23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint under 15 USC 1681 regarding my credit report. As a natural person and a living human being, I have certain rights that are protected under this law and the Fair Credit Reporting Act. Unfortunately, the consumer reporting agencies have violated my rights several times, and I am requesting that the following accounts be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ALCHILDSUPT- XXXX These accounts have been included on my credit report without my permission, which is a violation of 15 U.S.C 1681 section 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. Finally, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making any consumer report that contains adverse information other than records of convictions of crimes that predate the report by more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the inclusion of the aforementioned accounts on my credit report is inaccurate, and I am requesting that they be removed immediately.

I would also like to bring to your attention two fraudulent inquiries that were made on my credit report without my authorization : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they had a permissible purpose to make them. Therefore, I request that these inquiries be removed from my credit report as well. 

Thank you for your assistance in this matter. 

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

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected as soon as possible : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history reporting to my XXXX credit report by Statewide Auto Sales is inaccurate. They are reporting over 20 late  payments ONLY to my XXXX credit report. I reached out to them to correct this matter and they informed me to dispute it with the bureaus. The bureaus are only reporting what they are being sent and they sent XXXX false information. They have never received a late payment from my account but reported to XXXX as they did.
Product: Credit card or prepaid card

On XX/XX/XXXX I first noticed a fraudulent charge of {$19.00} to my XXXX   XXXX XXXX credit card. This charge was from " Experian Credit Report ''. I have never used Experian for any matter and NEVER authorized them to charge my credit card {$19.00}. On XX/XX/XXXX I cancelled that particular card and XXXX  XXXX XXXX issued me a new card that I received overnight mail on XX/XX/XXXX. With the new card I requested any new attempts by Experian Credit Report to charge on any account to be declined. 

Experian Credit Report as repeatedly attempted to charge my NEW credit card a recurring fee of {$19.00}, this they attempted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again today XX/XX/XXXX. 

I have exhausted all attempts to contact this business as I can only speak to a recording unless I give them my full name, date of birth, social security account number and my current address. This will never happen. 

Again, I have never used Experian Credit Report, never authorized Experian to charge my credit card. I only want them to stop their fraudulent attempts to charge my account. 

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

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

Account Name : 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 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 or 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: Mortgage

Recently my mom asked me to purchase her home as she was moving in with my sister ( XXXX  ). Keeping the home in the family was her wish so we agreed on these terms : sale price was $ XXXX, of which she would get $ XXXX, my wife and I were to get $ XXXX to clear debt and accomodate new loan. I went through Loan Depot as a 2nd time customer and clearly explained these terms to him repeatedly over the course of 7 weeks. He replied back on XX/XX/XXXX, in a very condescending manner that he explained to me " many many many times I was getting what I want ''. Still have the email. 
Three days before closing I get an email from him ( XXXX XXXX ) to the affect of " wait, we can't do that, it's against the law '' " you can't get cash out on a purchase '' etc. I don't pretend to know their industry, I made a request and was told repeatedly it could be done. 
In addition to this, at the closing, we found out that we're paying mortgage insurance to the tune of {$100.00} a month. On my mom 's home, at a severely discounted price ( $ XXXX was agreed upon, and it appraised at $ XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX stated I would have to authorize a Commenity Bank to pull my credit report to increase my line of credit. I asked if it would be a hard pull or a soft pull and she was stated I would need to contact the Credit Bureau. I also talked to her supervisor XXXX who stated they could not provide clarification to consumers about if they do a hard pull or soft pull. XXXX stated that their credit department does not speak to customers to clarify which pull they use to review consumers credit. She also stated she had no way of communicating with them for assistance. As a consumer it is our right to know if a financial institution uses a hard pull or soft pull prior to authorization a credit review to assure we have know the possible impact it could have on our credit report. XXXX also stated she could request a line of credit without pulling my credit report after XXXX stated it was a requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of Education XXXX XXXX US Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Bank of America prepaid card services. It's been weeks since I filed my dispute and nothing has been done.
Product: Checking or savings account

Two fraudulent checks were cashed and debited from my checking account on XX/XX/XXXX one for {$2200.00} and the other for {$2200.00}. The thieves had obtained my name, bank and account number and created fraudulent checks that required no signatures. They wrote on the back as " for deposit only '' again with no signature. 
I didn't notice the debits until XXXX of XXXX. I spoke with Chase Bank customer service and a claim was made in their fraud department. I was denied due to the notification was past 60 days. 

