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

I have fraudulent accounts and inquiries appearing on my 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 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

In agreement with the Fair Credit Reporting act. The List of records underneath has abused my governmentally safeguarded customer privileges to security and classification under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX I Do Not Live There. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The accounts listed above have disregarded my rights. 

15 U.S.C 1681 area 602 A. States I reserve the privilege to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It additionally expresses a shopper detailing office can't outfit a record without my composed instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer revealing office might make any purchaser report containing any of the accompanying things of data Any other unfavorable thing of data, other than records of convictions of wrongdoings which precedes the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) An individual will not outfit any data connecting with a purchaser to any customer detailing organization assuming the individual knows or has sensible reason to accept that the data is inaccurate.
Product: Vehicle loan or lease

I have had multiple XXXX of new XXXX and XXXX cars in my life. I am literally like their best customer since XXXX. We have a XXXX XXXX, a XXXX XXXX, and decided to get a new $ XXXX XXXX XXXX. I went to their financial web site and applied for pre-approval, as I have done many many times over the years. I filled out their credit application and it said it was done. I submitted it, as I have always done. It said I would have an answer in 1 business day. XXXX ran my credit. That was almost a month ago. Their web site still says I will have an answer in XXXX business day. Because I had lined up a new car and my dealer was anxious to get it sold, I started calling asking for their help. The representatives at XXXX hang up on me, repeatedly promise me supervisor call backs that never come, and even outright lie to me. I was provided a case number ( XXXX ) that Ive subsequently been told isnt a real case number. They gave me an email to write to ( XXXX ) that goes nowhere. One agent told me my application was stuck and an IT ticket had been submitted to have it fixed, but who know if that is even real since so many lies have been told. I reached out to XXXX XXXX XXXX ( which is supposed to help me as their multiple car customer ), and reached a series of even ruder and less-helpful agents who simply hang up. XXXX says it is open until XXXX in my time zone, but they have been closed before 5. This isnt even about the car anymore. I regret ever giving a dime to a company who treats very good customers like this. This is a horrible way to treat somebody. They told me I had to go to an XXXX dealer. I did. They couldnt get any help. I went to the XXXX dealer that sold us the XXXX XXXX in XXXX. They reached out to their factory rep. Again, nothing. What is worse? Their web site prohibits me from filling out another application for 30 days, so my choices are to live with the meaningless credit hit or wait 30 days and take another credit ding for the same transaction and hope I dont end up in this spot again. My dealer has agreed to return my deposit but I also feel bad they have an unsold car now. I am so sorry I ever got involved with XXXX or XXXX. Absolutely rock bottom east Texas tire fire customer service. Bottom of the barrel. Nothing like giving a lifetime of money to people only to have them hang up on you and lie to you. I could not be more disgusted and will never buy another one again. They owe me an apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 however you have closed it on the same day. I sent a letter to the 3 Credit Bureaus last XX/XX/22 to update this suspicious accounts. 
I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Please see the accounts that are reporting inaccurately on my credit profile : XXXX XXXX XXXX XXXX Balance : {$60000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Unverified Information To Whom It May Concern : I am writing to file a formal complaint regarding the unresolved inaccuracies and unverified information on my credit report, which is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Despite my initial dispute with the credit reporting agency ( XXXX ) dated XX/XX/XXXX, the disputed items have not been corrected or removed. 

Details of Disputed Accounts : Account XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : Revolving - Credit Card Date Opened : XXXX Balance : {$0.00} Credit Limit : {$300.00} High Credit : {$430.00} Payment Status : As Agreed Late Payment Status : Was 30 Days Late 2 Times Comments : Current Account/Was 30 Days Past Due Date Two Times, Account Information Disputed By Consumer Discrepancies : Reported with both XXXX and XXXX as Date Last Active. 

Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Type : Installment/Open - Factoring Company Account Date Opened : XXXX Balance : {$2600.00} High Credit : {$2600.00} Payment Status : Collection or Charge Off Late Payment Status : Was 90 Days Late 18 Times Comments : Account Seriously Past Due Date/Account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department , Account Information Disputed By Consumer Discrepancies : Reported with conflicting statuses ( Closed and Open ) and impossible dates ( XXXX and XXXX ) as Date Last Active. 

