23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2022. I purchased a brand-new XXXX  XXXX XXXX from SouthEast Toyota Distributors , LLC. in Florida. In the distributor 's options, there is an add-on called XXXX XXXX at a cost of {$690.00}. I told my salesmen that I didn't want that add-on to remove it. I tried calling numerous times to get it removed or canceled. As of today, they made it unreasonably difficult for me to get out of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXt XXXX XXXX Account XXXX, XXXX  XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax several disputes about inquiries that I didn't recognize and inquiries that was not account holding inquiries. I requested that they investigate the inaccuracies and delete them but they keep writing back saying that inquiries are factual records. I have wrote several companies with the addresses that Equifax provided but have received return mail back from most of them saying unable to forward or vacant.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern. 

I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of  my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX  XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to XXXX on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XXXX/XXXX/XXXX ) & TransUnion on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( TransUnion tracking : XXXX, XXXX tracking : XXXX, XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on 2 XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Accelerated Fin My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting transactions to my credit report without my consent. I have not authorized this in anyway. I have reached out to each company and transactions have yet to be removed. They are in violation of the law. Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023, medical debt collections under {$500.00} can no longer be reported to the credit bureaus. I demand that the listed debt be removed from my credit report. 

Account # XXXX XXXX XXXX XXXX
Product: Debt collection

I sent Affiliated Acceptance Corporation a debt validation letter over 2 weeks ago and I am yet to receive a response from them. They have failed to respond to my request for validation and I have attached my debt validation letter below.
Product: Credit reporting or other personal consumer reports

I have a balance of {$110000.00} for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report as a balance. They were paid them in full on XX/XX/year>.
Product: Credit card or prepaid card

XXXX XXXX : Citibank alerted me via phone to possible fraudulent activity on my card. 

XXXX XXXX : Working with Citibank, I closed my credit card. 

XXXX XXXX : Citibank issued a new card on the account and sent it to an incorrect address, despite my speaking with 2 fraud department specialists and providing the correct mailing address. The representatives both said they were sending it XXXX to the address I requested ( which address is in my account records. ) XXXX XXXX : I notified Citibank via phone that they sent the card to one of my home addresses where I would not be present until a month from this date. 

XXXX XXXX : I was able to have a neighbor retrieve the XXXX envelope and put it inside my home for safe-keeping. 

XXXX XXXX : Citibank arbitrarily locked me out of my account ( I have 3 credit cards with them and a website that I have used for many years to get paperless statements and pay my bills ( which are on autopay, I pay my balances timely every month ) ). 

XXXX XXXX : After much time spent on the phone with Citibank, my web account was unlocked and I could access it. No reason was provided why Citibank had locked me out. My password and user name were/are correct. 

XXXX XXXX : I receive a statement notice ( for XXXX XXXX billing cycle ) on the closed card via an email. There was a very large balance due. 

XXXX XXXX : When I try to access my paperless statement for both the closed card number and under the new card number, the website says I am not permitted to see the statement. 

XXXX XXXX : After numerous phone calls and online chat, the issue is not resolved. I can not see my bill or my transactions. 

XXXX XXXX : I request a paper bill, and Citibank insists on sending it to an address on my account where I am not present. 

Note : I have two physical addresses listed on my account, and have had these two addresses since XXXX. I live physically in two different places during different times of the year. 

Note : I have provided all the security information needed. 

Note : These are mature accounts that are paid in full timely every billing cycle. 

Note : My credit card was not lost or stolen. 

Note : I take strict means to protect my identity and online billing information. 

Note : In my opinion, this problem ( Citibank 's failure to provide me with an accounting of charges during a period of fraudulent activity ) is due to customer service representatives following a script that is not able to respond to specific situations. 

Note : It seems wrong to require payment for services and goods without providing a timely and accurate accounting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN XXXX XXXX XXXX
Product: Vehicle loan or lease

My credit scores on XXXX and XXXX went down 29 points each because it was reported I missed a car payment and my car loan balance went up. I have never missed a payment, I contacted Santander and the rep advised there was no notations of my total going up or late fees due to no payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint to the CFPB in regards to Resurgent Receivables LLC reporting an account on my Credit report that has not been validated. It was stated by XXXX of their Compliance Department, that they will continue to report this negative account on my credit report. I am demanding they cease and desist communication with with through any and all mediums, this includes the credit reporting agencies. This company is continually harassing me by reporting this information to which they have no permissible purpose. I have not consented to contract with this company and they are attempting to force me to. This behavior of preying on consumers needs to stop. I will be filing suit for damages. This company has my personal information and I have a right to privacy that has been violated. Resurgent Receivables LLC along with XXXX XXXX XXXX and both complicit in identity theft, fraud and XXXX.
Product: Credit card or prepaid card