Better safeguards for preventing this type of thing from happening again need to be made. A computer program that recognizes this type of check as possible fraud and so flag it and not cash it from an ATM or phone. Bank employees trained to recognize this type of fraudulent activity. Banks not to cash any checks that do not require a signature on front and or back.
Product: Credit reporting

There is an account that I never opened spoke with the company which is XXXX XXXX and confirmed this should not be listed on my credit file and also Equifax has inaccurate personal information, there response to my dispute states XXXX XXXX which is NOT me my name is XXXX XXXX. Please help I have disputed with no changes on anything. I can not make a financial move I need to because of the inaccurate items
Product: Vehicle loan or lease

I paid the remaining balance based on their payoff quote of XXXX. I did this on the XXXX XXXX of XXXX. They told me it would be 7 business days. Then it is XXXX to transfer my title to the state.
Product: Credit reporting

I received an consumer inquiry on my credit file from XXXX on XXXX XXXX, 2016 and have been given the run around by Equifax and XXXX since XXXX. I have received a letter from XXXX stating they will notify Equifax and have Equifax remove the inquiry. Well, Equifax is stating XXXX XXXX has n't sent them an electronic file to remove this inquiry. I again contact XXXX XXXX and they state they have contacted Equifax electronically and requested this inquiry to be removed. 

On XXXX XXXX, 2016 I contact Equifax again and fax them a copy of the letter from XXXX stating they will notify Equifax to remove this inquiry. Equifax inform me to call back within 48 hours and this should be taken care of and removed from my credit file. I made a follow up call today XXXX Thursday, XXXX XXXX, 2016 ) to verify the inquiry has been removed. I am then told that Equifax still has n't heard from XXXX AND refuse TO ACKNOWLEDGE the letter from XXXX to remove this inquiry. Equifax then informs me that they will not remove the inquiry unless they here from XXXX XXXX electronically. 
Equifax has eluded to stating the consumer could have made up this letter ( which is attached ) and refused to even acknowledge I received it from XXXX XXXX. I 'm at my wits end, very frustrated and annoyed with the disrespect shown to the consumer from XXXX XXXX and Equifax. What are consumers to do when we are caught in the middle of a mess. This inquiry system needs to have a better dispute process, it is impossible to challenge and resolve inquiry disputes on the part of the consumer. Our hands are tied and were caught in the middle of mindless idiots when they make errors.
Product: Debt collection

I have a a unverified account from CMI # XXXX****. I had previously disputed this account. I have never done business with CMI # XXXX****. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX**** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI # XXXX**** Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

