23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A charge off is considered income, and is now considered a certificate of indictment and must be removed. According to IRS The creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden on form XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my 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 15 U.S.C 1666B : A creditor may not treat a payment on an installment loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I been dealing. With this years and years I hav sent documents of social security number and card, driver license document proof of address and police records to EQUIFAX, XXXX, and XXXX and its like no one is doing anything to help me nothing has change and I started this process 8to 10 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I paid my lease off on XXXX, and was trying to make arrangements to purchase the vehicle and extend my payments. I made several trips to the Courthouse to renew the registration but the Courthouse in XXXX XXXX, Kentucky wasn't able to renew my registration or give me a sticker for the vehicle. I made several trips from XXXX to XXXX to try to renew this registration with no luck. I called Westlake Portfolio Management ( WPM ) everyday about this matter but they never resolved the issue. I explained to WPM that if I can't register the vehicle, I won't be purchasing it. I told their customer service department to make arrangements to pick the vehicle up and they agreed. 
The problem I'm having with WPM is that while I was trying to get the vehicle registered, they overcharged my account for {$210.00} on XXXX and {$210.00} on XXXX. They have admitted to the overcharged and wanted to extend the money to the purchase of the vehicle. That would be good but I'm not going to purchase the vehicle. I have asked for a refund of the overpays that they charged me and they refuse to return my money. I talked with my bank ( XXXX  ) and they recommended that I file a consumer finance complaint against WPM.

WPM owes me a total of {$420.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

This is another complaint that I'm filing against Transunion. I wrote XXXX letters to Transunion, and I didn't get a response from them. The first letter was sent was on XX/XX/XXXX, and Transunion received the letter on XX/XX/XXXX. After I didn't receive a response from TransUnion, I sent them another letter on XX/XX/XXXX and Transunion received the letter on XX/XX/XXXX, XXXX.Today is XX/XX/XXXX, and I have yet to receive a letter or response from Transunion. I ASKED TRANSUNION TO ACCURATELY VERIFIY A LATE PAYMENT FOR : XXXX  : ACCOUNT # XXXX FOR THE MONTH OF XX/XX/XXXX. I CONTINUE TO ASK FRO PROOF BUT TRANSUNION CONTINUES TO IGNORE ME. I'M ASKING TRANSUNION FOR THE XXXX TIME TO INVESTIGATE AND PROVIDE PROOF WITH BANK STATEMENTS SHOWING THE PAYMENT FOR XXXX WAS LATE. IF PROOF CAN'T BE PROVIDED, I DEMAND THIS PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE. The only legal proof for a late payment comes directly from a data furnisher in the way of a bank statement proofing when I paid or didn't pay on time from the data furnisher. This proves when I paid on time. Anything other than documented proof is heresy. Anyone can create a statement stimulating a consumer paid late. Without this proof, there's no legal VALIDATION. In XXXXXXXX XXXX XXXX XXXXXXXX, Congressional opinion was that the credit bureaus can not put the burden of proof of the consumers to verify. It has to come from the data furnisher, it has to come from the credit bureaus. It can not come from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. In accordance with the Fair CreditReporting Act CXXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent account removed from my credit report immediately. 

XXXX XXXX XXXX XX/XX/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 an account without my handwritten instructions.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to formally request the removal of unauthorized accounts from my credit report. After reviewing my credit file, I have noticed several accounts that I did not open or authorize. These accounts have been reported without proper validation or my consent, and I believe they were placed on my credit file in error or as a result of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any information on my credit report that is incomplete, inaccurate, or unverifiable removed or corrected. Given that I have not been properly notified or given the opportunity to validate these accounts, I kindly ask that they be removed from my credit file promptly. 

The accounts in question are : [ Account XXXX - XXXX XXXX [ Account XXXX - XXXXXXXX XXXX I request that you conduct a thorough investigation into the legitimacy of these accounts. If they can not be properly validated or verified as belonging to me, I ask that they be removed from my credit report as soon as possible. I am a victim of identity theft and have been for some years now and I have reported these incidents to all 3 credit bureaus and they have still placed negative items on my credit report over the last 5 years with out proper proof or validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter from XXXX XXXX XXXX as supporting documentation for a dispute. I then received a letter Equifax in which Equifax is refusing to review/investigate the additional documentation.
Product: Credit reporting or other personal consumer reports

The company ( XXXX XXXX XXXX  ) is violating my rights! They keep prolonging my disputes and not validating my debt. I have been trying for months and have yet to receive any debt validation. Also they have committed over 6 violations to my rights according to the fcra including 605b. The debt has taken more than 45 days to validate making it unverifiable and by law needs to be removed from my credit report. The debt is also not consistent on all 3 credit bureaus making it inaccurate also making it illegal on my credit. I am willing to take legal action if this is not removed within 24 hrs. I have given the company long enough to respond
Product: Credit reporting

The credit information provided does match up with my personal information also i have previous knowledge of the inappropriate information on my credit report. Would like resolve this matter so it will no longer affect my scores in the near future thank you.
Product: Credit reporting or other personal consumer reports

I did not sign up for this credit card and its affecting my credit report.
Product: Debt collection

