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

Both Experian and XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my consumer report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and 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 XXXX and Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am demanding immediate corrective action to remove or amend the disputed accounts, as XXXX and Experian inaction violates federal law and my rights as a consumer. 

XXXX ID # Experian : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was in dispute with XXXX XXXX over auto damage I caused to a XXXX  customers car and was attempting to come to a resolution. Instead XXXX  sold the debt to XXXX XXXX XXXX in XXXX XXXX, CA ( XXXX : XXXX ). 

I was contacted by a representative of XXXX XXXX XXXX ( I do not remember his name ) and he threatened that if I did not pay immediately or provide my insurance carrier info he would report the incident to the California DMV and my license would get suspended for driving without insurance. And because the DMV only sends notification via mail, I could get arrested for driving with a suspended license during the time between the suspension starting and the notification arriving in the mail. 

A second representative from Accelerated Recovery Services ( XXXX XXXX ) called both of my parents at their place of business and left voicemails claiming to be a XXXX XXXX XXXX representative, saying that the message was for me that she needed to collect on the debt I owe. She then called me later that day. She threatened that if I did not pay within 24hrs XXXX XXXX would be forced to file a lawsuit against me to collect the debt. I tried to call her back the next day and she didnt pick up. she called me back and left a voicemail saying that I needed to call her back by XXXX  that day.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, l noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 XXXX I did not authorize anyone employed from this companies to make inquiries and view my credit report. In addition, l did not give you ( credit reporting agency ) permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity but it's a serious breach of my privacy right. 
Please validate this information with these companies and provide me with the copies of any document associated with these accounts bearing my signature, authorized an inquiries. 
In the absence of any such documentation bearing my signature, l formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my XXXX report that Comenity Bank placed, when they claimed they could not access my report. So I contacted Comenity and they sent me a letter stating that they would remove the inquiry. 

I have sent this to XXXX  several times by electronic mail and us mail. I have called them 10 times on this matter and have been given 10 reference numbers, enclosed : REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Every time I check my report the inquiry is still there. The reporting company claims they have to dispute it. I asked why it takes longer than 30 days when a dispute should not take longer than 30 days to resolve or the item in question be deleted, as per the FCRA? They will not answer that. 

I have asked Comenity several times why is the inquiry still there and they can not answer that either.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a resident here in america, I dont want donald trump to kick me out because of bad credit. 
im trying to do the right thing. I dont do bad. someone used my credit or it was a mistake fromthe credit people. I never did this to me. Please help and delete from my credit. XXXX bless you.I never applied for 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 and inquiries attached. I had no inquireis dont apply for anythingloans Company or Organization : XXXX XXXX XXXX inquiries not mines 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

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
LVNV FUNDING LLC is reporting I owe a debt of {$11000.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Product: Debt collection

This company continues to send collection notices to us for a credit card debt that is at least 7 years old. We have advised them several times to stop all collections attempts yet they continue to call and send demands for payment in the mail.
Product: Debt collection

Asset Recovery Inc ( XXXX Vermont ) has placed 6 ( at this time ) XXXX XXXX on my credit report. 
I can not see the account numbers for these collections to provide to you. 
They did not send a dunning letter for me to dispute the alleged debts. I was unaware they were attempting to collect any alleged debts.This is the 3rd time this company has done this in the last year. Any of my alleged medical debts are covered by XXXX XXXX XXXX ( Paid insurance ) Any remaining balance is covered by XXXX XXXX XXXX program thru XXXX  I have Spoken to my financial counsel at XXXX. They tell me the invoices were sent in error. This is the 2nd complaint I have made against Asset Recovery Inc this year. The 1st complaint took them 2 months to respond. They said they were removing the collection I complained about. They have not taken any action at this time.

This has a drastic impact on my credit score and ability to secure funding.

The collections they are reporting are inaccurate and untrue. This company is willing to report unverified, non valid accounts knowingly and not held accountable for doing so.
Product: Vehicle loan or lease

This company have not carried out Fair Truth in Lending Practices. The contract was fraudulent. The vehicle was paid in full from XXXX XXXX XXXX XXXX estate ; then paid out by debits. The title was never received. I was also asked to make a down payment for the vehicle. That down payment was never reported. This account is over XXXX XXXX XXXX, but still reporting to my credit as closed.
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 XXXX  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 : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Credit card or prepaid card

I have this XXXX accounts that was close because a wrong return payment. I made the payments on time for over XXXX  years never have XXXX  missing payment or nothing wrong with the account. They close XXXX accounts because a return payment of the account that was payed already. This is insane
Product: Debt collection

Midland Credit Management LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by email, and identified the debt as XXXX in the amount of {$990.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 
As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that Midland Credit Management has the right to collect this debt within the state of Washington, I would also like proof of your current insurance bond.

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided.

Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit report pulled, this would be a lot to put all dates and information in here but I have just gotten me a full report of this. I'm glad I did read the article because I didn't realize ( due to being uneducated in credit ) that these credit cards of pre approval was scams. I do have hard inquiries on my credit score and most of them I have no Idea where they are from and I just dispute one of them because I was so confused. I have applied for multiple credit cards on Credit Karma and I am denied all the time. So I decided to stop but I didn't know that was considered fraud I would have said something a very long time ago. This is very shocking and sad and one thing I do know is that my credit score is actually inaccurate which is why I only use them to pull what's on my credit but I do know they lie about my score all the time because when apartments do soft credit check they will say Credit Karma is not the most accurate this is your score but I'm wondering how do they come up with these numbers. I thank everyone for this information because I was about to file taxes with them due to XXXX charging all these fees and I am now I'm curious why I can't get the money spend account which is puzzling.
Product: Credit reporting or other personal consumer reports

I've tried numerous times to including hiring a company to remove and/or update information on my credit reports with Transunion, XXXX, and XXXX with no results, no reasons why no results and not answers to results after more than 30 days. Its been time consuming and costly. I want these items removed.
Product: Credit card

Bank of America 's website as is does not allow me to pay my XXXX XXXX Bank of America Credit card from my external bank
Product: Debt collection

online purchase was made for item. 
Opted to use 3rd party payment plan service through KLARNA. Four installments Paid first two installments -received merchandise ; wrong size.

Processed return of merchandise back to the seller XXXX. 
Both the seller and the 3rd party payment processor KLARNA informed that merchandise was returned and customer is due refund. 
XXXX processed a partial credit. ( refund ) which was then used along with remaining balance owed to repurchase item in full. 
The second time around purchase was made directly through the seller XXXX  without the use of the 3rd party payment plan especially since XXXX provided the store credit upon receipt of return. 
Item paid for in full directly with Seller. Transaction and sale complete. 
Then KLARNA 3rd party payment processor continues to put transactions through bank account and continues with original purchase despite refund and return of original item. 
Klarna was notified directly that purchase was complete directly through seller and was strictly forbidden to process anymore transactions. Despite this request they illegal drafted anyway. {$37.00} - and attempted further drafts.

Transaction reported and disputed with my bank, Card closed.

KLARNA attempted a final installment and refused to refund the {$37.00} that was drafted without consent. 
XXXX  complaint filed. CFPB complaint filed and transaction disputed with XXXX XXXX. 
KLARNA has submitted false debt claim to third party collection agency who is now harassing through e-mail daily. 

Require reimbursement of unauthorized transaction and cease all further collection activity. 
Any attempt to impact consumer credit report for alleged debt will be met with full legal action taken against all parties involved.

This debt is false and not owed.

USC 15 1681 - coded laws will be implemented in course of legal remedy if KLARNA or XXXX XXXX XXXX persist in any further collection activity. 

XXXX
Product: Credit reporting or other personal consumer reports

I am listing XXXX accounts Fraudulent from my XXXX, XXXX and Transunion Credit Reports. XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX  XXXX. I am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Listed accounts and inquiries do not belong to me and must be removed from my Credit Reports. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting XXXX, XXXX and Transunion to mark these accounts and inquiries as fraudulent and remove from my Credit Reports. Thank you very much.
Product: Credit reporting or other personal consumer reports

Please delete old/incorrect information : TransUnion Delete Old Other Address 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 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 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 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 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: Debt collection

I have tried numerous times to apply for a XXXX XXXX Discharge and kept getting the run around. I am XXXX XXXX XXXX and unable to work. They are in the process of taking out 15 % of my monthly XXXX check to pay them back. They are refusing to assist me. The claim I am not XXXX. I have tried to apply for a total and permanent discharge. They used vulgar language and scare tactics.
Product: Vehicle loan or lease

The car was paid off in XXXX I was told the lien release was sent to me I never received it. The call was totaled and before the insurance company will send me the check for the loss they need the lien release I called GM financial on XXXX the XXXX and asked if they would fax it to the insurance company I was told they would but it could take 3 to 5 business days. My wife called Monday and spoke to a someone and asked if they could expedite the situation the contact was extremely rude and told her they had 3 to 5 business days. I called on the XXXX and was told they had 3 to 5 business days. As of the XXXX the insurance company still has not received the lien release.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, EQUIFAX AND XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. 

These inaccuracies are keeping me from obtaining new credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a legal right to dispute anything on my credit report that was not authorized by me. there area accounts on my credit report that does not belong to me and that is in violation of FCRA. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I initially complained about charges on my credit card that I never made, but the company refused to investigate this matter and refused to delete fraudulent charges from my account. 
Now they report this account as charge off / collection.
Product: Checking or savings account

I made a large deposit via check at the counter inside the branch with funds received from escrow. After the deposit was completed, I was notified by the receipt that the funds would not be available until 14 days after the deposit. I contacted the bank to no avail. This account has never been overdrawn, and there is nothing suspicious about the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen I need help
Product: Money transfer, virtual currency, or money service

My mortgage broker sent me wire instructions ( in a thread of emails we were sending back and forth ) and it turns out they did not send that one email out of the thread and said it must have been intercepted. I sent a VERY large sum of money from XXXX ( my account ) to JP Morgan Chase via a wire yesterday. It turned out that was a fraudulent account. JP Morgan Chase won't speak to me about this matter. XXXX said they are trying to get funds back via recall submission to JP Morgan but don't know the status of the funds or timing or if I will get the funds. I am in the process of closing on a house and may lose the house - and perhaps the funds? This is an emergency and I am not getting enough information or commitment that this serious fraud is being addressed.
Product: Checking or savings account

XX/XX/XXXX, tried linking my debit card to the app XXXX  to save money on the change difference of when i use my card to save for the future but PNC is denying access to the app XXXX  even though I logged in and tried to grant permission to use. This is my money at stake here and I'd like to use it for how I want to save. Please allow access to the app XXXX  so I am able to link my debit card to use to round up and save my money.