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

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I have sent documentation of my credit report to Experian and XXXX to resolve incorrect information that has been reporting on my credit report. I will attach documents of everything that is incorrect and it is listed across all 3 reporting agencies. The amounts shows different balances, opening, and closing dates.
Product: Debt collection

A Bank of America card was opened in my name I believe in XXXX. Im afraid the other cards may have been opened as well using my name. I was widowed in XXXX XXXX and this started after that. The Bank of America card was charged {$17000.00}! I really need help protecting my self and Clearing my fraudulent credit!
Product: Debt collection

I have been getting letters from Portfolio Recovery associates in regard to a XXXX account. I sent them a certified letter stating I wanted to validate the debt. All they sent was a statement from XXXX with an amount. I have NOT ordered anything or approved any purchase from XXXX since long before 2010. I do not have any information as to what I am suppose to have ordered, so I have no idea what Principal I am suppose to pay on. I did talk with them several months ago and they said I had an extended warranty on there, but again, I have no XXXX products nor have I ordered any thing from XXXX in well over 7 years. When you purchase a car, you know what your paying on. With XXXX and this collection agency, neither have provided any information as to what I supposedly ordered or I am paying for.
Product: Mortgage

PHH created fraudulent loan history to force foreclosure/eviction on us, we 've proven payment for the loan of {$15000.00} PHH wanted us to sign, we paid XXXX Bank in cashiers checks, we did not owe PHH. We are missing {$35000.00} in payments, all cashed by PHH. I have proof of all of this..we were also part of the {$6.00} XXXX settlement only for PHH to foreclose/evict anyway, PHH did not follow the NJ XXXX stipulation to apply all our payments, remove fees and bring us current. PHH " somehow '' managed to evict us ... someone is on the take, payoffs, something is WRONG here, how could we pay and still get evicted???? PHH took our credit, our money, our home, our chance for retirement and our lives ... I want it back!!!!! I have many documents to prove theses statements including an offer from PHH for {$50000.00} over the redemption cost ( we were denied redemption ), and we had to sign an agreement to not sue, be part of a lawsuit or hold PHH accountable in any wrong doing. PHH evicted us while I was completing XXXX treatments ... .can you say scum of the earth? PHH needs to be held accountable for what they have done and are continuing to do to homeowners. We had trouble from the day we signed our mortgage, we were never in a modification, did n't need one..we needed PHH to apply payments they cashed. We had no problem paying our payments.
Product: Debt collection

I received a phone call from a woman claiming she had documents to serve to me. She wouldn't give her name, the company she was calling from, what the papers were in regards to. She had an account number and a phone number, which I called. 

Upon speaking with XXXX, it took prying to discover that this was Lewis, McDonnell and Associates. It didn't take much for him to imply that this was a law firm. They claimed to be serving court documents and that I would be taken to court. After some time I spoke with him and eventually got a settlement offer. I paid about XXXX of the settlement and agreed to pay them by the end of the month. 

After digging, though, I found that their address leads to a XXXX store somewhere in California. Their website is misleading, as it's essentially a template. 

While I do acknowledge this debt was something I owed at a horrible time in my life, I do believe I was purposely misled by this company with their use of scare tactics and misinformation.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX give authorization to all XXXX, XXXX and XXXX to move forward with this complaint. I have proof they are in violation of the FCRA, 15 USC 1681L and 15 USC 1681a ( e ). In a previous CFPB complain they had stated that they will undergo an investigation with the original data furnisher. When in fact, an investigative consumer report is to be verified through interviews with neighbors, friends, family, and associates. They XXXX consumer reporting agencies has in fact conducted no such interviews. There is also not supposed to be any factual information from the original data furnisher on my investigative consumer report, all pursuant to 15 USC 1681a ( e ). So this could only mean that all XXXX  consumer reporting agencies are attempting to verify this transaction with non-factual information. No adverse information is to be included in my consumer report during an investigation pursuant to 15 USC 1681L. I have proof that all XXXX consumer agencies are reporting adverse information before, during, and after all investigations which is a direct violation, making all three consumer reporting agencies civilly liable and criminally liable pursuant to 1681n and 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting.. XXXX  XXXX XXXX which is reported 30 and 60 days late on XXXX and XXXX consecutively..Same goes with XXXX   XXXX XXXX, XXXX  XXXX XXXX XXXX is reporting late 30,60,90 days late XXXX, XXXX XXXX, consecutively
Product: Credit reporting or other personal consumer reports

Immediate Removal of Inaccurate Charge-Off Reporting I am writing to demand the immediate removal of inaccurate charge-off reporting from my credit profile by XXXX. I firmly believe that this reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681b. 

I have recently reviewed my credit report obtained from Equifax and have identified inaccuracies related to charge-off accounts. This misinformation is severely detrimental to my creditworthiness and financial standing. I insist on the swift removal of these inaccuracies, as required by the FCRA. 

I demand that you take immediate action to remove these inaccuracies from my credit profile. Delays or further investigations are unacceptable in this matter.
Product: Debt collection

I received a call from a XXXX XXXX office, to " collect a debt on a credit card ''. the caller did not verify my information before giving me this information. The person yelled at me that they are starting the " legal process to garnish my wages '' I advised her that I have not received any information on any attempt to collect any debt.I am legally entitled to receive that and verify that so called debt is mine and that the collector is legally able to collect on any so called debt. She refused many times and told me that she is not required to do anything of that sort. Continued to threaten me on " legal action '' did not give me information on amount of debt or if there was an ability to settle on any debt. She did not even properly verify who I was. I looked on line since the company name on the voicemail was different than what she gave me and I saw many victims to this company as well. XXXX / XXXX XXXX. There was no resolution to this call as she would not listen to me and only yell and threaten me during the whole call. I would like to know what this even is! How can I be taken legal action against and I dont even know what this is! I can not know how to respond with a solution if I have no information as to what this is at all. The only information she gave me was that it was in an attempt to collect on a credit card debt. No credit card name given. This company needs shut down as they do not know how to collect said debt to anyone per all the comments I have seen plus my own experience!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX v. Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Checking or savings account

XXXX XXXX XXXX NJ has you sign a receipt in classifications when u receive prisoners clothes on intake ... they do not tell inmates that once you sign the receipt for prison clothes..The prisoner actually is signing Power of Attorney over to WELLS FARGO BANK XXXX This is a fraud, a bait and switch a private prison and Bank working together to take control over peoples finances..It is discriminatiory against American people on XXXX or receiving government fundS..cIVIL RIGHTS INFRACTIONS..A fraud against the people ... Wells FARGO bank unethical illegal money grab of social security funds and XXXX XXXX XXXX scam of denying out of town inmates to make long distance phone calls meant to isolate and deny people basic rights ... How is it that a Bank and Prison complex start this scam when patient confidentiality laws weny into effect.1996///the prison /bank /jewish family sercices HEALTH CARE FRAUD and wELLS Fargo bank owe over 20 yrs of theft ..they have been getting away with since 1996 ... they are disappearing bodies, and the payments keep going to the bank..and no accountability or transparency as patient confidentiality laws hide this scam fraud ..targeting the " UNWORTHY ''
Product: Consumer Loan

hyundai finance uses discriminatory tactics to make rate decisions, the company uses the relationship of dealerships as a basis to discriminate on their customers. they take equal credit profile people and make rate concessions and adhustments according to the dealership they visit. for example i was forced to give better rates to customers with worst on exact profiles than the next customer just on basis of dealerships as opposed to the merit of the customer
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent XXXX, XXXX  and Transunion regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC complaint attached to my file. That have all the inquiries and negative accounts listed
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries from financial companies and car companies that I did NOT AUTHORIZE! I tried contacting the bureaus but got the run around for months it's ridiculous. This is my 2nd complaint because I noticed 5 additional inquiries that I did NOT AUTHORIZE ......
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some inquires on my credit file on  XX/XX/XXXX . There were  XXXX  total inquires I disputed, in about a 24 hour period Equifax sent confirmation that the investigation was complete and I could review the results. They responded by saying ; The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor.
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They, never initiated a true investigation, they just took the lazy way out and wanted me to do their job! To my understanding and research - if I dispute any item on my report they have to initiate an actual investigation - they should be able to provide documentation showing I authorized the inquiries to be made and also be able to provide a Verification from each source that this was investigated and verified. They are not following FCRA sections 609 or 623 - I will wait for a response, then if need I will also follow up with a complaint with CFPB on this matter.
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Equifax Report Confirmation #  XXXX  Inquires Disputed ; Leasing Desk - XX/XX/XXXX Equifax Mortgage Services - XX/XX/XXXX   XXXX  - XX/XX/XXXX   XXXX  - XX/XX/XXXX  *Actually, if they investigate they will see that  XXXX  do n't even offer service in my Area . * Respectfully,   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