Disputed Items and Grounds for Complaint : Despite my request for verification under FCRA 609 ( a ) ( 1 ) ( A ), the credit reporting agency failed to provide the necessary documentation or correct the inaccuracies.

Inaccurate Reporting and Impossible Dates : Account 1 : The Date Last Active has been updated with an impossible future date ( XXXX ), indicating erroneous reporting. 

Account 2 : The account can not be simultaneously reported as both " Closed '' and " Open, '' and it contains impossible dates ( XXXX and XXXX ). 

Erroneous Late Payment Claims : Account 2 : It is reported that I was 90 days late 18 times, which is mathematically impossible given the account 's opening date of XX/XX/XXXX, and the current date. 

These inaccuracies suggest a failure to maintain reasonable procedures to assure maximum possible accuracy of the information reported, as required by FCRA 623 ( a ) ( 1 ) ( A ). I have requested that the credit reporting agency delete the unverifiable and inaccurate information as required under FCRA 611 ( a ) ( 5 ) ( A ).
Product: Credit reporting or other personal consumer reports

Customer Service was unable to access my account. Customer Service unable to send me valid verification number to access account. XX/XX/year> copy of automated response from Equifax.
Product: Credit reporting or other personal consumer reports

I recently discovered that I am the victim of identity theft and have had several accounts, leases, utilities taken out in my name fraudulently. 

I learned his information after being denied for a lease due to information found on my credit bureau reports to which this account was included. I got a police report and a FTC Identity Theft report as well as medical documents detailing my complete XXXX XXXX and information on the perpetrator of the fraud, this was furnished to each of the credit bureaus when obtaining my initial fraud alert and issuing security freezes. I was assured they would block this information from appearing on my report and furnish the businesses with this information so they could take appropriate actions for their companies. 

All went well until recently when XXXX XXXX  decided to assert their right to " reinsert '' information back onto my credit bureau reports stating they had verified the account. I asked both the credit bureaus and XXXX XXXX for the documentation used to make this determination, but was told the investigation was done and they could provide no further assistance save for a 100 word consumer statement. 

This account is having serious, detrimental effects on my life. Just taking my immediate situation into account, I am currently unable to obtain housing because of the detrimental payment history and balances created as a result of this identity theft event. After furnishing medical records showing my complete incapacitation, documents from law enforcement, namely a police report and FTC Identity Theft report, and information on the identity of perpetrator and their incarceration I simply can not accept a 100 word statement for an account I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to provide me the documents their company used to provide verification of the accounts I disputed. They have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information that can not be verified that I have disputed. Thank you in advance for resolving this matter as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. Attached is the cashed check with the agreement of being cashed debt will be XXXX and removed from my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I purchased/recieved a laptop from XXXX. I bought it through the seller XXXX XXXX It was a XXXX XXXX XXXX. I purchased in via cash app for XXXX. It was advertised as a BRAND NEW, WORKING computer. It said everything was in working order. I got it, the power button didn't work ( XX/XX/24 ) I had to flip the computer upside down and use a sim key pin to turn it on via the novo button ( its a XXXX ), the stylus included didn't work. Then it stopped working barely a month later. ( XX/XX/24 ) The seller refused to refund me as it was outside of the XXXX money back guarentee and return window. The said the product I recieved was working at the time despite it not working fully. They told me to talk to cash app and get a chargeback. I try to contact cash app ( XX/XX/24 ) and they denied my appeal for a chargeback twice. They say that the product was correctly recieved though it was false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX AR XXXX XXXX XXXX
Product: Debt collection

OnXX/XX/2021 I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.
Product: Credit card

Subject : Complaint Regarding Credit Limit Reduction on Apple Card To Whom It May Concern, I am writing to file a formal complaint regarding the sudden and significant reduction of my credit limit on my Apple Card issued by Goldman Sachs. My credit limit was reduced from {$4500.00} to {$500.00} without prior notice, and the stated reason was a drop in my credit score.

I have always been a responsible cardholder, consistently paying my balance in full and on time. This decision has negatively impacted my financial planning and could potentially harm my credit utilization ratio, which in turn might further affect my credit score.

I kindly request clarification regarding : 1. Whether I can appeal or request a reconsideration of my credit limit.

Thank you for reviewing my complaint. I look forward to your response and resolution of this matter. 

Sincerely, [ 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

Im a victim of identity theft, I have gone through all the proper channels and notified all the proper authorities regarding this. Bank accounts and auto loans have been taken out in my name without my knowledge or authorization. Credit cards applications have been submitted in my name resulting in numerous of hard inquiries on my credit reports. Ive tried disputing these issues with Equifax Ive sent letters and filed disputes online multiple times regarding the auto loan they keep reporting but they give little to no response all they say is verified then when I ask for information pertaining to their investigation that the law states Im entitled to I get completely ignored. They have not provided the correspondence of the people they spoke to during their so called investigation. Ive asked for the names and addresses and the phone numbers of the people they spoke to Ive asked for any documents pertaining to the auto loan, all I get is verified .On top of that issue multiple inquiries were done on equifax credit report Ive called and sent letters with the FTC reports I filed also the police report complaint number from the police report I did to dispute those inquiries and their response was inquiries are factual. If Im a victim of identity theft how are the inquiries fact. They are incompetent and dumber then a bag of rocks with a response like that, just recently more inquiries were done on my equifax credit report. I called the police again and did another FTC report and when I notified them they gave me the same response inquiries are fact. It was then that I made up my mind and just do what my attorney has been clamoring to do since they supposedly verified the auto loan. My attorney is getting the necessary paperwork to file a lawsuit against equifax in a court of competent jurisdiction. Im filing this complaint because I want the United States government and its citizens to know that equifax has shown its incompetence with that data breach they had and they are law breakers who have no respect for consumers of the United States and this is a company trusted with the data on millions of Americans.
Product: Credit reporting

Requested that Equifax provide proof of how they verified the following accounts for accuracy : 1. XXXX.-Account # XXXX ... 
2.XXXXAccount # : XXXX ... 
Please provide the proof that has been requested several times and never sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to the credit bureaus in regards to inaccurate reporting from a collection agency. The bureaus keep verifying this information and refuse to do a thorough investigation. I have filed two complaints on XXXX XXXX  about this issue as well. Nobody is trying to investigate this companys inaccurate reporting. The bureaus are failing to do their job as well. I have sent in proof they are lying about the amount owed but nobody is doing their job. Someone needs to thoroughly investigate my request. They refuse to send me proper validation of this alleged debt after several attempts. If my credit report is reporting one amount and statements they send me say another how is that accurate? The fcra says they must report complete and accurate information in which they are not. The bureaus are not doing their job and neither are the collection agencies.
Product: Debt collection

my complaint is a bout ''CAPSTONE CREDIT COLLECTION LLC" trying to collect a debt that is past due and legally past the statues of limitations to e, also the 3 credit bureaus want tell me how the account was verified.In North Carolina, Section 1-52.1 of North Carolina Rules of Civil Procedure Explains the statue of limitations for debts is 3 years for auto and installment loans, promissory notes and credit cards, Also there wasn’t any proof of the debt sent to me showing how it was verified. I'm having problems having this debt removed under the laws of the FCRA that states if the account is unverifiable it most be removed from all 3 credit bureaus this account is really effecting my future plans for me and my family please help me address this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,Account number XXXX  UnverifiableCAPSTONE CREDIT SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

(XXXX) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For years   XXXX    XXXX   XXXX  reported only to experian about  XXXX  debt I do not owe, according to experian they 've verified that I owe  XXXX   XXXX   XXXX  these  XXXX   XXXX , not sure how because  XXXX   XXXX   XXXX  was never able to validate with me. experian has refused to re-investigate and after many years will not re-investigate the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( XXXX XXXX XXXX ). XXXX XXXXXXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Social Security XXXX I have recently been informed that there is negative information reported by Bankruptcy in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see three entry listings of Dismissed Bankruptcy as follows XXXX XXXX XXXX bankruptcy dismissed, account number : XXXX XXXX XXXX XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Bankruptcy and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Further, I DO NOT CONSENT to any automatic verification procedures and/or processes that your agency may use. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B requires us to delete any inaccurate accounts from my credit report. Can you verify the documents? Some accounts have inaccuracies in the reporting, such as wrong amounts and dates.