23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent and do not belong to me. I demand immediate removal.

1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature If you can't provide these items Delete them. 

I have attached a copy of my FTC REPORT for all XXXX bureaus.
Product: Debt collection

I hope this letter finds you well. I recently discovered a fraudulent account on my credit report, impacting my credit standing. The affected accounts are XXXX XXXX : XXXX and XXXX XXXX XXXX I did not open or authorize these accounts, and I suspect identity theft.
Product: Debt collection

debt collection law firm has repeatedly threatened me with lawsuits regarding an alleged debt and has refused to answer any of my legal questions about the alleged debt, the attorney 's I attempted to speak with only threaten to take my real property and sue me and they do not seem to have legal authority to threaten such actions, they refuse to work in good faith with me as well. I do not like be harassed, threatened or laughed at. I do not like the deceptive practices when I have attempted to work in good faith with this debt collection law firm
Product: Credit reporting or other personal consumer reports

I did not authorize or consent Transunion or any other reporting agency to the following inquiries to be furnished on my credit report. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

SantanderConsumerUSA deceptive business practices. 

SantanderConsumerUSA was sent a check on XX/XX/XXXX for final payment from XXXX XXXX XXXX, the dealership, on a vehicle that was financed through them. This is the final payment owed on a total loss vehicle. 

I called on XX/XX/XXXX and was told the check was " missing ''. 

On XXXX XXXX XXXX XXXX XXXX contacted Santandar and Santander confirmed they were in receipt of the check and it would post shortly. 

I called on XX/XX/XXXX to see if the check posted it was " missing ''. 

Santander then called me on XX/XX/XXXX to say the check was " found ''. 

I called on XX/XX/XXXX payment was still not posted and was told the check was " missing ''. I threatened to contact an attorney. 

On XX/XX/XXXX the check magically appeared and posted to the account and the account was closed. 

On XX/XX/XXXX they reversed the check saying there was a stop payment on the check. 

On XX/XX/XXXX dealer sent a new check overnight via UPS with tracking and signature required. 

On XXXX Santander signed for the package ( I have a copy of signature delivery - attached in document section ) On XX/XX/XXXX I have a recorded phone call where they confirmed they have the check and was told it would post in 5 business days. 

On XX/XX/XXXX it is still not posted. I am being sent a bill, still being charged interest. Recorded a conversation with a manager on XX/XX/XXXX where again Santander confirmed they have possession of the check and then I was hung up on. 

I called again on XX/XX/XXXX after being " disconnected '', also recorded the call and now the check has gone " missing ''. 

XX/XX/XXXX reviewed several XXXXXXXX XXXX complaints and this failure to post payment to consumer accounts seems to be their general business practice, practically those with total loss vehicles. Not an attorney but appears to be consumer fraud on mass scale. 

This is a deceptive business practice and needs to stop. This bank should be investigated and have operations suspended until they make their consumers whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife saw this account re-added to her credit report and I looked and it is on mine too!! I have no knowledge of this account or what I would even have XXXX for ... I also filed bankruptcy for removal of all debts so I know I have not had this account. 

You have helped me in the past and hate I have to ask you again.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to lodge a formal complaint against the XXXX major credit reporting agencies XXXX, XXXX, and EQUIFAX, for willful non-compliance to remove personal information from my report and failure to maintain the accuracy and integrity of my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX. 

I sent this request on the following dates : XXXX. XXXX on XX/XX/2023 XXXX. XXXX on XX/XX/2023 XXXX. EQUIFAX on XX/XX/2023 Incorrect Personal Information and Identity Theft : Despite repeated requests, these agencies have failed to remove incorrect personal information from my credit report, including non-mailable addresses and non-reachable phone numbers. I am a victim of identity theft, as evidenced by an active identity theft report, which I have filed. The inclusion of incorrect information not only misrepresents my personal data but also exacerbates the risks associated with my identity theft situation. 

Failure to Update Personal Information : Additionally, XXXX, XXXX, and EQUIFAX have not updated my report to reflect my true and correct name. My credit report should only list XXXX name and XXXX address, representing my current and accurate personal information. 

Lack of Permissible Purpose and Consent : I have not consented to the inclusion of any additional personal information on my credit report. The inclusion of such information without my written consent and the lack of a permissible purpose for collecting and reporting this information constitutes a clear violation of my privacy rights under the FCRA. 

Potential Harm and Request for Immediate Action : Given my status as a victim of identity theft, the mishandling of my personal information by these agencies is not only a violation of the FCRA but also poses a significant risk to my financial security and well-being. I request immediate action from the CFPB to investigate this matter and ensure the correction of my credit report by XXXX, XXXX, and EQUIFAX. 

