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

I am writing to formally request the blocking and deletion of several accounts from my credit report due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are to be blocked and deleted from my records : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$31.00} XXXX. XXXX Bank Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$7200.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$340.00} XXXX. XXXX XXXX  XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$270.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$240.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$350.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$380.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$800.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$360.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$140.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Additionally, I would like to address the following inquiries on my credit report : XXXX XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2022 This account should be removed completely from my Credit Report...
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has placed UNAUTHORIZED credit inquiries on my credit report!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and XXXX disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report. completion.
Product: Debt collection

I received a call from  XXXX . They were very rude and refused to verify or validate the alleged debt and told me that they will put it on my credit and it will hurt my credit. They will not disclose the address of the agency nor will they tell me the proper name of the agency. When I call, they will not answer. And when I did speak to agents, they yelled and screamed at me and argued with me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES should not be on my report IT HAS CUSED ME TREMENDOUS MALIC WITH TRANSUNION, CAN YOU PLEASE REMOVE ASAP, MY FAMILY IS SUFFERING FROM THESE CONDITIONS
Product: Debt collection

a letter arrived in the mail. creditor is bogus. pretty sure this is a scam. debt for a car of   XXXX   addressed to a person who was born in  XXXX  the name is the correct name of my son.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX and XXXX days past due. Ive never been behind on my payment, TransUnion 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 XXXX 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 items of information contained in a my file at TransUnion 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I tried contacting the TransUnion Credit Bureau and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

The auto loan was awarded to ex wife in the divorce decree in XXXX. In XXXX the company tried to collect from me. Several disputes have been placed showing court documents stating it is not my debt. The company is using XXXX, whom told me today that court declarations do not apply to them and they will not respond to any disputes to correct it. I was even given a email to them that is no longer monitored according to the automatic response it replied with, leading me to have to resend to the correct email. 

I have been attempting to correct the debt that is negatively impacting my credit several times since XXXX. It is preventing me from obtaining a mortgage loan and I have been advised by my loan officer to follow these steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the consumer laws 15 USC 1666B states that a creditor may not treat a payment on mortgage loan account under an open end consumer credit plan as late for any purpose. 

Account # XXXX
Product: Vehicle loan or lease

I took out an auto loan that was originally with XXXX compass 7 years ago. This was an auto-draft directly from my bank account the entire loan. My loan was then taken over by PNC Bank as the company took over XXXX. 

On the final loan payment PNC Bank decided to remove my auto-draft and did not contact me regarding this at all. They then reported my last loan payment as a missed payment on my credit report. I called their support and after it took them awhile to research, they told me the auto draft was stopped by PNC Bank because the last payment must be paid manually. They never tried informing me of this matter once. I paid it immediately over the phone on XXXX XXXX 2022, the same day I got notification on my credit report. 

I have never missed any payments on any line of credit in my life and this caused my credit score to drop from the 800 's to the 720 's. I am extremely unhappy with their service and makes no sense why they would believe that I would just not pay my last payment on the loan with 7 years of payment history.
Product: Consumer Loan

I purchased a motorcycle and financed it through American credit acceptance. I just recently got my transaction history from them and have made {$1400.00} worth of payments only to find out that 70 % of my payments have gone to interest only. this is NOT what I signed up for a 70 % plus interest loan. this loan needs to be re-done and the amount I have paid in {$1400.00} need to come off the principal balance
Product: Credit card

Bloomingdale 's card - I purchased items from Bloomingdale 's online site using my bloomingdale 's card. On XX/XX/XXXX I returned the items ( they were properly received in time ), and called them to confirm receipt. During the call, they asked whether I wanted to receive gift cards or have the credit card account credited. I specifically mentioned that I did not want gift cards, and wanted the credit card account credited. Instead, they sent gift cards. I have been on no less than 7 calls with them since to get this resolved, and each time I have been told it has been resolved ( ie, the gift card cancelled and credit card account credited ). However, after each call I have continued to receive calls from Bloomingdales stating " this is an attempt to collect a debt ''. Now Bloomingdales has notified the credit reporting agencies that my account is delinquent, right as I am in the process of applying for a mortgage. I have spend no less than 10 hours on the phone with Bloomingdales to date trying to resolve what should be a simple issue. 

