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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2024, a dispute letter was sent invoking rights under the Fair Credit Reporting Act ( FCRA ) to demand the immediate removal of an allegedly incorrect XXXX XXXX XXXX XXXX installment account from the credit report. The letter stated that the listing for this account with details like a {$10000.00} high balance and 120-month term is unauthorized and erroneous.

The key reasons cited for demanding removal were : 1. Lack of permissible purpose as no transaction or communication was initiated to authorize reporting this account 2. Potential identity theft concerns 3. Legal implications of non-compliance with the FCRA The letter formally demanded immediate deletion of the account listing and written confirmation along with an updated credit report showing the changes made. It stated failure to comply promptly could result in further legal action like FTC complaints and potential lawsuits against the credit agency.
Product: Credit reporting or other personal consumer reports

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. FED LOAN is missing my positive payment history from XXXX and needs to be updated immediately so that it is reflecting accurately. 

Acct XXXX is missing my positive payment history from XXXX and needs to be added immediately This account should be reporting identical across all XXXX bureaus so that it is accurate and fair to follow the laws of the FCRA XXXX
Product: Debt collection

My husband and I enrolled into a debt consolidation program XX/XX/XXXX. I notified every creditor, whether credit card, loan, or medical collection agency, that we were now in a debt consolidation program and being represented by XXXX XXXX XXXX. I gave them their email address and phone number to our attorney XXXX XXXX. ( Phone XXXX ) Both Tower Loan and XXXX XXXX continue to blow our phones up daily ( 5-8 times a day on my and my husband 's phone ), even after being informed several times of the situation and to please not call us but the attorney. I have been told by XXXX XXXX that they have not received any paperwork and even if they did, they have a right to continue to call us as much as they want ( this came from the manager ). 
Tower Loan ( today XX/XX/XXXX ) advises they have not received any paperwork and that they can not contact or talk to the attorney handling our case either. They too call 5-8 times a day, both our phones, and today the manager informed me, and I quote, " just know it is your fault I'm going to sue your husband ''. 
I got off the phone with Tower Loan and contacted XXXX XXXX. They inform me that letters have been sent out that we are enrolled in their program and that steps are in place to negotiate with them. They also informed me that these companies are allowed to speak with them due to the Power of Attorney my husband and I signed. She informed me to contact CFPB because we were being harassed and it is unnecessary as they could very easily call them and negotiate terms.
Product: Credit reporting

Went to XXXX XXXX hospital for XXXX XXXX a few weeks later I got the bill in the mail but when I called their billing the repsenative advised me to ignore it that even if I did n't pay my bill they could not report to the credit beaure because they were privately owned. I just checked my credit today XXXX to find they sent my information to a collection agency which is against the law. I wish to have the report from XXXX XXXX to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 states : I have 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 writing instructions. XXXX XXXX account # XXXX 15 USC 1681b paragraph ( c ) states : the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. please view attachment. The attachment i have uploaded is a print out of my XXXX XXXX  account and i have circled the information that is clearly unauthorized and inaccurate. i did not received a loan from this agency. Also under 15 USC 1681b where it states : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with
Product: Credit reporting, credit repair services, or other personal consumer reports

over 30 days ago, I noticed errors on My credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter to which I still haven't heard a response for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to continue reporting the disputed accounts without proper verification! I have been disputing these accounts on my Credit Report for quite a long time now by submitting dispute letters addressed to Experian and XXXX Credit Bureaus and informing them that I was a victim of identity theft. But despite all my efforts attempting to correct my Credit report, the Credit Bureaus have been doing nothing! I have read enough to understand my rights under the FCRA section 605b which is clearly being violated by the Experian and XXXX Credit Bureaus. Let me remind the Credit Bureaus of their obligation to comply with the FCRA statute. The following accounts resulted due to identity theft and therefore. I have also been asking for documentation bearing my signature to support the Credit Bureaus claims that the accounts I am disputing were mine but they have failed to deliver. I need the following accounts removed at the earliest possible time : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened:XXXX  Balance : {$15000.00} 2. XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

