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

To whom it may concern Please be advised this is my second written request and final warning that I intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitles to under section 616 and section 617 regarding your continued willful and negligent noncompliance. You are the company that that reported the unauthorized credit inquiry ( listed above ) on my credit report violating federal law. You are required under the FCRA to have a copy of the documentary evidence, verify the information on my credit report is and is correct. In the results of your first investigation, you stated in writing that the credit inquiry is verified and reported correctly. I believe you are violating the FCRA because I have not signed any documents authorizing the company in question to review my credit report. Thus, the listed inquires made without my authorization and for no legitimate business purposes. Please also be advised that I contacted the above companies. Since they have no proof of my inquiry authorization, written or verbal I ask that you delete the unauthorized inquiries from my credit report immediately. According to section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S Code 1681b in general. Subject to subjection ( e ), any consumer report agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency ( i ) promptly delete. IMPORTANT : This credit collection is not mine. Please, re-investigate this matter and delete the disputed items as soon as possible before I am forced to take legal action against your company. This law is very clear as to the civil liability and the remedy available to me ( 15 U.S Code 1681 et seq. ) My FTC Report is attached the report number isXXXX I know your company needs some sort of verification to prove my identity. My information is clearly shown below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX if you fail to comply to federal law. I am a litigious consumer and fulling intend on pursing litigation in this matter to enforce my rights under the FCRA!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerned because I just viewed my background and want to know what exactly is DOJ national   XXXX   XXXX  ? I am not in any way a  XXXX    XXXX   nor have I ever been charged or convicted of such. I would like to know why there is a level  XXXX  under this catergory?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX  XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from EXPERIAN... XXXXXXXX XXXX XXXX XXXX XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries XXXX ... .. XXXX XXXX, XXXX XXXX 3 . FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. 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 you responsible for your tenacious rebelliousness.
Product: Credit card

I made a large payment to syncrony bank care credit to pay down the balance on the card which due to issues between their system and my bank they declined the payment multiple times. I finally had to make a direct payment from my bank for the payment to be accepted. Then they closed my account and listed it falsely as declined for insufficient funds. This was then reported to the credit bureau as well which is false and fraudulent. Now they refuse to re-open the account unless I re-apply for their credit card.
Product: Payday loan, title loan, or personal loan

Hello, I have been requesting TD Autofinance to send a copy of my vehicle title to the XXXX XXXX so that I can register my car in XXXX XXXX and they have failed to do so. I have followed the instructions provided by the XXXX, including trying to send the request form by fax and by mail ( multiple times ). I have also spoken with representatives over the past several months to resolve this and TD Autofinance has still not sent the copy of the title to XXXX. I really need to register my car in XXXX and need to have this paperwork done. This has been on-going for several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

4TH REQUEST!! PLEASE ATTACHED FTC REPORT!! PLEASE CLEAR COPY OF MY ADDRESS!! **** EQUIFAX PLEASE DONT SEND ME ANOTHER FAKE LETTER SAYING MY INFORMATION ISNT CLEAR!! BEACUSE EQUIFEX SENT ME A LETTER WITH MY NAME SPELLED WRONG AND SAID THE COULDENT BLOCK INFORMATIOM, WHICH TELLS ME TH HAVE MY ACCOUNT MIXED UP WITH SOME ONE ELSE. PLEASE ATTACHED.

PLEASE BE ADVISED THIS IS MY 4TH REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with you > XXXX XXXX XXXX MICHIGAN. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.
Product: Vehicle loan or lease

