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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXBalance : {$5500.00}
Product: Vehicle loan or lease

My name is XXXX XXXX, please find proof of identification attached below. This is not a third party company. I am doing this complaint by my self. I am writing this complaint from my understanding of the Federal Law. First and foremost, I am revoking the power of attorney given to Auto Now financial Services. There has been several ongoing issues relevant to my consumer credit contract I hold with Auto Now Financial Services. Upon reviewing my receipts and contracts I have noticed : 1. According to federal laws the finance charge is the sum of all charges. So why was I charged a down payment plus other fees, title, registration processing, and insurance? THIS VIOLATES FEDERAL LAWS! There are also several errors relevant to the amount financed and what's owed. 

2. I noted contract paid off in XX/XX/2019, closed then reopened. Then I took notice to my contract number which I have paper work for, until I tried signing up online and had to call for contract information to access portal because there was a change. I did not receive any written notice and this was without my knowledge. Nothing in the mail to my XXXX, Az Address. This is FRAUD! 

3. I make payments biweekly, per month to Auto Now Financial Services. Yet when payments are made on time, they are being furnished to consumer reporting agencies as late. This is also fraud and violate the federal laws. Auto Now financial has several times violated federal laws, they have threatened me with repossession over the phone, they have caused me emotional distress by intentionally getting into arguments when I call to enquire about payments and due dates prior to having assess to online portal. I have reached to Auto Now Financial Services on multiple occasions just wanting to discuss my accounts but it always turns out into an argument and threats. This is also a violation of federal laws. 

As the consumer I will seek litigation against Auto Now Financial Services and the consumer reporting agencies in the event that these issues are not fixed.
Product: Checking or savings account

I was scammed online. I am XXXX years old and live alone and struggling for rent so I fell into an internet scam. The scammer offered to pay me {$500.00} through a check so I gave him my email address and full name to do so. He then sent me a check for {$1000.00} and told me i had to deposit it and send {$500.00} to an orphanage and then i would be allowed to keep the rest. This all happened on Monday so when i deposited the check only half cleared and I was told i had to send that amount instantly to the orphanage so I did over XXXX. the next day, Tuesday, the rest of the check cleared and I spent my portion almost instantly paying off bills and adding the remainder to my portion of rent. The next day ( yesterday ) I wake up and see my bank account is- {$1000.00} because the initial check bounced. I went to my local police department who laughed in my face and then my bank, Chase, who also told me there was nothing they can do since i wasnt hacked. Now i wake up this morning to a - {$1100.00} balance due to Chase charging me insufficient funds fees even though I already told them i was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of specific information from my credit report due to ongoing issues related to a data breach and identity theft. These matters have significantly impacted my life, and while I can not disclose all the details due to their private nature, I want to emphasize that I am a victim of identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681 ), I request that the following items be deleted from my credit report. I understand that Equifax, XXXX and XXXX is required to take action within XXXX days of this request. 

[ XXXX XXXX Bank XXXX XXXX Bank XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. ] Thank you for your prompt attention to this matter. I look forward to your confirmation of the deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX and Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Charge-Off Under the Fair Credit Reporting Act and Section XXXX Dear Experian/Transunion/Equifax, I am writing to formally request the removal of an inaccurate charge-off from my credit report. This charge-off, reported by XXXXXXXX XXXX is either inaccurate or fraudulent. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 605B ( 15 U.S. Code 1681c-2 ), to have this information blocked or removed. Specifically, the reporting appears to violate provisions under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), 1666b, and 1637 ( b ). As a result, the information reported to the credit bureau is invalid, and there is no legitimate basis for it to remain on my credit report.

The specific details of the disputed account are as follows : Creditor/Account Name : XXXXXXXX XXXX  Account Number : XXXX Date of Reported Charge-Off : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account was added to my credit report without proper verification or as a result of identity theft. Under Section 605B of the FCRA, consumers have the right to request the blocking of any fraudulent information from their credit report. As required by Section 605B, I request that you block or remove the charge-off account from my credit report within four ( 4 ) business days of receiving this letter and the supporting documentation. If this account can not be verified as accurate and legitimate, it must be deleted from my file in accordance with 15 U.S. Code 1681i ( Dispute Resolution ) and other relevant FCRA provisions.

Failure to comply with this request may result in further legal action to enforce my rights under the FCRA. Please confirm the removal of this charge-off and send me an updated copy of my credit report once the corrections have been made. 
If you need any additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC REPORT ATTACHED AS PDF IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) 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 section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from XXXX  so please tell me how you verified this information to be accurate?
Product: Checking or savings account

The customer service company they used was involved in stealing data a breach was reported that personal data was exposed
Product: Credit reporting or other personal consumer reports

With Atlantic Bay, it is saying I dispute my credit report after resolution, when I dont. So now I have to dispute that I dont dispute the report - excepting the comment that I do dispute the report. This sounds like a very bad riddle. Atlantic Bay should do the right thing, and remove inaccurate commentary. Nothing else is disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX XXXX account number is XXXX. In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Money transfer, virtual currency, or money service

CFPD I have been working with 4 different Fiancial Institutions. The investigations & evidence has been submitted many times, this is because I have continued to recieve new documents from these Mortgage Companies, all their documents and response are conflicting. Showing no payments, late payments, transfers undisclosed & unreliable.The response from XXXX XXXX has been denied again. Although XXXX states my documents are ineligible, the information sent to CFPB states that the evidence has been used & altered using the new material I summited. I believe XXXX should not have changed their response. I would need an examinator to read my complaints in its full entirety. XXXX has reported to this latest entry as Cruel, Abusive language, Unwilling to take action & cooporate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$4800.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$600.00}
Product: Money transfer, virtual currency, or money service