also the phone number on this account is incorrect because I am no longer XXXX my new number is XXXX thank you could you please update I downloaded an application called VENMO onto my phone because Im playing be online card games. You have to have this application or PayPal before you can receive any of the money that you win. I did not up on this application as you can tell by the screenshots attached, I received an email from XXXX stating that there was fraudulent activity and my card was locked. I asked them what type of fraudulent activity and sent them the emails stating that I had not even access the application or set it up. I have not applied for a Card. I have not attached my bank card. He refuses to tell me what kind of fraudulent activity, just want to investigate for three or four days and you can see the attached emailsTheyve been wanted me to upload my identification ID and all these other things when I didnt even set anything up yet I dont know why when Im telling them that I havent even set up anything because I wouldve had to upload that to set it up anyways Ive set up previous online account and they ask for my ID so I know I havent set it up yet so what kind of fraudulent activity on there they will not tell me photos are emails from company emails from me screen shots of application
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXXXXXX
Product: Mortgage

HomeBridge Financial gave me false information over the past 3 months regarding my PMI. Even after a letter was sent they refused to stop charging it and kept telling me I wasn't qualified for it even though I was. And when I finally escalated they refused to have me stop paying until it was at 78 %, which when requested and good standing can be done at 80 %.
Product: Credit reporting or other personal consumer reports

I have several accounts on my credit report specifically with Equifax that are being reported without my permission. I have made multiple requests, and Equifax has not deleted/removed these accounts. The details are as follows : Under 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) 15 U.S.C. 1681b 15 U.S.C. 1681i ( 7 ) these accounts are in violation of not reporting 100 % accurate : XXXX XXXX XXXX, XXXX Date Opened : XX/XX/XXXX balance : {$590.00} XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXX XXXX / XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$110.00} XXXX  XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00}. For the past seven months, I have asked for proof of verification along with the original contract with my signature that validates these accounts, as required by law. Neither Equifax nor the creditors have provided these documents, surpassing the 30-day legal requirement for such validation. This constitutes a violation of my consumer rights. I request Equifax to either present the original contracts validating these accounts or initiate a reinvestigation, compelling the creditors to provide the required documentation. This is a legal mandate, and the accounts should have been deleted/removed by now. Given the extended time frame, no dispute or investigation is deemed complete unless the original contract with my signed signature is presented by either the creditor or the credit bureau. I demand that these accounts be removed/deleted or verified immediately to rectify this clear violation of my rights.
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. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX, Account name : # XXXX 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 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

I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust `` XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Product: Vehicle loan or lease

I had requested lower payments over a longer time span because my monthly payments with Santander Consumer USA is astronomically high. I pay {$690.00} per month and I am struggling to make payments and want to work out a lower payment arrangement via longer time span in order to keep my car. I do not want to go bankruptcy but I may be forced to go bankruptcy if I am not able to lower my payments. When I first got the loan, I did not have student loans to pay, soon my student loans will exit the grace period and will need to be paid back and I ca n't tolerate these continued high payments. I was charged an astronomical amount of interest.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Dear Creditors, I want to ensure that the most accurate information is in my credit profile at all times. The listed items below are inaccurate and should be removed/deleted from my credit report immediately. 

Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate phone numbers : XXXX XXXX XXXX Please delete the following inaccurate employers : The XXXX XXXX XXXX XXXX XXXX I am filing this complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed a copy of my state issued identification and social security number to validate my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX ACCTOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Student loan

Mohela my loans showed zeroed out. Said my loans were forgiven. I called and the lady told me it was forgiven due to borrowers sentence and congratulations. XXXX showed them zeroed out also. A week later they are back and mohela said they dont see where they were forgiven and I said mam I have screen shots and I am sure you all can see what I see, she said someone would have to look into it.
Product: Debt collection

i pay {$220.00} dated XX/XX/07; 2018 for company name XXXX XXXX XXXX referce id XXXX this itam alradey my credit report for colection itam pl remove this thing thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ Subject : Complaint Regarding Debt Collection Practices by XXXX XXXX XXXX and XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX for their alleged violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. Their actions appear to be unlawful and harmful to consumers like myself. 

