23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My name is XXXX XXXX I was invited by my friend XXXX XXXX to come down to a dealership at XXXX XXXX in the XXXX Ny so she can purchase a car. This was on XXXX XXXX. They told her she needed a cosigner on the car so she called her brother XXXX XXXX to be her cosigner and I told them if he doesn't work they can use my name. 
The man who was doing the loan process came back to my friend and told her it was going to be a 3 person loan & that it's through a company called credit acceptance and it's a company that will help build everyone on the loan credit. And then after 3 months you can bring the car back & refinance for a lower interest rate. So she made a down payment of {$1200.00} & gave them the coupon from online that they will pay {$1500.00}. And they told the dealer name XXXX to take her for a XXXXest drive in the XXXX  XXXX XXXX after she gave her insurance information paid for it & go the ID cards. I went with her and XXXX to test drive the car & when we came back they had us sign papers & they had to do her paperwork over cuz they kept spelling her name wrong. I should've known something was up when that kept happing, especially since all the income paperwork was in her name and they had her driver 's license also & bank statements. They actually asked for mine & XXXX XXXX bank statements. My complaint is I was sitting at home & a bill came in the mail from Credit Acceptance that was a billing statement & I was like I didn't purchase no car I only make {$800.00} in social security XXXX a month how in the XXXX am I to pay this bill that's not mine. I called them & they said I signed the papers for the car & I said we all signed papers that none of us ever received and I didn't sign for no car loan so take my name off the account. I've been disputing this for a year & they claim I signed these documents & yes I signed documents they said was a cosigner documents and they went to XXXX XXXX house to have him sign documents also. I reported them to the XXXX  & they contacted Credit Acceptance and they did a internal investigation and said the dealer and there findings is that the dealer wouldn't have put me in a loan unless I showed proof of income & that I told them I make {$1900.00} extra a month & I'm like were the heck did they get that from, cuz if that was the case I wouldn't had went down to them for a XXXX  XXXX XXXX that can't fit my XXXX body. One more thing XXXX XXXX XXXX XXXX sister he cosigned for is the only one that had a income that was more than myself & XXXX each month. They also said signed the registration also I don't know how I pulled that off when I don't have a driver 's license. I would post documents but it's been a year and they still haven't given any of us proof of sale documentation & none of the paperwork that was signed & to this date they still haven't presented them, the dealership keep saying they mailed out the papers
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items that are reporting that does not belong to me. Please remove the following items : XXXX XXXX XXXX - Date Opened XX/XX/2017 Incorrect Address : XXXX XXXX XXXX ( XXXX  and XXXX  ) Incorrect Address : XXXX XXXX  XXXX ( Equifax )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian.com has repeatedly violated my rights by reporting inquiries and closed accounts that show negative on my report. I have sent them a letter and a identity theft report that I filed before these accounts showed on my credit report that I was a victim of Identity theft and fraud. They refuse to remove these fraudulant claims from my report. it has been more then 30days and they are avoiding my request by sending stall letters saying i have the wrong company to dispute. I have clearly sent it to their dispute department otherwise they would not have sent a letter stating it was the wrong department. They have avoided my identity theft report that i have filed. I am very upset and hope that you can help me resolve this matter with them.
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the XXXX XXXX Data Field Formatted Reporting Standards, as per CDIA guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within XXXX business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged 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

Payments are showing late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Have disputed with all 3 bureaus with no response.
Product: Debt collection

Opened XX/XX/XXXX Account status open Original creditor name : XXXX XXXX  XXXX  Open balance : XXXX I called the company they said it was a furniture store I never heard of in my life. My credit was last pulled when me and my husband bought the XXXX  truck. I have not bought furniture since XXXX. 

My identity was stolen so this is fraud. Someone got my social and opened the account. I always maintained good credit.
Product: Credit reporting or other personal consumer reports

I am concerned that these hard inquiries negatively impact my credit score, and I believe they were made without my full consent or knowledge. To my best understanding, these inquiries were not initiated by me, nor did I grant explicit permission for creditor to access my credit report. 

Name of Inquirer : XXXX  Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Name of Inquirer : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Name of Inquirer : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Name of Inquirer : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Name of Inquirer : XXXX XXXXXXXX XXXX - XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Name of Inquirer : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Name of Inquirer : XXXX XXXXXXXX XXXX Date of Inquiry : XXXX XXXX Inquiry Type : Hard Inquiry
Product: Credit card or prepaid card

