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

I have sent you several request to remove this error from your records as other credit reporting agencies have. Supposedly you sold Trans Union erroneous information about me and an unverified bankruptcy. I have spoken with the courts who have responded with no record being reported to me! I know they haven't provide your company with the information. I further looked at XXXX records and it reported case number as invalid. I received the case number from Trans Union who states you provided with with the data. I have also learned that you will claim your company is not a credit reporting agency but a third party data collection company. I really don't care which one you claim to be I do know legally public records are not formatted to meet CGGR standards or defined as a consumer report under FCRA. I learned that from a company called XXXX when they too had to remove this information from their records. I have provided you with their response to a CFPB complaint filed against them on XX/XX/2022. They responded and removed the inaccurate information on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND USED MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

for the past 2 years I constantly received phone calls from a company XXXX XXXX XXXX XXXX claiming I owe Toyota {$31000.00}. 

I actually was/did have a dispute with Toyota about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with toyota, as it was a result of a accident and my insurance didn't pay the full about. 


FACTS! 

1 ) Toyota told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX. 

2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here. 


however, this so called licensed debt collector called and harassed me that I owe toyota {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with Toyota. 


Yesterday I though I'm going to have a heart attach, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm XXXX XXXX XXXX XXXX which was the plaintiff for Toyota. 


How can such a thing happen, and how can they get away with this!!

# 1 there's no judgement # 2 if there is a judgement, why am I not aware of it? 
# 3 if there's a Jugdement why wasn't I served?

# 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be  {$75000.00} WE MUST STOP THIS CORRUPTION!! 

now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's fraud!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from the XXXX XXXX Department within Elan Financial Services " If you believe you were a victim of identity theft that resulted in the inquiry and there is additional documentation, such as a copy of a police report, or a fraud or identity theft affidavit, please contact us at XXXX ( we accept relay calls ) ... '' When the number was called, options beyond faxing or printing ( not personally available to the consumer ) were not available. As such, the identity theft documentation is attached. 

The context is as follows : There is a new inquiry from ELAN FINANCIAL on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. ELAN FINANCIAL Location XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone XXXX XXXX XXXX XXXXXXXX I received a letter in the mail dated XX/XX/2022, with a reference ID of XXXX indicating Elan Financial Services pulled my credit report ( on XX/XX/2022 ) without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by Elan Financial ( on XX/XX/2022 ) is attached for your reference.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate charge-off and closed account on my credit report associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account has been disputed several times with no effective results. I believe that this charge-off and account closure are incorrect and request a thorough investigation into the matter for the following reasons : The information being reported on my credit report does not accurately reflect the status of my account with XXXX XXXX XXXX XXXX XXXX I have reviewed my records and found discrepancies that suggest errors in the reporting process. 

I did not receive any prior notification or adequate explanation from XXXX XXXX XXXX XXXX regarding the charge-off and account closure. According to my understanding, financial institutions are required to provide proper notification and an opportunity to rectify the situation before taking such drastic measures. This erroneous charge-off has negatively impacted my credit score and financial standing, causing undue XXXX  and financial difficulty. 

My payment history with XXXX XXXX XXXX XXXX has been consistently reliable and timely. The reported charge-off and closure do not align with my long-standing history of responsible account management. 

Enclosed are copies of my credit report, and I kindly ask for your assistance in ensuring that my credit report is corrected and reflects accurate information.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding the reporting of a bankruptcy record associated with my identity. My name is XXXX XXXX XXXX, and I am a subject of the bankruptcy case referenced as " XXXX XXXX XXXX '' ( Case No : XXXX ). This discrepancy in the spelling of my name has led to the inaccurate reporting of the bankruptcy on my credit report. 

