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

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soonaspossible.
Product: Vehicle loan or lease

Applicant was denied credit and/or charged unlawful fees which were to be included within the financing agreement pursuant to the Truth in Lending Act and/or other applicable regulations and provisions pursuant to the Uniform Commercial Code, XXXX XXXX XXXX, the Codes of Federal Regulations. Additionally, payment of negotiable instruments were not honored and/or properly recorded or adjusted to provide applicant/owner proper tax documents, lawful title, and/or benefit. 

It is unlawful to be denied credit or for any creditor to discriminate against any applicant as it creates an adverse action pursuant to : Title 15 USC 1691 Chapter 41 Providing Scope of Prohibition ; 15 USC 1681 Providing Congressional findings and Statement of Purpose 15 USC 1611 Providing for the Criminal liability for willful and knowing violation 12 CFR 1002.4 Providing for Discrimination, Discouragement, and Scope of Rule concerning dealings between an applicant and creditor.

Additionally, the illegalities of finance charges and downpayments are defined, established, and lawfully remedied in : Title 15 USC 1605 Providing for the Determination of finance charges ; 15 USC 1662 Providing for the Advertising of downpayments and installments ; 15 USC 1635 Providing fo the Right of Recission as to certain transactions. 

Similarly, the Uniform Commercial Code 9-102 Providing for said negotiable instruments as were submitted pursuant to the Uniform Commercial Code 3-104. 

To avoid further litigation or process please provide immediate remedy, recourse, and/or reconsideration for credit, financing, and/or purchase giving full faith and credit to the applicant has the ability to secure or otherwise settle the security for the instrument and/or property enjoining a lawful consideration or refund of the total amount tendered of {$14000.00} by way of recission pursuant to the above listed applications of law.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I had unauthorized inquiries on my report. I've attempted to rectify the situation several times and got nowhere. I'm now sending the items your company told me were needed. Since I was told that the ID theft report from the FTC was invalid????? As well as the CFPB ( federal agency ) complaint was no good????? See attached
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to inform you of fraudulent accounts on my credit report that are severely impacting my financial standing. It has come to my attention that there are entries that do not belong to me, tarnishing my creditworthiness and financial reputation. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATIONXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute inaccurate information on my XXXX and transunion credit report. I have asked both companies to send me any documents with my original signature, or proof that shows that these are my accounts. These inaccurate accounts are listed below. 

the inaccurate items on my XXXX  report are listed below : # 1 XXXX XXXX ( {$8500.00} ) # 2 XXXX XXXX  ( {$620.00} ) I have never done business with these companies. 

These inaccurate items on my transunion report are listed below : # 1 XXXX XXXX XXXX  ( {$2000.00} ) # 2 XXXX XXXX ( {$620.00} ) # 3 XXXX XXXX ( {$170.00} ) I have never done business with these companies.
Product: Credit reporting

Saying government documents are invalid for a proper investigation and not actually reading documents. All of this for a false deed of assignment all done on a XXXX vet and family? also how can XXXX bank rewrite the transaction history just to execute a invalid loan modification for XX/XX/XXXX in XX/XX/XXXX? And I what to know what it is that is actually being hid from me and all borrowers?
Product: Debt collection

XXXX XXXX XXXX is the debt buyer. A year ago I asked for proof that it was my debt. They could only send me the itemization of delinquent payments since XXXX. This is when they took over the account. I asked who was the original company that claimed the delinquency. They could only tell me HSBC Bank and the account number. I tried calling that bank to get information and they could not help me being that the so called debt was sold to XXXX XXXX XXXX. All my other accounts on my credit report I can see very easily when my payments were made and if late or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir / Madam I recently obtained a copy of my credit report from XXXX  It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report.