Im the consumer 12 cfr 1026.2 ( 11 ) XXXX XXXX bringing to the CFPB false and deceptive practices on the behalf of American Express. 12 cfr 1026.1 ( a ) speaks about the consumer protection and federal laws to apply and assert so consumers wont be taken advantage of. 12 cfr 1026.1 ( b ) detail the purpose and explain the regulation for consumers protection according to the practices among organizations. 12 cfr 1026.1 ( c ) ( 1 ) ( i ) I, XXXX XXXX extended my credit to American Express. 12 cfr 1026.1 ( c ) ( 1 ) ( iii ) American Express is supposed to produce the finance charge to the consumer clearly and conspicuously so the consumer can clearly understand the true cost of credit. In XXXX I filled out an application 12 cfr 1026.2 ( a ) ( 3 ) with American Express, on XX/XX/2021 I was approved with American Express reference : XXXX. I, consumer 12 cfr 1026.2 ( 11 ) gave my social security credit card 12 cfr 1026.2 ( a ) ( 7 ) to American Express for the purpose of 12 cfr 1026.2 ( a ) ( 12 ). I gave American Express 12 cfr 1026.2 ( a ) ( 14 ) with my social security credit card 12 cfr 1026.2 ( a ) ( 15 ) ( i ) for a 12 cfr 1026.2 ( a ) ( 15 ) ( ii ). American Express then provided the consumer with a 12 cfr 1026.2 ( a ) ( 16 ) when 12 cfr 1026.2 ( a ) ( 2 ) does not include 12 cfr 1026.2 ( a ) ( 2 ) -1.ii, American Express will only extend the credit if the consumer sign the credit sale which is false advertising. American Express is acting as a cardholder 12 cfr 1026.2 ( a ) ( 8 ) labeling themselves as if they extended the consumer credit. American Express also labels itself as a creditor 12 cfr 1026.2 ( a ) ( 17 ) when the consumer is the creditor only a natural person 12 cfr 1026.2 ( a ) ( 22 ) can be a creditor only. The consumer is only supposed to pay a finance charge 12 cfr 1026.4, American Express has been charging the consumer different charges than the finance charge which is fraud and deceptive to the consumer and illegal practices on the behalf of American Express. American Express has locked the consumer account to get any credit pertaining to the consumer asserting his rights and has made the consumer default on his bills, consumer is unable to provide for his family and business, and if American Express dont fix this problem it will report on the consumers report and will harm his reputation. 12 cfr 1026.4 American Express havent clearly and conspicuously disclosed to the consumer the finance charge which according to the CFPB regulate for banks to practice legally and protect consumers for inaccurate information. The consumer has an unlimited 12 cfr 1026.2 ( a ) ( 20 ) which the consumer notified American Express and they ignored the consumer rights to dispute the inaccurate information and charges and locked the consumers account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint concerning a fraudulent account that has been inaccurately reported as a charge-off on my credit report from the company XXXX Despite my repeated efforts to resolve this issue directly with the credit bureaus and the creditor, the account remains on my report and continues to cause harm to my credit standing. 

Steps Taken to Resolve the Issue : 1. Debt Validation Requests : I submitted debt validation requests to all three credit bureaus ( Experian, XXXX, and XXXX ) in compliance with the Fair Credit Reporting Act ( FCRA ). To date, I have not received any proof or documentation validating the legitimacy of this debt, nor a copy of the original contract or the assignment contract for the alleged debt. 
2. Disputes and Removal Requests : I have contacted the credit bureaus on multiple occasions, requesting the removal of this fraudulent account from my credit report. However, despite the absence of validation and the lack of contractual proof, the account continues to be reported. 
3. Creditor Reporting Inaccuracies : The creditor has also been reporting inaccuracies related to the account. Specifically, they have been reporting the account as charged off every month. A charge-off is a one-time event, and the continuous reporting of the charge-off every month is incorrect and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I try to login to my.equifax.com, I get an error saying " We are temporarily unable to complete this request. '' And there are no options to remediate this. I just want to look at my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I m been trying to get incorrect information off my report that never give consent to reporting on. Plus all of the incorrect information are out of dates statue of limitations and the balance are wrong as well. The collection agency are not legally allowed to work in the state I live, plus I being charged more than once for the same bills of which are over 6-8 years old. Im a XXXX XXXXXXXX person who been on XXXX for over 23 years. There is also wrong reporting of my personal health and insurance information and this wrongful reporting is costing me very stressful time unable to access insurance help caused of its miss reporting. Its causing my health care to fail and my family finances to suffer. Im really struggling to get through to the people who is involved in fixing these problems on m credit reports. One of the reporting agencies has been helpful they the proper charges for making my report accurate but has one still wrong. The show opened account that at also showing closed and the balances are wrong to. This information is not accurate because I never received any notification from the consumer reporting agency about the debit or doctor bill that they are reporting on. No verification has been provided to me yet my personal information is publicly known and accessible by any one. I can not get into my home without help. I have identity theft because of the reporting wrong information my SSD benefits have been stolen and the security system has failed because of the wrong information reported by these companies and agencies selling my data.
Product: Debt collection

XXXX being charged from XXXX XXXX XXXXXXXX for XXXX $ on XX/XX/year>. 