Please find attached the relevant documentation ( including identification ) with the correct personal information and the information that needs to be removed. This is being put in the document since its personal information.
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. 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

Upon review of my credit file, I noticed numerous inquiries that were NOT authorized. The unauthorized inquires are as follow : 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian  There are XXXX unauthorized inquires from `` XXXX XXXX  '' within a 2 day span ! This is ridiculous and may have been a case of FRAUD. I DID NOT AUTHORIZE any of the above inquires and would like to have the removed. I am also requesting documentation showing my authorization of these inquires, if this can not be provided these bureaus must remove them all from my credit files from each of them, respectfully.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the
information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my credit report and noticed that an account that was DELETED on XX/XX/XXXX was re added to my report. I WAS NOT NOTIFIED THAT THE INFORMATION WAS GOING TO BE RE ADDED TO MY REPORT After per Equifax " when an item is deleted it is removed from your credit report and taken steps so it does not reappear ''. That is not the case!!! this account needs to be removed from my credit report ASAP. I have attached the copy of the letter received from Equifax confirming that the account was deleted. My true credit report is not being shown. The account is XXXX XXXX XXXX act # XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for TransUnion And XXXX  to do an independent investigation and they didn't. Because of this, I have re-sent my previous dispute letter with the one that was mailed out mid of the year and I need for this to remove or delete per my original request. These do not comply with FCRA regulations. 
I need to see the paperwork that shows how these were investigated. I also need to see where this information originated from because I've provided direct facts from the credit report. These facts can not be refuted! How can they state that they are accurate when I've clearly pointed out exactly why they can not report? 

XXXX I need to see the proof that I was ever late or this needs to be updated XXXX this is still reporting with an inaccurate court name and this is now in violation of section 1681, 609 and 603.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ). to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate, or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected, nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove, or amend the disputed accounts. As Experian 's inaction violates federal law, and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi denied credit to me on XX/XX/2020 with explanations that not evident on my XXXX  credit report which they sighted as reporting the information. I have tried to contact Citi and XXXX  with the phone numbers provided, but neither company makes contact available to consumers other than automated lines with choices that do not apply to my problem. What recourse do I have?
Product: Credit reporting or other personal consumer reports

The company known as CHEX SYSTEMS, INC. is currently reporting inaccurate information onto my consumer credit file at the agency. This information is being reported as a result of identity theft. I have never given consent nor authorization for these institutions to access my consumer credit file at CHEX SYSTEMS , INC. The information that is currently reporting to this credit reporting agency is unauthorized and a result of identity theft. I have listed the companies on the attached Notice and FTC Identity theft Affidavit, including the online filed FTC ID theft report. Although it is NOT required I have also filed a XXXX  police report which is attached as well. NOTE that there is no requirement for any " police report '' besides the FTC Identity theft report and that any attempt to " stall '' your duties with the excuse of not receiving a " police report '' will be considered noncompliance with Federal Law and the Fair Credit Reporting Act 15 USC 1681c-2 ( a ). I have only submitted this CFPB report which CHEX SYSTEMS, INC. will received on the date of 8.3.24. Pursuant to Federal statues 15 USC 1681c-2 ( a ) I overstand that the credit reporting agency is to immediately Block and remove this information within 4 business days of receipt by the agency. I am severely distraught that my personal information has been used in an unauthorized manner and am actively taking every measure to get to the bottom of it. Once again no consent was given by me to any of these companies/institutions to run credit, conduct an inquiry or any other action in regards to CHEX SYSTEMS , INC.
Product: Credit reporting or other personal consumer reports

Hard inquires on Experian credit report, XXXX XXXX ON XX/XX/XXXX THIS IS INQUIRY WAS NOT AUTHORIZED AND HAVE NOT APPLIED FOR AN AUTO LOAN. 
XXXX XX/XX/XXXX THIS IS ANOTHER CREDIT INQUIRY PLACED ON CREDIT REPORT AND HAVE NOT APPLIED FOR CREDITXXXX DATED XX/XX/XXXX WAS ANOTHER CREDIT INQUIRY THAT WAS PLACED ON MY EXPERIAN CREDIT REPORT WITHOUT MY APPROVAL OR ATTEMPTING TO GET CREDIT APPROVAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to claim the collection account below is accurate when it was paid off, and agreed upon by the collector to be removed from my credit. Please see the attached letter for proof of payment. 

