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

My personal information has been unlawfully used with the following account : XXXX XXXX XXXX As of today XX/XX/year>, only XXXX and Experian have closed this account after acknowledgement of dispute. XXXX has failed to close or remove this collection after my request. I am requesting this to be removed from all three credit bureaus. I did not grant permission for any bureau to add this collection to my credit report. It must be removed immediately as my rights have been violated. 

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is a request for VALIDATION made pursuant to the above-named Title and Section.

The following laws have been broken : Code 681b- Permissible purposes of consumer reports ,18 U.S. Code 1028A- Aggravated Identity Theft 15 U.S.,15 U.S. Code 6802- Obligations with respect to disclosures of personal information 15 U.S. Code 6801- Protection of non-public personal information 15 U.S. Code 681c-2 Block of information resulting from identity theft 15 U.S. Code 1692g- Validation of debts 15 U.S. Code 1692c- Communication in connection with debt collection If this continues, I will not hesitate in bringing legal action against your company and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER had jc penny card nor XXXX  XXXX card. I have never used any name ending in XXXX. I have never lived in XXXX nor XXXX XXXX Florida. My only last social security 4 digits are and only XXXX. 
XXXX XXXX XXXX has been harrasing mr for over 20 years and I have never done sny business with Rooms to go. 
lastly. I have never defaulted a student loan. I was active student. later had forbance. due to hurricanes in Puerto Rico.
Product: Debt collection

The last communication that I had with XXXX XXXX XXXX XXXX was a settlement statement and then the remainder of my deposit ( {$1000.00} ). This was after I vacated the property at their request ( which they breached the lease agreement ). XX/XX/XXXX  I checked my email and saw an alert from XXXX  that my points decreased and there was a collection account, when I logged in it was Transworlds System Inc, I called them and they said they were collecting on behalf of XXXX, again, the last communication from XXXX was my remaining deposit, and I had no communication with them afterward because my intent is to sue them for breaching the lease. However, I also had no communication from this Transworld company until the item appeared on my credit and I called them. The first time they ever made a phone call was XXXX after they were already on my report. Nonetheless, I do not owe Transworld or XXXX and in fact, I believe they owe me for breaching the lease damages for moving expenses, two months rent, utilities, and storage fees. These people have done great damage to my credit without any prior notices of so-called owed debt.
Product: Debt collection

I submitted a complaint with CFPB regarding an old XXXX 's account where debt collectors on a debt over 10 years old have continually called and several collectors have sworn at me on a call, and one telling me to " not open credit cards if I can't pay the bill. '' In the complaint response, XXXX stated the account had been sold to Encore Capital Group and their contact was XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE UNDERSTAND MY SITUATION AS MANY OF US DURING THE DAYS OF PANDEMIC HAVE EXPERIENCED DOWNFALL. PLEASE HELP ME UPDATE THE REMARKS IN MY ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please again remove or correct this information at the earliest possible time
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Kia Motors Finance for reporting a 60-day delinquency on my credit report while an active dispute regarding unauthorized charges of {$3600.00} for lease turn in amounts was ongoing. This reporting has had a significant negative impact on my credit score and was made without resolution of the underlying issue. 

I have made multiple attempts to resolve this matter directly with Kia. In addition to my own phone calls, two attorneys letters ( dated XX/XX/XXXX and XX/XX/year> ) were sent on my behalf, and Kia has failed to respond to either of them. They have also ignored my direct outreach and made no effort to address or resolve the charges I am disputing. 

Despite the open and unresolved nature of this dispute, Kia reported the account as delinquent to the credit bureaus. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report an account as in dispute when a consumer is actively challenging its validity. 

