have never even heard of this company, nor have I ever had a loan through them. 

I also noticed XXXX XXXX on my credit report. I have never had mobile services or any kind of service through XXXX XXXX.
Product: Mortgage

I am working on an FHA short sale with US Bank - They have not responded to the offer I sent them since XXXX 2015
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

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 An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I tried to get my equifax report, and I was unable to gain access
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Barclays Choice privileges visa card for several years now. The last 2 weeks I have been unable to access my account. It keeps coming up can not access for security reasons. I have tried for 2 weeks now to contact their costumer service by phone and e-mail. By phone over 10 hours listening to the same recording please wait for next available agent. I have never over the years had a problem getting through to resolve an issue. I tried to e-mail them 5 days ago and have got no reply. I got an e-mail from them today for my monthly statement. But I can not make a payment if I can not access my account. They may be having some kind of Tech. issues, but it would be nice if they could tell us that.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$310.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXT XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$490.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX IL XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXXXXXX XXXX XXXX  bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX, IL XXXX