23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

1. My address has no apartment # XXXX XXXX XXXX is all. 
2. I have never resided in XXXX, NJ. Please remove this. It was ex husband 's address who has been deceased for 14 years. 
Thank you for your attention to these corrections. 

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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b XXXX  and Equifax are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) XXXX and Equifax 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$21000.00} from Addition Financial Consumer listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Bank account or service

XX/XX/XXXX : Citibank promised me a {$400.00} bonus for opening a checking account. 
XX/XX/XXXX : Citibank reneged on this promise. 
XX/XX/XXXX : I filed a complaint XXXX with CFPB. 
XX/XX/XXXX : Citibank promised to pay bonus on or around XX/XX/XXXX. 
XX/XX/XXXX : Citibank again reneges on promise. 
XX/XX/XXXX : I filed a complaint XXXX with CFPB XX/XX/XXXX : Citibank promised to pay bonus in 48 HOURS and left contact number XXXX XX/XX/XXXX : After waiting 12 days, still no promised bonus. Voicemail messages to given number go unanswered XX/XX/XXXX : I filed complaint XXXX with CFPB XX/XX/XXXX : Citibank responds they need me to send them XXXX, despite fact they have my SSN and have issued XXXX XXXX XX/XX/XXXX : I mail Citibank IRS Form XXXX as requested XX/XX/XXXX : I logged 7th unanswered voicemail left at number given by Citibank XX/XX/XXXX : I logged 8th unanswered voicemail left at number given by Citibank XX/XX/XXXX : I am filing my 4th complaint on this issue.
Product: Checking or savings account

I am submitting a formal complaint regarding Capital Ones failure to deposit my direct deposit payments from my employer, as well as other incoming deposits, into my account. The bank has attributed this issue to technical difficulties, which may constitute a violation of the Electronic Funds Transfer Act ( EFTA ) due to the critical need for timely access to funds. 

This situation raises significant concerns about compliance with consumer protection laws. I kindly request your assistance in investigating this matter to ensure that my rights are upheld and that this issue is resolved promptly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
XXXX XXXXXXXX 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

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

Recognized several hard inquiries that arent mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX continues to report interest charges on a closed case. This negative remark does not meet legal requirements for credit reporting. 

I sent a letter on XX/XX/2020 by certified mail in which they received, yet, did not remove the derogatory mark, hindering my ability to maintain a proper score.

Listed below is a description of the items that indicate that this derogatory mark should have never been on from my credit report in the first place : 1. The account status is unavailable with no usage, balance, or monthly payment.

2. It is labeled that there is no past due amount.

3. It says the debt included in or discharge through Bankruptcy XXXX, XXXX, or XXXX. 

They have not followed the law according to The Fair Credit Reporting Act. They have refused to remove my remark and continue to ruin my credit report.
Product: Credit reporting or other personal consumer reports

FCRA Violations Not mine not my credit cards XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status Account charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$8000.00} Status Account charged off. {$8000.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family not my phone number ( XXXX ) XXXX ( XXXX ) XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

This company has violated multiple FDCPA violations. I have sent this company the list of violations they committed, a affidavit of truth along with a invoice to be paid by this company by check and sent to my address. According to 15 USC 1692k ( A ) it states " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 
This company is causing me distress and I demand this company to pay the attached invoice and stop reporting inaccurate and unverifiable information to my credit report.
Product: Credit reporting or other personal consumer reports

I would like to follow up and formally express my continued frustration and disappointment with the unresolved issue of fraudulent items on my credit report, despite my several attempt to rectify the situation. Despite providing comprehensive evidence and following the prescribed procedures diligently, the fraudulent items persist on my report. This ongoing issue not only undermines my financial credibility but also reflects negatively on the accuracy and integrity of the credit reporting system. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. I have previously submitted all necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : The persistence of these inaccuracies is causing significant stress and has a detrimental impact on my financial stability. I request that you would help me conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter and to receive written confirmation once the corrections have been made. Please help me remove these items immediately : 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, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT and regularly monitor my credit reports. I recently viewed my credit report and viewed a hard hit inquiry from " Chrysler Capital '' that I don't recall authorizing. I have tried several times ( last time- yesterday ) by calling Chrysler Capital and unfortunately they did not want to resolve this matter informally. I requested for them to provide me the credit application that is dated and with my signature that confirms that the hard hit inquiry was done with my permission & for a permissible purpose. Each time the representative said they would be unable to do that. 