I respectfully request that the Consumer Financial Protection Bureau investigate Kias conduct and require them to immediately remove or correct the negative reporting from my credit file until the dispute is fully resolved. I am prepared to submit supporting documentation including the attorney letters, a credit report showing the delinquency, and a record of my attempts to contact Kia.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The false information on my credit report comes from accounts I did not open and was created by someone stealing my identity. These accounts include : XXXXXXXX XXXX {$11000.00} credit card, XXXX XXXX XXXX {$1000.00}, mobile account, ( Transunion ) I am writing to formally dispute several accounts, collections, and hard inquiries that have appeared on my consumer credit report, which is being maintained by your agency. I do not recognize these aforementioned accounts, collections, or inquiries, and they were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and inquiries in question are a result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Report complaint report number is XXXX which documents the fraudulent activity. This report has been filed with the U.S. Federal Trade Commission, confirming that the fraudulent accounts, collections, and inquiries on my credit report were not authorized by me. 

I request that you investigate these fraudulent entries and remove them from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

To Whom It May Concern : I am writing to formally complain about Exeter Finance and their recent actions regarding the repossession of my vehicle, which I believe to be in violation of my consumer rights. 

On XX/XX/year>, Exeter Finance repossessed my vehicle from my property without my verbal or written consent. I contend that this action is unlawful and constitutes a breach of my rights as a consumer. Furthermore, Exeter Finance has committed the following violations : 1. Unauthorized Repossession : Exeter Finance repossessed my vehicle without providing adequate notice or obtaining my consent, in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692f, which prohibits unfair or unconscionable means to collect or attempt to collect a debt.

2. Privacy Violation and Unauthorized Sale of Personal Information : Exeter Finance allegedly sold my personal information to a third party, XXXX XXXX XXXX, without my consent. This action violates 15 USC 6802, which mandates that financial institutions can not disclose a consumers nonpublic personal information to nonaffiliated third parties without providing notice and an opportunity for the consumer to opt-out.

The actions of Exeter Finance have caused significant distress and inconvenience, as I rely on my vehicle for daily transportation. I believe that Exeter Finance has violated my rights, and I seek your assistance in resolving this matter. 

I request that the CFPB investigate this issue and take appropriate action to ensure that Exeter Finance complies with all applicable laws and regulations. Furthermore, I would appreciate guidance on how to rectify this situation and secure the return of my vehicle.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believe FCRA 605B mandates the elimination of any erroneous accounts from my credit dossier. Would you mind verifying the paperwork? Several of the enumerated accounts exhibit inaccuracies in reporting, such as erroneous amounts and dates.
Product: Mortgage

In XXXX of XXXX we were referred to XXXX XXXX at Wells Fargo Bank for help applying for a home mortgage. We explained that we have a foreclosure in XXXX and credit card debt. XXXX assured we were eligible for a mortgage, emailed a pre-approval letter and encouraged us to begin looking for a home. We found a XXXX home in XXXX XXXX of XXXX, which we bide on and our offer was excepted. We contacted our attorney and arranged for a home inspection. At the time we lived in a rental in XXXX so I flew to Il to see the home before turning over {$1000.00} in earnest money. We paid XXXX for the home inspection and emailed copies to Wells Fargo and our attorney in XXXX. We hoped to close in late XXXX or early XXXX as our lease would end XXXX the XXXX. We checked in with XXXX XXXX weekly and were assured that everything was fine, but at the end of XXXX were told that the underwriters had rejected out application. The foreclosure had to be three years old for us to be eligible for a home mortgage. I question why we were not informed of this from the beginning. We were devastated, our lease was almost up, we had no where to go and our money was tied up in escrow. We requested our money be returned and the real estate agent informed us that she need a formal letter of rejection from Wells Fargo which I requested. XXXX informed me that the letter had to come from the corporate office and had no idea how long it would take to get it. I waited two weeks and called the corporate office my self. The response was quick, the manager called me back the same day. They told me no one had requested a rejection letter on our behalf from XXXX. The letter came the next day and I had my escrow money by the end of the week. I want to know why mortgage agents are being allowed to give out false information. I would like to be reimbursed for the cost of the home inspection ( XXXX ) and travel to XXXX ( XXXX ) to look at home Wells Fargo had no intention of giving us a mortgage for. I understand nothing can be done to pay for the mental anguish this process has cost us but perhaps can learn from our experience.
Product: Credit reporting or other personal consumer reports

