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

XXXX, reported me XXXX delinquent and I am not delinquent. I made my payment on time, and the company returned the payment. I have an excellent payment history and never missed a payment. The bureau shows i paid XXXX XXXX, and XXXX is showing XXXX  days late while we are STILL IN XXXX! I resubmitted the payment on XXXX XXXX. Receipt number # XXXX for {$180.00}. I have attached copies of bureau as well. In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

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


Account no. : XXXX
Product: Vehicle loan or lease

GM Financial is not letting me exercise my federally protected rights. I sent GM a Right to RESCIND letter that they received XX/XX/XXXX, XXXX XXXX signed for it. They have 20 days to respond and send my refund back pursuant to 15 USC 1635 ( b ) and 12 CFR 226.15. They have yet to respond. I called multiple times last week XXXX or XXXX and XXXX the rep told me to give a manager time to look over the document and call back XXXX instead I waited and called XXXX. And they keep sending me to different departments and telling me a supervisor will call me back but haven't called back. I called today XX/XX/22 spoke with XXXX id # XXXX and also XXXX id # XXXX they told me a lead notated the account saying he not dealing with legal matters when this is a letter from me the consumer stating I want to rescind my contract which I have those rights within 3 years because my contract from GM violates XXXX  with the no cooling off period and, I have a right to rescind and they failed to disclose that. Once they transferred me to the recovery department I asked for an supervisor again the guy who name I don't have put me on hold for about 10 mins came and said supervisors are not available. 
The CFPB also has a table of content with the consumers right to rescind stating that a consumer can exercise there rights to rescind as long as you notify the creditor and is in the 3 year period and I have done both. The letter states clearly I'm exercising my rights to rescind.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$620.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Am Ex customer service is horrendous. I have been a member since XX/XX/XXXX and hate them. It took me from XX/XX/XXXX to XX/XX/XXXX to finally get someone to speak with me on a " late charge '' I incurred by paying my bill early. I spoke with XXXX XXXX on XX/XX/XXXX, she was very accommodating and removed all the charges AMERICAN EXPRESS added because I paid early and a supervisor would not call me back! She forgot to remove a {$5.00} interest fee ( just an over sight on her part ) so AMEX charged me {$27.00} interest fee on this. I pay my bill in full for 14 years now, and I pay too early and have been going through XXXX ever since. I called today to speak with XXXX like she said I could if there were any other problems. The initial operator refused to find her, so I spoke with XXXX who word for word stated " Its not american expresses fault you paid early and got a late fee! '' This can be verified as it was being recorded. He said THEY were generous enough to remove the late fees and interest accrued ( except XX/XX/XXXX, even tho they removed XX/XX/XXXX ) -THAT THEY CAUSED BECAUSE I CALLED 8 TIMES, AND POSTED ON HERE SEVERAL TIMES FROM XX/XX/XXXX TO XX/XX/XXXX TO SPEAK TO A SUPERVISOR!! XXXX has a supervisor but he told me NO ONE CAN EVER SPEAK WITH HIM! i ASK IF i COULD EMAIL HIM MY ISSUESXXXX REPLIED " NO YOU CAN NOT CONTACT HIM IN ANY WAY '' His name is XXXX XXXX, I would assume he is as much of a horse
Product: Checking or savings account

Total of {$560.00} fraudulent charges at XXXX XXXX after the fraud prevention alert to which I responded no and to send me a new card
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep removing and returning back to my credit Ive been dealing with this for years
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX .... 
and XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. As the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2.
Product: Vehicle loan or lease

The car was repossessed. The amount the company is reporting is inaccurate.
Product: Debt collection

on XX/XX/2018 at XXXX XXXX I was called by someone from this company about a debt from an old Electric bill that I had in the past that was included in my XXXX  XXXX. I told the woman that I did not have the attorney phone number or the case number because I was at work but I did however have the name of my attorney. I spelled out the first and last name of the attorney and said if she XXXX the name his address and phone number would come up. The rep then got very rude and said that its not her responsibility, I said ok well I'm at work and I cant search for the phone number or address for you. she then said that I will still receive collection calls until I call back and provide all the information. which I feel is illegal. If I mention that I have an attorney and that I have filed Bankruptcy they shouldn't call me anymore or threaten to.. so then after she said it wasn't her responsibility I told her DO NOT call me again I don't even care about this. she then got snippy and said well we will still call and this will still affect your credit and she hung up on me. I feel like she was very nasty, demanding, condescending, combative and abusive. A telephone bully. I'm Contacting my attorney in regards to this to see what legal rights I have in regards to a potential lawsuit also will be filing a report with the state attorney general and the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

This is NOT a credit repair company. This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : XXXX XXXX XXXX and XXXX XXXX XXXX. Fraudulent accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX 3 accounts ), XXXX XXXX XXXX. 2 Collection Accounts : XXXX XXXX and XXXX XXXXXXXX XXXX 

I am asking EQUIFAX, XXXX and XXXX to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Product: Mortgage

Our Mortage Company from day one have been very unpleasant to work with, we miss a payment and try to schedule two payments withdrawals from our bank account and they accepted one and then declined every payment thru direct debit from our account. I have copies of that. Then we try to see if there was any way they can help us to to avoid any more miss payments but they never reply or was sent any letter to us. Months have pass we already apply to see if we can received a loan to add to our loan amount and have a fresh start. But they already have accelerated for a foreclosure without giving us any options to avoid the foreclosure proceedings
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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

IQ DATA INTERNATIONAL ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX XXXX XXXX XXXX ) -- - IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$340.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX I have expressed to XXXX, XXXX XXXX. EQUIFAX that they were not REPORTING my XXXX XXXX  CREDIT CARD. Date open XX/XX/XXXX Credit History 7 years 11 Months ALL 3 REMOVE this information XX/XX/XXXX. 