Received letter from XXXX XXXX XXXX ( Creditor listed as USI Solutions , Inc. ). on XX/XX/XXXX regarding a debt that does not appear on any of my credit reports. I began receiving phone calls XXXX of XXXX. No amount was ever paid to this collection agency for this debt and the debt does not appear on any of my credit reports. In these calls they have said that they have established a court date and that I was too appear. I contacted the local court in the county and they could find no record of a court date. In addition my father has been called on XXXX of XXXX.
Product: Credit card

On XX/XX/2023, I purchased a merchandise from XXXX XXXX - XXXX - XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX  ) for the amount of {$1900.00}. When I received my first statement it showed that I needed to pay {$2800.00}. I received my first statement on XX/XX/2023, from XXXX XXXX XXXX ( this was opened through the XXXX store ). I immediately called to speak to customer service XXXX. The person answered the phone handled very nicely and told me that they will look into it and get back to me. She also told me that in the meantime I should submit my monthly payments which I did. Nobody contacted me, then I received my second statement, they wrong amount was still there. I called again and the same thing, the person who answered the phone ask me more questions and asked me if I have the receipt, which I do. She told me sending the receipt should be able to fix the problem. I sent the receipt on XX/XX/2023. I did not receive anything from them, so I call them back to ask if they have received my letter with the receipt and the person on the phone told me yes and she said not to worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., permission. 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 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 noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XXXX ] for my Loan account. Two credit bureau reported this. I submitted proof I did not pay late.
Product: Student loan

I am trying to clear my loans as quickly as possible and this company finds every reason possible to put loans into forebarence and deny loan forgiveness applications. I have called them numerous times asking to never be put on forebarence and every 6 months they do it again with another reason. I request again in writing and they never respond. Meanwhile, I rack up interest on the payment amount that would've been taken out. I try to get loans forgiven under teacher service grants. Everytime I submit paperwork, they find something wrong, I correct it, they then find anotehr things wrong extended the process again rather than put all the incorrect items out there at once. This company is XXXX and is just trying to keep the interest flowing as long as possible so they can continue to collect more. They are clearly not there for the customer, purely to create problems for them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request for Deletion of Inaccurate Information on XXXX XXXX Credit Card Account - Equifax Dear Sir/Madam, I am writing to formally dispute and request the deletion of inaccurate information reported on my Equifax credit report regarding my XXXX XXXX Credit Card Account ( Account Number : XXXX ). Upon reviewing my Equifax credit report, I have identified discrepancies that require immediate attention and correction. 
The specific discrepancy I wish to address concerns the account status and the reported payment history : Account Status : The account status is showing as " Too_New_To_Rate, '' which suggests that the account is too new to assess its creditworthiness. However, the reported date of account opening is XX/XX/XXXX, which contradicts the designation of being " too new to rate. '' This inconsistency indicates inaccurate reporting of the account status. 
According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure the accuracy, completeness, and fairness of the information they report. Furthermore, FCRA Section 611 ( a ) ( 5 ) states that if an item on a consumer 's credit report is inaccurate, incomplete, or can not be verified, it must be corrected or deleted. 
Based on the discrepancies outlined above and the provisions of the FCRA, I formally request that Equifax delete the inaccurate information related to the XXXX XXXX Credit Card Account from my credit report. It is essential that my credit report accurately reflects my financial history to ensure fair and accurate credit assessments. 
I demand the deletion of any late payment history associated with this account, as it is resulting in the inaccurate account status designation of " Too_New_To_Rate. '' Failure to comply with this request may result in legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter. I anticipate a swift resolution and the deletion of any inaccuracies on my Equifax credit report related to the XXXX XXXX Credit Card Account. 

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

To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the XXXX XXXX breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXXXXXX XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Vehicle loan or lease

I am in the middle of a repurchase of the vehicle I financed with Volkswagen Credit from Volkswagen of America. The vehicle is deemed a lemon. I uploaded the documents regarding the repurchase offer. I didn't make the payment for XXXX until XX/XX/XXXX because I'm having a legal dispute regarding the repurchase. To avoid negative impact on my credit I made the payment a XXXX late fee was included well after I made the payment I discover that volkwagen CrediXXXX attached the late fee to a XXXX payment which is not due until today. The reason for them doing this was to try to report a XXXX day late payment to the credit bureaus. Which is fraudulent activity as a lender.