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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Oklahoma Student Loan is still showing on my credit profile. The loan is no longer under OSL. This company refuses to remove this inaccurate information.
Product: Debt collection

Back in 2017, I used to have a credit card through PenFed. I was unable to make payments so I stopped paying on it. 

Over the next few years, PenFed eventually charged the account off. I never received anything in the mail notifying me of this. Then, the third party debt collection agency, " XXXX XXXX, XXXX '', took over the debt, which I wasn't made aware of. They summoned me to court but I tried settling with them out of court. During this time, the Pandemic caused my job to lay me off. I called XXXX XXXX XXXX XXXX ( The Attorneys for XXXX  ) so I could try to ask for more time. They told me to just give them a call back when I get another job. 

2 years later, out of nowhere, these guys just started taking money from me. I never received any letters notifying me that any of this was taking place. And now I am being garnished {$400.00} per paycheck. The way these people are handling my case is unacceptable as well as unfair. I am currently taking steps to try and sue these people for their incompetent and predatory practices. Please help me in any way that you can. Thank you for your time. 

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

I had an account with Chrysler regarding a XXXX XXXX XXXX. I wanted to pay the balance off. I called to make a settlement with the dealership twice in which I advised could pay if they gave me a settlement amount. I know I had paid well over the cost of the in interest and fees. I asked the department and the advised me the amount of {$27000.00} on three occasion. I finally called back to let them know I could not continue with the payment and would have rather pay a settlement balance if possible. I had just made a purchase of another vehicle in which I paid cash for it was for the amount of {$19000.00}. and some change which I have documentation to prove. I called back at Chrysler and asked again and about a settlement and they provided a dollar amount of {$19000.00}. I have tried to resolve this matter at no end with this company. I even went as far as to Executive to file suit which the had an investigation and found both calls of me having conversation with each rep regarding options to resolve my loan. I checked my XXXX and see the have it in write off. which is now effecting my credit. I want to know if you can possibly help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times to verify three accounts and they have not sent me supporting information on these accounts that have been bringing down my credit score. I have asked and written multiple times over the last 4 months to submit the verifiable information and I receive " updates '' and " remains '' on credit report. They have not sent in supporting information and continue to report past due amounts monthly on accounts that are past due and closed. This is a violation and they will not submit any information after months of requesting. I made the first request in XXXX and subsequently months after. I have called, written physical mail, emailed and disputed online. I have asked to delete these accounts and they remain on my report. It is hurting my credit and they can not tell me where these accounts came from in the first place. Dates are inaccurate, accounts are fraudulent and it continues to be updated monthly as " past due '' on a collection account. 


XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX of {$2500.00} XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX {$2700.00} XXXX Credit Card XXXX OPED XX/XX/XXXX XXXX Account Charge off PAST DUE as of XX/XX/XXXX.
Product: Credit card

During process of securing a XXXX. construction loan I find out U.S. Bank reported my account 30 days late in XX/XX/XXXX to all the credit bureaus. My due date is the XXXX of each month and my usual minimum payments are around {$120.00}. 
On XX/XX/XXXX I made a payment of {$150.00} On XXXX XXXX another payment of {$160.00} On XX/XX/XXXX made a payment of {$200.00} on XX/XX/XXXX made a payment of {$260.00} and XX/XX/XXXX Payment of {$2500.00} was made. 
All these payments were successful and easily covered my minimum. 
-- -- There were a couple larger payments one on XX/XX/XXXX for {$4400.00} that was returned. This payment was in error as the number " XXXX '' somehow duplicated. I even contacted US.Bank to inform them the payment was meant to be {$480.00}. 
Additionally, on XX/XX/XXXX a payments for {$2500.00} was made twice on the same day due to internet glitches that seemed to have been nation wide. One of the {$2500.00} payments was returned as expected. But again that payment was an extra payment. However, U.S. Bank reported me 30 days late in XX/XX/XXXX to all three credit bureaus. I contacted U.S. Bank on XX/XX/XXXX at XXXX and talked to a representative and a supervisor ( XXXX ), I clearly explained the situation to both However, both the representative and Supervisor ( XXXX ) refused to change or correct the 30 day late reported. 
My history : I have been in business since XX/XX/XXXX have my credit history goes back 25 years and have easily over XXXX different accounts. I have NEVER EVER been 30-days late on a payment with any of my past accounts. I have had XXXX or XXXX reported incorrectly and resolved those. I have a successful XXXX in the range of {$400000.00} and XXXX dollars, and an impeccable reputation. US. Bank 's reckless reporting will cost me hundreds of thousands in higher interest charges. I made every reasonable effort to resolve this but US Bank refused on several attempts.
Product: Credit card or prepaid card

