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

Subject : Request restoration credit score To Whom it May Concern, On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX Dealer, on XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX for amount of {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at 50 miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for one month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX, XXXX, within 9 days of purchase. I cancelled the insurance ( XXXX ). As XXXX Car Dealer gave me the XXXX license plate, XXXX Car Dealer told me they will return the license plate to XXXX. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to XXXX New York. 
In a letter dated XX/XX/XXXX, Addressed to me XXXX XXXX has the vehicle. I want my credit scores restored because it has hurt me. I had a credit score of XXXX to XXXX, XXXX points to XXXX and XXXX points to Equifax. There's inaccurate information on my credit report. I don't have late or missing payments, I paid my bills always on time. I keep my credit utilization ratio below 1 %. My credit limit has not decreased. I don't apply for credit cards. I have no derogatory mark on my credit reports. Why did my credit score drop? Seeing my credit score drop it May cause me some anxiety. It's for this reason I take this action to get my scores back up. I demand these inaccurate information be corrected immediately for ligation due to the stress you cause me. 

I am writing to you to dispute all these remarks of correcting a mistake on my credit reports from all my explanations given, I am required to investigate on my dispute. Because there is a mistake on my credit reports from XXXX XXXX which caused all these damages on credit score.
Product: Consumer Loan

This is in regards to the company Regional Finance XXXX, and I believe the parent company is Regional Management. Neither me or my information was ever used in this loan being taken out. This goes well beyond a typical identity theft situation were at least information was taken and verified before the loaner would file it against your name. This company used the mere fact that a USPS mailed, to the wrong address by the way, check was cashed with my name on it as justification to the verification of my identity. There was a contract as part of the endorsement that had a line labeled drivers license number, this information was simply filled out with bogus wrong information that was never verified by this company. This company has also played the run around game with me about how to get this resolved as well but this complaint is to the nature that I, as a consumer, was negatively effected by this practice and there was n't even the protection of verifying my identifying information before this was placed against my name. HOW CAN I BE THE VICTIM OF IDENTITY THEFT IF MY IDENTITY WAS NEVER STOLEN! This should be fraud by this company.
Product: Credit card

i called my bank capital one regarding my concerns about some charges that i did not committed. I told them my story but i feel like they're using it against me or we are not understanding each other but all the information that im getting is that they said they have enough evidence to determine that i was the one responsible for the charges. basically they want me to do my own investigation hire an attorney and go get videos of the gas stations and groceries stores when i dont got time or money to do all of that. and i think the main reason that they think i did it was because i told them i made one of those transaction and them i called them telling them that i havent because in one them it saids transaction for XXXX but i didnt made it i went to XXXX  that day and i made a payment with my other credit card XXXX XXXX and i got proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and   XXXX   XXXX   XXXX   seem to be  XXXX  company but have done hard inquiries, through our request for a home loan through  XXXX , have made  XXXX  inquiries on my credit reports ( all  XXXX  bureaus ) and  XXXX  on each of my husbands reports ( all  XXXX  bureaus ). They made the inquiries in  XXXX  and  XXXX . Although the company says hard inquiries within 1 month count as  XXXX  inquiry, I have found the time limit is 14 days. We only authorized   XXXX   to pull our credit report  one ti me. Shortly after contacting  XXXX , we recd a denial letter because our credit was n't strong enough. Then, there are more inquiries and lenders are saying we authorized. NOT TRUE! Why would we if we were  DENIED.  It 's bad business practice and I personally feel underhanded and probably violating laws! We now have limit of inquiries due to above company  ( s ),  that they have forced us to stop trying to buy a home and ship for mortgage companies. Each inquiry after  XXXX , within 2 years, lowers  credit score   XXXX  points!!!! We did not authorize this. We have called, written, disputes and the lenders refuse to remove the unauthorized inquiries. Again,  XXXX  and   XXXX   XXXX   XXXX   ( as listed in my and husbands credit report ) had NO authorization. We are now filing with  Consumer Protection , FTC and   XXXX   attorney general. Our resolve is any and all inquiries on my,  XXXX   XXXX , and my husband,  XXXX   XXXX , be removed from all  XXXX  credit bureaus immediately.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
I C SYSTEM ( Original Creditor : 11 ATT U VERSE ), balance is {$260.00}, and account # XXXX
Product: Debt collection

