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

I have been trying to buy a car so today XX/XX/20 I went to the XXXX dealership and when they ran my credit to see if I qualified for an auto loan I was told I did not qualify because there were too many accounts with negative credit history on my credit. I looked through each account and there are five accounts and a few inquiries on my credit report that do not belong to me ; I don't know why those accounts/inquiries are on my credit report or who they belong to but I did not authorize anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards these accounts. I have already filed a police report in regards to these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1400.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each itemis 100 % true, accurate, correct, complete & VERIFIABLE ). If credit Bureaus do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX Account # Experian XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602A. State 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

Our current loan is with PennyMac. We were in the process of refinancing with XXXX XXXX, but we reached out to PennyMac to see if we could get a lower rate by staying with them. PennyMac agreed that they would be able to lower the rate and keep us as customers. We then cancelled the process with XXXX XXXX XXXX. We submitted all documents to Penny Mac the next day. On XXXX XXXX, I received an email from XXXX XXXX ( underwriter for PennyMac ) stating that our loan was approved and I would be receiving my closing documents to e-sign within 48 hours. On XX/XX/XXXX, I received an email from XXXX XXXX ( underwriter for PennyMac ) stating that my closing documents were available to sign. I then signed all the documents to move forward with the refinancing and closing. On XX/XX/XXXX, I received an email from XXXX XXXX stating its time to close. This email stated the appointment date of XX/XX/XXXX @ XXXX to sign the closing documents. We signed the documents on XX/XX/XXXX @ XXXX. On XXXX XXXX, I received a phone call from PennyMac regarding my loan stating that I am two months behind on my loan for XX/XX/XXXX and XX/XX/XXXX. I signed documents on XX/XX/XXXX stating that I will not have any payments due until XX/XX/XXXX. I called XXXX on XX/XX/XXXX inquiring about this and he advised the loan did not go through and I am now two months behind on my mortgage. I was NOT notified of any changes in the loan via email or phone. My credit has taken a huge hit because of this. Now I am in a bind with my mortgage and credit score.
Product: Debt collection

I recently noticed this on my report. Called to ask to no response.
Product: Credit reporting or other personal consumer reports

I am disputing the continued reporting of inaccurate information on my credit report that has been marked as verified, though it remains incorrect. This is a violation of the Fair Credit Reporting Act ( FCRA ). I have attached a letter as proof of the discrepancies and request that this account be removed from my credit report to ensure compliance with federal law.
Product: Vehicle loan or lease

Was on the phone with the company for over 4 hours today as I was transferred from person to person, department to department, in order to get my repossessed vehicle back. The reason stated for my vehicle being repossessed was that " I did not do anything to obtain financing ''. This is clearly a lie as you will see in my documents. This company purposely refused to offer any help or assistance in the post-lease options and took the vehicle because of their failure to provide this customer with proper financing options.
Product: Debt collection

XXXX XX/XX/XXXX - I terminated my lease with XXXX XXXX XXXX XXXX for their property on XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX CO XXXX XXXX 

On the same day I was sent an invoice for lease breakage via mail which I paid via a cashiers cheque. I have email of the invoice, payment receipt as well as the scanned copy of the paper receipt. 

XX/XX/XXXX - The company 's leasing agents started calling me demanding extra money without providing me with an invoice or any explanation of why the additional money was requested - I sent them details of payment made and requested for a refund of my security deposit - no response from them. 

XX/XX/XXXX - XXXX again call me without providing either any amount or any invoice or any basis of charging me XX/XX/XXXX - I send a notice via registered post as well as email - demanding either a refund of my security deposit or a statement of my accounts due to me as per Colorado statutes from XXXX ( Post sent to their authorized representative Mr. XXXX XXXX at their registered address in XXXX ). XXXX still did not provide me a statement of my accounts to me as requested or a refund of my security deposit XX/XX/XXXX - I notice a significant decline in my credit score and upon checking the report find that a debt collection agency named LTD Financial ( XXXX XXXX XXXX  ) have placed a negative account charge on my credit report - without contacting me, either via phone, or post or mail or providing me with any proof of debt as per fair debt collection practices act XX/XX/XXXX - I raise an investigation with XXXX  on the negative charge and send email notice to LTD financial at the registered mail address on their website ( XXXX ) Thus XXXX   demanded payments without providing an invoice, without providing any evidence of debt owed, shared my personal information with debt collection agencies without my consent. LTD Financial placed a negative account charge on my credit report, damaging my credit score without making any attempts to contact me or provide me any evidence/information of debt owed  as is required by Fair Debt Collection Practices Act.
Product: Debt collection

