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

On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX for amount de {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car differed from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on XXXX at XXXX miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX XXXX to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for XXXX month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX. I cancelled the insurance ( XXXX ). As XXXX Car  Dealer gave me the XXXX license plate, XXXX Car Dealer told me they will return the license plate to DMV. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to DMV New York.
Product: Credit card

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Only have one home address ; all other addresses on the report are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Writing to you to express my deep concerns over the fraudulent accounts on my consumer report. I was shocked to learn that I was a victim of Identity Theft, which has caused a negative impact in my credit history and on my financial wellbeing. This has been hurting me as I am in the process of purchasing a home for me and my family. I am Emotionally distressed and need these fraudulent accounts to be remove within XXXX days of receipt. 
Accounts below : 1. XXXX XXXX XXXX.. 
XXXX. XXXXXXXX XXXX XXXXXXXX..
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill is legal obligation under the Fair credit reporting act ( FCRA ) TO CONDUCT A REASONABLE REINVESTIGATION OF THE DISPUTED INFORMATION ON MY CREDIT REPORT. LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIENCE, ALLEGING SYSTEMATIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER PROVIDED EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTE OUTCOMES. THESE FAILURES ALIGN WITH MY EXPERIENCE, WHERE EXPERIENCE HAS NEITHER CORRECTED NOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED, CAUSING ONGOING HARM TO MY CREDIT STANDING. I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS, AS EXPERIENCE IN ACTION VIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : TRANSUNION CREDIT BUREAU ; 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I HAVE NEVER GAVE TRANSUNION PERMISSION TO FURNISH OR PUBLISH ANY ACCIUNT INFORMATION RELATED TO THESE COMPANIES. I HAVE CONTACTED TRANSUNION VIA CERIFIED MAIL AND PHONE AND INSTRUCTED THEM TO BLOCK OUT FRAUD ITEMS AND THEY REFUSED. I CONTACTED THEM AND ASKED THEM TO PLEASE NOT ALLOW ANY OF THE ABOVE MENTIONED COMPAINES TO BE ABLE TO FURNISH ACCOUNTS ON CREDIT FILE OR HAVE ACCESS TO MY INFORMATION AND TRANSUNION VIOLATED MY RIGHTS AND ALLOWED THESE COMPAINES INTO MY PERSONAL CREDIT FILE
Product: Credit card or prepaid card

On XXXX while buying an XXXX XXXX ticket I responded to a promotion to open a cobranded card advertising XXXX  airline miles after {$750.00} spend in 3 months and another XXXX miles with a total of {$5000.00} in 6 months. During the same transaction I received a second promotion to receive XXXX airline miles after {$1000.00} spend in 3 months. Later in the same transaction I received a third offer to " earn XXXX  bonus miles plus, get up to {$100.00} in statement credits after qualifying purchases with this credit card offer. '' Which was offered to be applied to the ticket I was purchasing at the time. <P/>The card was approved but Citibank and the promo I received was XXXX airline miles after {$1000.00} spend in 3 months. The least favorable of the promotions offered and not the original promotional terms. <P/>I have contacted the bank immediately after the approval regarding the multiple offers and requesting clarification and was told the account was still processing and to call back after I got the card. Was also given 3 different phone numbers to call during the conversation. Have called the bank at least 3 times since receiving the card and am told I did not get more than one offer and that I received the offer I was supposed to get. I did capture copies of the offers while signing up so find the response incorrect and rather misleading.
Product: Credit reporting

Transunion updated an old account ( XXXX XXXX CR XXXX # XXXX ) that was never late to 30 days past due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, Transunion, XXXX, and XXXX  all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX  ( XXXX ), ( 2 ) XXXX/XXXX XXXX-Banks ( XXXX ), ( 3 ) XXXX- MORTGAGE ( XXXX ), ( 4 ) XXXX XXXX ( XXXX ), ( 5 ) XXXX XXXX XXXX XXXX ), ( 6 ) XXXX XXXX ( XXXX ), ( 7 ) XXXX XXXX ( XXXX ), ( 8 ) XXXX XXXX XXXX ( XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XXXX ), ( 10 ) XXXX XXXX XXXX ( XXXX ), ( 11 ) XXXX XXXX  ( XXXX ), ( 12 ) XXXX XXXX ( XXXX ), ( 13 ) XXXX/XXXX XXXX ( XXXX ), ( 14 ) XXXX XXXX ( XXXX )
Product: Vehicle loan or lease

In reference to file # XXXX in the matter of Santander Consumer USA Inc. 
I am an Affected Consumer in this Consent Order and need to know the status in which Santander sent or plan to send me check and apply a statement credit to my account. 

I contacted Santander on Tuesday, XXXX XXXX and on Wednesday, XX/XX/2019 requesting information regarding this and was told they were not aware of the Consent Order and that there is no one within their organization that could assist me and was unable to provide me with any other contact phone numbers. 

I believe I have the right know if Santander is following up on the stipulations order by the court and what the timeline is. 

In the meantime, their fraudulent activities has case undue stress not to mention the negative impact on my credit report. 

Please provide me with information on this matter including any further steps I can take as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 item and update it immediately in my report : XXXX XXXX XXXX. Please repair and update immediately.
Product: Debt collection

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

I am requesting that ARSI provide me with the Purchase Agreement, bill of sale, and why they entitled to collect on this debt. I do not owe said amount, I did not enter into a contract with ARSI. Please remove the negative reporting from my credit report.

