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

I noticed multiple inaccuracies and unverifiable items on my credit report, which I formally disputed under the Fair Credit Reporting Act ( FCRA ). These discrepancies include incorrect personal information, disputed accounts, inaccurate collections, and unauthorized inquiries. I requested that the credit reporting agency investigate these items and validate their accuracy, as required by federal and state laws, specifically the FCRA. 

Under 15 U.S. Code 1681i, I asked for verifiable documentation supporting the accuracy of each disputed item. If any of these items could not be verified, I requested that they be removed from my credit report. I also requested that any unverifiable or non-compliant items be deleted to ensure that my credit file remains accurate and in compliance with the FCRA and Metro 2 reporting standards.

Additionally, under 15 U.S. Code 1681b, I identified several unauthorized inquiries and asked for them to be removed from my credit report, as they were not made with my consent or knowledge. 

I emphasized that the investigation must be completed within the XXXX period required by the FCRA, and that I expect to receive a hard copy of my updated credit report reflecting any corrections.
Product: Checking or savings account

I had accounts between XXXX with TD bank and all my accounts close and all of the accounts had fees access to the account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I paid off my loan and received my car title, so am sharing this information in order to protect other customers who may be experiencing the same issue without their knowledge.

I made six payments to 1st Simmons ( Arkansas ) over the course of several weeks, each time stipulating that the entire amount be applied to principal. In every case Simmons applied as a regular payment, not toward the principal. I exchanged over twenty emails with Simmons to correct the misapplications. The person handling my complaints to correct the misapplications was very professional and very helpful but the problem continued to recur.

1st Simmons website has no mechanism, no special button to click, to apply the payment to principal as is the case with the websites of other lending institutions with which I have loans. Instead, the Simmons website has a notepad on the payment screen. On each payment that I made I entered a message to apply the entire amount to principal. On each occasion the payment was not applied to principal. Making a principal payment over the phone with Simmons requires an extra fee. 

If I had not followed through to check that my payment went to principal as I requested, I would have paid more on my loan. This may be happening to other Simmons customers.

After final payment and receiving my title, I sent an email, requesting that the email be forwarded to management, explaining my concerns and th
at I felt obliged to make other potential customers aware of the situation I experienced with Simmons. I received a reply back ten days ago saying that my email had been forwarded to  management. I have not received a response from management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.
Product: Payday loan, title loan, or personal loan

I took a title loan on my car last year I have not heard from them in a year in a half time no email no mail they came Sunday and repoed my XXXX. I'm out of work because of covid no money they wanted XXXX to get my XXXX   back I tried to work with them with no luck they kept saying I needed to have the money. it would have been nice if they would have contacted me they said they tried calling they read off the phone number it wasn't my number and I sent them that they took my real number and they said they tried calling they don't send emails they don't send anything in the mail but all the sudden I got a letter in the mail stating that my car was picked up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

a few people over the last month have called me repeatedly at work and on my cell phone claiming to be attorneys from Brownstein & Weiss Arbitration. 
I asked them to send me something in writing regarding the debt they claim I owe. 
After several requests I did finally get a vague letter on XXXX XXXX. 
I immediately drafted a responce to the letter to Cease and Desist and that I have no record of said debt and if they had futher documentation to please mail it to me. 
I did not hear anything from them for a few days and then they called and left a message indicating they were going to service me XXXX days later. I emailed a repsone to the same emailed letter indicating I have certified my dispute letter to them. I had not heard anything from them since my email on XXXX XXXX until today. 
So far today they have called me at work XXXX times. The woman was very rude and nasty and told me I have XXXX warrants for my arrest for charges. When I asked what this is regarding she began screaming in the phone I told her to stop calling me and if they feel I owe money to please mail me proof to the XXXX XXXX provided them. They then proceeded to call my cell phone XXXX times in a row. 
They have now also called a co-worker and told that personI have XXXX warrants out for my arrest and they will be picking me up if I do not call them and resolve the debt today. 
This is absurd and is way out of hand. 
I always pay my bills on time if not early. I have no records of the debt they are claiming I owe and have simply requested proof and for them to stop calling my work and cell phone. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear LVNV FUNDINGXXXX I am writing to dispute the LVNV FUNDING account ( Account number : XXXX ) that is listed on my XXXX credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with LVNV FUNDING.

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b.

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by LVNV FUNDING is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Sent a letter to the credit reporting agency on XX/XX/year>. They notified me that they won't look into my disputes because I didn't send it, which is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX to get a validation of debt that they say I owe of XXXX from all of the schools they say I attended I asked for Promissory notes with my signatures, they responded that they would send proof. XXXX days later I got an email from XXXX with a Promissory note from XXXX XXXX saying I owe XXXX that was the only proof they provided with that being said all three of my credit reports show I owe XXXX this is inaccurate info and affecting my credit negatively I need the loans showing on my credit bureaus to be removed permanently because XXXX can not validate the remaining XXXX.
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 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency Can not Furnish an 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

There is a collection being reported on my credit report byt XXXX XXXX XXXX that is inaccurate. I have contacted all three bureaus twice and still have not received the documentation that I requested. I have also contacted the Creditor and have not received verification of this debt. This is an inaccurate debt that was originally reported by XXXX XXXX XXXX XXXX where I never lived. I have also tried to contact XXXX XXXX XXXX and they can not help me.

Please see the attached documents of letters I have sent to the credit bureaus as well as a letter I sent to XXXX XXXX XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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.

Please remove the following items from my credit report, immediately : TransUnion : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX  Act. # XXXX Opened XXXX Reported XXXX : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX  Act. # XXXX Opened XXXX Reported Unknown Condition XXXX : XXXX XXXX XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Closed Condition I have been working on this resolution since XXXX and it is having a severe negative impact on my life. THIS IS INACCURATE!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX TransUnion Dispute XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Investigation of Unauthorized Credit Inquiry I request that you investigate the inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

Thank you for your assistance in this matter, 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: Credit reporting or other personal consumer reports

on or about XXXX i sent a notice of dipsute to equifax and they ignored my request so i sent another letter on or about XXXX stating that they ignored my request ... after i sent 2 more letters which have all been ignored on or about XX/XX/XXXX ,XX/XX/XXXX and i will be sending another dispute as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : XXXX. A firm offer of credit XXXX. Insurance XXXX. Application for employment XXXX. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, the method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my police report to this dispute.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Can not access my money nor contact anyone. Cant get into ATM, check writing or close my account. No one to talk to.
Product: Credit reporting 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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX