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

On XX/XX/XXXX I sent out disputes to each credit bureaus asking them to block the inaccurate items on my report due to identity theft also sent in a ftc report showing items that is effecting me. According to consumer law 15 USC 1681 C-2 any credit reporting agency shall block information in 4 days upon receiving notice of breach of identity. The Credit Bureaus have failed to do this violating my consumer rights. And i am impaled to seek the proper remedies if this is not properly taken care of. 

On XX/XX/XXXX i received a letter from all bureaus stating that my request was sent in error which is very disheartening being as though I am the natural being consumer. According to procedure in case of disputed accuracy 15 USC 1681I I should be afforded a fair investigation of the disputed items to be looked into for accuracy. This matter has not been taken into consideration. 

I am asking all my request be granted thru the fairness of the law and taken care of expeditiously
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

According to US Code 1681b Permissable Purpose, the law states that you are not to furnish a credit report on a consumer without permissible purpose. The exclusion section of 1681 also states the term credit report does not include information solely as to transactions such as payments and payment history. You have invaded my privacy multiple times and I plan to seek legal action. The accounts XXXX, XXXX XXXX and XXXX should be removed immediately. I have accessed paper work and will file a new lawsuit if no action is taken. XXXX has removed a XXXX XXXX account from my report. It should not eve showing on any other reports.
Product: Debt collection

On four different occasions I have asked Employees of Tower Loans not to contact me at work. I am a XXXX XXXX so obviously I can't receive personal or business calls at my place of employment due to the nature of my business. However, they continue to call my workplace even after being asked not to. 

They have also continued to call and harass my friends, coworkers and associates after being asked not to.
Product: Credit card or prepaid card

U.S. Bank is in violation of numerous consumer credit laws. I used my credit card as defined by 15 usc 1602 ( l ) to enter into a consumer credit transaction with XXXX XXXX XXXX ( Now U.S. Bank ). XXXX had been sending me deceptive forms as described in 15 USC 1692j for me to pay on an alleged " debt '' when in fact, I am the original creditor and the consumer. Pursuant to 15 usc 1692c, I have informed them in writing that I wish to no longer pay on this alleged debt. 15 USC1605 ( a ) states that " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '', but in contrast, they have taken a plethora of comparable cash transactions ( ACH payments ) over a course of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need TransUnion, XXXX and XXXX to remove late payments on account XXXX XXXX, XXXX XXXX XXXX XXXXXXXX missed payment due to cov19 pandemic and weather desaster declared by governor in Michigan. The XXXX companies asked to speak to the company but the company arent removing it or answering me back and they harming me because I want to apply for a mortgage and they not doing it. I need help thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX XXXX of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, Equifax  and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
I have always made my payments on time. For some reason, I realized that there were a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX XXXX XXXX XXXX XXXX past due. Ive never been behind on my payment. I tried contacting the XXXX, Equifax and XXXX Credit Bureaus and the account they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for XXXX XXXX accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}.
Product: Credit card

I thought I had made enough smaller payments during the preceding 30 days to cover the minimum monthly payment on this card, but apparently, I missed it yesterday ( XXXX due date ) by about {$23.00}. CapOne charged a {$27.00} past due fee this morning. 

Charging a past due fee greater than the amount past due, notwithstanding that " past due '' was less than 24 hours, is legally unconscionable.
Product: Credit reporting, credit repair services, 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 and XXXX XXXX XXXX has XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 1681sXXXX ( A ) ( XXXX ) 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: Debt collection

My XXXX XXXX XXXX was totaled, contacted financial company Ally debit was paid by gap insurance and XXXX insurance. Ally is stating I owe a balance of XXXX to them because my loan was not paid due a push back loan arrange nothing was sent in the mail and also the insurance company paid the car off. Ally is stating payment is XXXX. Nothing was sent after full payment was received stating i owe a balance of XXXX after both insurances paid my car off and it was a balance my insurance would have not paid the car off until any owed balances where paid off this not accurate .I 'm disputing this matter this issue has been hindering my credit since 2017.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it's necessary to eliminate any accounts with false information from my credit report. Please inspect the documents since there are discrepancies in the listed accounts ' amounts and dates.
Product: Credit reporting or other personal consumer reports

