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

I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.
Product: Credit card or prepaid card

I was offered a discount on airline tickets if I opened/applied for their credit card, which I did, then received a discount as advertised. I used the account only once to purchase the tickets, paid the whole balance on 1st bill, then never used the card again. Many months later the account was charged an undisclosed membership fee which when I received the initial statements showing the fee charged to the card I ignored unopened because I knew I had not used the card and the number of legitimate bills I pay monthly are overwhelming to me to deal with as it is. When I finally opened their bill and saw a balance I called and they disclosed it was the membership fee with now late charges and interest. I explained the situation to the rep and I was told the charges would be removed and the account closed. The following month I again received a bill showing a balance with the fee not removed. I called again and again was told the balance would be removed. The next month I again received a bill for the fee. I again called and was told by the rep she could not remove the fee, only the interest so she transferred me to another rep to get the fee removed. This rep told me I had to pay the fee regardless because I waited to initially dispute the charge. They continue to bill me and add interest and late fees and theyre now trashing my credit rating. Ive spent hours on the phone with them already and I feel the charge is bogus and I should not have to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres are 2 closed accounts that are showing opened still and its increasing balances every other month. XXXX XXXX  and XXXX XXXX XXXX. First Both are not mines second, theyre opened even though they supposed to be charged off with balance increasing almost monthly. XXXX with a little over XXXX now showing almost XXXX balance? Please investigate, validate and remove. I belive its fraudulent on what theyre doing. Screenshots are provided
Product: Credit reporting or other personal consumer reports

This is my final notice to Same Day Auto regarding account XXXX. Your company has failed to validate this account when you were informed over 9 months ago that my information was compromised in the XXXX data breach. Furthermore, you are reporting a balance and trying to collect an alleged debt past the statute of limitations. The statute of limitations in the state of Texas is 4 years. This account should be reporting a {$0.00} balance, and this is more proof of why this account should be removed from my credit report. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb ; you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Lastly, you failed to send any proof of validation such as a copy of my identification such as my ID and SSC which is required for such contracts. Being that my information was involved in a data breach, you have no sure way to hold me accountable without validating your claim. I will be moving forward with suing your company if the account is not removed within 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in communication with this agency via telephone, online, and certified US mail to attempt to get an ongoing issue resolved that has been an issue now for over a year. There are multiple inaccuracies and duplicate inaccuracies listed on my personal credit report with this agency that I have requested to be corrected and removed on multiple occasions. The only feedback that I ever receive is that a dispute will be issued on my behalf to investigate the complaint.

I have requested specific details of any investigation that states that I am liable, I have asked for the person ( s ) name and contact information who may have confirmed the inaccuracies with no response or documentation being provided.

These multiple inaccuracies and duplication have impacted my overall credit score and my personal lifestyle in a negative manner, causing me to lost job opportunities, pay higher interest rates on credit items, and have caused me the inability to secure stable residency due to these inaccuracies and duplication 's.

NOTE : I have attached a copy of the complete form for XXXX, because as usual, I have to go through extensive measures just to access my XXXX credit report and I was told that I am not able to access it on line without a valid explanation.

To have to continue through this extensive step each and every time, is a huge inconvenience to me especially when I am complaining about inaccuracies that these credit reporting agencies are listing onto my personal consumer credit file in error.

All 3 credit reporting agencies make it very difficult to get in contact with them over the telephone, and when communicating online, there is never a satisfactory resolution. When you communicate through US Certified Mail, you never get the requested information regarding details of the investigations, you only get a single page showing which items have been deleted and which item still remain which makes consumers have to start over from scratch which further delays the correction/removal process, impacting the financial abilities of the consumer. All because items are just randomly being placed onto consumer profiles without any obligation to verify the information before impacting the consumer in a negative manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is to excluded from my consumer report as it was an extension of my credit card. Furthermore XXXX is in violation of my rights to privacy as the released and served my private personal information to an unauthorized third party without my consent and lied stating a sheriff called me over the phone and I provided verbal consent. False, XXXX knew I would not receive those court documents and purposely gave my personal private information to an unauthorized third party only for the sole gain that the courts would rule in their own favor as a default judgment against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I placed a dispute on inaccuracies on my report and I have yet to hear back.
Product: Debt collection

Initial communication via CFPB and FTC. 