I am writing to request detailed verification and documentation regarding the investigation process for a disputed bankruptcy on my credit report. This dispute was submitted to Experian on XX/XX/XXXX, and was marked as verified on XX/XX/XXXX. I am seeking verification in accordance with Section 611 of the Fair Credit Reporting Act ( FCRA ) and Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 
Disputed Bankruptcy Information : Bankruptcy Case NumberXXXX XXXX XXXXXXXX Filing Date** : [ Filing Date ] : XX/XX/XXXX Report Number : XXXX Fair Credit Reporting Act ( FCRA ) - Section 611** : Under Section 611 of the FCRA, I have the right to request and receive a detailed explanation and documentation of the procedures used during the reinvestigation of my dispute. This includes the sources of the information that were used to verify the accuracy of the disputed bankruptcy. 
Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : Under Section 501.204 of the FDUTPA, I am entitled to fair and transparent business practices. The verification process conducted by Experian must comply with these standards to ensure that no deceptive or unfair practices were employed during the investigation.
Product: Credit card or prepaid card

I have a credit card with Barclays US. I had a purchase of XXXX on XX/XX/XXXX. It had a 0 % interest if paid in full by 18 months and expiration date was XX/XX/XXXX. As of the statement dated XX/XX/XXXX, the remaining balance was XXXX on the original purchase of XXXX. The total remaining balance, the deferred interest charges this period and deferred total interest were all mentioned in the XXXX statement. 

In order to avoid paying interest, I made a payment of XXXX on XX/XX/XXXX, but still the bank charged me an interest of XXXX dollars on XX/XX/XXXX XXXX statement. When I tried contacting them, they said I had other purchases and the usual blah blah blah. Finally I was able to convince them that I had paid the remaining balance subject to deferred interest. In the next statement they had credited the interest back, but gave no explanation as to why they charged me. I was able to resolve the issue, but I still want to pursue this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with Faircredit Reporting Act, XXXX XXXXaccount # XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 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: Debt collection

The following accounts have been placed into collections and I do not notice them. I have disputed them with the collection agencies and the desire Bureus. They have not removed them. THESE ACCOUNTS DO NOT BELONG TO ME. 
XXXX/Convergent outsourcing- opened on or around XXXX. 
Account # XXXX XXXX XXXX XXXX- opened on or around XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX : Opened on or around XXXX Account # XXXX
Product: Debt collection

Received a letter XX/XX/XXXX from United Collection Bureau , Inc concerning collection of a XXXX, XXXX XXXX Consumer Account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting information : name and address of original creditor, copy of the original signed contract , delegation of authority, and a complete account /statement of payments, interest, fees, etc to support the validity of the debt. To date, I have not receive this information, but I have received many calls from this collection agency at home and at my work. My job does not permit to accept this personal calls and these calls may jeopardize my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 

This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  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: Debt collection

The company is called Veros Credit. They are a bank loan company for auto purchases. They call and just sit on the phone they never answer when I pick up the phone. They hang up on me. They make threats to repo my vehicle even though I pay. They call almost 100 times daily. They even call and threaten my family and friends. They call at XXXX. And before XXXX XXXX. I'm tired of it
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, ILL XXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. 
XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

Experian Debts were not properly investigated, but were verified as correct. Proof was given debts were not valid but remained on credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent several disputes regarding the two mortgage Companies reporting on my account. The only open mortgage I have is with XXXX XXXX. Please have them remove the account from XXXX XXXX. I have asked for proof with no response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XXXX, XX/XX/year>, I received a notification that an unauthorized charge was made using my account in the amount of {$1000.00} to XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX ). I did not make this payment nor have I been to TX. I also accrued three {$20.00} overdraft charges which caused my account to be - {$100.00}. I called my XXXX  ( XXXX ) and filed a dispute as well as canceled the card. I also contacted my local police department ( XXXX  ) and submitted a complaint. The complaint was rejected and I was told to file a complaint with the FBI due to the interstate fraud. I then filed a report with the FBIXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 items : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Their was a computer glitch that was TransUnion 's problem - not mine - that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith three times to ask them to delete the inquiries that they had illegally re-added. I was spoken to very rudely and they refused to take them off. These inquiries add a hardship and my rights were violated by TransUnion.