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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX/XXXX  Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX 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.
Product: Debt collection

Radius Global Solutions has been harassing for a bill I dont owe. XXXX is aware that their were unauthorized charges on this account I didnt make. If I get one more letter from XXXX or Radius Global I will be filing a sue against both parties immediately.
Product: Vehicle loan or lease

On  XXXX / XXXX / 2017 , I made a payment toward my car loa n ( my  payment is typically due on the  XXXX  of the month ). I was advised on  XXXX / XXXX / 2017 , that my payment was returned and required me to make a payment to bring the account current. The payment was made and I though nothing of it. On  XXXX / XXXX / 2017 , I received a notification from   XXXX    advising that the account was 30 days past due. When I contacted customer service I was advised that the company reports to the credit bureau on the  XXXX  of the month. I asked for a removal of the 30 day late because I did not understand this internal process and was declined. My payment history with the company is otherwise great.
Product: Debt collection

I received 2 debt collection letters from LEONARD & ASSOCIATES demanding payment for a total of {$160.00}. 
I did go to XXXX XXXX in 2 of its locations One is to get information and in another occasion I received an Attention by a Nurse not by a License Doctor, I fully dispute the amount this Debt Collector states in their 2 debt collection letters. 
I'm attaching a Dispute Letter to get the proper response from the Original Creditor as Well.
Product: Vehicle loan or lease

HELLO, MY NAME IS XXXX XXXX XXXX. I HAVE BEEN IN BUSINESS WITH XXXX FOR ALMOST 4 YEARS. I FIRST WENT FOR LEASE OF A XXXX XXXX XXXX ON XXXX OF XXXX THE XXXX NUMBER OF THAT VEHICLE IS XXXX AND THIS VEHICLE WAS IN AN ACCIDENT ON XX/XX/XXXX OF XXXX. I WAS SUPPOSE TO TAKE MY VEHICLE TO THE TOYOTA BODY SHOP IN XXXX. I WAS TOLD MY VEHICLE WILL BE READY IN 2 WEEKS. THE TWO WEEKS DRAGGED ON FOR A MONTH. WHEN I WENT BACK FOR THE VEHICLE I WAS PERSUADED INTO GETTING A XXXX XXXX AT NO COST. THIS XXXX WAS SOLD TO ME FOR THE PRICE OF {$34000.00} I HAVE BEEN PAYING THIS VEHICLE FROM XX/XX/XXXX TIL XX/XX/XXXX WITHOUT MISSING A PAYMENT AND I STILL OWE XXXX XXXX XXXX ACCORDING TO TOYOTA. I TRIED TO SELL THIS CAR BECAUSE I AM XXXX TEMPORARILY AND CAN'T WORK DUE TO MY XXXX AS I AM AN XXXX XXXX AND THESE PEOPLE HAVE MY PAPERWORK AS A LEASE. I would like to get out of this contract. OR I WILL FILE FOR BANKRUPCY. EVERY TIME I CALL I'M TOLD IT IS FINANCED BUT EVERYWHERE ELSE IS BEING TOLD THAT I AM ON A LEASE. THERE IS A RANDOM REPORT ABOUT XXXX XXXX THAT IS ON MY REPORT AND NO ONE CAN TELL ME WHO AND WHAT THIS IS AND WHAT ACCIDENT OCCURRED ON XXXX XXXX OVER TWO WEEKS AFTER I GAVE THEM THE CAR TO FIX. THE ACCIDENT HAPPENED MEANWHILE THE CAR WAS OUT OF MY HANDS DURING THE TIME IT WAS IN THE COLLISION CENTER. I WAS NOT TOLD ANYTHING BY INSURANCE BY NO ONE. I FOUND OUT LOOKING FOR INSURANCE THAT'S WHEN I WAS TOLD 3 YEARS LATER AND THERE WAS A {$27000.00} PAYOUT. I DON'T OWE ANYTHING FOR THE XXXX XXXX I WANT TO KNOW HOW I CAN GET OUT OF THIS CONTRACT BECAUSE I STILL OWE WHAT I ALREADY PAID TO DATE WHICH IS OVER {$30000.00} OR I WILL FILE FOR BANKRUPTCY.
Product: Student loan