I was searching for an item on social media and I had came across the item I was looking for. I had conversations with the seller prior to sending him the money. He did all he could to make me believe him and he succeeded in doing that much. He sent me pictures of the product I wanted inside a box that wasnt closed yet and told me its ready to ship, all I needed to do was send the money so he can go send it through XXXX. On XX/XX/XXXX, I had sent him {$470.00} for the product and he asked for it to be sent through cashapp. He then waited a couple days and then deleted his social media and I never received what I was promised. The cashapp account, however, was connected to my bank account, so the funds were taken straight out of my bank account. Knowing this, a few days later I filed a dispute in hope of getting a chargeback but to no avail. They informed me that they werent successful in getting my money back. I asked cashapp prior to contacting my bank and they said all I could do is ask the guy for a refund. He declined my refund. I grabbed screenshots of our conversations to maybe prove to anyone that I was indeed scammed. The pictures have him promising to send me my product and him sending me some information of his aswell. The cashapp account that it was sent to is $ XXXX. He also gave me his phone number. XXXX ( XXXX XXXX XXXX.
Product: Mortgage

I am the executor of my parents ' estate. A mortgage on their home in XXXX CT was paid off 5 years ago, but never properly recorded on the deed. Numerous attempts to contact the lender, State Farm Bank, have been fruitless. They do not answer their phones or return calls. I called their corporate office, but can not get through. I have written to the CEO, XXXX XXXX and received no response. The property is currently under agreement for sale and I need to expedite the release of the mortgage. 

Please expedite this request. 

Thank you, XXXX XXXX XXXX MD XXXX XXXX
Product: Vehicle loan or lease

I received a phone call from XXXX at Wells Fargo Auto Finance, and I told him what I have in process of suing the car dealership. He asked what Wells Fargo Auto Finance could do to help me. I told him that the monthly payments have to be lowered. I`m paying {$550.00} for a used car that is only worth {$15000.00}, so I can not refinance. He said they 'can`t do that ', so I hung up on him and blocked his phone number.
Product: Checking or savings account

Incident date- XX/XX/2019 Bank 's Name- XXXX XXXX XXXX XXXX Location- XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Employee 's Name- XXXX XXXX. I walked into the bank to open an account. A free checking account can be opened with {$1.00} at XXXX XXXX. XXXX gladly open the account. 
The problem is she told me that she wouldn't mail me a visa debit card until I deposited {$50.00}. She told me once I deposited {$50.00}, she would gladly send me a debit card. She asked me was I sure I still wanted to open. I said yes. She received my {$1.00} and opened the account. 
The next problem is when I got home, the same day. XXXX called to tell me she had closed out my account. I asked why. She couldn't give me a straight forth answer. She only told me don't make any transactions because she had mailed the {$1.00} back.
Product: Credit reporting or other personal consumer reports

This is a request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I'm asking for proof of my obligation to pay and evidence that I am the party you're seeking payment from. This isn't a request for verifying my address, but a formal demand for validation. 
If your company or the company you represent continues to report invalidated information to credit bureaus, it may constitute fraud. I'm prepared to take legal action for any violation of the FDCPA. 
If you're able to provide the required documentation within 30 days, I'll review it. During this period, all collection activities must stop. If you fail to respond, all references to this account must be removed from my credit file. 
Please provide the following : Agreement authorizing collection on this debt. 
Agreement with my signature agreeing to pay the creditor. 
Any insurance claims or judgments related to this account. 
Creditor 's name and address. 
Debtor 's name and address. 
Alleged account number, debt amount, and payable date. 
Verification of debt assignment or sale. 
Detailed accounting of the debt. 
Commission information for successful collections. 
If any part of this request is incomplete, it will not be considered. Please allow 30 days for processing once I receive this information.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I submitted rent payment with the incorrect bank account. This bank account closed XX/XX/XXXX however, I still received {$100.00} NSF fee for both transactions. Since this account is closed, I shouldnt have received these fees. I would like these fees reversed.
Product: Credit card

I have been disputing this account asking for it to be verified or removed because I never opened it and they have continuously sent me paperwork showing account history but no verification, no agreement or contract has been verified and I have disputed and requested this multiple times from the company. I have been requesting this information be corrected since XX/XX/2022, I dont understand how payment history is proof that I agreed to any contract or terms
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

There are 2 companies in which I never had accounts with reporting information on my credit report. I contacted the credit reporting agencies via phone to let them know and was told to contact these companies. 

I attempted to send a notification to this company and let them know of this inaccurate information but when I went to the XXXX to send certified mail I was informed that these addresses can not be found in order to be delivered. These addresses are reporting on my credit report and they are not real addresses and I want this information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unuthorized inquiries and a charge off acount that is not correct
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX have refused to remove an illegally placed bankruptcy from my credit report. After numerous disputes and phone calls to them, even provided proof directly from the court house that this was no a legitimate bankruptcy they continue to respond to my dispute with the generic the item has been verified which is completely false and frankly a LIE. I have contacted and visited the court house personally and they indicated they do not share information with the credit bureaus as it violates FEDERAL LAW. I have demanded proof from TransUnion surrounding their verification methods, which they are required to provide by law and they have failed to provide and supporting documents of follow the law. This is a clear violation of my civil rights and I will be seeking to litigate in a federal court with an attorney if this is not resolved in a timely manner.