Dear Sir/Madame I am writing to file a complaint against for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer. 
XXXX. Failure to Provide Validation Information I received a communication from CREDIT MANAGEMENT LP stating that I owe a debt of XXXX to XXXX XXXX XXXX. However, the collection agency failed to provide me with the required validation information as outlined in XXXX CFR XXXX ( b ) ( XXXX ), which includes the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt. This omission violates my right to ensure the accuracy of the debt before it is reported to credit reporting agencies. 
XXXX. Lack of Opportunity to Dispute the Debt Furthermore, the collection agency has not provided me with a clear and straightforward method to dispute the debt, in violation of XXXX CFR XXXX ( c ) ( XXXX ) ( i ). This lack of access to the dispute process hinders my ability to challenge the validity of the debt. 
XXXX. False, Misleading, and XXXX Practices The collection agency 's actions constitute a violation of XXXX XXXX. XXXX ( XXXX ) ( A ) by using false, misleading, and deceptive means to collect the debt. Their failure to provide validation information and opportunity to dispute creates an environment of pressure and confusion, which is unfair and unlawful. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Without Proper Disclosure Additionally, the collection agency 's attempt to report the debt to credit reporting agencies without providing the necessary disclosures outlined in XXXX XXXX XXXX ( d ) is a violation of my rights. This action could negatively impact my XXXX XXXX without ensuring the legitimacy of the debt. 
XXXX. Request for Resolution Therefore, I am requesting the CFPB to investigate these violations and take appropriate action against CREDIT MANAGEMENT LP This includes : Instructing the collection agency to cease all collection activities until they comply with the FDCPA. Requiring the collection agency to provide me with the missing validation information and a clear process to dispute the debt. Preventing the collection agency from reporting the debt to credit bureaus until its accuracy is verified. Furthermore, I request the following documentation from the collection agency : Debt validation document as outlined in XXXX CFR XXXX ( b ) ( XXXX ). Proof of their agreement to purchase the debt from the original creditor. Also, disputing owing any and all debt to them, revoking all rights of them communicating with me through email, text, and call. Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 
Sincerely XXXX XXXX
Product: Checking or savings account

I regularly paid my ex XXXX XXXXXXXX {$760.00} each month for child expenses. On XX/XX/2019, I sent a payment of {$760.00} to a wrong person with the same last name XXXX via transfer with my Bank of America checking account. Later I found I sent the payment to a wrong person and filed a claim with Bank of America to reverse the payment. The claim number is XXXX. 

Bank of America was not able to reach the person who received my money. They were not able to tell me the name, account number, address, or phone number of the person received the money. They closed my claim even after I called many times. Until now I have no clue who received my money. The BOA representative suggested me to go to the police and then the court, but I don't even have the the other party. That is not helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX XXXX have ignored my request that the information such as amount owed, date of last payment, the balance, and type/responsibility of account are all incorrect. Although they have said it's been verified I have not received any documents to show the proof. Certified letters with tracking numbers have been sent to both parties and I have not received anything from either party with the documents I have requested. This is not 100 % accurate on my credit report and I would like it deleted off my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, am writing about my credit account with XXXX credit card. I established a hardship contractual agreement in XXXX of 2023 to make a monthly payment toward this account of an amount both parties agreed to. I have and continue to make payments as agreed and on time!! My credit report with the credit bureaus continues to reflect that NO payment has been made as agreed upon. My XXXX payment was made via phone with a representative after much difficulty. I made two separate payments in XXXX, on the XXXX as scheduled, and a second extra payment on XX/XX/2023. A payment for the month of XXXX was also made on time as scheduled and is yet to be reflected. In fact, the credit bureau report reflects XXXX an XXXX  payment was made for XXXX, and the XXXX payment is not acknowledged at all either. This is contrary to the fact two payments were made in XXXX along with my payment in XXXX as scheduled. Despite the fact I had a confirmation number for my payment, I also spoke with a XXXX supervisor who also confirmed the payments had been received but gave no information as to why payment was not being reported. Hence, the company continues to report nothing for more than 60 days OR report it was not received either. I have filed a dispute through XXXX disputing this report on my credit report and spoke with a credit card supervisor asking for this to be corrected. However, to my dismay, XXXX credit company still refuses to correct my credit account and reflect payments made as agreed to my 3 credit bureau reports. 

I am seeking to have my payment history updated and credited accordingly immediately to reflect the correct credits to my account. 

No one especially a senior should have to be subjected to all this!! Thank you in advance for your assistance.
Product: Vehicle loan or lease

AROUND XXXX I NOTICED SOME INFRACTIONS WITH MY LOAN SO ON XXXX I SENT A CEASE AND DESIST LETTER PLUS A AFFIDAVIT ALONG WITH A DEBT VALIDATION LETTER TO ADRESS MY CONCERN NO ONE EVER RESPONSE TO MY LETTERS THEY ONLY SENT THREATS I HAVE THE PROOF
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.