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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX, TX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear [ Name of credit reporting company : XXXX or XXXX or XXXX ], I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report : TOYOTAFINANCIAL SER Dispute 1 [ The following examples are meant to be helpful, include all disputes that apply ] Account Number or other information to identify account : [ Insert account number or other information, such as account holder names and past addresses. This is especially important if you have had multiple accounts with the same company. ] Source of dispute information : [ Insert the name of the company, such as the bank, that provided the information to the credit reporting company. ] Type of disputed information : [ Insert category of disputed information such as public records information, unknown credit account/tradeline, inquiry, etc. ] Dates associated with item being disputed : [ Insert the date that appears on your report. This helps ensure that the correct account is identified by the company and to identify which aspects of the report are being disputed. You can still file a dispute if you dont have this date. ] Explanation of item being disputed : [ Insert details about why you think the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 
The report shows I owed money to the company that I have already repaid. [ Give details about when you paid, and attach a copy of any proof that you have. ] The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. [ Include account history or other information that shows the on time payments. ] Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Other [ Describe what is wrong with the report and include copies of any additional supporting documentation that you have. ] Dispute 2 [ Continue numbering for each disputed item on your report and include the same information. ] [ Include the following sentence if you are including a copy of your credit report or other supporting documentation. I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 
Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. XXXX XXXX XXXXXXXX Date XXXX Balance : {$0.00}. Also I am disputing XXXX XXXXXXXX Open Date XXXX XXXX XXXX Balance {$1200.00} account, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b . See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/XXXX, to discuss removal of unauthorized inquiries on my Equifax credit report. The representative was rude and unable to correct the problem. The following inquiries need immediate removal from my Equifax credit report : XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX FL MAIL CODE : XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CRED DATE FILED XX/XX/XXXX XXXX XXXX DATE FILED XX/XX/XXXX XXXX   XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX DATE FILED XX/XX/XXXXPhone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : MIDLAND FUNDING XXXX Balance {$590.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report Today! 

XXXX  : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report Today! 

XXXX XXXX XXXX Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report Today! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
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 U.S.C. 1681. 
XXXX. XXXX  XXXX XXXX XXXX # XXXX XXXX U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 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: Debt collection

I continue to receive repeatedly phone calls all through the day from XXXX XXXX XXXX STORE CARD XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX )XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) XX/XX/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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account XXXX account name : XXXX  XXXX account XXXX Account name : XXXX XXXXXXXX account XXXX Account name XXXXXXXX XXXX XXXX account XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Debt collection

I was summoned by Portfolio recovery Agency about a year ago. I went to my court date Via XXXX. At that trial the attorney for Portfolio recovery XXXX agreed to take a recess since I was not sure as to where this debt came from and needed to look into the matter further. I gathered the information needed to prove this was not my debit and my account had been used fraudulently. It came to the date the attorney and I agreed upon to take recess to. I came to find the Portfolio recovery agency attorney had called for a motion exactly 60 days prior. I never received the notice of this. Any opportunity I had to appeal the default decision had passed since my appeal had to be entered within 60 days of the decision. Then I wrote a letter to the judge which I was told he may or may not read and accept my chance to plead my case. Never got a response. It's disgusting how these collection agency 's don't care about people or the fact that there was fraud committed just want someone to pay. I was very disappointed and hope this portfolio recovery agency is put out of business with their low life tactics and scumbag attorneys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report,
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I woke up normal time ( XXXX ) and looked outside. My XXXX XXXX was gone. I called the police and reported it stolen. This was during the time the XXXX Boys were all over the news for stealing the XXXX and XXXX cars. I filed the next day, a claim with my insurance XXXX and also email my lender, XXXX XXXX. At this time my attorney told me to not to pay on the car as it was stolen and that XXXX will be able to pay it off. I also had XXXX XXXX as well for coverage. By XXXX XXXX notified me that XXXX XXXX did not get back to them. I continued to email XXXX XXXX with no success. I also sent letters to XXXX XXXX asking them to please get ahold of XXXX. XXXX let me know the rental car I was using would expire by XX/XX/XXXX so I went to XXXX XXXX and purchased a new XXXX XXXX XXXX. My credit report was pulled and I was approved by XXXX for a new car loan. I drove the new car home on XX/XX/XXXX. Everything was great! Then on XX/XX/XXXX, on XXXX XXXX in XXXX, I was hit by a XXXX and the new car was destroyed. The insurance for the individual XXXX told me to go to XXXX for a rental car until the claim was paid for the car. I did. The rental car was good until XXXX as XXXX decided to only allow so many weeks. I went to borrow a car from a friend and used it until XX/XX/XXXX when it broke down. I was able to secure another car from a friend temporary. Why the delay? I have been dealing with health problems because of the accident. 
On XX/XX/XXXX I applied for a car/loan again with XXXX XXXX XXXX The sales person called me back and said Why is there a repo on your credit report? I told him no that car was stolen. He said the payoff looks like {$2500.00}. I said NO I had one year left and owed {$4800.00}. He said that is not what XXXX XXXX is showing. I email XXXX XXXX and AGAIN, they refuse to answer. 
I called my attorney and he said facts are simple : If they did repo the car, why did not my credit report show it back the end of XXXX? Second, I was NOT given the right to cure the alleged default. Third, I was not given the right to retrieve my personal belongings. If this is true, my rights were definitely violated. 
It is so hard now to get a loan. I hope no one else has to deal with this situation. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX AND ANOTHER ONE WITH THE ACCOUNT NAME : XXXX  XXXX ; ACCOUNT NUMBER : XXXX OPENED : XXXX. XXXX, XXXX This account has resulted in several fraudulent hard inquiries INQUIRY NAME : XXXX FORS INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX INQUIRY NAME : XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX. XXXX INQUIRY NAME : XXXX INQUIRY DATE : XXXX XXXX, XXXX and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