I initially submitted my application for the SAVE Income Driven Repayment plan to the department of education on XX/XX/2023. I submitted a copy of that application to Nelnet on XX/XX/2023 and received an email confirmation that it was received. The email stated " If we havent finished processing your application in 10 days, we will send a follow-up email to let you know ''. I received another email on XX/XX/2023 that the application in in a processing queue and this was the last update I received. I attempted to call Nelnet on XX/XX/XXXX and their phone system stated the wait time would be 30 minutes. I was on hold for an hour, nobody answered and I couldn't remain on hold. I called Nelnet again on XX/XX/XXXX and the wait time was an estimated 30 minutes. I waited on hold for 3 hours until a rep took my call. The rep was unable to give me any details on the status of the application and when it would be processed. The rep could not confirm that anybody would give me a call back or send me any kind of email update. There was a moment where the rep suggested that I upload pay stubs to their system but did not confirm that this would be a required step for the application. This is my typical experience with Nelnet. Their reps are never able to give you a strait answer and sound like they just started the job in the past week. They have cut off direct email communication from their customers and instead you have to fill out a form in the hopes that someone will contact you and the is zero confidence that they will. 

Their system states that I have an upcoming student loan payment due on XX/XX/XXXX. I have fulfilled my obligation in turning on my application. Now it's time for Nelnet to fulfill their own obligations and is they can't, they need to be dissolved and have my transfer my balance to a different servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX once again, and I am submitting this CFPB complaint one more time to dispute specified remaining inquiries in my file resulting from the crime. Once more the inquiries I am disputing do not relate to any transactions procuring any possession of goods, services or money that I have made or authorized. I will repeat that these inquiries are unknown to me. Also, the information provided by the Experian and XXXX XXXX on these inquiries were already DELETED from my XXXX Credit Report and I have doubts in the reporting accuracy shown in my Experian and XXXX Credit Reports, and the history on some inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I kindly request the Experian and XXXX XXXX to fully remove these inquiries in my credit file, listed below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a complaint last month about a debt reporting from this company that is not mine on XXXX. They agreed to remove it. That has been done but now they have added this false debt that is not mine to XXXX!!! I need this deleted immediately as I am trying to buy a house
Product: Credit reporting or other personal consumer reports

I am asking for your help with this inaccurate account shown on my credit report. This matter has affected my reputation, and I need your support.
Product: Credit reporting or other personal consumer reports

There are billing mistakes on my credit report, particularly late payments that don't reflect my usual payment behavior. Please make the necessary corrections and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any response from credit bureaus regarding this account : XXXX XXXX Account # XXXX
Product: Mortgage

Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where was check XXXX funds ( principal, interest, Escrow ) applied, and why?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Dispute Credit card XXXX XXXX XXXX XXXX XXXX maybe more than XXXX time with XXXX and I was contact to creditor more than XXXX time and explained to the This credit card open fraud and some one used my Identity fraud, I am victims on that and unfortunately today this collection goes to transaction and XXXX and heart my credit please help me to explain them this account open fraudlly and I am victims on this credit and I am not knowledge about who used my identity
Product: Debt collection

I received a phone call today from XXXX, it was an automated message stating my fiance, XXXX XXXX, owed a debt and it threatened court action if it was not settled. I remained on the line to speak with someone about it, and a guy came on the line and asked for a dispute number, I did not have one, so he put me on hold to look up XXXX XXXX. When he came back I was told that he owed overdraft fees of a US Bank checking account of {$1100.00}, and that with interest it would be {$1600.00}. I was told that a settlement letter was sent to our address 2 weeks prior to this phone call, and that after today, they were taking this case to court and after he would owe {$2900.00}, or we could settle the matter with {$1000.00}, but it had to be a cashier 's check or money order. The guy, who identified himself as XXXX XXXX, said he would put the case on hold for 2 hours, and sent me an email with a docusign document to sign and send the payment in with, I will not upload or have it faxed, I can not see the entire document. I spoke to XXXX about this, and he called US Bank who confirmed that this bank account was closed in 2013, there are not debts owed. I checked the Law Firm listed in the e-document, it is a vague website XXXX, and the phone number listed XXXX is listed as a scam online from many complaints. We are choosing not to respond any further to the phone calls, letters, or e-documents. XXXX XXXX knew our address and the last 4 digits of XXXX 's SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to use Transunion 's online dispute form, but it didn't give me any option to dispute a fraudulent credit inquiry. It gave me the option to request an investigation into the two credit cards I actually own, but I have a credit inquiry using my maiden name and old home address ( from before college ) that happened a couple weeks ago that was not me. 

