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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 usc 241 and 242 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 All parties failed to conduct a reasonable investigation pursuant to the FCRA, they failed to review all relevant information provided by me pursuant to the FCRA, failed to correct and update the accounts credit report, and failed to take appropriate measures upon notice of the disputed debt as outlined in the FCRA. The Complaint asserts a single cause of action alleging numerous and multiple willful, reckless or negligent violations of the FCRA, and seeks actual and statutory damages pursuant to 15 U.S.C. 1681n ( a ) ( 1 ), punitive damages pursuant to 15 U.S.C. 1681n ( a ) ( 2 ), and reasonable attorneys fees as iam Attorney-in-fact and costs pursuant to 15 U.S.C. 1681n ( a ) ( 3In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution.

18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act I wish the every violation get investigated.in an timely manner thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is yet another giving you formal legal notification of my DEMAND for you to CEASE and DESIST any and all ACTIVITIES in regards to the above notated derogatorily made known mis- information as it is significantly in infraction of requisites for lawful reporting much less substantially not provable in its certifiability of the mandatorily perfect correct and intact Metro 2 format compliant reporting in conjunction with the factually required perfect and physically verifiable valid and demonstrated truth of reporting, accuracy of reporting, completeness of reporting and certified compliance of reporting elsewise, mentioned here or not! might I remind you that ONLY PHYSICALLY VERIFIED VALID derogatory claims that are perfectly correct and completely certified compliant in its reporting, how divulged, and such are all MANDATORY CRITERIA for REPORTING, NOT OPTIONAL. I DEMAND that you PROVE each the Verifiability, VALIDITY, and CERTIFIED perfect Metro 2 format compliant reporting or else IMMEDIATELY REMOVE any and all derogatory data or facts supposed or elsewise revealed, now and in future. I here now DEMAND that you act in FULL ACCORDANCE of regulatory laws and standards of reporting practices, mentioned by me or not. ANY deficiency to do so is lawful dereliction of responsible and required reporting and will be deemed your WILLFUL disregarding of your behaviors and an unlawful injurious harassment of me and my consumer rights, for which I can and may indeed file civil suit versus you for a court-ordered resolution and monetary gains for me FROM YOU! TREAD lightly with your unproven claims not compliantly reported cooperatively disclosed! AGAIN, CEASE and DESIST all reporting activities for the above titled derogatory listed student loan account ( s ) and aspect ( s ) of said derogatory claims still yet unproven and not certified within requirements reputed. Surely you realize that it is ILLEGAL to or report misleading or unproven details, especially considering a composed consumer compliant notifying you of said issues so please annul the following illegally proclaimed allegation here and now because in FACT the below mentioned allegations suggestions of any delinquent and or derogatory-conditioned item ( s ) of allegation fail to meet even MINIMUM requisites of adequate reporting so black out from reporting now! Being my RIGHT, I DEMAND that you IMMEDIATELY DELETE and forevermore afterwards BLOCK the misreported misinformation highlighted in the attached documents.
Product: Debt collection

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I am writing to dispute this late payment and request its removal or correction from my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report that were opened or reported as a result of identity theft related to a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent accounts removed from my credit file. 
Please block and delete the following accounts due to their fraudulent nature : XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$31.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$320.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX CRED - XXXX - XX/XX/XXXX XXXX {$880.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX  - XXXX - XX/XX/XXXX - {$5500.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$900.00} XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$880.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$970.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00}
Product: Vehicle loan or lease

On XX/XX/XXXX my bank sent the pay off to Kia to payoff my lease and purchase the car. I mailed in the Odometer statement to the address provided on the statement. On XX/XX/XXXX I received a letter in the mail with a Bill of Sale I needed to sign and a place to fax it too. ( Please see original letter ) I faxed it to the number on the letter on XX/XX/XXXX ( see first fax receipt ). On XX/XX/XXXX I received notice from my bank, the new lien holder, that I needed to provide proof of insurance. However, I can not do this until I receive the title and can register the car in my name. On XX/XX/XXXX I called Kia and spoke with a customer service rep who said it had not been received and I should fax it to a different number XXXX XXXX XXXX XXXX. I did this immediately ( please see second fax receipt ). 