a month ago, 4 fraudulent accounts appeared on my account as late payments. The company is called Affirm pay now pay later. I called the company to identify the accounts but the company refused due to there being a different number and address on the account. These accounts were made fraudulently and these accounts are ruining my credit. please help.
Product: Mortgage

XXXX XXXX/UWM took over my loan and I did not know this for XXXX years. Then They got cybercrime hacked and my personal data was compromised. I would like to switch loan servicers, because they have been hacked now XXXX times affecting me and XXXX other customers.
Product: Consumer Loan

I became ill in a few years ago and had to take off work. Eventually, I had to file for bankruptcy by XXXX XXXX. PRA Receivables Management , LLC aka " Portfolio Recovery Associates , LLC was XXXX of my creditors to file a claim for payment. This payment was for an automobile, XXXX Chrysler Pacifica. The scheduled amount of the vehicle was {$15000.00}. The collateral value was {$9000.00}. This amount was satisfied through the bankruptcy by XXXX XXXX, XXXX including the interest amount of {$530.00}. The total sum of {$9.00}, XXXX. Additionally, this company filed for an unsecured payment of {$7.00}. In which, I have paid {$2700.00} of the unsecured amount. 

Last week, I decided to voluntarily dismiss my bankruptcy case and was advised to call the collection agency ( Portfolio Recovery Associates , LLC ) to request my vehicle title because the amount of collateral value for the vehicle had been satisfied. I spoke with XXXX young men. The XXXX person I spoke with was named XXXX and the XXXX person 's name was XXXX. 

I asked if i could obtain my vehicle title ...? He stated that " if I decided to dismiss my bankruptcy case I would still have to pay the unsecured debt or they would come and repossess my vehicle without any warning. '' Furthermore, I explained to XXXX that the vehicle had been involved in an accident from some guys robbing a jewelry store and fleeing from the police. They had been caught, but had no means to repair my vehicle. I was not willing to charge the damage to my insurance company because it would cause my monthly insurance payments to increase. I also told him that the vehicle had been inoperable most of the time over the last four years. He stated that the value of the vehicle was not much due to the condition and other circumstances that involved the body of the automobile. Nevertheless, he was adamant about me paying more money although the vehicle was not worth what the company was asking me to continue paying. I explained that I was not satisfied with his explanation and wanted to escalate my call to his superior. 

A man named XXXX came on the line and basically stated the same thing, but worded his remarks a little differently. Again, I expressed my lack of satisfaction in dealing this company trying to retrieve my vehicle title. I explained to XXXX that I did not think I would get any resolve by trying to directly communicate with management of this business and I was going to seek outside intervention to assist me in resolving my dilemma.
Product: Credit card

I bought furniture at XXXX XXXX using a Synchrony credit card on XX/XX/XXXX. This was described to me in the store as a 24 month loan with 0 % interest. It was actually a store credit card loan with a 24 month promotional 0 % interest rate. I made on time payments for 24 months believing that the balance would be paid off at the end of the 24 months. 

Towards the end of the promotional period of the loan, my XXXX XXXX XXXX XXXX XXXXXXXX, and this was stressful for my family. In part because of this, I did not realize that the promotion was expiring and that I could be charged a huge interest fee. 

On the XX/XX/XXXX Statement, an interest charge of {$2600.00} was added to the account. I realized this had happened after the next statement on XX/XX/XXXX. When I called Synchrony on XX/XX/XXXX to ask permission to only pay the original amount of the loan and receive grace for the added interest, they declined, saying that they could do nothing for me after so much time had passed. 

I decided to pay the full amount of the loan including the interest accrued over the 24 months in order to stop the 35 % interest rate accumulating, but I do not think this is a fair outcome. I would have been more than willing to pay off the full amount had I realized that the promotion was expiring. I do not think that the loan was described in an open and honest way at the furniture, and I believe that the terms of the loan are confusing and designed to cause consumers to pay a surprise, enormous interest fee.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, in ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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.

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 inructions 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.

These are the inquiries which should be off from report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

To whom it may concern : A certified mail debt validation letter for two accounts was delivered to PORTFOLIO RECOVERY ASSOCIATES on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. PORTFOLIO responded in general statements, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX investigated the debt to be inaccurate and deleted PORTFOLIO. XXXX and XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.