Received two statements on XX/XX/2022 -- one in the amount of {$1300.00} and the other for {$510.00} for services provided on XX/XX/2022. Owed to XXXX XXXX of XXXX. Statements from Online Information Services XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX. 
There is no such business in XXXX ; I live in XXXX XXXXXXXX XXXX 
I saw no health provider that date. 
No claims were filed on my medical insurance. 
These are total fabrications.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  is inaccurately reporting payment history and fails to provide closed account data. I have requested them to provide me with the payment history and closed date and they do not provide me with the details. They are reporting CO on mulitliple months and that is unfair credit reporting. I have asked Experian to update or remove. They do not and they do not provide me with correct information either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to notify you that I have tried to submit letters to the three credit bureaus so they can look into an account which is not reporting correctly as it is not mine. None of the credit bureaus has responded to me. I know it takes time but I submitted the letters on the XXXX  of XXXX and we are now on XX/XX/XXXX. I just feel like it's been long enough even including the time it takes for mail to arrive to Georgia, Texas, and Pennsylvania and then sent back to California. I don't know if there is a problem but I am very concerned as I submitted my social security card and a bank statement with the letters and now I am concerned somebody may have stolen the mail. If the credit bureaus did receive my disputes then can they please tell me already and send me something back. I would hate to think of what else could be happening with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, this is the second time that I had to write to the cfpb in regards to this matter that I am facing with capital one. During the hurricane capital one put me on a program to help individuals with difficulty not to have late fees on their account, and they sent me a letter putting all three accounts on the program and I accept and again there is no where in the letter that mentioned if you are late that they will report it to the bureaus and if they had clarified that I would of asked for help to pay on time but since they say that I will not have any issues so I accept to be in the program. 
I called capital one this week XXXX XXXX and spoke with a young lady that I explained to her that I am doing a va loan and it is imperative that I dont have any late payments shown in my report even though that I paid both accounts full and after those two months of XX/XX/XXXX and XX/XX/XXXX my account never late or before XX/XX/XXXX never late, so please see what you can do for me please mam to remove those two closed accounts from my file. She responded that she will call me back within an hour to investigate the account completely. Now, she did call me back and states that sir, I do show that you were on a program for the hurricane that happened in Florida in XXXX and that we can not remove the late remarks or remove the account because they have to report it so I answer her, mam, then why was I put in a program to get help from capital one during these difficult times. So basically, capital one is reporting to the public that they are helping people and yet that is not true at all, because if you read what I wrote at the beginning of my letter it clearly states that they have a program to help military individuals which I am a 100 percent total and permanent XXXX veteran. I made sure I paid in full both accounts without ever missed a payment and capital one dont have the decency to remove an account that I paid in full from my credit that is already closed. That is sad and ashamed especially when I am trying to put a roof over my families head, put yourself in my shoes president of the bank, workers of capital one, ceo of capital one put yourself in my shoes, especially when you didnt do, anything wrong. I WAS PUT IN A PROGRAM AND I NO MATTER WHAT I WAS ABLE TO REMOVE MYSELF FROM IT AND PAID IT IN FULL WITHOUT ANY LATE PAYMENTS.
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 



A. 15 U.S.C.1681 Section 602 A states I have the right to privacy.

B. 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. I did not and do not give my written instructions for these accounts to be published. 

C. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information such as adverse items of information, other than records of conventions of crimes which antedates the report by more than seven years. 

D. 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am very disappointed with XXXX and Equifax, very disappointed with Equifax and XXXX. They both know the law but acts like the illuminati with my credit report. My score was XXXX last night and dropped XXXX points in XXXX day, I feel like Im being retaliated against because I reported them for being lazy and not having the knowledge to know you dont add medical information on a credit report according to the law. Also I sent attached letters and information showing that these companies were in fact late in their response to me and as of today I still havent received one letter as per my request to send me a 1099C. Please see the additional attachments
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently discovered that my identity has been compromised, resulting in fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report this identity theft to the relevant authorities, including the Federal Trade Commission ( FTC ) and my local police department. Attached, you will find copies of my FTC identity theft reports and my police report for your records. I have also mailed a copy of these documents to XXXX and XXXX. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.
Product: Credit reporting or other personal consumer reports

Company- XXXX XXXX XXXXXXXX Ive reached out for debt validation never received anything also this debt has been written off and in North Carolina if a debt has been written off you can no longer collect or sue they have done both I would like this account removed ASAP!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VQ XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally lodge a complaint against Experian, a consumer reporting agency, for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to uphold my rights as a consumer. Despite my repeated attempts to resolve issues with my consumer report, Experian has exhibited gross negligence in handling my disputes, leading to significant distress and inconvenience. 