On XX/XX/year> I received a letter from XXXX XXXX, a self described debt collector claiming I owe {$1200.00} to a company I have had no contact with, XXXX XXXX XXXX XXXX. The letter offers the option to send the money directly to XXXX XXXX ... they include an account number, XXXX. Is this a fraud attempt? Or has someone stolen my identity?
Product: Credit reporting

delinquent account listed on my credit report by credit agency Experian that is not mine. Experian stated it was verified to be mine from an apartment complex in XX/XX/XXXX in XXXX Md whereas I have resided and currently reside still at same address in XXXX XXXX Md since XX/XX/XXXX. I asked to be provided with documentation supporting their findings such as my signature in agreement with account and i have not been provided with any support from Experian
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are violating my rights for my XXXX XXXX XXXX customer account # XXXX. This is a violation and illegal to be reporting late payment transactions on my consumer report. 15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never supersedesFederal Law. Also15 U.S.C 6802 B - I was never given the option to opt out! Please remove all late payment transactions. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX, XXXX, XXXX, LEXUS NEXIS, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW.
Product: Debt collection

Credence Resource Management LLC Ive sent in debt validation letters and also everytime they have called my phone i have asked for debt validation i never receive the validation of debt but somehow i receive several notices in the mail about this debt they are bypassing the fact i have asked for a validation of debt from the original creditor, Ive constantly asked to VALIDATE the debts NOT VERIFY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXPaid in full 2nd Mortgage to XXXX when we sold house. 1st Mortgage was paid in full on same date Experian reported the payoff as a short sale, which it was not. We paid it in full! XXXX and XXXX reported it correctly. 

XXXX Sent in dispute, unresolved XXXXTrying for new Mortgage and it is showing same status. Can not complete Mortgage application without clarification. 

XXXXSent in 2nd dispute and 3rd dispute. Both times they are saying the documents I attached were unreadable but both disputes are unresolved. Waiting over 2 weeks for answer. 

XXXXspoke with dispute center and sent a 3rd copy of the documents. Now waiting an additional day to see resolution. 

XXXX-Spoke with Mortgage company-XXXX and they stated they never reported it as Short Sale and will send documentation to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing with XXXX on an existing debt collection account ( LVNV Funding ) that they keep reporting. XXXX   and XXXX  have deleted this account due to unverifiable documents while XXXX  continues to respond that the account is verified. I've disputed online and and recently via mail. How can XXXX  continue to tell me this account is verified when no documentation has be sent to me and the other two bureaus immediately deleted the account due to unverifiable documents?
Product: Credit card or prepaid card

I am writing this due to non-compliance with KOHL 'S. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Im writing today to complaint about equifax with their investigation into XXXX XXXX account number XXXX as listed on my report. I sent disputes and a complaint to the Cfpb about the inaccuracies on this account, COMPLAINT NUMBER XXXX. Even after their investigation they have not fixed the errors they are reporting. Im asking for immediate deletion of this account. The account number, date opened, High credit and payment history is still inaccurate. and again regarding late payments being reported on the account ; these late payments are fraudulently being reported and under 1666b they are suppose to send me a bill/statement in the mail 21 days before the due date which i never received and if there is proof of that please send that to me. IF THERE IS NOT PLEASE DELETE THIS ACCOUNT. Also under 15 U.S.C. 1681s-2 ) : The FCRA mandates that a furnisher of information must notify the consumer in writing of its intention to furnish negative information regarding any consumer debt directly to a consumer reporting agency. I have not received any such notification from creditor. I WAS NEVER NOTIFIED. IF THERE IS PROOF OF THIS PLEASE SEND IT OR DELETE THE ACCOUNT. IM ASKING OF REMOVAL OF THIS ACCOUNT. PLEASE SEE ATTACHMENTS OF MY REPORT EQUIFAX IS REPORTING. If verified I want to speak to the person or see the information sent back that allowed Equifax to " accurately '' report & verify this account.
Product: Checking or savings account

On Sunday, XX/XX/year>, I initiated a transfer of {$240.00} from one of my XXXX accounts to my UMB checking account, which is an established external account with my XXXX accounts. I realize that XX/XX/year> was a bank holiday. I have made multiple transfers from this XXXX account to my UMB checking account previously and the funds would be available in 2-3 banking days. However, this transfer of {$240.00}, which exited my XXXX account on XX/XX/year>, has not been credited partially or fully to my UMB personal checking account. UMB status messages indicate the funds will not be available until AFTER XX/XX/year>. UMB customer service personnel state that a hold of this duration is justified and/or acceptable. 

