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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 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 Credit Reporting Act. I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and delete company information of Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this complaint to EXPERIAN. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I paid a collection account in full with the agency ( XXXX # XXXX XXXX. I faxed documentation in the form of a receipt on XXXX/XXXX/XXXX to XXXX in order to update my credit file. I was advised that the receipt and review would take 48-72 hours. Upon learning on XXXX/XXXX/XXXX that this information still was n't received or reviewed, I faxed it again on XXXX/XXXX/XXXX to the same fax # and to XXXX XXXX at XXXX. XXXX provided a formal paid in full letter on XXXX/XXXX/XXXX and I faxed this to the dispute fax # and XXXX XXXX on this same date. On XXXX/XXXX/XXXX my file was finally updated to a {$0.00} balance for the XXXX account but still indicated an open status. The rep advised that they would need to dispute this status and submitted it for investigation. On XXXX/XXXX/XXXX XXXX sent Equifax notification indicating that the account was indeed closed. On XXXX/XXXX/XXXX a supervisor, XXXX  ', indicated that they received the updated info on XXXX/XXXX/XXXX but that Equifax has 30 days to close an investigation. I asked how this makes sense when they have they have the documentation to update the status and he continued to parrot Equifax 's 30 day rule. He then cold transferred me to 'XXXX XXXX in Consumer Affairs who indicated the same thing and told me that 'I needed to wait '. I contacted a corporate switchboard operator that advised me to ask to speak to speak to a CA Manager and transferred me to the XXXX upon which time I asked to be transferred back to the U.S. I spoke with 'XXXX ' again who refused to transfer me to a Manager and stated, 'I 'm the highest level available '.
Product: Debt collection

My identity was stolen in  XXXX   XXXX . It was not apparent to me that  XXXX  had been opened in my name until  XXXX   XXXX  when I was contacted by a debt collector. This same person has previously attempted to buy a car in my name from  XXXX   XXXX   XXXX  in  XXXX   XXXX . I filed a police report on her the day after she did so. After seeing the inquiry on my credit report I contacted the dealership to get all her contact information. I do not know this pers on (   XXXX   XXXX   XXXX   XXXX   XXXX  aka  XXXX   XXXX  ) and never gave consent to receive any services in my name.   I made  XXXX   XXXX   XXXX  aware of this and received no help.
Product: Credit reporting or other personal consumer reports

Charge of accounts are considered, certificates of indebtedness, pursuant to I.R.S publication XXXX and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974. 
The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Product: Credit card

Hello, I have a good credit limit across all my cards but except with capital one. 
Despite paying each month in full they never increased the limit. 

Capital one bank is one of the worst bank in the country and their algorithm to approval for the consumers is really strange. 
They abuse the customers by bucketing and charging high interest.
Product: Consumer Loan

I have repeated requested that GM Financial correct their Credit Reporting on the Auto loan # XXXX that has been subject to a XXXX CANCELLATION OF DEBT. I received the XXXX For tax year XXXX, wherein I had to include it in my tax return and incurred tax consequences. The continued reporting of a past due balance on my credit report is highly damaging to my ability to obtain favorable finance terms and is putting my family in a position where we are unable to secure housing due to this. It 's quite the troubling scenario, I ca n't actually PAY this bill to GM FINANCIAL because it has been cancelled, yet I am unable to correct my credit report and have it show that this debt is not past due {$11000.00} as of XX/XX/XXXX. This is a huge problem. Numerous correction attempts with the credit bureaus and GM Financial have yielded no results. 

I have done research on the topic and would like to advise both the CFPB and GM FINANCIAL that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled DEBT as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX ( XXXX. XXXX ) XXXX v. XXXX , 36 XXXX . XXXX XXXX XXXX. XXXX ) XXXX. v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). 

" is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at 270. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I filed a dispute through   XXXX   XXXX    XXXX   XXXX   XXXX   2017 but  i also did my own work and came across that this company is not bonded in the state of texas to collect debt.
Product: Credit card or prepaid card

I will Provide my paid receipts. The bill is paid off by a third party, when I Inquired I was informed by XXXX Staff that it was paid in XX/XX/XXXX. I never paid XXXX on the bill now the Water bill is XXXX dollars plus credit of overpayment. XXXX  XXXX  never informed me that the bill was paid off by a third party already, and continue to take payments from me. I have also attached documents on the online account that states no payment history. How can anyone pay a water bill with no payment history. There has also been reported that my home was abandoned to XXXX XXXX  XXXX back in XX/XX/XXXX which is false. There is fraudulent activity going on with my home, and I dont own this bill that has already been paid the village is double dipping on payments with my water bill. This is not the first time this has happened since XXXX. XXXX XXXX  has not provided any documents of the third party payment on the Water bill account. Im requesting my refund of XXXX that I do not owe with XXXX XXXX. This information has also been faxed to Capital One as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of FCRA rules section 1681. 

Violation ; currently reporting disputed account as updated and accurate. Violations of FCRA rules Disputed account ; XXXX XXXX XXXX Inaccuracies ; no credit limit, no balance, no date of last reported payment, no payment history, no credit/ loan term reported. All violations of FCRA rules. 