Wife and I are XXXX XXXX military and both received orders from Texas to XXXX. We have two vehicles financed through Kia Financed. We requested permission to ship vehicles to XXXX XXXX XXXX for the duration of our assignment  ( 3 years ).  Immediately we ran into issues with customer service giving us bad information. We were told to send approximetly 10 documents to include their Vehicle Transport Checklist with our miltiary orders, insurance, etc ... However, they lost the documents on three occassions, and gave us incorrect fax numbers for submission of three occassions. We were able to get one vehicle shipped through pure luck. However, the other vehicle is in XXXX at a storage facility as we can't legally ship untily they give the approval. I called them again a few days ago and the customer services rep was unable to give me any information on the where the approval letter is or what we need to do for approval. At the end of the day we have one vehicle sitting in XXXX, and we're renting a vehicle in XXXX to get to and from work while serving an assignment in XXXX. Kia is horrible at getting us answers. The office responisble in processing the application has no ability to receive calls form the customer, and more concerning, is the customer service rep we do call at KIA, is unable to cal them or message them as well.
Product: Credit card

Bank of America Account XXXX I am writing to urgently dispute the accuracy of a charge-off reported on my credit report associated with the Bank of America account ending in XXXX. This item has been inaccurately reported as a " charge-off, '' which I firmly believe does not accurately reflect the true status of my credit report. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( a ) " Procedure in case of disputed accuracy '' and 15 U.S.C. 1681a ( x ) ( 1 ), I am exercising my right to challenge this inaccuracy and request its immediate correction or removal from my credit file.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy and validity of several items on my TransUnion credit report, as they contain errors and may not comply with the Fair Credit Reporting Act ( FCRA ). Below are the details of each disputed item and my requests for investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This collection account contains several inaccuracies : Violation of 623 : The balance and other details reported by XXXX XXXX XXXX are incorrect or unverifiable. 
Violation of 611 : The credit reporting agency must conduct a reasonable reinvestigation to verify the validity of this account. If verification can not be provided, it must be removed.

Potential Re-aging ( 605 ( c ) ) : I request confirmation of the correct date of first delinquency to ensure the debt has not been improperly re-aged. 
Outdated Personal Information My report lists a phone number, ( XXXX ) XXXX, which is not mine. I request that this phone number be removed from my credit file as it is inaccurate and unassociated with me. 
Additionally, outdated or incorrect employer details are listed XXXX XXXX XXXX XXXX XXXX  which no longer represent my current employment status. 
The address XXXX does not represent my current address, and I request that this outdated information be corrected and removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are discrepancies in the payment history for this account. For example, the reported payment amounts and delinquency statuses are inconsistent between months in XXXXXXXX XXXX XXXX. I request a full review of this account for accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account was marked as charged off, but TransUnion lists inconsistent payment statuses, with some months showing on-time payments. I request verification of the charge-off and correction if inaccurate. 
Potential Unauthorized Inquiries My report contains multiple hard inquiries that I do not recognize or recall authorizing. For example, inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should be reviewed to confirm permissible purpose under 604.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these accounts are showing late and it's in no fault of my own. Please reverse these late charges on all of these accounts. I have great credit. Also due to CARES ACT, in no way should any of my accounts show any negative remarks. Please reverse them as none of these creditors care. 

100 Claims account deferred, 105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 and XX/XX/2021 I have been scammed by a person that has impersonated a landlord. He showed me the house, he had the application, and the lease. I payed the application fee that was {$100.00}, I filled out the lease agreement that was {$200.00} and I payed the deposit that was {$900.00} pluse occupant fee that was {$100.00} and then I couldn't contact the person anymore. I have the emails of the people where I was told to send the money the be able to receive the keys for the home. I have his the information on how I found the home that is listed. The phone number that was given to me is ( XXXX ) XXXX-XXXX. Please help me
Product: Checking or savings account