My card was cancelled without any communication. " except a letter that was mailed the day it was closed '' that I still haven't received. I have been in good standing with the card and made my payments. Now I've made medical arrangements for a procedure that I was having on that card in 8 days and Will no longer be able to have the XXXX  procedure because I can't use this card to pay for it. The scheduling has been six months out. I have also found their communication to be rude and never customer focused. It's unfortunate that I have had to count on them. I will never use their service again or recommend to anyone. That's too bad because I gave them great reviews initially. For the Interest rate  they have associated you would think they would be easier to work with. After being on the phone for 10 minutes to file a complaint there was still no indication they would even file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened an account with XXXX XXXX. I have never signed a contract with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notification of new derogatory collection account XX/XX/XXXX from XXXX XXXX representing XXXX XXXX/ XXXX which was removed/ deleted 1 year ago. Via online dispute twice, communicated company did not provide any communications of this debt before placing on my credit report. XXXX and XXXX removed immediately. Transunion continues to report as a verified account even after I provided documentation account is duplicate account removed last year by XXXX XXXX due to being unverified account and after notification company violated FDCPA. Certified mail letters to XXXX XXXX XXXX ; XXXX ; & XX/XX/XXXX via certified XXXX : Receipt # 's XXXX ; XXXX ; XXXX.
Product: Vehicle loan or lease

I applied for an auto loan with Capital One, and they checked my credit multiple times. Since I couldn't access my application, I resubmitted it, thinking it hadnt gone through. Additionally, some other companies claimed they wouldnt do a hard inquiry but ended up conducting one anyway.
Product: Credit reporting or other personal consumer reports

JPMCB AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPCMB is reporting fraudulent inaccurate information on my credit report multiple times. The fraudulent information is a violation of The Privacy Act of 1974 15 USC 1692c - Communication in connection with debt collection 15 USC 1681 - ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 6801 - PROTECTION OF NONPUBLIC PERSONAL INFORMATION 15 USC 6802 - Obligations with respect to disclosures of personal information Internal Revenue Service, Treasury 1.1664 15 USC Subchapter V - DEBT COLLECTION PRACTICES 15 USC 1681c - Requirements relating to information contained in consumer reports
Product: Debt collection

This is a serious issue that I am having with your company. I called numerous times and sent in documents to dispute this fraudulent account but your company failed to process my demand to delete this account and cease & desist all activities with my information immediately. Your company and all three credit bureaus NEED to remove and delete all information that your company is reporting to my credit profile without my consent and written instruction to use my information. Your company has violated all my consumer rights that's listed under Exhibit A. I didn't sign any contract for your company to engage with me. Your company needs to remove and delete this immediately. I went over this account twice and I am 100 % sure that This account is not 100 % accurate or is it valid to report on my credit profiles.I have court documents that the JUDGE dismissed and your company is still neglecting to remove the account details from all three Credit Bureaus. This account is unverifiable, invalid and not mine. Please follow FDCPA rules and FCRA laws. Also I want you to know that your company failed to comply with FDCPA rules and FCRA rules. There's a {$1000.00} Dollars per violation and if this account is not removed in the next 3 to 5 Business days I will take legal actions to exercise my rights under 15 u.c.s. 1681i ( 5 ) ( i ) ( ii ), 15 u.s.c. 1692g Validation of debt and 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Remove and delete all information.
Product: Consumer Loan