I disagree that a hold of this duration is acceptable or justified. The funds should have been made available to me, partially or fully, sooner than Tuesday, XX/XX/year>, especially since the funds have been absent from my source account since XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I went into the XXXX Chase branch on XX/XX/18. I ordered a new atm card as I lost mine. The banker gave me a temporary card, which can not be used except at the atm machines The banker never sent my new atm card until XX/XX/18, per XXXX in XXXX, AZ ; I spoke to him at XXXX today, XX/XX/18, and told me that the previous banker, should have sent the card earlier. 

This really is a problem as I can not pay my bills and have been threatened with cancellation!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the validation method used by your agency regarding a collection account that appears on my consumer report. The account in question is listed with XXXX ( XXXX XXXXXXXX XXXX  ) and is reported by XXXX, Experian, and XXXX under the account number XXXX. 

Upon reviewing the information on my consumer report, I have noticed inconsistencies regarding the validation and reporting of this collection account across all three credit reporting agencies. This dispute was validated and closed on XX/XX/2023 with verification documents mailed to me. How is that so? Please provide clarity on how an account that clearly reads not verified on my consumer report was validated.
Product: Credit reporting or other personal consumer reports

Hello..I have unauthorized inquiry on file under XXXX XXXX ( FCRA ) and with all these breaches I wish to have it removed
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX  Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Re : Unauthorized Hard Inquiry Dispute I am writing to dispute an unauthorized hard inquiry that appears on my credit report. 
The inquiry in question was made by XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX and it does not meet the permissible purpose criteria outlined in the Fair Credit Reporting Act ( FCRA ) under Section 604 ( 15 U.S.C. 1681b ). As per the FCRA, only those with a permissible purpose may access my credit report, and I have not provided consent for this inquiry, nor does it fall under any permissible purpose. Therefore, I request that you investigate this matter and remove the unauthorized inquiry from my credit report. Please confirm in writing that the inquiry has been removed.
Product: Credit card or prepaid card

XXXX   transactions, each for {$75.00} on the same day (  XXXX  ), were posted to my account which I did not make. I called Elan Financial Service on   XXXX   to dispute the sales. I clearly said I did make the charges or know the merchant. Elan did not transfer the handling to their fraud group, but only attempted to get copies of sales.
They were then unable to obtain the sales copies, but deem the sales valid and reapplied to my account (  XXXX  ). I then called again (  XXXX  ), this time the representative said both sales would be handling as fraud, closed my account, and sent me new credit cards.
In watching my statement, it appeared that they only began handling one of the {$75.00}, as demonstrated by only a single temporary credit.
Again, I called to speak with the fraud group (  XXXX  ). This time I was told that the second charge would be handled as fraud and that the " investigator '' would return my call. No call was received.
Today (  XXXX  ), I had to call again, as the second {$75.00} is still on the account and I did not received a call as promised after 12-days. This time I was told that the investigator tried to call ( 07/05 ) but could not connect AND they only make one attempt. This is unfair as it requires the customer to ensure follow-up by the bank. I have been promised someone will call me.
I need your help, CFPB, in getting Elan Financial and Fidelity Credit Card to do their job and resolve me case.
Product: Money transfer, virtual currency, or money service

XXXX/XXXX/2017 {$410.00} XXXX/XXXX/2017 {$51.00} There was a company on XXXX selling items, they had you send it via friends and family through paypal, which at the time I did not know means that there is no buyer protection. I contacted the person several times on their XXXX page @ XXXX and also through the email address that the have on file with paypal, XXXX for 2 weeks the person stated that 4 boxes were sent out, and nothing to date XXXX/XXXX/2017 has arrived, now mind you their in NY and I am in NJ, when I began to get made and question him I was blocked from their XXXX page, I call paypal and they tell me do a charge back with my bank, and then tell me they have gotten other complaints. When you do some digging, there are several fraud accounts on XXXX that all start out with XXXX and they are scamming, fraudding, and hurting people.