This has possessed a INTENTIONAL NEGATIVE AFFECT on my PERSONAL and BUSINESS! 

Each bureau, XXXX, Equifax, XXXX have COST my Business at LEAST {$10000.00}. Dollars of BUSINESS CREDIT! 

I reach out to them on 6 occasions. NO RESULTS!!
Product: Credit card or prepaid card

XX/XX/22 a credit card at The XXXX XXXX was opened in my name using an old physical address and a current email address. 2 pairs of shoes were purchased online totaling {$46.00} to be shipped to an address in FL. I called customer service on XX/XX/22 and had the card cancelled. I have received confirmation via mail that this account was cancelled. 
XX/XX/22 a credit card at XXXX was opened in my name using an old physical address and a current email address. 2 pairs of sandals were purchased online totaling {$70.00} to be shipped to my old physical address. I called customer service on XX/XX/22 and had the card cancelled. They recommended I report this activity. 
What can I do to prevent this in the future? Can there be a block so there is a holding period prior to approving new credit cards in my name?
Product: Debt collection

I just received a collection from XXXX XXXX XXXX XXXXXXXX XXXX and I was wondering how would I owe XXXX without getting a bill. The billing lady never could see excaltly what I owed for but its interesting that I was refunded that same {$25.00} yet she q look up why. I also have the copay from my bank statement online, and they are paperless she told me yet found no record in my email of any bill. The fact they could not tell me for sure what I owe for is reason I want to dispute. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are my complaints to these companies that pulled my credit report without my knowledge and authorization : 1. XXXX XXXX XXXXXXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 
Tel # XXXX. I called this company and i was told to call the dealership that submitted my information to them, and XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX TX XXXX Tel. # XXXX, said they did not submit inquiries any other dates other than when i purchased a used car from them on XX/XX/XXXX. 

2. SANTANDER/Chrysler Capital - Inquired XX/XX/XXXX P.O. XXXX XXXX XXXX, TX XXXX. Tel # XXXX. This is the same case as XXXX XXXX XXXXXXXX, complaint # 2 they did not want to do anything to assist me and was told that it was submitted by the same dealership mention in # XXXX XXXX XXXX XXXX. 

3. XXXXXXXX XXXX, XXXX - Inquired XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX Tel. # XXXX. I did not apply any credit card with XXXXXXXX XXXX XXXX on this date the credit card i have with XXXXXXXX XXXX  was issued XXXX of XXXX. I called them but they're very rude and not willing to help. 

4. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Tel. # XXXX. They said its Real Estate on behalf of XXXX XXXX. I did not apply for any real estate loan then or now and anytime soon. 

5. XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX ( no tel. number given ) This company I have called several times and have not and is not willing to take down this inquiry. They said that they receive an application through their website and i told them I did not apply for any auto loan with them because if i have to go through a bank i will go to my bank first, I had my XXXX XXXX XXXX at the time and did not My recent auto loan was XX/XX/XXXX. 

6. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX, DE XXXX Tel. # XXXX XXXX. I have a XXXX XXXX XXXX credit card that has {$5000.00} credit limit and is locked, this inquiry is unauthorized. 

7. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. Same company with complaint # 6 who ran my credit again twice on the same month. I already have my XXXX XXXX credit card that has a {$5000.00} limit on it that i don't even use. I had this credit card since XXXX. 

8. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX, DE XXXX Tel. # XXXX XXXX. Just like with my # 6-7 complaint, the same credit card company but with different PO Box number, in a matter of three months they ran my credit again for no reason. 

9. XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Tel. # XXXX. This company did not report that the auto loan has been fully paid in just three months that my husband and i made a purchased of used car, and it's still on my credit. 

10. XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Tel. # XXXX. The same company as complaint # 9, they ran my credit two different times without authorization, and auto loan has been fully paid the same year, just in a matter of three months from purchasing one used vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this notice is being sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. I DEMAND compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of non-compliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages for non-compliance. 

IN ADDITION, THE FAIR CREDIT REPORTING ACT STATES THAT WHILE THIS ITEM IS BEING INVESTIGATED YOU MUST INDICATE TO THE BUREAU THAT THE ACCOUNT IS UNDER DISPUTE AND WILL REMOVE/CEASE FROM REPORTING THIS INFORMATION TO THE CREDIT REPORTING AGENCY UNTIL FULL VALIDATION HAS BEEN COMPLETED.
Product: Credit reporting or other personal consumer reports

Transunion continues to display incorrect personal information on my credit file after being notified that it is incorrect
Product: Vehicle loan or lease

2017 I bought a car from XXXX XXXXbut the car was so expensive, i was telling the dealership to lower the payment for me, they refused, and they came to tow my car.now they still want me to pay for the car Today I would like to dispute the issue with santander.
Product: Checking or savings account

Several years ago, my identity was stolen and used to open up a credit card account with PenFed Credit Union. At the time, I was contacted by PenFed and I told them not to open the account, but they opened it anyway and allowed the fraud perpetrator to transfer a credit debt. PenFed has acknowledged that it was at fault. My problem is that despite numerous efforts to get PenFed to close the account, and assertions from PenFed that the account has been closed, I continue to get statements from PenFed regarding this account that has no money in it and that I never wanted in the first place. Most recently, I received a statement on or about XX/XX/2021.