Jefferson Capital System continues to report false information on my credit report. They are not the original creditor and I reserve all my rights under UCC 1-308 without recourse, I have no contract with Jefferson Capital System, my middle initial is XXXX and they are using XXXX. in a name that sounds like my own. I believe I'm a victim of identity theft by their company and would like this situation resolved before I seek filing charges. Under 609 of the FCRA I have rights that are being abridged. They can not swear under oath that I owe a debt.
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 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  I did NOT authorize any of the listed accounts to be furnished on my credit report.
Product: Vehicle loan or lease

I had auto lease car with GM financial. I set up auto pay at the beginning of the lease and payments were automatically withdrawn from my account for 23 months. The last payment should have been withdrawn in XX/XX/XXXX. I assumed that like the previous payments they would withdraw it automatically. I usually check to make sure it was withdrawn. However, being a pharmacy manager at a community pharmacy, I was busy preparing to receive and administer the covid vaccine at my pharmacy that started on XX/XX/XXXX, I didnt check this time. On Sunday XX/XX/XXXX, I get an alert about a negative activity on my credit report, when I looked into it, it was a 30 day late payment on my leased car. I paid it up on discover and called GM financial asking why the last payment was not automatically withdrawn, I got 3 different answers : one was that I stopped auto payment in December and they received a confirmation. I told the representative that this was fraud because they can check that I havent opened the account since I set the auto pay 2 years ago. Then the second representative said that you scheduled the auto pay to end on XXXX not January 2 years ago! Then when I asked to spear to a manager, the manager stated that I had to pay the final payment manually! And that since they received the payment late, that cant do nothing about it. I asked to speak to a higher manager and was told he is busy and I can leave a voice mail and he will get back to me. Its been over 10 days now and he hasnt called. When I asked the representatives why I didnt get any alerts of the late payment or reminders, they claimed they called but I didnt receive any calls. I do receive e-mails form GM financial about services and rewards, but no e-mails about late payment or auto payment stopping. Ive had leased cars before and never had such a problem before. I disputed the late payment on my credit report but bank still wont remove it. Never had a late payment. I tried everything I could to remove it, but bank is not cooperating and representatives are were not nice about it. Tried to find excuses for the deceptive procedure they have.
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. 
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 XXXXXXXX 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 an 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX of the XXXX ( XXXX XXXX XXXX XXXX ) collections on my credit report that needs to be removed and my XXXX XXXX XXXX Balance is reporting incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEING AND USED FOR TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS THAT I HAD NO KNOWLEDGE OF THE ACCOUNTS OPEN SHOULDNT HAVE BEEN OPEN I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, 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: Mortgage

I applied for a refinance with quicken loans and was denied because of to much debt. I sent them many different documents explaining that the loans that they were referencing were paid by my business and not me personally but they continue to deny me. I ask that it be looked at and my original contact XXXX XXXX said he would look further into it and get back to me. I never received any notice in the mail or a call back from XXXX. I just tried to login and I was shut out of the portal. Still havent received a clear explanation because I provided everything then asked for multiple times.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I completed a financial on the platform XXXX. In the account settings, I have my XXXX Chime Bank receive these funds. I know the information is correct because XXXX used that information to receive money to my acct. XXXX wired me my money on XXXX for a total of {$100.00} It is now XXXX. I am attaching some very shady/confusion answer about the Chime system receiving my payment but " can not give me exact information at this time. '' Is this the type of response they give to financial regulators of agencies of the US Federal Government? I sincerely doubt it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate payment history, across XXXX, XXXX  and TransUnion, please Delete per the Fair Credit Act. 611 There are 6 XXXX account with the same account number : XXXX Please see attachment.
Product: Checking or savings account

I received a number of calls and an email from XXXX today on XXXX, two calls received prior to email. I did not sign up for any such calls or emails, two calls came from XXXX, both rejected. I do not appreciate being harassed, the calls and emails are not wanted.
Product: Checking or savings account

I received a XXXXXXXX XXXX XXXX  that I did not request. It says that it is from XXXX, XXXX. When I went to XXXX 's website, it indicates that all of its products are issued by a XXXX party. In the tiny print, it says ( XXXX ) I did not apply for the card, ( XXXX ) my information name and address were provided by a XXXX party and I can email XXXX to cancel the card and opt out. However, opting out seems like another opportunity to capture my information for the next XXXX party partner.
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Mortgage

Freedom Mortgage will not accept payments outside the current date window. This is the first lender I have seen do this in all the mortgages I have had over XXXX years. Example I am due for XX/XX/XXXX. I want to pay this payment today XX/XX/XXXX. I can only pay a principle reduction online. Or, I can send in a payment, Freedom Mortgage applies this as a principle reduction which I do not want and I have to call to have the payment applied as a regular payment. Allow customers to make payments as they see fit, stop trying to stretch debt out, or make it unfairly difficult to forward pay your mortgages you service. They have a payment button on the site, however when you click the button, if you are prepaid for that month you can only do a principal reduction unless I mail a check and then call to reallocate the payment. This is an unduly burdensome process for these times.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous.The 3 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 this 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