I do not recognized this address on my credit report. Please remove from my credit report Thank you XXXX XXXX XXXX. XXXX XXXX, Oh XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times. 
. 
XXXX XXXX XXXX  Inquiry Date..MXX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX  XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX  Inquiry Date..XX/XX/XXXX XXXX   XXXX/XXXX & XXXX Inquiry Date..XX/XX/XXXX XXXX   XXXX  XXXX  Inquiry Date..XX/XX/XXXX XXXX/XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX/XXXX XXXX  Inquiry Date..XX/XX/XXXX7 XXXX  XXXX XXXX  XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX/XXXX XXXX  Inquiry Date..XX/XX/XXXX XXXX  XXXX XXXX   Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/XXXX XXXX Inquiry Date..XX/XX/XXXX
Product: Debt collection

MCM collection agency keeps calling my job, leaving messages on my work phone. Completely inappropriate.
Product: Debt collection

LVNV Funding LLC has listed an account on my consumer credit report. I do not have a relationship or contract with LVNV Funding LLC. LVNV Funding LLC is furnishing false, misleading and deceptive information on my consumer credit report. This alleged debt is disputed and proper validation is requested.
Product: Debt collection

From XX/XX/2021 - XX/XX/2021 Halsted Financial has called me over 7 times ( 8 times as of XX/XX/21 ) I have tried to block their number but they use different phone numbers to bypass my attempts to make them stop.
Product: Credit reporting or other personal consumer reports

Dear TransUnion XXXX Department, I am writing to formally dispute the unauthorized re-insertion of an account from XXXX XXXX XXXX on my credit report. This account had previously been removed but was reinserted without any notification to me, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, if any previously deleted information is reinserted into a consumers credit file, the credit reporting agency is required to provide written notice to the consumer within XXXX business days of the re-insertion. I was not notified of this re-insertion. This lack of communication violates my rights under the FCRA. 

Furthermore, I have concerns that XXXX XXXX XXXX may not have conducted the required reinvestigation under 15 U.S.C. 1681s-2 ( b ) before re-reporting this account. This raises serious questions about the accuracy and legitimacy of the account information being reported.
Product: Money transfers

made a purchase from XXXX and paid via paypal. turned out XXXX had charged me the full amount for a new ticket, same date, same flight, same plane, instead of adding luggage to an existing ticket. now i am double booked. when i realized what had happened i called paypal immediately and they would not help. XXXX said no refund for a promo fare flight, regardless of the circumstances and that it is a double book.
Product: Vehicle loan or lease

I requested a copy from the creditor and realized a lot of fraud and violations under Florida statute and TILA. 
The copy which that United Auto Credit provided is not the sane as the original copy and under Florida statute 520.07 ( 1 ) ( a ) this contract is fraudulent. Eg. Dates incorrect, no signature provided, no TILA disclosures or RISC disclosures which must be provided according to Florida statue 520.07 ( 1 ) ( c ). A finance charge is on the contract which Under USC 15 1605. A down payment of {$2500.00} cash was handed to the dealership.

Company refuses to breakdown finance charges. The seller didn't sign original contract under Florida statue 520.07 ( 1 ) ( a ). Which means they're a number of violations and fraud. I will be taking legal actions against them. Also the I was told the extended warranty was mandatory which Im paying for and wasn't given the option to opt out and was told I have to pay in order to get credit. TILA violation again. The original contract date is XX/XX/23 and UAC has XX/XX/23. Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing XXXX Account # XXXX. The reason for the dispute is because I requested directly from the Furnisher XXXXXXXX XXXX on the date of XX/XX/2018 for validation of debt. They failed to provide that information in the proper time frame of 30 days. Also the proper repossession paperwork has still not been produced to me. Im in the process of failing a claim with the Attorney General Office and also filing a lawsuit against XXXX XXXX if they will not comply with my request for the violation of my rights. Now the problem Im having with the CRAs are as follows. According to the FCRA RULE 623 ( a ) ( 3 ) the furnisher must Report to the CRAs items are in dispute by consumer. On my credit report XXXX didnt report this information so this is violation number one. On my credit report it reports different open dates for the same account to each CRA. This account also report different month terms between each CRA. High credit balance is different for each CRA. Last reporting date is different for each CRA. Also date of last activity different between each CRA. Last payment different as well. Furnisher rule 660.4 ( e ) says inaccurate date and payment activity and account activity is a violation. This account has to be removed by the CRA because this is beyond just a validation of debt by furnisher issue. The furnisher kept very poor records I have all supporting and necessary proof and paperwork to support my claims. If you as the CRA continues to report these information. The CRA will be willfully and knowingly reporting inaccurate information. Which is violation FCRA ACT section 1681s-2 ( a ). 

