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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La.XXXX XX/XX/2023 TD Auto Finance XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute and Request for Removal of Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to dispute the inaccurate information that TD Auto Finance Company has reported on my credit report. I believe that TD Auto Finance is violating my rights under the Fair Credit Reporting Act ( FCRA ), the 4th Amendment, the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. I demand the immediate removal of TD Auto Finance from my credit report. 
As a consumer, I have the right to privacy and protection of my personal information under 15 U.S.C 1681 section 602 ( A ). Additionally, 15 U.S.C 1681 section 604 ( A ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written instructions. TD Auto Finance has failed to adhere to these provisions. 
Furthermore, 15 U.S.C 1681c ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including adverse information, except for records of convictions of crimes that predate the report by more than seven years. The information reported by TD Auto Finance is not only inaccurate but also violates this specific provision. 
According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), TD Auto Finance is obligated not to furnish any information relating to a consumer if it knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, I demand that TD Auto Finance correct its records and cease reporting inaccurate information to any consumer reporting agency. 
The account in question has been paid in full, and it is unjust and damaging to my creditworthiness to have this inaccurate information on my credit report. This not only affects my financial standing but also violates my rights under the GLBA, the Electronic Communications Privacy Act ( ECPA ), and the FCRA. 
I am aware of my rights as a consumer and the laws that protect me. Failure to comply with my request to remove TD Auto Finance from my credit report will leave me no choice but to pursue legal action to ensure my rights are upheld. I am prepared to take all necessary steps to mitigate the damage caused by this violation. 
I expect a prompt response to this dispute and request for removal of inaccurate information. Please confirm in writing that TD Auto Finance has initiated the necessary actions to correct this matter within 30 days of receiving this letter. Failure to do so will leave me with no alternative but to escalate this matter and seek legal remedies. 
Thank you for your immediate attention to this serious matter. I trust that you will handle this dispute in a timely and appropriate manner. Please consider this letter as notice of my intent to exercise all rights and remedies available to me under the law. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX - {$5600.00} XXXX XXXX XXXXXXXX - {$10000.00} XXXX XXXX - XXXX - {$240.00} XXXX - XXXX - {$2200.00} XXXX XXXX XXXXXXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are reporting with inaccurate information. These accounts are reported as late payment and potentially negative ( violation against 15 USC 1666b ). When in fact, EXPERIAN did not conduct a full and proper investigation to conclude that these accounts were accurate ( violation against 15 USC 1692g ). I never consented to this inaccurate information to be furnished and it is infringing upon my right to privacy when they did not give me a clear and conspicuous option to opt out of sharing my non-public information ( violation against 15 USC 6802 & Privacy Act of 1974 ). Going against these law can be fined in a civil matter if EXPERIAN does not correct these accounts. 

INQUIRY : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY : XXXX DATE XXXX XX/XX/XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX  DATE : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY : XXXXXXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$140.00} ACCOUNT NAME : XXXX  ACCOUNT XXXX : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$560.00} ACCOUNT NAME : XXXX XXXX NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$350.00} ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT OPENED ON : XXXX XXXX, XXXX ACCOUNT BALANCE : {$5500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$540.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED XXXX : XX/XX/XXXX ACCOUNT BALANCE : {$370.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found incorrect information that I have previously disputed with the Credit Reporting Agencies. They have failed to verify the numerous inaccurate accounts and information listed on my credit report. Under the FCRA 15 U.S.C. 1681i all unverified accounts must be promptly deleted. 
XXXX  XXXX ( XXXX ), ( XXXX ), ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$51000.00} XXXX XXXX XXXX Balance : {$50000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX PINNACLE LLC/RESURGENT XXXX XXXX XXXX, XXXX, SC XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Checking or savings account

I opened a new Citibank Accelerate Saving account back in XX/XX/XXXX and XXXX  successfully deposited different amounts from my different checking accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. and each month from the date of opening I transferred some money I put in the side from my paycheck. Everything was fine. I deposited a total of XXXX $ till XX/XX/XXXX. I made some transactions. i transferred money XXXX $ and XXXX $ and XXXX $ from Citibank to my XXXX XXXX XXXXXXXX Citi bank called me to confirm the transaction i told them it was me and after that i transferred XXXX $ from XXXX XXXX XXXXXXXX to citibank and XXXX XXXX $ from XXXX XXXX to citibank and XXXX from XXXXXXXX XXXX to citibank in the next two day in XX/XX/XXXX i try to login to Citibank account i saw my saving accounts was block deleted they block my account without let in me know in XX/XX/XXXX I received an email from Citibank that my account will be closed within 60 days.to 30 days The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I contacted Citi twice on XX/XX/XXXX and XX/XX/XXXX, both Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get my money back, they said I will be receiving mail with a detailed statement and a check of the remaining balance, to let them know there's no fraud in my account. if they suspicious fraud they could contact me and confirm with me before they take any action my account and my money i should be concerned with that i contact Executive Response Unit and file complain, and they give me a case number. 
Citi Reference Number : XXXX my full name XXXX XXXX my fourth ss XXXX i send me all my bank statements. 
this is my account number XXXX
Product: Debt collection

First a phone call and now letters stating that I owe them {$720.00} for a debt to XXXX University. Very rude on the phone stating I owe for tuition and demanding payment. I called XXXX University and they verified that I do n't owe them any money and they have never turned me in to any collection agency. The school also said they have had several students get calls from this company saying they owe money when they do n't. So this boils down to nothing more then a scam. This needs to be looked in to. the calls and letters are stating they will ruin my credit if I do n't pay them. I told them on the phone I do n't owe anything other then a federal student loan. They just keep sending letters. These kinds of scams need to be shut down. They are trying to prey on students trying to build credit and complete their education.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Acct # XXXX, XXXX, XXXX : XXXX XXXX : ending in XXXX XXXX : ending XXXX XXXX XXXX XXXX ENDING IN XXXX In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 1 ). 602 ( A ). XXXX XXXX findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting. 
2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 
3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. 

My name is XXXX XXXX all other names must be deleted from my report. Only one address should appear on my report and that is XXXX XXXX XXXX XXXX Florida
Product: Credit card or prepaid card

I received a letter from Comenity Bank requesting me to call them to finish processing a Kay XXXX credit card account application that I did not initiate. The letter is dated XX/XX/2022. My name is spelled incorrectly on the letter. 

I did not make any attempts to process a credit application with Kay XXXX nor have I at any time. I did not apply for any new credit accounts with Comenity Bank although I have in the past and do have existing active Comenity accounts. I have not attempted to open any new credit accounts with any bank or creditor within the past 3 months. 

This is the second notification I have received about an attempt to open a credit account in my name in XX/XX/2022. The first was reported to me by XXXX XXXX. They notified me that there was a new hard inquiry on my XXXX account from XXXX on XX/XX/2022. I contacted XXXX the following morning and put a freeze on my credit. I also reported this inquiry to the FTC on the morning of XX/XX/2022. 

The letter from Comenity Bank arrived at my house in the mail this week. The letter is dated XX/XX/2022. I have not seen any new accounts on my credit report. I am checking it daily. I have only seen the new hard inquiry from XXXX which I would like to be removed from my credit report as it is a fraudulent inquiry.
Product: Debt collection

I have filed a dispute with all three credit bureaus in regards to Portfolio Recovery Solutions listing a debt on my credit report that has not been validated. I have not received any services from this debtor and there is no signed or verbal contract between them and I. This company has continued to list this debt on my credit report without providing me the requested information to validate this debt or their legal authorization to list a debt on my credit report. I never had an account with this creditor and I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XXXX/XXXX/XXXX, complaining about a wrong tax lien that was posted in my account. As of today, I still did not receive the results of the investigation and the negative item is still in my report. Equifax has been very unprofessional about this and they breaking FCRA laws " 609 - 15 U.S.C. 1681g '' and " 611 - 15 U.S.C. 1681i ''.
They insist that the item was verified without never doing any verification and the refuse to answer my question about the method of verification used as required by 611 - 15 U.S.C. 1681i paragraph ( 7 ) and paragraph ( 6 ) ( B ) ( iii ). They are breaking the law. Especially now with the new laws that went into effect on XXXX/XXXX/XXXX specifically about tax liens and other civil judgments.
Product: Credit reporting or other personal consumer reports

**Complaint Summary : ** I am filing a complaint against the credit bureaus for not removing fraudulent accounts from my consumer report, despite providing all necessary documentation, including a police report, FTC report, identity verification documents ( driver 's license, Social Security card ), and a dispute letter requesting the removal of fraudulent items. The accounts in question do not belong to me, and I have followed the proper steps to report the fraud. 

**Detailed Description : ** I recently checked my consumer credit report and noticed several accounts listed that are fraudulent and do not belong to me. Upon discovering this, I immediately reported the fraud to the police and filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I also provided copies of my drivers license, Social Security card, and a dispute letter requesting the removal of these fraudulent accounts. 

Despite submitting the necessary documentation, the credit bureaus have failed to take appropriate action in a timely manner. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to block and remove fraudulent information within 2-4 business days of receiving notice of identity theft. The FCRA also allows for a 30-day period during which the bureaus can still conduct an investigation, but the fraudulent accounts must be removed or blocked within the initial 2-4 business day window.

I have not received any confirmation that the fraudulent accounts have been blocked or removed from my report. This is a clear violation of my rights under the FCRA. 

I am requesting that the CFPB assist me in ensuring the credit bureaus comply with the FCRA and promptly remove the fraudulent accounts from my report. I also request that any fees or penalties related to this violation be assessed and appropriate action be taken. 

**Documentation Provided : ** - Police report confirming identity theft - FTC Identity Theft Report - Copy of my drivers license - Copy of my Social Security card - Dispute letter requesting the removal of fraudulent accounts
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I paid Western Union a fee of {$0.00} to transfer {$84.00} from my checking account to another persons checking account. Western Union withdrew the money from my checking account, but didnt transfer the money in the 6 business days that they promised to do it. Therefore, on XX/XX/19 in Spanish and then on XX/XX/19 in English I sent email messages and by phone requesting the cancelation of the transaction and the return of my money. 
Western Union replied stating To continue processing your request and since the receivers ID copy can not be provided, please supply the following information about your receiver : o Full legal name : o Gender : o Date of Birth : o Country and City of Birth : o Relationship between sender and receiver : o Purpose of the transaction : o Occupation : o Residential Address : o Explanation why ID copy can not be provided : o Name of the person submitting the letter : On XX/XX/19 in an email I stated to Wester Union that I already answered the receiver information in their sending money form. If more information was required why didnt they ask for it before withdrawing the money from my checking account? In addition, I dont see why I should answer more questions regarding the receiver since I was canceling the transaction. 
It seems to me that Western Union just wants to keep/steal my money. I wonder if there are more people in the immigrant community who, due to their English language limitation, are not able to fight their dubious business practices.which it appears that then Western Union profits illegally from.
Product: Student loan

I had my PSLF application sent over from XXXX to Mohela back in XXXX. I have been unable to get through to anyone to tell me the status of my application since then and it is now XXXX. Most recently Ive been on hold with them upwards of two hours with still no rep to answer my call much less any questions. The deadline is soon approaching and Im worried I wont be able to have my stuff taken care of
Product: Payday loan, title loan, or personal loan

Afternoon, In XX/XX/XXXX I had o resign my agreement over to an installment loan of 24 months. The previous loan was interest only. So they paid off the previous loan and rolled over the balance to the new balance and started a new contract. The balance would be {$1000.00}. XXXX month installment loans at {$150.00} was going to be the payments with roughly around $ XXXX {$20.00} applied to principal. the remaining {$130.00} would be interest. In total the payments would have been {$3600.00} once the {$1000.00} was paid off. The total amount of payments I made ( 7 ) {$1000.00} ended on XX/XX/XXXX. I could no longer afford the 179 % interest rate. I had started a family and I was paying for childcare now. I asked the representative at the time named XXXX was there anything I could do to settle and was told no. I just recently got a judgment being sued for over {$3900.00}. I have 20 days to respond and I have nothing I could pay with the 7 total payments I have made that was over {$800.00} in interest. I need some help as to what I can do. I have a family and can not afford to be paying such a high dollar amount if sued. Can you let me know what my options are? 1 stop money centers LLC ( XXXX XXXX XXXX is the company and contact information. This was a registration loan they said. Since payday loans were outlawed