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

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 Balance : {$7500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute Description for CFPB Complaint XXXX Collections Account ( Account # XXXX ) I am formally disputing the collections account reported by XXXX, account number XXXX. This account has been previously disputed, yet it remains on my credit report despite the lack of proper validation. I am requesting immediate removal of this account in accordance with my rights under federal consumer protection laws. 
Legal Basis for Dispute & Removal Request : 1.Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Under this statute, furnishers of information ( such as XXXX ) are required to conduct a reasonable investigation when an account is disputed. Since this account has already been disputed, I demand proof that a legitimate and thorough investigation was conducted. 
If XXXX can not provide sufficient evidence of the debts validity, the account must be removed immediately.

2.Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) Debt collectors must provide verification of the debt upon request. If XXXX  or its assigned collection agency failed to provide accurate validation, this account should be deemed invalid and removed.

3.Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). If XXXX  has continued to report this account without proper validation, it violates consumer rights under federal law.

Request for Immediate Action : Due to the repeated failure to validate and the continued harm this account is causing, I am demanding the immediate deletion of this account from my credit report. If this issue is not resolved promptly, I am prepared to escalate my complaint through legal avenues, including further regulatory action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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 Accounts that are reporting inaccurate information : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 15 U.S. Code 1681 section 602 states I have the right to privacy. I am requesting that all late payments, which are transactions or experiences, be removed IMMEDIATELY from my consumer report, pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - Definitions ; rules of construction, which states the term " consumer report '' does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX Credit card, all three reporting Bureaus are reporting for the month of XXXX as " Over 30 Days ''. I have repeatedly disputed this information including my statement showing that the payment was made before being 30 days late. They refuse to perform an adequate " Re-Investigation '' on this false/inaccurate reporting or provide me with the steps they took during this investigation. 
I have attached yet another letter with my statement to ALL 3 major credit reporting agencies without any response with the exception of " Verified ''. Please see attached documentation and proof.
Product: Debt collection

I have received several call from Summit Receivables. They tell me this is my final notice before they submit my file for pre-legal action or statements of a similar nature. I have explained many times that the dates they said I received a loan and the amounts do not match and I asked for verification. They repeatedly tell me I already have that information and do not acknowledge my request. They tell me there are additional fees and interest that have been added to the debt but refuse to tell me how much and who is charging it. I keep asking for more information and they ignore me completely or say to contact the original creditor XXXX  myself. I have tried that several times but have difficulty getting through. I want a broken down invoice stating what I owe and why. They have never sent that to me. I have had this removed from my credit report before. Please have them stop contacting me if they do not intend to verify the debt that has already been removed from my credit history. They call me from XXXX.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { ALL OF THESE INQUIRES WERE FRAUDULENTLY ADDED TO MY CREDIT REPORT AND NEED TO BE REMOVED ; TRANSUNION : XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked them to investigate my credit report and validate the information that they are reporting on XX/XX/2022. I sent a 30 day to comply on XX/XX/2022 and it is now XX/XX/XXXX and I have yet to hear anything about the investigation.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

DELETE ALL CREDIT INQUIRY 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

Vital recovery services has called and texted me multiple times per day including early mornings on weekends. Service rep refuses to describe what debt is owed and in what amount. I check my credit reports regularly and I have no outstanding debts and am not in collections status with any financial service or vendor. These attempts to collect a debt are fraudulent and meet the legal definition of harassment in addition to violating several statutes of the consumer protection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two late payments on both of my student loan accounts. 