Date of inquiry : XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to the credit bureaus to investigate errors on my credit report. They were supposed to respond with the results within 30 days. Its been over 45 days, and I have yet to receive a response from Equifax or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 i did not give any written instructions XXXXXXXX XXXX XXXX account number is XXXX ..... 

transunion states account balance is {$3500.00} XXXX  states balance is {$3500.00} transunion states balance is {$0.00} date opened transunion states XX/XX/2017 inaccurate XXXX states XX/XX/2017 XXXX  states XX/XX/2017
Product: Debt collection

Hunter Warfield refuses to provide proof of debt Hunter Warfield NEVER sent notice of debt This debt was never even reported to the credit agencies so how valid can this debt be? 

Hunter Warfield refuses to provide an explanation of debt and the date it was incurred Hunter Warfield used strong arm tactics to prevent me from being approved for an apartment in which I need to live. Hunter Warfield 's tactics are illegal and have caused me to be homeless at this time. 

The balance was paid by my father so I can have an apartment and there is still no resolution to this problem.
Product: Debt collection

GM Financial is harassing me. I have had 3 leased vehicles with GM Financial in the last 10 years. I turned in my last leased vehicle, a XXXX XXXX XXXX, in XX/XX/XXXX. It was under the mileage, no excess wear and tear, and the lease payments were made in full. That was ten ( 10 ) months ago. I did not go into a new lease and instead purchased a  used vehicle. One week ago I started getting several calls a day from GM financial on my work cell phone claiming I owed {$460.00}. I have not received a bill from GM Financial. Because I turned the vehicle in 10 months ago, it was a shock to me I was getting calls from them claiming I owe them money. I didn't even know my account number to verify with them or to ask any questions about what in the world I owed {$460.00} for because I haven't had the vehicle in almost a year and I knew it was paid off in full. On XX/XX/XXXX, I finally located an old account statement which gave me my account number and I was able to call them back and get information. The woman then told me it was for a lease disposition fee that was in my contract. Why in the world they waited 10 months to charge this fee to me, is beyond me. I asked them to please re-send the bill to my house as I can't pay it because I haven't seen it. The woman assured me she would re-send ( mail ) the bill. She told me it would take 7-10 days for me to receive it and the collection calls would stop in the mean time. Today, XX/XX/XXXX at XXXX EST I received another call from them. I didn't answer because I was on another call but I did call back at XXXX and re-explained, I do not have a bill. I will not pay this bill until I see it. I asked again to have the bill re-sent to me and I asked them to stop calling me. This is harassment at this point. They are calling me several time a day. They haven't sent me a bill. This is insane. My account number with them is XXXX. Name : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : - Creditor/Company Name : XXXX  - Account Number : XXXX - Inaccurate Information : - The Equifax report XXXX the account as having " 0 months ( terms ), '' which is inconsistent with XXXX and XXXX, which correctly report " 120 months ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in XXXX or Equifax reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in Equifax, whereas XXXX and XXXX correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by Equifax, while XXXX and XXXX accurately list it as " XX/XX/year>. '' - XXXX includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both XXXX and Equifax.
Product: Debt collection