Transunion doesn't give me the option to get that removed from my credit report. I need the XX/XX/2018 inquiry from XXXX/XXXX XXXX removed from my credit report completely because I did not initiate that inquiry. 

I called Transunion and selected the " Fraud '' option. It didn't connect me to a person. I had to listen to a very long sales pitch about credit monitoring for $ XXXX/month, and when I selected that I wasn't interested, I heard an even longer recorded sales pitch for the same service. Absolutely unacceptable for a credit bureau when I'm trying to get fraud resolved. I was able to post a fraud alert, but was offered no help removing this inquiry. 

I've reached out to XXXX as well to ask them to help resolve the issue.
Product: Debt collection

COMPANY DID NOT FILE A COMPLAIN WITH A COURT OR DID NOT NOTIFY ME IF THEY DID, BUT WENT AHEAD TO PROVIDE MY BANK, XXXX BANK FAKE DOCUMENTS AND GARNISHED MY BANK ACCOUNT ILLEGALLY OF FUNDS RANGING FROM {$410.00} TO {$500.00}.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate LVNV FUNDING LLC Account Number XXXX
Product: Credit card or prepaid card

I can not accept Barclays investigation. I DID NOT SAY THAT MERCHANT HAS PERFORM THE REPAIRS. I BELIEVE IT IS A FRAUD CHARGE AND THE MERCHANT DID NOT DO ANY REPAIRS TO MY CAR. 
Actually, Barclays Bank did not do any investigation to help me with my dispute for A FRAUD CHARGE to my credit card, but simply closed my dispute again and again. The MERCHANT DID NOT DO ANY WORK but fraud charged my credit card for {$3500.00}. My car still shows the same issue and I sent my car to another mechanic who checked up my car and could not recognize any new part. All parts in my car are very old per my new mechanic. 
XXXX KEPT MY CAR IN THE SHOP FOR A MONTH WAITING FOR PARTS. IF HE REALLY PURCHASED THE PARTS AND REPLACED FOR MY CAR HE SHOULD HAVE THE PRUCHASE RECORDS. HE NEEDS TO PROVIDE THE PROOF OF HIS PURCHASE RECORD FOR THE PARTS HE CHARGED. 
.
Product: Credit reporting or other personal consumer reports

hard inquiries on my credit that i didnt do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing to dispute an item on my credit report issued by XXXX. Upon reviewing my credit report, I noticed an entry that I believe to be inaccurate and damaging to my creditworthiness. The details of the disputed item are as follows : XXXX XXXX XXXX XXXX : {$10000.00}
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me, and I believe they are identity theft. I urge you to do a thorough investigation and remove them from my credit report. I have submitted supporting documents to validate my assertion.
Product: Vehicle loan or lease

I am asking you to have consideration of me, I had a work orientation but my condition is a little bad for this moment I am treating myself because my medical condition is not well ; I am having a lot of chest pains and I had problems in the past with my hearth and for that reason I cant continue with the orientation of the work because my health is first. 
I understand that it is my responsibility to comply with the car loan, it is my only transportation and I have frequent medical appointments, I am not refusing to pay. 
I 'm just asking you to remove all the late payments move it to the end of the loan, just defer all the late payments please to start everything without any problem in XXXX XXXX, since I had to make some mechanical work to the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX / {$11000.00} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a formal complaint regarding unauthorized or fraudulent credit inquiries appearing on my credit report. These inquiries are in violation of my rights under federal consumer protection laws. 
Specifically, 15 U.S.C. 1681b ( f ) of the Fair Credit Reporting Act ( FCRA ) mandates that no consumer reporting agency may furnish a consumer report for any purpose unless the entity requesting the report has a permissible purpose and obtains the consumers authorization.