( B ) Reporting information after notice and confirmation of errors ARSI is in violation of 15 USC Section 1681 S2. " A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

DSR debt collection company keeps calling harassing myself, my daughter, my father, and my brother. I talked to them last week and told them to stop calling my family. They refused and continue to do so. I also asked for a debt validation letter, which they refuse to provide. They stated that supposedly they mailed something last year. I advised that I havent lived at that address for over a year. The rep was still rude and continues to call and harass myself and my family.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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

I notified this sender to say they're texting the wrong person but they continue to send these debt collector text messages and it is disconcerting and annoying and I'm very concerned that they're able to hack through our phone numbers, emails, etc. Something needs to be done. I continually received these, and other phishing emails and phone calls. I refuse to tolerate this.
Product: Credit card or prepaid card

Someone has continuously hacked into my American Express account and opened up a credit card in my name and changed all the information
Product: Debt collection

I sent a debt validation letter one XX/XX/23. This was delivered via certified mail USPS on XX/XX/23 at XXXX. I have not received any communication from this company.
Product: Debt collection

I have received a letter dated XX/XX/2019, from Resurgent Capital Services, on behalf of LVNV Funding LLC, I want them to stop contact me using any communicating no matter what state they decide to/or doing business in and I dispute the {$850.00}, LVNV Funding LLC last attempt was in XX/XX/2019 at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, I provided his office with a dispute letter and a list of items for verification of the debt {$850.00} and it has been past 30 days and his office has not provided me with anything. after several weeks went by I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX, and ask about the debt verification letter I sent and his office has informed me they are no longer representing LVNV Funding LLC in this matter. I called Resurgent Capital Services and asked was they same people sending me a letter from XXXX XXXX XXXX XXXX Mi XXXX and Resurgent Capital Services office said that was not them. I said that XXXX search and online court documents pointing you are the same people from XXXX SC Resurgent Capital Services office told me that they can not speak to me because A cease and desist on my account and I need to give them permission to remove it and I said no I will not remove the cease and desist I also contacted the State of Michigan, XXXX XXXX and Regulatory Affairs who informed me that Resurgent Capital Services are do business in Michigan as a collection agency and used XXXX SC as a contact the same address is on my letter. LVNV Funding LLC, have tried ever harassment technique to communicate with me through different collection agencies each of them was unable to verify the debt this has been going on for about 1-2 years I will no longer entertain Resurgent Capital Services and LVNV Funding LLC and the collection agency it hires. The address on the XX/XX/2019 letter has XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX SC XXXX and Resurgent Capital Services customer service representative said they was not the same people I would like to file a complaint with the The Consumer Financial Protection Bureau
Product: Credit card or prepaid card

I received a phone call from XXXX and he said that he was with Chase Fraud department and they were calling regarding a potential fraud charge on my account. He said it was for {$2200.00} from XXXX and it was being charged from NC. He told me the last four of my credit card account. I couldn't remember having a Chase card, so I went to login and I saw the account was closed and the last payment was XX/XX/XXXX. The scary part is he told me the exact amount of my last payment. He asked me if I had possession of my card and asked if I was the only authorized user. I told him I had to call my husband. He told me to call him back directly at XXXX extension XXXX, I thought he said his name was XXXX XXXX but it was garbled. I called Chase directly and confirmed my account was closed and they told me that is how scammers work and they would never call me from a local number. Chase told me to block the number and do not give the guy any more information. A few minutes after I hung up I got a call from XXXX and it was the same guy he asked if I spoke with my husband, I hung up on him and blocked him. he then called me from XXXX after I answered and heard his voice I hung up and blocked him. This happened today XX/XX/XXXX first call was at XXXX and was 8 minutes long, then XXXX and XXXX.
Product: Credit reporting

I believe I am the victim of identity theft and was trying to improve my credit score. Everytime I try and view my score though annualcreditscore.com it tells me that my data is unavailable or something crazy even though I know I am giving the right social security number. Its also preventing me from getting a past XXXX.
Product: Credit reporting or other personal consumer reports

My credit score went down by 19 %. Improper credit report was reported from my student loan payment. Credit report in incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in removing the accounts from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to remove them from my credit report. 

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 am writing to formally dispute the inaccurate reporting of my payment history for the XXXX XXXX account XXXX Account Number : XXXX ). The payment history reported for this account is incomplete and does not reflect accurate information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum accuracy of the information reported on consumer credit reports. Despite my previous dispute, the information has not been corrected, which constitutes non-compliance with the law.
Product: Debt collection

GRIMM COLLECTIONS. 
I have a balance or {$800.00} on my credit report from a debt unknown. When speaking to female agent at GRIMM collections she was very unprofessional and rude. She would not explain what the debt was beyond " a XXXX bill '' I had asked her to provide me with a signed invoice stating I had any knowledge of a vet bill and she is unable to do so. I do not know why I am being charged from a veterinary office because I have not had any services done to my pets at Summit. I need help investigating as the lady working at GRIMM COLLECTIONS has hung up on me and treated me very poorly when I try to talk to her about this. She laughs at my frustration and mocks me when I have tried to explain that I do not know anything about this balance and she refuses to help me investigate it and has told me " I will not look into it and this debt will not be removed ''
Product: Debt or credit management

I used Lexington Law or CreditRepair.com for XXXX XXXX XXXX purchased between XX/XX/XXXX and XX/XX/XXXX after being subject to telemarketing regarding XXXX XXXX XXXX XXXX. After they took thousands of dollars from me my credit remained the same if not worse
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX  XXXX and the major credit bureaus TransUnion XXXX XXXX XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX XXXXXXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from TransUnion, XXXX XXXX XXXX They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with TransUnion, XXXX, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting

My child 's identity has been stolen, it shows a XXXX 's credit at XXXX TX, he 's social security number has been used by this person since 2010, I have reported this issue to XXXX. and nobody has seem to help me and my child in this issue.