On XX/XX/2024, I received a response from LexisNexis regarding a dispute I raised concerning the inaccurate reporting of a bankruptcy record. In your response, LexisNexis verified the bankruptcy record ( Case No : XXXX ) associated with my identity, citing that the bankruptcy was accurately reported based on information obtained from the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

However, it has come to my attention that the bankruptcy record erroneously spells my name as " XXXX XXXX XXXX. '' I have attached supporting documents, including a copy of the bankruptcy record, where my name is incorrectly spelled, and my official identification documents confirming the correct spelling of my name as " XXXX XXXX XXXX. '' The discrepancy in the spelling of my name is significant and has resulted in the erroneous reporting of the bankruptcy on my credit report. As per the Fair Credit Reporting Act ( FCRA ), accurate reporting of consumer information is paramount, and any discrepancies, such as misspelled names, must be deleted. 

Therefore, I kindly request that LexisNexis takes immediate action to rectify this error by deleting the bankruptcy record associated with the misspelled name " XXXX XXXX XXXX '' ( Case No : XXXX ) from my credit report. This action is necessary to ensure the accuracy and integrity of my credit history. 

XXXX XXXX Enclosures : Copy of Bankruptcy Record ( highlighting misspelled name ) Copy of Official Identification Documents ( confirming correct spelling of name )
Product: Vehicle loan or lease

I have a complaint against Ally Financial that was lodged with CFPB yesterday XX/XX/2021. 

I got a call from Ally Financial today, and it went well until the end where they were asking me for all sorts of things that were not pertinent to the situation where they put down the wrong odometer reading on my title. 

It's a mess and am VERY UPSET AND shaken. I was harassed just now by the person who called from Ally Financial. His name is XXXX XXXX. Phone number XXXX, option XXXX, option XXXX, ext. XXXX. His name is on the physical lease of my car that needs to be corrected. 

He made me very upset and I said, just fix the title. He admitted that an error was made. He started asking me all this stuff about the lien and I said if you have questions, ask the lienholder, XXXX. He refused. I said, I do not work for XXXX. I told him I am aggravated by this conversation and he needs to just fix the title. 

I DO NOT WANT TO BE CALLED BY THESE PEOPLE. It's XXXX pm CT. I will not be harassed. This is insult to injury.
Product: Debt collection

I received communication from Credit Bureau of Bessemer demanding payment for a debt that is not mines.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I went to cash my tax check and the teller said we can only dispurse my cashed check in XXXX. I said that's fine. Then she said I can't cash the check but I can deposit it into your account and it will be available after XXXX. I said that's fine. I deposited my check and a few hours later they placed a hold on my check for 2 weeks without disclosing any information. I had a choice and if I knew that I wouldn't have deposited the check. They could have disclosed that information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting upset because I still can see these items from my report. You have failed to send any proof or documentation bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus and XXXX XXXX alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : Experian reflects XXXX & XXXX  reflects XXXX. 
Experian reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
Experian reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet XXXX  reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, XXXX NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer report today, I have seen that there is fraudulent information and account specifically the XXXX XXXX XXXX Just so you know, I make sure to always pay on time in order not to incur any late payments or past dues. But this specific account is showing an instance of late payment which I am sure, a clear inaccuracy. This has caused me so much that I can't even move forward with my life because of this negative item. I attach screenshot. This needs to be cleared ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Experian, XXXX, XXXX violated by rights as a federally protected consumer. I have proof Experian, XXXX, XXXX is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Experian, XXXX, XXXX written consent to report any of my personal information. Experian, XXXX, XXXX  also violated 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Experian, XXXX, XXXX has stated they recived this information from the XXXX court house which is false. I spoke with the court house and they stated it is not there policy of the court to report to any credit agency.Experian, XXXX, XXXX has harmed my reputation and oppress me from receiving services or good pursuant to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent complaint and Experian responded back with an auto message,
Product: Credit reporting or other personal consumer reports

To date I have been unable to reach ChexSystems via phone regarding the urgent removal of the freeze in my report. I am attempting to open a bank account and this must be removed urgently. I am advised that a PIN has been mailed but this matter is time urgent and Ive yet to receive this PIN. 

Further I must dispute items on my report and need to speak immediately to someone in senior management to do so. 

Kindly ensure ChexSystems senior management contacts me urgently at XXXX to ensure the removal of this freeze and dispute assistance. 