I am submitting this complaint regarding an erroneous entry placed on my credit report by Wakefield and Associates. On XX/XX/XXXX, Wakefield and Associates added an account to my credit report that does not belong to me. This account is linked to XXXX XXXX XXXX XXXX XXXX, and I believe it is the result of identity theft. On XX/XX/XXXX, I was notified that my Social Security number had been compromised due to a data breach and subsequently discovered that it was available on the Dark Web as early as XX/XX/XXXX. Following this notification, I carefully reviewed my credit report and discovered the erroneous entry. To address the matter, I filed a dispute directly with Wakefield and Associates on XX/XX/XXXX. I provided them with an explanation that my Social Security number had been compromised, and I informed them that this account does not belong to me. Despite these efforts, the company declined to remove the incorrect information from my credit report. For further context, I have documented evidence of several breaches and Dark Web disclosures involving my Social Security number over the past year : XX/XX/XXXX : Data breach - Social Security number XX/XX/XXXX : Dark Web - Social Security number XX/XX/XXXX : Data breach - Social Security number XX/XX/XXXX : Dark Web - Social Security number XX/XX/XXXX : Dark Web activity found These breaches and Dark Web activities directly contributed to this identity theft issue. I am requesting your assistance in addressing this matter with Wakefield and Associates to have the erroneous information removed from my credit report. This situation has caused me significant stress, and I need this resolved promptly to protect my credit standing. Thank you for your time and assistance in this matter. Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2019 I took a vehicle on load financed by Huntington Bank. I took the vehicle from XXXX XXXX which was defected and the condition of the vehicle was not disclosed by the Salesperson. 

The vehicle become inoperable in less than XXXX hours and was later towed to the dealership location. I was made to get a bad vehicle for about {$16000.00} under deception ; the vehicle was returned the same day. The vehicle was later auctioned and I am stuck with a balance of about {$4700.00} and this balance is been reported on my credit. 

The vehicle was bad and the transaction was carried out under deception. The vehicle was returned in less than XXXX hours as the problems with the vehicles were not disclosed prior to completion of the transaction. Therefore, I am requesting that the balance on the account be wipe-out. I believed I was scammed throughout the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last step before filing a lawsuit on XXXX  XXXX Transunion in the XXXX of Virginia. 
Multiple disputed all documented XXXX  XXXX Transunion failed to follow procedure when processing a dispute. They've complete disputes early without actually verify if the information was correct. I've been denied credit cards and loans for this misinformation. It has cause me great stress in my life trying acquire new credit. The information is simply not correct and needs to be corrected or removed. No one should have information being reported differently on all credit reports from the same creditor. When a consumers credit is pulled they are pulling all 3 credit reports and if things don't match up then you may have a problem. For years XXXX  XXXX Transunion has been ruining my credit with these ploys. I've taken major steps to repair my credit and they are now a block in the way. I paid debts that were reported correctly if I owed that company and the validation is accurate. 
XX/XX/2021 Sent to XXXX XXXX Transunion a Factual Base Dispute consisting of errors placed by their company against me. Equifax refused to update the information to maximum accuracy. XXXX  XXXX Transunion accused me of using a credit repair services when I have wrote these letters by myself. I will include the 30+ letter that I have used to send XXXX  and Transunion XXXX This letter goes over every possible error that I thought I could find, that is causing great harm to my person. I've included proof behind every error. I've sent it to each credit bureau so they can all correct the errors. My intention is to pay all my debts, remove any negative nark against my name, and protect my identity. I also give Equifax and Transunion any Authorization again CFPB be my witness. I will include all copies to identify me. 1 See, e.g., 15 USC 1681e ( b ) ( requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual about whom the report relates ) ; 15 USC 1681i ( requiring a consumer reporting agency to reinvestigate upon receiving a consumer dispute ) ; 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting a furnisher from furnishing information that it knows or has reasonable cause to believe that the information is inaccurate ) ; 15 USC 1681s2 ( a ) ( 1 ) ( B ) ( prohibiting the furnishing of information where the consumer has notified the furnisher that the information is inaccurate and the information is in fact inaccurate ). https : 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and 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 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: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate account information. XXXX stated that this account is not in collections