Today, XX/XX/XXXX, I called Kia again to confirm the bill of sale had be received. The customer service rep said it had not been. I asked to speak with a supervisor. The supervisor informed that I needed to send it to the XXXX XXXX XXXX XXXX fax number. When I told her I have a receipt that I did so and I needed the title immediately since I had to get the car registered as I can not drive it currently without. I asked her what I needed to do to get the Bill of Sale send over immediately. She told me there was nothing she could go and told me she was terminating our phone call. 

My car has been paid off since XX/XX/XXXX and Kia is refusing to send me the title. I can not drive my car and have had to walk to work for over a month now.
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed from my credit file.
Product: Credit reporting

I 've sent Equifax XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Equifax takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

this information was reported without my consent, collection agency, cavalry portfolio services, i dispute it with the XXXX credit reporting agencies, date assigned, XXXX XXXX
Product: Debt collection

1. On XX/XX/XXXX Respondent XXXX  XXXX, an apartment complex, transmitted a move-out statement showing a purported debt of {$4800.00} for rents, fees, etc. purportedly owed for XXXX and XX/XX/XXXX. 

2. On XX/XX/XXXX Complainant, an individual, disputed and denied the validity, amounts, dates, reasons, and objectively false representations contained therein, in totality, in writing. Prior, on XX/XX/XXXX the Complainant fully and absolutely vacated and relinquished the leased premises, without further access thereto, surrendering possession to XXXX XXXX. 

3. On XX/XX/XXXX [ Second Notice ], ( i ) XX/XX/XXXX [ Third Notice ], ( ii ) XX/XX/XXXX [ Fourth Notice ], and ( iii ) XX/XX/XXXX [ Final Notice ] XXXX XXXX attempted to extort {$4800.00} from the undersigned using ( i ) maliciously invented, invalid debts without factual or legal basis, ( ii ) objectively, provably false and unreasonable representations of the undersigneds prior tenancy ending on XX/XX/XXXX, and ( iii ) explicit threats of abuse of legal process, malicious prosecution, and corrupt influence of judicial proceedings. 

4. On or about XX/XX/XXXX, Respondent XXXX XXXX directed it's debt collection agent, Hunter Warfield , Inc., to initiate collection activities to obtain the unlawful debt. The Complainant exercised his rights under the Fair Debt Collection Practices Act. This complaint follows.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, my wife and I made a large payment to an installment loan we originated through EnerBank USA. At the time of the payment, we were informed that EnerBank does not have the ability to process principal only payments, which I found to be odd in and of itself. 

We submitted the payment in an effort to pay off our note faster and reduce the principal balance. On XX/XX/year>, I noticed that our normal monthly payment had not been debited from our checking account since we made the payment on XX/XX/year>. This morning, XX/XX/year>, I spoke with EnerBank and was informed that due to the payment in XXXX, our monthly payments were deferred until XXXX, however, we were still accruing interest daily on our account ( approximately $ XXXX ). I informed the representative that it was not disclosed to us that our payments would be deferred as we had established a monthly auto-draft. I requested that EnerBank waive the accrued interest as it wasn't disclosed at the time of the payment that XXXX our payments would be deferred, and XXXX that we would accrue interest in the period of deferment. The representative stated that this information was presented in the terms and conditions of our loan, however it was never to disclosed to us verbally at the time of payment. Had my wife and I known that we would continue to accrue interest, we would have made additional payments to reduce the interest impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint under 15 USC 1681 regarding my credit report. As a natural person and a living human being, I have certain rights that are protected under this law and the Fair Credit Reporting Act. Unfortunately, the consumer reporting agencies have violated my rights several times, and I am requesting that the following accounts be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ALCHILDSUPT- XXXX These accounts have been included on my credit report without my permission, which is a violation of 15 U.S.C 1681 section 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. Finally, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making any consumer report that contains adverse information other than records of convictions of crimes that predate the report by more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the inclusion of the aforementioned accounts on my credit report is inaccurate, and I am requesting that they be removed immediately. 