Thank you kindly.
Product: Debt collection

For the past 4 years I have been dealing with collection accounts from XXXX in my credit report. XXXX XXXX XXXX Fail to investigate the accuracy and say there verified and continue to reinsert unverifiable data. 

Amounts are {$1500.00} {$710.00} {$1700.00} {$1100.00} {$1700.00} {$790.00} {$1400.00} {$1100.00} Disputed on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Accounts were removed numerous times and re inserted to credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$160000.00}
Product: Money transfer, virtual currency, or money service

Received email XX/XX/XXXX  stating that " You recently added the account ( s ) : XXXX XXXXXXXX XXXX Checking XXXX account '' with instructions to log on to FNBO Direct at a specific URL and Activate the external account in this " FNBO Funds Transfer '' service. 

This was my only alert or notification that something was wrong, and I do subscribe to XXXX for credit monitoring. 

I called FBNO Direct today XX/XX/XXXX  XXXX XXXX XXXX, and spoke to a woman who confirmed that the person initiating this fraudulent transaction has my name, email, social security number, address, and date of birth, and that I should report the fraud on ftc.gov, which led me here. 

There is nothing else that the government can or will do to help me, or to stop this type of thing from happening. I am not reassured at all. You can't even protect my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00}
Product: Mortgage

Our house burned down on XX/XX/23. The insurance company sent the check for {$610000.00} with my wife, I and SPS Mortgage company. We signed the check and sent it SPS Mtg on the XXXX. I called every day for 9 days, SPS stated that they didnt receive it up until the XXXX. The same day I was told by the Loss department of SPS that the check came.I revealed that the check was stopped and another endorsed check was sent on the XXXX. The check was cashed on the XXXX and I was told that it would take up to 30 days to receive my approximately {$470000.00}. I have called over XXXX times and never can get any definitive answer to what the actual procedure was and the last 4 times Ive called have received 4 different answers. SPS Mortgage has refused to give me my {$470000.00} dollars. How do I get my $?
Product: Credit card

My Macys account has been hacked. A scammer stopped my paper billing and changed it to electronic billing to an email address that is not mine. An account number has been changed ( last digits XXXX ) and charged approximately XXXX. 
I have called the company and have gotten no satisfaction. I have written to Macys Amex and the credit companies. I have filed a police report and put a freeze on my credit reports. Ive filed with ID theft and spoke with the Attny Gen regarding this issue. My credit has been damaged due to this identity theft and has not been restored.
Product: Credit reporting or other personal consumer reports

XXXX XXXX HAS BEEN ADVISED THAT THIS ACCOUNT IS FRAUDULENT AND OPENED IN MY NAME WITHOUT MY CONSENT SO NOW THIS COMPLAINT/DISPUTE IS A DEMAND UNDER SECTION 15 USC 1692 ( a ) ( B ) CEASE AND DESIST ALL COLLECTIONS AND DATA REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Amount {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires 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

In accordance with the fair credit reporting act. The list of accounts has violated my Federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 sec 602 A, state that i have a right to privacy.

15USC section 604 A section 2 it also states a consumer reporting agency can not furnace a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse
items of information other than records of conviction of crimes, which antedate the report by more than seven years 15USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer any reporting consumer agency if the person knows or has responsible cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I believe that my rights have been violated as a Consumer in this consumer credit transaction. I was told that my loan was a direct lending loan and that I had different options as a person who goes about getting a loan indirectly. Ive called to get this rectified several times and my account got sent over to the Executive office. I found out that they were not placed as a lien holder on my vehicle and now they are attempting to place themselves on my vehicle as a lien holder. Ive attached an affidavit of Truth and Facts along with a Validation of debt and a invoice with the consumer laws Wells Fargo has violated. Under 15 USC 1635a, I have a right to rescind any Consumer credit transaction and it should've been disclosed to me in which it was not, which is a violation of Truth in Lending. Also 15 USC 1635b gives me the right to return money or property following rescission, in which I didn't have a choice to do so as it was not disclosed and is a result of a violation of Truth in Lending. *THIS information stated is in the AFFIDAVIT ATTACHED***