Upon reviewing my credit report, I identified the following inquiries that I did not authorize : [ List the inquiries, including the name of the creditor and the date of the inquiry ] These inquiries have negatively impacted my credit score and have been placed on my report without my explicit consent or knowledge. Under the FCRA, credit reporting agencies and entities requesting credit reports are required to ensure that the request complies with lawful standards. 
I respectfully request the CFPBs assistance in investigating this matter and ensuring that the consumer reporting agencies and the entities responsible for these inquiries are held accountable. My ultimate goal is the removal of these unauthorized inquiries from my credit report. 
Please let me know if additional documentation is needed to expedite this resolution. Thank you for your time and support in safeguarding my consumer rights. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 main credit reporting agencies with failed attempts for action. I want to remove personal information that I donot want on my credit report. The information is no longer accurate. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people.

In addition,15 U.S. Code 1681s2 states that the responsibilities of furnishers of information to consumer reporting agencies. 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. 

These are clear violations of my federally protected consumer rights.
Product: Vehicle loan or lease

In XX/XX/2019 I went into a local dealership to lease a vehicle and was persuaded to finance instead. 

Santander was the financing company. The interest was so high with a monthly payment of over {$800.00}. 
I figured later that I was trapped. 

I later found out that there were several others having the same issues with Santander USA and that there was a lawsuit settlement against them. 

I had found out that based on the terms and requirement of the case I would be qualified as part of the settlement. 
I reached to them by mail and had gotten no response to date. They however have since repossessed the vehicle and reported me to the credit bureaus. 
My credit is completey burdened by this and all I'm seeking at this time is a little assistance in getting some justice.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX Account XXXX : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
XXXX never answered me the first time, XXXX and Equifax answered " The company that reported the information has certified to XXXX that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the BK court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.
Product: Checking or savings account

Received three separate emails that I opened a checking account with Bank of America. I never opened an account and do not have one.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter, and I am including it once more. I've educated my lawyer regarding my aims, and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2015 XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00}
Product: Checking or savings account

MY CITIBANK CHECKING & SAVINGS ACCOUNT WAS CLOSED FOR UNKNOWN REASON ON XX/XX/2020. THEY ARE HOLDING OVER {$1300.00} OF MINE. THEY SAID I HAVE TO WAIT UNTIL INVESTIGATION IS OVER WHICH CAN TAKE UP TO 60 DAYS AND I NEED MY MONEY ITS COVID19. THEY EVEN SAID I CANT RETRIEVE IT FROM A BRANCH WHICH I NEVER HEARD OF SUCH POLICY BEFORE. AND I HAD NO FRAUD ACTIVITY GOING WHATSOVER. MY SBA LOAN FUNDS WERE ALSO SENT AND IS JUST SITTING THERE. PLEASE HELP
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.

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 t
han 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.
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. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting these documents because I do not believe this repossession should be reported on my credit report and that it is reporting inaccurately. 
SANTANDER CONSUMER USA XXXX Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balanced {$39.00} XXXX  XXXX Balanced {$26000.00} XXXX XXXXXXXX Balanced {$29000.00} XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00}
Product: Credit reporting or other personal consumer reports

In regards to the company XXXX for reporting XXXX XXXX XXXX XXXX  The account in question is listed with an incomplete account number, This incomplete account number is inaccurate and constitutes a significant violation of my rights under the Fair Credit Reporting Act ( FCRA ). Full and accurate account numbers must be reported to ensure proper identification and association with my credit history. 
Additionally, the payment history section for this account shows multiple XXXX ( CO ) notations for XXXX, XXXX, XXXX, and XXXX. A XXXX should only be reported once, as it reflects a singular event. The reporting of multiple COs for different months is not only inaccurate but also results in the resetting of the statute of limitations for this account, extending the time it will remain on my credit report. This repeated reporting is a clear violation of the FCRA and is severely damaging my credit profile I have also sent this letter to the company as well