( 1 ) JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX( 2 ) JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Personal statement ( s ) XXXX & XX/XX/XXXX XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
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, 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 : XXXX XXXX XXXX XXXX XXXX  NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Transworld Systems , Inc. XXXX XXXX XXXX, XXXX, PA XXXX has XXXX mailed me collection notices for a bill I paid directly to XXXX XXXX XXXX. I paid {$610.00} on XXXX/XX/XX/2013/15 check # XXXX. It cleared my bank. I have copy of cleared check. I responded to the first notice with a written note back stating that the debt was paid to XXXX XXXX XXXX. I enclosed front and back copy from my bank of cancelled check. The XXXX notice was received yesterday in my mailbox XXXX/XXXX/15. Today I mailed back another response and same photocopy of cancelled check. This is harassment. They could / should have contacted the original debtor.
Product: Credit card or prepaid card

The XXXX XXXX card does not have a website where users can login and make payments. Since I first got the card in XXXX of this year, their website has said that new registration is " temporarily unavailable. '' The only way to make a payment is through a very bare-bones form that accepts your credit card number and only allows you to make a one-time payment. You can't schedule more than one payment. There's no way to set up automatic payments. You can't see any statements or history. 

That means every month, you have a window of time during which you must go through this weird, tedious process. I would never have expected that in 2023 a credit card would not have a website, would not have online accounts, would have no way of viewing statements online, or would have no way to set up automatic payments. 

I did make a miss a due date and paid a few days late, because my life is not set up for paying bills the way I did 20 years ago. The fee was {$30.00} for missing a payment by a few days, one time. I did get them to give me a " credit '' for that {$30.00} fee, which they said they can only do one time. The only way to find out that I was charged a fee was to compare my receipts from the store to the balance on their payment form, do the math, and call the customer support XXXX number to ask about the difference.
Product: Debt collection

Got what I thought was scam calls turned out to be another collection agency on or around the XXXX of XXXX. I called ARS solutions who had the debt. They claimed they called and left voicemail but when I called t mobile to check and look at my phone records and voicemail nothing from them. I called back to ask why they didn't send an email notification or letter about the issue. They claim they couldn't reach me via phone from end of XXXX to XXXX. They where rude and unwilling to provide any proof. Not only did there lack of communication cause me financial stress but emotional stress. I suffer from XXXX and the way this company works does not fall under the WA state fair debt collection. They failed to give me proper notifications. Had they sent an email or letter about payment issue as I checked my bank and have no declined transactions from the times they claim. Now a new company that has it wants {$1200.00} down and XXXX a month. My payments to ARS where {$150.00} as I support my wife and daughter. As you can see now I either have to come up with that or settle for {$26000.00}. Both of which I can not do because of my income. Hopefully I can work something out with this other company. ARS really did nothing to notify me about any issue with my account and could care less when I was asking questions to clarify what happened on there end. Agian no letter, missed calls or voicemail left on my phone which is the proper way to notify. I have always been willing to work with them until they did this. The person I spoke to from ARS about this said they have multiple numbers they call from so she couldn't give me a specific number. I have two of probably a dozen numbers they have so it's already hard to contact them with the correct number let alone department. Extremely unprofessional and agressive. I had planned to settle the debt with ARS solutions at the end of the year but now I'm starting over agian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax discovered a hack into their poorly secured website that allowed the release of my personal financial information on XXXX XXXX, XXXX. They did not announce the discovery of this hack until XXXX XXXX, XXXX. 

My information along with over 148,000,000 million others ' information is now vulnerable to identify theft. This is utterly ridiculous that such valuable information is in control of an incompetent company. 
Equifax execs also offloaded over {>= $1,000,000} in stocks before making this announcing, basically profiting off consumer misfortune.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.
Product: Money transfer, virtual currency, or money service

Good morning. 
I recently tried to buy something from a friend from an advertisement on XXXX. I used my Venmo account to buy the said item. My friend said she was going to use her XXXX  Venmo account since she did not have Venmo. I sent the money. My friends account was hacked and I sent the money to the person below. I filed a dispute and was denied. I will be filing complaints, a police report and contacting an attorney. 


Thank you for your time. 
XXXX XXXX Sent from my XXXX
Product: Vehicle loan or lease

I am the victim of identity theft. The thief opened 3 auto loans in my name. I contacted all 3 banks and informed them of the fraudulent charges. 2 out of the 3 banks resolved my issue within 3 months. This last bank I have been contacting for over 2 years. I call the companies customer service phone number, and I am told to fax my documentation to them. I have, multiple times. Each time I call, I get a different representative who claims they don't have my information. I finally reached out to the management team, and XXXX XXXX told me to contact XXXX XXXX. I did on XX/XX/2019 and submitted my documentation to him, and was told their legal team will review my documentation.I have not heard anything back, and each time I have reached out to XXXX to get an update about my case, I am told " The legal team is still working your case ''. We are approaching 8 months without any information on what is going on with my case. XXXX XXXX XXXX ( XXXX XXXX XXXX ) resolved my fraud case within 2 weeks. XXXX XXXX XXXX XXXX did it within 3 months ( After filing a complaint against them ). I feel I have been patient with Westlake Financial Services, and have gotten no results.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card was opened in XXXX 2022 it had a credit limit of {$2000.00} and I did not open a credit card with this company. I now have a balance on my report in the amount of {$1100.00} of which is fraudulent. I have reached out to a lawyers office for counsel in this matter. I am hoping that I will be able to handle this matter myself without retaining counsel and this fraudulent information removed from all three credit bureaus. This is impacting my credit badly. I have filed a report with the FTC online about this matter.
Product: Checking or savings account

On XX/XX/2023, someone, without my authorization, withdrew {$1400.00} from my ChaseBank checking account, twice, totaling {$2800.00}. In addition, I was charged with a fee of {$40.00}, twice, totalling {$80.00}. 
There was also an unauthorized money transfer of {$4000.00} from my savings into my checking account, prior to the two withdraws mentioned above. 

My account was subsequently locked but I was not notified. 

I had no idea there were unauthorized accesses to my account and therefore did not log into my account until XX/XX/2023, by which I realized my account was locked. 

Upon contacting chase, they informed me my account was locked due to possible fraudulent activities being detected. This was when I first discovered the unauthorized withdraws. I filed a fraud case with Chase bank and a week later, heard nothing. On XX/XX/2023, I called chase again and was told my case was closed because I filed the fraud complaint past their 90 day deadline. 

I got a lawyer to send a demand letter in XXXX of XXXX and got XXXX response.
Product: Debt collection

company created an illegal hard inquiry on my Experian credit bureau, admitted no debt owed to agency, refuse to remove. 
illegally obtained my personal identity info from the agency 's client forcing me to pay for a debt I do not owe, to either the agency 's client or the agency
Product: Vehicle loan or lease

I bought a car from US AUTO SALES had to replace head gasket twice then replaced motor. I had a warranty but they didn't pay. Then they added insurance to my payoff {$100.00} a month when I had my own coverage sent in proof and they didn't give me credit. When they went out of business. The new company added {$1800.00} to my payoff. Making me owe more than my payoff. Everytime I explain to westlake financial they never respond. They just want my payment. Which is {$1800.00} more. I sent them letter that US AUTO sent me stating a credit. They still say I owe that much more. My car should be paid off in XX/XX/2024. But they will never call me back to discuss this situation
Product: Debt collection

Columbia took the receivable of XXXX XXXX from XXXX  with out adjusting to any city ordinance or city rent receivables. They did not adjust the accounts just reported to the credit agencies.
Product: Debt collection

I noticed debt on my credit report that wasnt mine. THIS DEBT IS A RESULT OF FRAUD. The creditor is First Tech FCU and the amount is over $ XXXX. I filed a identity theft report with the FTC and diputed this account as fraud. I notified First Tech FCU and I am now getting collection notices from XXXX XXXX  XXXX on behave of First Tech FCU.
Product: Credit card or prepaid card

On XX/XX/2022 I was approved for the American Express XXXX XXXX card. I only applied for this card as it provided 0 % APR for 15 months AND an option for balance transfers ( see Rate & Fee document attached ). Upon inquiring with AMEX MULTIPLE times I was given many different answers 1. AMEX doesnt do ANY balance transfers ( yet theres a balance transfer section when looking for new credit cards on the AMEX website ) 2. You can transfer your balance from another AMEX, but outside transfers arent allowed 3. The XXXX XXXX card allows balance transfers. I could do a lateral change to that card, but it wouldnt be a new account so I wouldnt have a balance transfer promotion. 

I can not believe how uninformed the AMEX staff is. I also agreed to documents stating I could do a balance transfer for a 3 % or {$5.00} fee. 

Now Im stuck with a new credit line and inquiry on my credit report thats rendering me USELESS.