I also have a close Wells Fargo secure credit card account that is charged off and its still on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX. On XX/XX/2021 I confronted a person I was dating about some fraudulent activity I seen on my accounts through my phone when I allowed him to use my phone while I worked the one in particular that I noticed was on my MONEYLION account. I have my check being split into three different accounts at the time and {$250.00} of it's went into the Moneylion account. That turned out to be a very bad day because it turned out to be a XX/XX/XXXXXXXX incident and I had to file a police report in that police report I included the fraudulent activity I noticed on this account. I called Monday lion this past Saturday and I asked them via chat what I needed to do to open up that account or get access to my funds she said I was to send a copy of an unexpired government state issued ID as well as proof of residency address that is within 60 days I sent three different documents and I sent that on Saturday and I specifically asked her and I will send the screenshot to you how long will it take if I was to send an email to the documents today meaning Saturday she said 24 to 48 hours It also says this when you call them and you get transferred to them to give it two days this was on the XXXX that it happened XXXX XXXX today I have not heard nothing and I keep getting the runaround I have saved all of my chats with this company nobody 's giving me an answer I provided everything they needed everything they asked for I've offered the police report they haven't asked for that yet and I can not get an answer in them to release my account I just want my funds. Also you can not reach retention any other way but via email and you do not get responses via email I had to chat three times as well as call two times and still was refused any kind of access to them other than email and I was told it's being escalated three times. According to theXX/XX/XXXXsite they have quite an issue with presenting the way they do things one way in doing something completely different and I didn't even realize this and should have checked beforehand.Also that they freeze the money whenever they suspect fraud and they complete payments and they don't allow nothing else to happen to protect the funds but at the same time {$250.00} went in from work and I have two {$210.00} left because they they have taken out their money for their fees as well as they let another bill go through via XXXX.
Product: Vehicle loan or lease

I leased a 2021 XXXX XXXX from XXXX XXXX in XXXX, IL XXXX of 2021. XXXX XXXX approved the loan. The finance manager stated I had an option to lease or finance, but both options were for the same monthly dollar amount which was {$990.00}. After my down payment of {$7000.00}. I thought when you lease the monthly payment is less vs. financing but XXXX ( the finance manager ) told me that wasn't true. I took out a 48 month lease which would bring the total payments to {$54000.00} ( according to the paperwork from the dealership ). Furthermore, if I chose to purchase the vehicle when the lease is over I'll owe {$21000.00}. So I would be paying a total of {$68000.00} for a {$46000.00} vehicle. Also, the loan is in my name as well as my company 's name. I want to file a complaint for predatory lending against XXXX XXXX as well as XXXX XXXX.
Product: Mortgage

I recently experienced hail damage on my roof in XXXX when a storm came through XXXX. I filed a claim with XXXX XXXX on XX/XX/XXXX. After the adjuster came to the house a final report was completed and a check was issued and mailed to me. Per my instructions, I forwarded the check in the amount of {$6100.00} to my 2nd lien holder ( XXXX XXXX ) for endorsement after a couple of weeks of waiting, I called in to check status and was told that my mortgage had been service transferred to Bank of America ( "  BOA '' ) and that they had forward the check to them for endorsement. After waiting a couple weeks for the transfer to take place I started calling BOA to check status. Day after day, week after week, they continue to tell me that they were still receiving mail from XXXX and that they had n't received the check. After two months of waiting, BOA advised that it appeared the check was lost and that I should have XXXX reissue a new check. As such, I contacted XXXX and they put a stop check on the original check and reissued a new check. On or about XX/XX/XXXX, I received the new check and sent it overnight directly to BOA for endorsement per their instructions. I followed up a week later to check the status of the check, and was advised it was still in processing being endorsed and it should be completed within 2-3 business days. On or about XX/XX/XXXX I followed up a week later and was told the proceeds had been wired to XXXX, my 1st lien lender. So I called XXXX, and was told they had not receive any proceeds and that they did n't even accept wires. I called back into BOA, each time holding anywhere from 10-30 minutes for a representative. This time, I reached XXXX ( ID XXXX ) who advised that a check had been sent regular mail to XXXX on XX/XX/XXXX and I should give it 5 business days to arrive. After waiting a week, I called XXXX, and of course they had not received it. I called again a few days, later, still no luck. Finally, today on XX/XX/XXXX, after calling both companies twice to check status, I finally got XXXX ( ID XXXX ) at BOA to do more research and tell me that they had sent the check via XXXX on XX/XX/XXXX to XXXX. I confirmed the tracking number online and confirmed that XXXX XXXX of XXXX had signed for the package. It has been almost three months since the first check was issued, I still have no proceeds, I have had to reschedule the roofers twice, I have sustained additional damage to my interior due to holes in my roof and the subsequent rain storms that are now not accounted for in the adjusters report. I am beyond frustrated and desperate to get this resolved, but have no way to get any help and each servicer just keeps pointing the finger at the other. I have no other ideas other than to ask the CFPB for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening : The information concerning the Pioneer/Mid Country Bank loan ( # XXXX ) that is on my credit file with the three credit bureaus *is* being reported correctly/fairly to XXXX.
However, the information *is not* being reported correctly by Pioneer/MCB to both XXXX and XXXX.
Pioneer indicated that I must file a dispute with the credit bureaus to have information on my credit file corrected. I have already filed disputes with both XXXX and XXXX. However, as of XXXX XXXX, 2017, the results of each of their investigations claims that the information is being reported correctly to their respective companies by Pioneer/MCB. The information being reported to XXXX and XXXX is not correct. I have attached supporting documentation that shows the inaccuracies in my credit reports as of XXXX XXXX, 2017, along with proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ran my credit when applying for a autoload and was told that I was not approved due to negative accounts on my credit. When closely examining my report I noticed several accounts that I have never been associated with and never gave permission to run my credit. Someone has done identity theft on me and now my whole credit rating is ruined. The accounts list as follows XXXX XXXX   XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Us dept of vet affairs, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Chime continued to remain out of compliance with each denial to my dispute. It is clear in which through out the documentation and paper trail ( emails ), that both Chime and I hold, it clearly shows them breaking law, rules and regulation. Chime violated the Electronic Funds Transfer Act, as it pertains to how they handled and replied to my disputes. The company shut down all of my accounts, without notice or reason. I violated no terms or conditions, and they can not provide not XXXX reason why! I will be looking into a class action lawsuit for resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 card