I would also like to bring to your attention two fraudulent inquiries that were made on my credit report without my authorization : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TransUnion I have contacted these companies and they have no proof that I authorized these inquiries or that they had a permissible purpose to make them. Therefore, I request that these inquiries be removed from my credit report as well. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Apartment complex giving a total different amount that's being reported. Plus was making payment arrangement before account went to debt collector. Now it's reporting all three of my credit report and also my daughters as well because she was on the lease ....
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

PUBLIC RECORDS : Public Record - U.S. Bankruptcy XXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Product: Debt collection

Id like to report an unanswered billing error with XXXX XXXX Bridgecrest Auto Finance, that requires proof of account and how much of the debt, if any, is still owed. I conditionally accept their offer upon proof of their claim. 
On XX/XX/2024 we sent in our initial payment. It was returned to me on XX/XX/2024 as unacceptable. I reported the billing error via email on XX/XX/2024 AND via Registered Mail on XX/XX/2024 via Certified post with tracking # XXXX. The latter was sent to their Corporate address at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Copies of documentation sent are attached. ( attached 1099 A copy and the recission letter )
Product: Credit reporting

I have sent in request for corrections, updating or removal of XXXX, XXXX XXXX XXXX WHICH ARE PAID IN FULL. I HAVE SENT REQUEST TO THE BANKS AND WAS GIVEN STATEMENT OF PAID. XXXX HAVE MADE CORRECTIONS BUT THE ABOVE AGENCIES HAVE NOT.
Product: Credit reporting or other personal consumer reports

My information was shared without my permission. Information was used without my permission. 
For example my information was used without my permission to obtain Under the Truth in Lending Act 15 USC 1602 ( g ), credit card defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. 
I have also received data breach documentation that proves my information was given without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know who is looking at these complaints or is looking into this investigations, but who ever is conducting the investigation is completely ignoring the facts that I have presented in the documents attached. which means that they are reviewing the documents with the violation that I have circled in red, and blatantly ignoring them. How can an investigation of illegal re-aging come back as verified and accurate? wouldn't that suggest that the investigator is agreeing to what i am saying and pointing out? XXXX XXXXXXXX XXXX XXXX  dba XXXX XXXX is illegally re-aging collection accounts reporting on my credit. This is a serious violation of the FAIR CREDIT REPORTING & FAIR DEBT COLLECTION PRACTIE Act and is illegal. I can not get a mortgage loan or the job i want because of these inaccurate reporting. delete XXXX XXXX and XXXX XXXX accounts
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a dispute with XXXX over a collection account listed on my credit report. The issue pertains to the accuracy of the address associated with this account. 

Upon reviewing my credit report, I noticed that a collection account is attributed to a company located at an address in XXXX, Texas, when in fact, the company is situated in XXXX XXXX, Texas. This inaccurate address detail could potentially affect the legitimacy and reporting accuracy of the collection account. 

I took proactive steps to dispute this inaccuracy directly with XXXX. However, despite my efforts, XXXX failed to verify this crucial address detail before marking the collection account as accurate.
Product: Credit card or prepaid card

Capital One will not close my account. I want it closed ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and the account in question is XXXX XXXX. 

On XX/XX/XXXX I spoke with XXXX XXXX ( Executive Office of Customer Advocacy ) to discuss the accuracy of reporting using their system generated data being reported to your computer data. 

He advised that according to Experian, XXXX, and XXXX  the discharge date of the bankruptcy filed XX/XX/XXXX was discharged XX/XX/XXXX in which this is where XXXX got their information from. In addition, he also advised that the first date of delinquency was XX/XX/XXXX and was reported 60 days late on XX/XX/XXXX. According to Experian, the first date of delinquency is XX/XX/XXXX and there was a balance of {$1600.00} which is not indicated on either report. 

Why is there not a payment history for XXXX  or Experian to reflect the reporting and why was the payment history removed? As there is no uniformity or consistency amongst the reporting. 

Please send me copies of the documents that you have in each of my files for Experian, XXXX, and Experian. files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified using the E-Oscar system. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Vehicle loan or lease

XXXX XXXX  XXXX has repeatedly changed and incorrectly presented false late payment dates on my vehicle loan for which reflects on my consumer reports. The dates were first XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX ... whereas I've proven with bank statements proving I have never been 30 days late since last XX/XX/XXXX. All of which have been disputed and updated..yet the most recent disputed they changed from XX/XX/XXXX to XX/XX/XXXX. The accused late payment being reported is upon being in deferred agreement effective XX/XX/XXXX & XX/XX/XXXX, and payment was made within agreement. All of this has been documented with them and for my records. I have gone around and around and around with this institution and they can't get anything accurate. They have known my desire to refinance since this whole mess started in XX/XX/XXXX with late pays being reported and therefore making it impossible due to the gross negative & adverse reports being made to the bureaus making scores go down almost 40 pts on XXXX  just for late pay. Please please I request help in getting this rectified. Kindest Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/ ) I sent a letter regarding inaccurate XXXXate payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.