Account Details : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i file a dispute in XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX asking for method of verification for a bankruptcy being reported on my credit report by " XXXX credit bureau '' only to be ignored and repeatedly lied too.Stating the us bankruptcy courts are XXXX XXXX provide this information. I have documents stating otherwise.from both the bankruptcy courts and XXXX XXXX stating they did not give out such information!! please investigate Sincerely XXXX XXXX
Product: Debt collection

I received notices that a collection account from Midwest Recovery Systems LLC originally known as XXXX XXXX was now showing on my credit reports for {$890.00} as of XXXX/XXXX/XXXX. It is also showing twice on my XXXX report. I have never been notified by this company about an outstanding debt, they just placed a collection on my report and started calling and leaving me messages on my phone.
Product: Vehicle loan or lease

XXXX me and my father bought a XXXX XXXX XXXX from a dealer and XXXX XXXX. XXXX XXXX XXXX XXXX had shut the dealership down little while after I got the vehicle.down after I bought a vehicle. I've been trying my best to make my payments on this vehicl. it's very difficult. They want {$30000.00} for a XXXX XXXX XXXX. And they put my payments at XXXX XXXX a month 9 including. I just lost my father last year who was on the Title with me Ever since I've had this vehicle, it's been issues with the brakes electrical problems and etc my father and i had to go to XXXX. aide to hire a lawyer for this XXXX XXXX XXXX. He said they took advantage of us and our income cause we were fixed income I just lost my father last year. And I provided documentations of my father 's death. They never removed him from. The contract I had to go to probate court for all my dad 's estate. I had to put the XXXX XXXX on the estate and I did. I have I contract currently on the truck for tires. I'm still making payments and they put me on to repossession. I made a {$50.00} payment last month and they did not butter the offer me a payment arrangement. They just threw me in repossession. Also, credit acceptance told me to try to take the vehicle to a dealership and trade out of it. And to find out when i've been vin it it say XXXX XXXX  also found out back in XXXX XXXX. My lawyer XXXX XXXX from lego aide Screenshot had left told me that he requested the title history from XXXX. I'm this vehicle they refuse to give it to him. XXXX also informed me that the vehicle was in XXXX {$1000.00} accident after the fact of the dealership selling the vehicle to me. The vehicle is currently under repossession and there is currently mold growing through the seats in the back of the vehicle I. Removed all my belongings out of it. Also my licens license plate. I did call today and try just make a payment arrangement of {$200.00}. They refuse to take it. They told me they needed the whole XXXX XXXX XXXX up front door the vehicle is currently not running. I was in an accident back in XXXX and I was rare ended and right after that happened my vehicle got fixed. XXXX XXXX XXXX A couple of months later, my water pump failed. It's gon na cost me XXXX to XXXX to get a new water pump. I can't afford that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax ; XXXX and XXXX are reporting incorrectly late on the XXXX XXXX   XXXX accounts. ( Please see pages 4 6 attached from my credit report, along with a spreadsheet outlining account numbers. ) These student loans are in deferment. I have attached a copy of the letter from XXXX XXXX dated XX/XX/2019 verifying an Administrative Forbearance on these student loan accounts. This incorrect reporting of late on these accounts is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Experian is reporting my score much lower than it should be. I own 5 credit cards with a total balance of {$2000.00} which I pay off each month. All of my other loans have been paid off and are in " exceptional '' standing. Yet my score is XXXX and is only fair. The image I attached shows all my accounts. You will see they are all in exceptional standing yet I'm being marked late and my score is terrible. The image shows all my accounts as of XX/XX/25
Product: Credit card or prepaid card

When I originally opened my XXXX credit card with XXXX XXXX, it carried no annual fee. When XXXX switched to Barclay 's MasterCard, it switched over to a card with a {$40.00} annual fee. Last year, I called because I did not want to pay an annual fee. I asked to downgrade my card to the Barclay 's XXXX card that had no annual fee. 

The representative told me that instead of downgrading my card, they could instead waive the annual fee, as my card offered me more perks than the no-annual fee card. I was also told that if the following year, I was not happy with the additional perks, that I could then downgrade my card. 

Now, I just saw that it was time for them to charge me an annual fee. I called up and asked to have my card downgraded to the no-annual fee card, as I was told I could do, if I wasn't satisfied with the additional perks offered for my level of credit card. However, unlike the assurances I was provided last year, now I am being told that there were no " offers '' available to downgrade my card. If I wanted the no-annual fee card, I would need to close my current account and apply for this new card. So now, my options are either to pay their {$40.00} annual fee or close my account/open a new account, which would have a negative impact on my credit score. 

I was lied to and believe this is a classic bait-and-switch tactic by the credit card company.