23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My wife and I recently purchased a used XXXX Hyundau XG form my car mechanic. When I received the title form NY state there was a lien from Hundai Motor Finance, XXXX XXXX, XXXX, GA XXXX. I have also contacted XXXX. I do not know of the prior owner or who held the loan. According to NY DMV, I would need to obtain a " lein release '' or 'Letter of no interest ''. I have requested this in writing and via phone to no avail. They keep telling me it has to come from the owner. I have no contact with the owner nor do I know who they are or where to contact them. There should be accountability upon the finance company to supply a lien release to the last known state where the car is titled. There should also be clear instructions on how to obtain " lien release '' provided to a consumer of a purchased used car. I am now sending another letter to this company to get this required documentation because apparently the address listed on the title is incorrect for Hyundai Motor Finance.
Product: Credit card

XXXX. In XXXX I had a repair shop " XXXX XXXX XXXX, XXXX rebuild the engine on my XXXX XXXX XXXX XXXX truck, but they did not properly repair the vehicle. They only replaced XXXX lifter instead of all lifters, did not repair the valves and replaced a crankshaft. Also, I have replaced the camshaft sensor three times since the repair. I paid for the repair with my XXXX XXXX XXXX XXXX XXXX card. I requested the credit union do a chargeback against the repair shop or hold them responsible to properly repair my truck, but XXXX refused. 
2. My Sam 's club card/Capital One was used by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days. She continued to use my card many times after my discharge. I approached her about it, and she promised to make good on the unauthorized purchases but never did, I filed a police report with the XXXX Florida police department. My identification was lost/stolen and as a result there were some attempts to open accounts by unknown person ( XXXX ). I am a XXXX XXXX, and she has committed XXXX  abuse. Capital One has refuse to go after her to rectify this situation. 
3. If you review my credit history, my credit score has not been below XXXX for more than 35 years. In addition, you will see that I have always paid on time or before time with all of my legitimate accounts including my mortgage. I have also paid off another mortgage XXXX years ago. XXXX has baselessly reduced my credit limit to a mere {$100.00} and refuses to restore my credit limit t to its original level. This is an unfair practice, and no one needs a {$100.00} credit limit it is virtually useless. 
XXXX XXXX XXXX XXXXXXXX has reduced my combined credit limit by {$23000.00} and it continues to get reduced with every payment. This is again a baseless and unfair practice. By reducing my credit limit with each payment, my credit utilization rate increases and with XXXX XXXX XXXXXXXX and XXXX the utilization rate is now remaining above 90 % when is has always remained under 50 %. This is again evidence of unfair credit practices and needs to be stopped. 
XXXX. Whenever a well reputed debtor has been consistent in paying their debts on time and before time, then isolated incidences of dispute appear on the radar, this is a red flag that something is desperately wrong with a transaction, the creditor treatment, be it interests, reduced limits, pending disputes, or some other issue. This does not mean that a debtor is having financial woes, under duress or strained financially. It may mean as it does in my case that I refuse to pay for transactions that I did not create, and I am not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$8200.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2019 I got a card from Equifax, stating that " within the last twelve months we have received eight or more inquiries for your credit file. '' It also says that Colorado law requires them to provide me with a disclosure copy of my credit file when this happens. It give a toll-free number to call ( XXXX ) to get it.

So I call the number, and spend a bunch of time pressing 1 for this and 2 for that, just for them to refer me to a web site ( www.equifax.com/FCRA ). They COULD have saved me a bunch of time by printing the web address on the card, but instead they make me waste a bunch of time on the phone just to get it.

So I go to the web site, spend another bunch of time filling out the form. One of the items is Reason For Credit File Request. There are 8 choices, and none of them seem to apply to my situation, so I have to just pick one to proceed. I pass the challenge questions, then I get : " At this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX. '' So I call that number, and get the same automated voice response system that I got with the first number!

A total run-around. I'm entitled to a copy of my report, and they waste a bunch of my time just to not give it to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Personal Information Mistaken Identity Dear Credit Bureaus I am writing under the protections provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally dispute inaccurate personal information on my credit report. After reviewing my credit report, I have found personal information that is incorrect and does not belong to me. 

The inaccurate personal information includes : XXXX XXXX XXXX XXXX XXXX XXXX .Henryca Oponot This information is the result of mistaken identity and does not pertain to me. Under the FCRA 1681c, only accurate and up-to-date personal information should be included in consumer reports. As such, I am requesting the immediate removal of these inaccuracies.

Please provide written confirmation that these items have been removed or corrected within 30 days, as required by 15 U.S.C. 1681i. If you need any additional information from me to facilitate this process, please notify me in writing at the address provided above. 

I appreciate your prompt attention to this matter. 