Unauthorized payments and cash transfers were executed from XXXX XXXX on my accounts with credit unions on XX/XX/XXXX for {$30.00}, {$50.00}, {$20.00} and on XX/XX/XXXXfor {$30.00}, {$30.00}, {$2000.00} and {$2900.00}. I did not make these transfers and had to close my credit union accounts to avoid payment of some of the unauthorized payments. My credit union indicated that the payments withdrawn on XX/XX/XXXX could not be reverse. I need Paypal and XXXX XXXX to reverse them. I spent most of the day on phone calls with Paypal and XXXX XXXX  and could not get help with these unauthorized transfers. My credit union help to close my accounts as a loss prevention matter to the large payments from posting to them,
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over 15 inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with XXXX was compromised and was showing up with me as being XXXX. Equifax had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX XXXX denied me for an open credit plan even though their indenture agreement states that when an applicant applies for credit they shall be granted as long as they exercised their rights with good faith and clean hands. Also I have attached the letters and laws that are being violated in this matter. Also I'm in arbitration with Experian credit agency, so im not sure how that company can report something that isn't my account. I explained that XXXX XXXX, and the issue still have not been corrected. 

Dear Underwriting team, Today I, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by XXXX XXXX XXXX XXXX  on XX/XX/2023. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your XXXX XXXX XXXX agreement where it states that my note is an open-ended credit line and access should be granted. I have also attached your XXXX form that explains in detail about notes and securitization transactions from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ask that you please open my line of credit. 

As you may be aware, it is against federal law in accordance with the Equal opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code Sec 1691 ( C ) you assume civil liability pursuant to 15 U.S Code Sec 1691 ( k ). 
XXXX XXXX and XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights : 1. 15 U.S Code Sec 1642 2. 15 U.S Code Sec 1681M 3. 12 CFR 1002 Since this letter was sent to me dated 12/15/2023 is both proof and evidence that I have been discriminated against, and youre criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. 


If there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. You have XXXX business days from the delivery of this letter to resolve this matter. 

Thanks, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit card

Date of Incident : XX/XX/ 2023 Company Involved : Credence Resource Management Account Number : XXXX Balance in Dispute : {$530.00} I am filing this complaint regarding an issue with my account balance and its reporting on my credit file by Credence Resource Management. As of XX/XX/ 2023, my account reflects a balance of {$530.00}, which I believe contains errors and does not accurately reflect my account activity.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX and XXXX XXXX. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Debt collection

I was insured through XXXX XXXX for over 8 years, all of which i enrolled in auto draft payments from my bank account. When i purchased a new vehicle, i was told that were not offering full coverage anymore and i got a policy with XXXX. I requested in writing via email to cancel the policy as i no longer had the vehicle and in fact had new coverage elsewhere as of XXXX XXXX, 2016. I then called and had the automatic payments cancelled as i was not going to pay for the services that i no longer needed. I was told i would get a full refund for the previous month since i had financial responsibility elsewhere. I forwarded a copy of my current insurance and was told over the phone i would receive XXXX back via check ( my monthly premium ) I have since received a collection notice for XXXX and have called the collection agency as well as XXXX XXXX and was told that it would get corrected. That was over 30 days ago, and the collection is now reflecting on my credit report. I am not responsible for XXXX and in fact i am OWED XXXX Please help me to resolve this as i am not having success via email and phone calls to XXXX and want my credit report cleared and my refund. 

Thanks
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I am requesting the CFPB review this dispute regarding the credit reporting agency XXXX, Equifax, XXXX and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. 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. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.
Product: Debt collection

rude, male demands I bring my account up to date. states I moved and have a previous account. told the XXXX i did not have a previous account in XX/XX/XXXX and i have the same account I did -and it was opened and activated this year only XX/XX/XXXX. he decided he was going to talk over me and harass me. told him to XXXXXXXX XXXX and hung up and blocked his numbers. XXXX and XXXX i have contacted XXXX XXXX who stated my account is in good standing and no new account was created. my account is paid and up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts appearing on my Transunion and XXXX  credit reports. The accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.These 3 charged off accounts and 2 collection accounts are fraud as I was a victim of ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company below posted this collections account to my credit report. The company has never contacted me to dispute. I have a right to receive the debt and be given 30 days to dispute. I was not given a chance to dispute. This dept is not mines also. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}