In addition, I have told Bloomingdales twice that I wish to register a formal complaint, but no one has taken my complaint. Therefore, I am requesting the CFPB to get involved - I need help! Most importantly, I need this removed from my credit report ASAP, so that I can continue my mortgage application process. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has turned my life upside down by stealing my identity there are fraudulent names, addresses, accounts, and worst of all an astronomical amount of inquiries I have requested that the credit bureau 's remove these fraudulent inquiries back on XX/XX/2021 and as of today they continue to report on my credit report. Fixing these issues with my credit feels like a part time job and I already have two jobs and I am a single mother of XXXX. I need the credit bureau 's to take this matter as seriously as I am. Please see the attached identity theft affidavit I have been in contact with XXXXPD in regards to the theft they are just waiting on me to bring some supporting documentation from the creditors so my report is not vague and lead to an actual investigation.
Product: Debt collection

I am writing to formally demand that Portfolio Recovery Associates ( PRA ) immediately remove the inaccurate and disputed tradeline currently appearing on my credit report in connection with XXXXXXXX XXXX ( XXXX ) PRA 's continued reporting of this tradeline is in clear violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I have disputed the validity of this debt, and PRA has failed to provide sufficient verification or documentation to support its claim. Further, this tradeline has negatively impacted my credit score and caused undue harm.

I would like to remind you that PRA has previously been involved in legal action due to similar violations of consumer rights. Specifically, the lawsuit PRA lost, PRA Holdings, LLC v. CFPB, resulted in significant penalties for unlawful debt collection practices, and it is evident that PRA is still engaging in practices that violate federal law. PRA was required to reform its business practices following this case, and it appears that those changes have not been implemented or followed in my case. 


I expect immediate removal of the erroneous tradeline from all three major credit bureaus ( XXXX, XXXX, and XXXX ). Failure to comply within 30 days will result in my taking additional legal action, which may include reporting PRA to the Federal Trade Commission ( FTC ) and initiating a lawsuit to recover damages caused by your unlawful practices. 

I trust that XXXX will take this matter seriously and rectify the situation promptly. 

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

I paid off and was assured my XXXX XXXX account was paid and closed after graduating law school and leaving my apartment in early XXXX, when my lease expired. Not only did they not credit my payment to my account, something that has happened before where they credited another persons account with my money, but they continued to charge me for the weeks of XXXX after my lease ended, and even for XXXX and XXXX. Then without even a single written notice or indication that they were submitting this to a debt collection company, and no possible way for me to expect it considering I paid these XXXX, suddenly my credit score drops from XXXX to XXXX. I find this out applying for a credit card, look at my credit score, and cant believe my eyes. They are billing me when its physically impossible for me to be utilizing the utilities provided, and they have simply taken my money and placed it somewhere it doesnt belong, kept my account open which means the new tenant and myself have accounts for the same unit in this apartment complex and XXXX is trying to double bill, and last but not least, they are reporting incorrect information and I plan to sue them if they dont expedite the process of mopping up their mess of sketchy and fraudulent activity.
Product: Vehicle loan or lease

A check for the pay-off amount was sent to Hyundai Motor Finance on XX/XX/XXXX, it was received by the company on XX/XX/XXXX and the funds were posted on XX/XX/XXXX. I called on XX/XX/XXXX to determine how long it would take for the payment to be reflected. I was advised the check could not be located. I confirmed with my financial institution the funds were released and the payment was processed by Hyundai Motor Finance. I continued to call every week at least 2 times a week for the next 2 weeks but each time I was told the check could not be located. On XX/XX/XXXX, I was told by Hyundai to file a missing payment request by fax. I went to XXXX XXXX and faxed a statement of the situation along with the front and back of the processed check. XXXX XXXX then noticed that the account number on the draft did not match my account number. I was told by Hyundai to wait 2-3 business days for the fax to be reviewed. On XX/XX/XXXX I called with a XXXX XXXX agent on the line with me. We were told that the check was located and that the situation was being researched and to wait 3-5 business days. When I called back on XX/XX/XXXX I was placed on hold for over an hour so I called back on XX/XX/XXXX. I was then told that there was not update on the missing payment and that my account was now past due and incurring late charges. When calling on XX/XX/XXXX, I was then told to wait an additional 3-5 business days for the research to be completed. Each time that I call the company I am placed on extremely long hold periods and then after waiting the line disconnects. This entire time period I am carrying 2 loans for the same vehicle and it is impacting my credit. I am not getting any assistance from Hyundai to resolve this issue and I am at a loss on how to get this resolved before it begins to severely impact my credit.
Product: Checking or savings account

My account was breached and I disputed got my money back the first time. A day later I get breached again this time have to wait until the process is done so I can dispute again but it's like my money and account Is being used and the bank says it's " investing it '' if I'm in a states away from this transaction why approve it at all without my consent?. Why just approve anything even if it's a crime that my money is being stolen they are letting them take it anyways with no remorse.
Product: Money transfer, virtual currency, or money service

I'm unable to do nessesary changes ont the money send to a recipient to have changes to a different recipient. 
Contact remitly with issues and still unable to be resolved.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and XXXX. Please delete the following accounts XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

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