I submitted disputes regarding inaccurate information on my credit report. I provided all necessary documentation to support my claim, as required by the FCRA. However, rather than conducting a thorough and fair reinvestigation, Experian has continually requested additional identification and documentation, often ignoring the materials I have already supplied. This frustrating and unnecessary back-and-forth has not only delayed the resolution of my dispute but has also damaged my creditworthiness. 

According to 15 U.S.C. 1681i, Experian is obligated to conduct a " reasonable reinvestigation '' and report the results in a timely manner. Instead, they have failed to communicate effectively with the original furnishers of the disputed information and have not adhered to the mandated timelines. This pattern of behavior suggests a systemic issue within Experian 's dispute resolution process that undermines consumer rights. 

I urge the CFPB to take immediate action against Experian for their failure to comply with the FCRA. I request that you investigate this matter thoroughly and hold Experian accountable for their actions, as this is not just an isolated incident but a troubling trend that affects many consumers. 

Thank you for your attention to this serious matter. I look forward to your prompt action and response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section XXXX ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **Name : XXXX XXXX XXXX XXXX **Date of Birth : XXXX - **Social Security Number ( last four digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX **Background : ** XXXX XX/XX/XXXX, EQUIFAX deleted the following information from my credit report XXXX DELETED. This deletion was based on this item was removed from your credit report. Please review your report for the details... 
**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EQUIFAX has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that [ Name of Credit Bureau ] complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EQUIFAX regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/2022 I recognized that these companies have violated the consumer laws. 

XXXXXXXX XXXX Account Number : XXXX Amount : {$6500.00} REPORTED BY XXXX AND XXXX Amount : {$7800.00} REPORTED BY EQUIFAX XXXX Account Number : XXXX Amount {$530.00} REPORTED BY ALL XXXX CREDIT BUREAUS In accordance with the Fair Credit Reporting Act, these companies have violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has violated my consumer rights. I contacted Lexis Nexis on XX/XX/XXXX and XX/XX/XXXX informing them of the violations of my consumer rights. Lexis Nexis infringed on my right as a consumer to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Lexis Nexis did not have a permissible purpose nor did they have my written instruction as a consumer to furnish any information about me to any consumer reporting agency. On XX/XX/XXXX I received a letter from the United States Bankruptcy Court for the XXXX XXXX of New York stating they do not provide information to credit report agencies. Lexis Nexis is in violation of 15 USC 1681a ( e ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to figure out how these address on my credit that are not mine. THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE DELETE. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX, Ohio XXXX. My employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX   THESE FOLLOWING ADDRESSES ARE NOT MINE : XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company CBC from XXXX, Tn is a collection agency that has been harassing me about an unpaid amount from the XXXX XXXX XXXX XXXX bill that was supposed to have been paid by XXXX and XXXX to which I have been on since 2010. I have expressed, both to the reported agency and this collection agency, that both, XXXX and XXXX, to whom I have also sought help and inquiry of this billed amout- that their response was for this collection to be rebilled to XXXX XXXX services. I was never supposed to be billed for any medical services, as this was a service that this same Medical Provider is now still paying and has been paying for XXXX XXXX.
Product: Credit card or prepaid card

I received a letter today ( XX/XX/XXXX ) regarding an amount as delinquent. Out of panic, I called in and paid the amount. Generally, an amount due and a due date is not in question. When calling back to ask an email written the day ( XX/XX/XXXX ) the letter is dated be given regard, the person speaking seemed intent on deliberately causing confusion. In the previous call, made out of panic, the first representative I spoke to transferred the call without telling me, and the second representative transferred the call to a survey without answering my questions. Until an explanation as to how a " new amount '' due XX/XX/XXXX can also be " delinquent '' XX/XX/XXXX, the card is not safe to use. It was explained that statements close the 23rd of each month, and payments are due the 20th of the following month. This process needs to proceed this simply. What caused the amount to become delinquent, and why was it regarded as being due eighteen days after it was paid out of panic?
Product: Credit reporting or other personal consumer reports

I previously disputed the bankruptcy reporting on my credit file, and the bureau has verified it as accurate. However, I am submitting this follow-up request for further clarification on the verification process.
Product: Checking or savings account

I opened an account with Fifth Third Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Direct Deposit made XX/XX/XXXX. 
Called Customer Service XX/XX/XXXX after not receiving debit card. 
on XX/XX/XXXX somebody had activated the card and removed {$2000.00} from the new account. 

I never received the card. My complaint was denied 3 times. I was told the card was activated properly. 

Account XXXX XXXX XXXX