Creditor NBC responded with debt validation. 

Entered into settlement with NBC in which they stated tradeline would be removed from the credit reports. 

As of XX/XX/XXXX this has not yet happened. 

Payment made XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card balance is {$0.00} on my XXXXXXXX XXXX XXXX and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.
Product: Credit reporting or other personal consumer reports

Experian being sued and my information has been compromised due to breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries and dates : - XXXXXXXX XXXX ( Finance ) on XX/XX/XXXX - XXXX XXXXXXXX XXXX ( Bank ) on XX/XX/XXXX - XXXX ( Miscellaneous ) on XX/XX/XXXX - What happened : Customer service would not help nor take care of the negative inquiries reporting to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws Chase Mortgage account included in bankruptcy reported on XXXX   Chapter XXXX bankruptcy filing on XXXX, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. DEPT OF EDXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account # : XXXX 7. US BKPT CT XXXX  XXXX Account/Reference # : XXXX 8. US BKPT CT XXXX XXXX Account/Reference # : XXXX XXXX. US DIST CT Account/Reference # : XXXX 10. US DIST CT Account/Reference # : XXXX 11. DPT EDXXXX Account # : XXXX 12. DPT EDXXXXXXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

The presence of this account has caused me significant XXXX, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Vehicle loan or lease

I returned a XXXX XXXX at lease termination XX/XX/XXXX, all lease payments were made on time. Mercedes Benz represented to me that if i leased a new car from them within 60 days of lease return they would waive and/or greatly reduce turn in fees. I leased a new Mercedes about 2 weeks after the previous vehicle return and obtained lease financing from MB Financial ( same lender on both leases ). I returned the second MB in XXXX, all payments were made in a timely manner, I received and itemized statement from MB on the 2nd car for additional fees and promptly paid them. 
I am vehemently disputing the vehicle turn in fees on the first MB because I was never notified in writing of any amount due until approximately 4 years and 10 months after lease termination and never have received an itemized summary. I responded to the collection agency within the 30 days of notice of debt with a letter from my attorney disputing the amount with case law support and MB continues to report wrong and derogatory information on my credit file with all 3 bureaus. MB have their facts wrong on why they waited for almost 5 years to notify me of this claim. MB is reporting incorrect information on the second vehicle and using it as leverage. I believe I am being bullied and harassed by MB when they have no right under the statute of limitations.
Product: Mortgage

We currently have a mortgage with Chase and are buying a new home so thought we would go through Chase as well for the new loan. We uploaded all documents as requested within 24 hours and for the past 3 weeks we were told no issues and should be able to close the week of XXXX XXXX. We just learned that the only item lacking is an appraisal and they use the term that no appraisers are picking up the order. They said the appraisal order has been out for 2+ weeks and recently escalated XXXX XXXX and again this week. The issue is no one and Chase can explain why that is being held up. 

We are in downtown XXXX XXXX, TX and have randomly called 5 appraisers, 3 of which said they work with Chase and certainly could get out in the next day or 2. So clearly there is a disconnect. 

We are at risk of the builder voiding our contract since we likely ca n't meet the contracted closing date now and at this point we do n't know what we can do as a consumer. The mortgage bankers, processors, etc are all saying nothing can be done and now have stopped returning calls. At this point we do n't know what to do. I understand banks ca n't call appraisers directly but why would this appraisal not be picked up for 2+ weeks? Is that really the hold up? 

We have to be out of our current house next week and with it unlikely that we will be able to close next week we do n't know what we can do. If there is some regulation or process then they should be able to articulate that or at least better set closing time expectations as opposed to waiting until the XXXX hour before delivering the issue. 