Please see attachment ;
Product: Vehicle loan or lease

Bought the car and shortly after went on medical leave. Worked with one of the reps through out XXXX XXXX XXXX. 
Complied with my payment arrangements and even paid more that the arrangement. 
During the leave I was transparent on income and worked out the payment. Talked to XXXX XXXX at XXXX and set arrangements. Unbelievably after dealing with all these reps finally go back to work and make another double payment per their instructions and promise my car would not be at risk, and the next day it gets repossessed. Shocking to speak to who claimed to be a team lead XXXX ; if I may add has no business in that position let alone speaking to clients. ARIVO is a subprime lender so when loans are issued is knowing that the consumer is trying to rebuild their credit but most importantly their life. This individual XXXX had no sympathy, human connection let alone time. I had just made a payment to put me only 1 payment due and was ready to pay current. I hope that your calls are recorded cause he never asked anything just replied with arrogance that would not be giving the car back. Its beyond me that ARIVO would allow an employee to humiliate, disrespect and belittle their customers. I never refused to pay, I was just in a bad situation where it was either eating or paying. I paid and still got my vehicle repossessed still exposed my self to humiliation, sarcasm, discrimination and worse arrogance. My vehicle was my only method of transportation, my daughter has a XXXX illness not to mention we had just had a baby. So disappointing that ARIVO Finance hires people like XXXX that instead of wanting to keep their business takes it upon himself to make poor judgement decisions.
Product: Debt collection

Here 's a tailored dispute letter based on the provided information : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] RE : Dispute of Collection Account [ Account Number XXXX ] Dear [ Credit Bureau Name ], I am writing to formally dispute the collection account referenced above, which is reported on my credit report. This account contains inaccurate information that needs to be addressed promptly. 

XXXX. Request for Creditor Information ( 15 USC 1692g ( a ) ( 2 ) ) : Pursuant to 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the original creditor for this account.

2. Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) : Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt. Specifically, I need a detailed breakdown of how the {$930.00} balance was calculated. This request is strictly for the validation of the amount of the alleged debt under 15 USC 1692g ( a ) ( 1 ).

3. Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) : Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description must be provided within 15 days of receiving this request.

Here are the specifics of the disputed information : Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$930.00} No. of Months ( terms ) : XXXX High Credit : {$0.00} Credit Limit : {$1500.00} Past Due : {$930.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Please find enclosed copies of documents supporting my dispute, including : A copy of my credit report highlighting the collection account in question Any previous correspondence regarding this matter I request that you conduct a thorough investigation of this dispute and provide me with written confirmation of the removal of this collection account from my credit report. Additionally, please send me a corrected copy of my credit report upon completion of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response.
Product: Credit card or prepaid card

I received a statement for a credit card that I never opened and never applied for. the amount of credit line is for {$8000.00}. the statement shoed 3 charges that were made in the XXXX XXXX according to the investigation officer at the XXXX police department. 
all my attempts to contact someone over the phone with the given number on the statement led to transferring me from one person to another. The address on the statement is for Wells Fargo, however when triny to verify information I was tols that that the alleged credit card is through " XXXX '' a card that I never applied for and never received! 
As of Friday, XXXX of XX/XX/2022 I finally got the hold of the fraud department at Wells Fargo and was told that they will wave all charges and block that account. 
I am waiting for a letter of confirmation from them. 
Sincerely, XXXX XXXX. 
Should you require any statement or hard copies please let me know since I have kept it all.
Product: Debt collection

Open status for collections is an inaccurate reporting. A collection can not be reporting as " LATE or " OPEN ''.

15 U.S.C. 1681s-2, also known as Section 623 of the Fair Credit Reporting Act ( FCRA ), outlines the responsibilities of entities that provide information to consumer reporting agencies ( CRAs ) : Accuracy : Furnishers must not provide information they know or have reason to believe is inaccurate.

Correction : Furnishers must correct or delete inaccurate information.

Updates : Furnishers must update information. 
Disputes : Furnishers must respond to consumer disputes. 

another key point is that I never had a contract with this company. This debt is considered invalid.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my account. Its a total of 5 that i never did. Ive been having only one credit card and i never tried getting another one. I suspect someone used my identity to try and get a credit card under my name. Heres the information on the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. JPMCB - XXXX XXXX 5. JPMCB - XXXX XXXX I dont recognize any 5 of those inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Product: Credit reporting or other personal consumer reports

Despite several attempts to correct a late open account this discrepancy remains on my credit report, causing significant financial harm and distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the late open account on my credit report. Immediately, I took steps to contact the respective creditors, and I submitted disputes to the credit reporting agencies to rectify these inaccuracies. Subsequently, I have made several attempts to dispute this inaccuracy with the credit reporting agencies, providing all the necessary documentation to support my claims, and I have been in continuous communication with the creditors involved. Despite my commitment to resolving this matter, this inaccuracy remain on my credit report and have not been adequately addressed by the credit reporting agencies or the creditors. This unresolved credit report issues have caused me significant stress and financial hardship. Please help me correct this account in XXXX and remove in Transunion and XXXX Credit Bureaus in my credit file immediately : XXXX XXXX XXXX Balance Owed : {$1100.00}.
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 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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, personal credit card account opened at Capital XXXX opened on XX/XX/XXXX Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX, an auto loan account opened at XXXX opened XXXX XX/XX/XXXX under the account number XXXX, personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX Cred XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, Medical account opened at Synerprise account opened on XX/XX/XXXX account number XXXX, Property Management account XXXX at Management Supp opened on XX/XX/XXXX account number XXXX, and Public Record XXXX XXXX Chapter XXXX Bankruptcy opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX, and Arizona XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX is not Bonded in the state of Texas to collect debt.