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

This is in regards to Equifax behind hacked and putting my information at a very high risk for identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 account below : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL COMPLAINT that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2009 ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2900.00}.
Product: Credit reporting or other personal consumer reports

Inaccurate credit reports aswell as multiple doubles, its ruin my credit and not rite that they can do this
Product: Bank account or service

Bank of American continuously charges overdraft fees that are way above interest rates. I was short {$4.00} ( which was available in my savings account ) and they charged me XXXX overdraft fee.
Product: Credit reporting or other personal consumer reports

I have challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX  They have been unresponsive and unable to validate the debt. 
I have contacted Experian and requested a copy of the proof of debt validation. 

I have not been provided said document.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXXXXXX 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: Debt collection

Portfolio Recovery Collection agency sent me a monthly statement for an account That listed someone elses name, with my address but listed this other persons collection Acct number, amount owed and original creditor-but then listed my banking information for where the monthly payment would be deducted automatically. 

I called and they told me it was a printing error. I did not believe them and asked for a corrected statement to be sent for my account. I explained that I was very upset that my banking info and address were commingled with another persons account. They seemed to think this was no big deal. I considered this a huge breach in security and asked to escalate to their legal department. They refused and told me I could contact their media person for a complaint. I emailed their person in charge of customer relations e planning the issue and my concern and never heard back from them.
Product: Checking or savings account

I opened a high-interest savings account with XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX, I deposited {$100.00}, and then on XX/XX/XXXX, I deposited {$40000.00}. I received a mailed letter in late XXXX requesting copies of my DL and other documents to verify my identity, stating my account was suspended. I wrote a message to the bank in the bank 's online messaging portal on XX/XX/XXXX that read the following : Hi, I got a letter saying that my account has been suspended, and you need more info from me. I just want to make sure that the letter is legitimate before sending my personal info. Thank you! 

On XX/XX/XXXX, I received a reply that simply cut and paste the text from the letter I had already gotten. I sent in all required documents by mail in XX/XX/XXXX. 

On XX/XX/XXXX, I still had heard nothing and my account remained restricted, so I messaged the bank asking for an update. I got no response. I wrote again on XX/XX/XXXX again asking for an update. This time, the response was an auto-generated message that read : Thank you for your message. One of our customer care representatives will respond to your inquiry within the next three to five business days. If you need more immediate assistance please call us at : XXXX. 

But I never actually received any response to my question. 

Finally, I called the bank on or around XX/XX/XXXX. The rep I spoke to had no access to information as to why my account was still restricted and said they would forward my request to a manager. 

On XX/XX/XXXX, I got this message : Dear XXXX, Thank you for contacting Comenity Direct Customer Care. 

This request is still under review. 

Please let me know if you have any additional questions or if I can be of any further assistance. 

I have yet to receive a response, despite sending multiple messages again. 

On XX/XX/XXXX, I called again and the rep I spoke to again could not find the reason for my account being restricted, and said she would send a request for an account status update. I requested to close my account, as I no longer trust this institution with my finances, but was unable to do so, because of the account restriction. 

In short, my account has been restricted since XX/XX/XXXX, with no response from my bank as to why or how to resolve this immediately. These are my only savings and I need to be able to access my money. 

Thank you! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent out a letter after reviewing my credit score with Equifax.I noticed some incorrect information on my account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts which I've listed for them on the documents that Ive attached. Equifax failure to positively verify these accounts has hurt my ability to obtain credit. Now under the FCRA, unverified accounts must be removed and if Equifax can not provide me a copy of verified proof, They must remove the accounts listed below. 
I demand the following accounts be verified or deleted immediately & not updated inaccurately. Its been well over 30 day from the original date of me notifying them and I still have not gotten any type of update or removal documents from them.
Product: Credit reporting or other personal consumer reports

The provisions of the fair credit reporting act of XXXXXXXX 15 U.S.C 1681 this is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX,
Product: Credit card

I want to open a complaint against the following XXXX department Store there reference account # is XXXX. I have been since the beginning of the year 2015 asking for a SIGNED CONTRACT DATED by me. They have not sent me any information since. I have asked also all three credit reporting firms for proof of this account. I understand that All 3 credit firms can not supply. But I have asked XXXX for valid dated signed proof more than 5 times since the beginning of the year. NOTHING!. All they say is " yes this account is yours '' I go back to them telling them these letters are not enough, I WANT A COPY OF THE CONTRACT WHERE I SIGNED AND DATED PERMISSION TO OPEN THIS ACCOUNT. Please I need help. This is hurting my credit report. I am starting a new clean plate on this issue doing this online with cfpb, I have spent a large amount of money, I have asked everyone for proof. The amount of letters - paper ink wasted on asking these people for valid proof. Please someone in this firm help me ask this company for valid signed proof. If they do n't have my valid signature, then remove this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. 
It is the result of my personal information being stolen and used without my authorization or knowledge I am a victim of identity theft : XXXX XXXX XXXX ( ACCT XXXX ) ADDRESS : XXXX XXXX XXXX XXXXXXXX FL XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. INQUIRIES : XXXX via XXXX XXXX XXXX, XXXX, XXXX. 
Please block and/or delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.