Attached documentation are as follow CFPB first dispute to XXXX XXXX. 
Follow up letter to XXXXXXXX XXXX from me. 
Credit Report showing the inaccurate information.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian 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 card or prepaid card

Citi risk reduced my credit line from XXXX to XXXX without providing me the proper regulatory notifications. I happened to be traveling when my card declined and thats when I found out that my line had been reduced a week or so ago. I disputed the reasons for the reduction. Customer Service refused to transfer me to someone to review. My only option was to make a large payment. Citi literally left me stranded. I make a considerable large salary, have ALWAYS paid my bills on time and pay this Card in full almost always. Citi is being very deceptive and unfair with their lending practices. This needs to be investigated. They still have failed to provide me proof they notified me of this change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation Of Fair Credit Reporting Acts 15 U.S.C. 1681 Section 602A Stating That I Have A right to privacy and 15 U.S.C. 1681 Section 604A Section 2 stating that a consumer reporting agency can not furnish an account without my written instructions. XXXX, XXXX, Equifax XXXX, XXXX, XXXX XXXX XXXX,, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AMSHER COLLECTION SE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMSHER COLLECTION SE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMSHER COLLECTION XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

I got in a car accident XX/XX/2021 and I had insurance by XXXX  and it was liability insurance. CNAC Didn't reimburse me for my tow as they said they would on the CAR CARE CONTRACT and I didn't receive no rental car when my car was totaled. I filled a claim with JD Byrider under the CAR CARE CONTRACT and JD told me that I had to wait for the claim to be processed. I never received nothing in the mail about me owing this amount on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove old bankruptcy from my credit report. 
Public Record Date Filed - XX/XX/2013 Type - Chapter XXXX   Bankruptcy Discharged Court - BK Reference - XXXX
Product: Mortgage

On XXXX XXXX our house caught fire, that morning we reached out to the mortgage company to inform them about the matter. In XXXX we requested a copy of the payoff balance, we received this request in XXXX. On XX/XX/XXXX I sent the dwelling payment from our insurance company to XXXX Mortgage. They received the payment on XX/XX/XXXX ( This was certified, and I had a receipt request ). About mid-month of XXXX, we called in regard to the remaining funds from the dwelling payment, we were told we had to wait XXXX  days before they would release the funds. So, we waited and in XXXX of XXXX  we called about it again since the XXXX  days had already passed. XXXX informed us they never received the payment and told us how much we owed and that we hadn't made a payment in XXXX  months ( this not being true ). Later that month we kept getting text messages and calls in regard to our house being up for foreclosure. On XX/XX/XXXX I checked with the County Clerk 's office to see if a foreclosure had been filed and sure enough it had been, it was filed on XX/XX/XXXX. 
I called Power Default who is the " Attorney '', I was asked to send them all documentation I had showing it had been paid, they would then call me back, which they still have not done. The house is scheduled to be auctioned on XX/XX/XXXX at XXXX. 
I reached out to XXXX who is our insurance to ask if the dwelling payment had been made and I received an email back within seconds saying the check cleared the bank on XX/XX/XXXX and XXXX has the funds. We had tried calling XXXX and talking to them about this matter, but no one seems to know where the money went and again, we are being told we are behind.