Another company is charging r me XXXX $ on XX/XX/year>. I have no knowledge of this. It have authorized or consented to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MISSED A PAYMENT ON ONE OF MY ACCOUNTS. I DIDNT REALIZE IT UNTIL I RECEIVE A NOTICE THAT MY CREDIT SCORE HAD DROPPED. I CALLED THE COMPANY AND IT CHECKED OUT THAT I HAD MISSED A PAYMENT. MY OVER SIGHT I GET IT. MY COMPLAINT IS I HAVE A 99 % PAYMENT HISTORY THAT SHOULD HAVE BEEN A 100 UNTIL NOW AND THEY DROPPED MY CREDIT XXXX POINTS. XXXX AND EQUIFAX BOTH. FROM XXXX TO XXXX FROM XXXX AND XXXX TO XXXX FROM EQUIFAX. THEY BOTH DROP YOUR SCORE THAN RECOMMEND THEIR SERVICES OR COMPLANIES THEY PARTNER WITH TO BRING THEN BACK UP. MY COMPLAINT IS THESE COMPANIES ARE NOT FAIR. THERE IS NO WAY MY SCORE SHOULD HAVE DROP XXXX POINTS FOR ONE MISSED PAYMENT AND THIS IS NOT THE FIRST COMPLAINT IVE FILE AGAINST THESE COMPANYS FOR UNFAIR REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several items on my credit report do not belong to me. I do not recognize them ; I had to file an identity theft report due to unauthorized accounts and charges on my credit report dating back a few years. I have tried to contact the creditors and the companies on several occasions. They have not removed or tried helping me at ALL. I can't do anything, and it has ruined my life up to this point. I need help. These Ceridtiors are not trying to help and keep giving me the runaround. Here is a List of items. Someone or multiple someone using my identity have managed to rack up. It shows on my report that one of my addresses is in NEVADA. I have never lived in Nevada, XXXX XXXX, or anywhere. I have only lived in one state and it's south. Please HELP XXXX XXXX : OPENED on XX/XX/XXXX. They marked it over 120 days late. {$700.00} XXXXXXXX XXXX  : Opened on XX/XX/XXXX Collection/Chargeoff {$2500.00} XXXX Opened on XX/XX/XXXX Collections/Chargeoff {$460.00} XXXX XXXX  : Opened on XX/XX/XXXX marked a Derogatory {$450.00} XXXX  Opened on XX/XX/XXXX {$380.00} XXXX XXXX XXXX Opened on XX/XX/XXXX Collection/Chargeoff XXXX XXXX  XX/XX/XXXX collections/ Charge off {$170.00} XXXX XX/XX/XXXX Collection/Charge off {$940.00} XXXX XXXX XX/XX/XXXX Collection/Chargeoff XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account XXXX is inaccurately reporting on my credit report. Experian and XXXX keep saying they have verified the information but I have evidence from XXXX saying otherwise. This inaccurate account needs to be removed immediately from my credit report or I will be seeking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX L XXXX Balance Owed : {$3500.00} XXXX XXXX L XXXX Balance Owed : {$2100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose, I have the accounts listed below. 

This inquiries has no permissible purpose to be on my credit report. Delete this inquiry, due to violation of 15 USC 168 1b 1. 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

My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Thank You List of Accounts To Be Deleted : XXXX XXXX : Account # XXXX XXXX XXXXXXXX : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX US DEPARTMENT OF EDU : Account # XXXX XXXX XXXX XXXX : Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX and they stated that I have a Perfect payment history with their company and I have no deliquecies. Equifax is reporting my account wrong and refuses to fix the issue
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Product: Credit card or prepaid card

I had to close my account on XXXX XXXX when Chase locked me out and made uncalled fo demands to unlock. When I closed the account the promised me I would be sent a hard copy of my final statement which should have been {$66.00} and some change. I still have not gotten the hard copy of the statement and they sent me and email the other day with {$30.00} in fees and told me to log into my account. I am still locked out can't do that. On the phone they just insist I trust them and give them bank info over the phone without me seeing a final statement. Again I was promised a hard copy. I sent the a certified mail requesting a mailed hard copy and still nothing. I have never ever missed or been late on a payment to them and I am afraid because of their refusal to take prober care of this they are going to mess up my near XXXX credit score. If they will send me the statement for XXXX I have been begging for I will pay them the $ XXXX but I refuse to pay them over the phone or without a statement in hand. I feel I have a right to a final statement dated XX/XX/XXXX when my account did month end close. Not sure about anyone else but I do not just random pay a bill because someone said too.
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. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit card or prepaid card

I have 3 times over the phone to resolve this incorrect charge. I have NEVER had a problem before.I always pay my bills on time. They can not even tell me what was charged!