At this point I have never felt more frustrated or helpless and with the red tape and lack of concern on the part of Chase I feel like this is simply not right. I 'm not sure what we are supposed to do with our pets, belongings, etc while in the interim and that assumes we can talk our builder into extending the contract. If not we have to start over. Simply not right.
Product: Credit reporting or other personal consumer reports

15 U.S. Code XXXX 1681C-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an inaccurate collection account on my credit report in the amount of {$19000.00}. This is not my account and I have disputed this account several times with the credit bureaus and the creditor. XXXX XXXX XXXX agreed to a settlement agreement of over {$550.00} million dollars in relief to consumers as well as well as deficiency waivers.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I received your response letter and thank you for sending that information. After reviewing the documents you sent me its clear that you dont have any documentation to show that I owe YOU or that YOU have the authority to collect from and I WILL NOT BE PAYING YOU! This proves nothing and if this account is not removed from my Experian, XXXX, and XXXX XXXX reports expeditiously I will move for with my legal claim. This is your final notice that I will not be paying you for this debt as you have NEVER contracted with me and XXXX XXXX  has no authority to collect anything from me.
Product: Credit reporting or other personal consumer reports

IM NOT 100 % SURE, BUT I BELIEVE A FAMILY MEMBER GOT A VEHICLE IN MY NAME AND OPEN UP A BANK ACCOUNT, IM NOT SURE OF THE SPECIFICS. I JUST KNOW I START RECIEVING CALLS AND THEY DIDNT STOP. BUT I UNTIL THIS DAY, I NEVER SEEN THE VEHICLE, DROVE THE VEHICLE, SIGN FOR THE VEHICLE OR ANYTHING. XXXX XXXX SO I DONT UNDERSTAND A LOT ABOUT CREDIT, BUT I BEEN LEARNING THRU XXXX. I WOULD LIKE FOR THESE FRAUDULENT ACCOUNTS TO BE REMOVE.
Product: Debt collection

As of XX/XX/2019 This company " XXXX XXXX '' phone both my brother ( XXXX XXXX ) and sister-in-law ( XXXX XXXXg ) I have written documentation from both they were contacted around XXXX CST. Both family members said " a lady '' would not give her phone number and says she is trying to get a hold of me. '' She did state she is from " XXXX XXXX. '' I don't know who this company is, but when I searched in on XXXX, it states an address of XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Their website states " Health care '' and " Commercial debt collection. '' I have not received any written documentation. I did get one call and the person would not identify themselves unless I " self identified '' and that is not something I would ever agree too.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX XXXX on or around XX/XX/XXXX account number XXXX with a charge-off balance of {$750.00} and a credit card opened at XXXX XXXX XXXX on or around XX/XX/XXXX account number XXXX with a charge-off balance of {$1200.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts 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 resulting from these accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. I have also included a copy of the front and back of my drivers license, birth certificate and social security card as proof of my identity. 
I have disputed these items before and yet Transunion is still reporting these items after XXXX and XXXX has removed them. After checking my credit reports I see several disputes over the last couple of years that I did not initiate and is a result of fraudulent activity. My identity was exposed in several data breaches and I am now just finding out, I have not been able to properly conduct an investigation until XX/XX/XXXX and that is when I filed the first FTC notice and CFPB report. As of now Transunion is still not following consumer reporting laws and is reporting fraudulent activity on the accounts included in this complaint.
Product: Debt collection

Received an email with attached letter dated XX/XX/XXXX from XXXX XXXX XXXX, stating that I owe them a debt for {$59000.00}. The Original Creditor was Mercedes-Benz Financial Services USA , who previously charged off the alleged debt and reported it as income. I have no contract with XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX and Mercedes-Benz Financial Services USA , about me is in direct violation of my privacy per the Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Can you review the documents? Some of the accounts listed are incorrect in their reporting.
Product: Credit reporting or other personal consumer reports

Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXX XXXX  XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

Thank you, so much for your time.
Product: Credit reporting or other personal consumer reports

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Current and only phone number delete all others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all addresses- Current and only XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXCurrent and only phone number delete all others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXCurrent and only phone number delete all others. 

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

I am writing to you as the holder of account number [ XXXX ] for my credit card of [ XXXX  XXXX XXXX XXXX, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Month of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.