Purchased a XXXX from XXXX ( Comenity Bank ) {$43.00} on XX/XX/year>, returned XXXX on XX/XX/year> but was only credited {$42.00}. Last statement I received from them was {$43.00} balance due XX/XX/year>. Received a call XX/XX/year> about a past due balance on my account ( surprised because I have not received any statements from them ) and they are showing a {$63.00} balance. When I checked the account online is when I discovered they only credited me the {$42.00} leaving a XXXX cent balance. When I called Comenity Bank to explain and that I was wrongly charged the following : XX/XX/year> Late Fee {$30.00} XX/XX/year> Interest {$1.00} XX/XX/year> Late Fee {$31.00} XX/XX/year> Interest {$1.00} First, I was hung up on twice, then I requested to speak to a supervisor. She told me that unfortunately she could only remove XXXX late fee and that she would transfer to someone higher to see if they could remove the other late fee. Transferred to higher supervisor and again I was told only XXXX late fee for {$31.00} and interest for {$2.00} could be removed and that I would need to pay the {$30.00}. When I told her I would not pay {$30.00} because this should have been a XXXX balance when I returned the item on XX/XX/year> and because they credited me XXXX cent short. She informed me I would need to pay the {$30.00} late fee or it will cause additional late fees and interest. She said I could call the Sales Department to see why they shorted the return for {$.00} ( XXXX ). When I called this number provided they informed me they could not help with that or the late fees and I would need to contact Comenity Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a quote for car insurance and the attached document show why my car insurance quote is so expensive. Five years ago, I had an accident and was told I did not have full coverage which is incorrect. I always have full coverage on all of my vehicles. I am still trying to locate the hard copy because I told USAA several times that a mistake was made but no one ever got back to me. I told USAA at least 8 times a mistake was made, so I ended up paying out of pocket for that accident. Now looking at the attached document there seems to be duplicate claims listed on my XXXX consumer report. I am so frustrated with USAA and I believe because of their errors on my report I have been overpaying for my car insurance.
Product: Checking or savings account

I opened an account with us bank. A few days later I get a call from a man named XXXX. From the fraud protection department he was accusing me of attempting to fraud the bank. He then told me the accounts will be closed. I still haven't receive the money from the account XXXX put a hold on the account and he's the only one that could lift the hold they say. He never returns any of my calls. All I want is my money in the account
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am XXXX. As I'm trying to buy a house, I noticed inaccuracies in my credit report due to identity theft. All my personal information, name, social, and dob were exposed in the Equifax and the Louisiana DMV Data Breach as I was affected as a Louisiana resident. I'm a XXXX XXXX with a XXXX, and I'm trying my best to read and keep up with my credit report. I have no knowledge of the accounts or inquiries. They are a result of identity theft. I need my credit report to reflect accurately. ftc report enclosed. 


* Identity theft inquires reporting inaccurate XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XXXX  XX/XX/year> XXXX Account XXXX *fraud account reporting inaccurate XXXX Account XXXX