I have been trying to get statements for my XXXX motorcycle loans. In XX/XX/XXXX, USAA said I will no longer be a member with USAA. Since then I have n't gotten any statements. When I call I am asked to answer security questions. After they verify my information then I am put on hold, sometimes this hold is forty eight minutes to an hour. When the representative comes back, their reply is to hold for a manager. Again the wait varies thirty to forty-five minutes. When manager answers, they go through the verification again. Only for them to tell me they can not access my loans. Then they will give me other phone numbers to call and they say the XXXX office is the only office that can help me. XXXX motorcycle loan was open in XX/XX/XXXX and the other XXXX opened in XX/XX/XXXX. Since XX/XX/XXXX I have not had access to my accounts and USAA has not provided statements to me. I have been mailing payments with no confirmation of payment received. I am currently in the process of selling the XXXX motorcycles and I need the payoff amounts, but again USAA has refused to give me access to my loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX amount {$13000.00}, XXXXXXXX XXXX # XXXX amount {$2900.00}, XXXXXXXX XXXX # XXXX, amount {$540.00}, XXXX XXXX # XXXX amount {$77.00}, XXXX XXXXXXXX XXXX  # XXXX, amount {$710.00} they deleted something called AcceptanceNow if they deleted that one they should delete all under section 605B and 15 U.S.C.1681 if they can not send the contract with my wet signature I want all credit bureau deleted off my credit and National Credit Adjust # XXXX XXXX, XXXX # XXXX, amount XXXX, XXXX XXXX XXXX XXXX, amount XXXX its been sold to someone and I was also exposed to data breach my claim number is # XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Mortgage

On  XXXX   XXXX , I received an  Escrow Analysis from my  mortgage servicer,  Wells Fargo . I found it odd because I just received my normal cycle escrow analysis in  XXXX    XXXX  . I called them and the Customer Service representative was not helpful. She said that Illinois required an escrow analysis to be run every  XXXX . I asked why this is the first  XXXX  escrow analysis I have we have received in  XXXX  and she could n't answer that.   On that analysis, nothing makes sense to me. My Escrow Account History shows the Actual Payments from Escrow to be {$3100.00} but in my Escrow Account Projections portion , Wells is pro jecting it to be {$6800.00}. How the heck did they come up with that?
Product: Credit reporting or other personal consumer reports

As the Consumer, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Supporting this is 5 U.S. Code 552a " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Experian violates of - 15 U.S. Code 1681b " Experian would need my written consent to add anything to my consumer report which I did not give. 
- 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) " Reporting Transaction history is illegal.

Under 15 U.S. Code 1681c " No adverse items besides the conviction of crimes should be on a consumer report.

- 15 U.S. Code 1681s2 " Experian has been put on notice of the inaccurate information and must immediately stop reporting that information. 

Under 15 U.S. Code 1681n Experian is liable for {$1000.00} per violation for noncompliance. ( There have been 204 violations counted. ) Per the FCRA as a federally protected consumer. I am now Opting Out of any authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.
Product: Debt collection

Dear CCS COLLECTIONS ; XXXX XXXX XXXX ; I never had any relationship with CCS nor XXXX XXXX  insurance companies. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I am writing in regard to the above referenced accounts and transactions. 
The vehicle was repossessed by CAC in the State of ALABAMA on or about, XX/XX/2017, and resold on or about unknown.Under the laws of the State of Alabama UCC Alabama Code Title 7. Commercial Code 7-9A-205 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.As per the law, cease and desist all collection activity, including credit reporting.
Product: Debt collection

XX/XX/XXXX Subject XXXX Formal Dispute of Inaccurate Information Request for Permanent Removal of Negative Accounts To Whom It May Concern, I am writing to formally dispute the following inaccurate and/or unverifiable information on my credit report that I have disputed plenty of times and no action was taken.Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account listed below can not be verified, and I request their immediate and permanent removal from my credit file. 

Disputed Account 1.Transworld Systems Inc XXXX Basis for Dispute : 1. The above-listed accounts contain inaccurate information, and can not be verified
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$410.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date XXXX XXXX number XXXX account name- XXXX XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX These account is reporting error and have not been properly verified which this matter is a violation of my FCRA 605B ( 15 U.S.C. 1681c-2 ) I also have loan closed Student loan accounts that are reporting closed with a owed balance which is also a error and I have sent in dispute letter twice now which no update and validation so please verify all closed student loan accounts there should be no closed account with a balance on it. This is inaccurate reporting therefore please remove these accounts off my credit report and update it due to my FRCA Rights.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called Equifax last week to check on my credit report 's investigation with XXXX XXXX XXXX XXXX. I asked how did XXXX verified this account as accurate the supervisor who was working from Indiana told me they don't do any investigations at all he said whatever the creditor sends back is what they go with. This man told me his name was XXXX XXXX! 


XXXX has people working and handling credit disputes from Indiana when they have no understanding of the FCRA laws. 


I demand a reinvestigation due it being many inaccuracies on this account. If this account is not deleted immediately I will take further action as to why XXXX refuse to see these clear inaccurate account reportings on my credit report.