I received over XXXX XXXX fees which is causing a financial strain. I transferred funds in my account a little before midnight and still received fees
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/ I mailed my Income Tax Extension with a check for {$14000.00} as my tax payment. On XX/XX/ my bank statement shows that check # 151 for {$14000.00} was payed out of my account, no other information in connection with this payment. 
XX/XX/XXXXI filed my income taxes, after they reviewed my return they sent me a notice dated XX/XX/ of unpaid taxes in the amount of {$14000.00}. I was sure they messed up as I had paid more than that in XXXX. I found my copy of the check I made before I mailed the payment then went to the bank to see the copy of the cashed check. It had been altered with a different payee and cashed by the XX/XX/XXXX CA dated XX/XX/. I asked my local Bank Manager what I should do, he helped me file a request of Chase Bank of " Declaration of Unauthorized Endorsement or Altered Item ''. Chase Bank declined my request. My local Branch Manager called a supervisor asking why it was declined as it is inside the time frame of the statue of limitations. Supervisor said resubmit it, I did they denied me again. TheXX/XX/XXXX took a report told me that the crime took place in XX/XX/XXXXso I tried to file a police report in XXXX, they would not do so telling me that I already filed a report. They have done nothing. XX/XX/XXXX tried to serve a subpoena for records at the XX/XX/XXXX about this person who deposited my stolen check, they did not respond. Without further information theXX/XX/XXXX closed the case. I engaged a Lawyer for guidance who wrote a letter to both banks quoting the legal statutes that they are ignoring pressing for a response or legal action will be taken. No response from either bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Bank of America. They are saying that I have one missed payment from 2018 which is untrue. My account was closed and they shut down my online account and stop sending me bills in the mail after I paid them off. Little that I know that they added a {$1.00} worth of interest and when I found out that it was late I had no way to get into my account because they had shut everything down. I eventually got the {$1.00} paid but now it shows up on my credit report that I have one missed payment from 2018 and it's affecting my report. I do not find it fair that this is on my credit report when there was nothing I could do to pay the interest rate because they closed my account and wouldn't let me in. Not to mention I didn't know I owe {$1.00} because they never sent me anything in the mail saying I did.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX  XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card

On XXXX I was scammed by a phone contact claiming to be XXXX XXXX XXXX, regarding my XXXX XXXX XXXX credit card through Barclay 's bank. I immediately called the Credit Card Customer Service number on the back of my card ( XXXX ) and was directed to another Customer Service phone number ( XXXX ) to report the problem and request a new card and number. I was assured that I would not be liable and that a new card would be sent out and would arrive in 2-3 weeks. When the card did arrive, I tried to activate it online, and was denied access because the *new* account was frozen due to a fraud claim. At that point I started calling Barclay 's trying to get the account unfrozen and to pay my annual membership fee ( {$89.00} ). This quickly turned into a game of " XXXX '' and with my being told that I needed to deal with the Fraud Department . Each Customer Service rep gave me different numbers to call and different hours of operation. This is important because there is a 6-hour time difference between XXXX  and the East Coast of the U.S. At no time was I allowed to pay my outstanding balance. And, at no time was I allowed to speak with anyone who could unfreeze my account. A list of the phone numbers I was given and the departments I talked to is attached. There was no consistency of the information I was given, and all my phone calls have ended up rolling over to a main number. In the mean time, my credit rating has gone from XXXX in XXXX to XXXX in XXXX - all based on the information provided to XXXX XXXXby Barclays XXXX *. Then today I get a notice from Barclays that my credit card limit has been reduced from {$22000.00} to {$500.00} based on a report provided by XXXX, and again based on the information given them *by Barclays . *. I got a similar letter from XXXX XXXX XXXX 

I am at my wits end trying to get this fixed. I have made every good faith effort to pay my bill in full, but due to what seem to be process issues and errors on Barclays I am unable to do so, nor am I able to gain access to my accounts. 

At first I was annoyed, but now I'm very angry. I'm feeling hopeless and helpless and at the mercy of a bank that simply doesn't care.
Product: Credit reporting or other personal consumer reports

There are multiple accounts listed on my credit report that are directly linked to ongoing litigation. Since these accounts are still under legal review, I believe that including them in my credit profile at this stage is premature and is having a detrimental effect on my credit score.
Product: Credit reporting or other personal consumer reports

According to the IRS canceled debt MUST be reported as income when a consumer file taxes according to the publication XXXX ( XXXX  ), canceled debts, foreclosures, repossessions, and abandonments. 

This company is refusing to provide me with a 1099-C to report my income and they are refusing to DELETE the reported account from my consumer report which income is not apart of a consumer report.