Specifically, the following issues have occurred : 1. **Failure to Provide a Full and Complete Debt Validation** : I have repeatedly requested validation of the alleged debt ( Account Number : XXXX ) that XXXXXXXX XXXX XXXXXXXX claims I owe. Despite these requests, I have never received a complete breakdown of the alleged debt, including all details such as the principal balance, interest, fees, and other charges. This information is required by the FDCPA ( 15 U.S.C. 1692g ), and failing to provide it is a direct violation of the law.

2. **Misleading Ownership of the Debt** : Based on correspondence from XXXXXXXX XXXX XXXX XXXX I understand that they no longer own the alleged debt. If XXXX XXXX XXXX is now the debt owner, they are obligated to provide me with proof of ownership, a breakdown of the debt, and evidence of a legally binding contract obligating me to pay the amount they claim. Despite my requests, no such documentation has been provided. Instead, I am left in a state of confusion regarding who truly owns the debt and who has the authority to collect it. 

3. **Illegal Reporting to Credit Bureaus** : Given the lack of validation and proper documentation, XXXX XXXX XXXX must cease reporting this alleged debt to all credit bureaus immediately. Continuing to report unverified and undocumented debts is misleading and damages my credit unlawfully. 

4. **Unfair and Deceptive Practices** : XXXX XXXX XXXX neglect in providing validation, along with the conflicting information Ive received , appears to be a deliberate attempt to mislead and frustrate me. Under the FDCPA, such actions are prohibited ( 15 U.S.C. 1692e and 1692f ). 

As a consumer, I have the right to : - Receive a full and complete validation of any alleged debt within 30 days of request. 
- Be provided clear and accurate information about the ownership and breakdown of the alleged debt. 
- Be free from deceptive, unfair, or unconscionable practices by debt collectors. 

I respectfully request that the Federal Trade Commission and CFPB investigate this matter and hold XXXX XXXX XXXX ( who was recently fined by the cfpb for these same violations ) accountable for their actions. These practices undermine consumer protections, harm my financial well-being, and violate federal law. 

If additional information is required to support this complaint, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the investigation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I attempted to purchase a new XXXX from XXXX XXXX XXXX, XXXX XXXX, CA. The loan was closed and the vehicle was delivered. Subsequently, I received paper work from Ally Bank saying the loan was denied, however, they sent an invoice for the first payment. I met with XXXX XXXX, finance manager, to ask why I have a loan that was denied. He said he made a call and got it approved. Told him had I been notified that the loan was denied I would have not completed the transaction. His comment was you wanted a car and I got it for you. Told him I would have walked. He did not want to discuss it any further and said the conversation is over. Told him I filed a complaint with XXXX and he will talk to them. He asked me to leave. The problem is I am XXXX years of age. Had he told me that I was not qualified I would have walked. In an effort to refinance the auto loan I contacted 12 lenders. I have been turned down by all. I submit he took advantage of a senior citizen to generate a commission for him and a sale for the company. Please note I have 2 separate letters from XXXX XXXX   denying the loan and one invoice. It is my opinion the loan is fraudulent and should not have been made.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i contacted Experian about the fraudulent activity on my report and the XX/XX/year> they responded by stating they investigated the matter which was not done according to the codes, which is to reach out to the original creditor and not the debt buyer which was what Experian did, the debt buyer must show the forward flow agreement, and where i had where they had signed my wet signature. The debt buyer does not have first hand knowledge so therefore the alleged debt is deemed invalid. Experian did not provide me with the evidence information on the XXXX through XXXX XXXX to the company in question, which is required by law. I want to know how Experian communicated with the company. I need all above mentioned information in order to accept their determination.