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

I have recently contacted company to get late payments removed from this account. The account is an Ex-boyfriends and due to his pride he did not reach out to me for help when I wouldve been more than happy to help. Credit Acceptance did not reach out either when all my contact information was provided. I reached out to Credit Acceptance on more than one occasion to get a paper mailed to me to ask them to remove it and was never sent that letter. The lady also stated that it should be removed because of the lack of communication on their side.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the same time I was receiving numerous strange credit confirmation emails and phone calls, XXXX notified me that my credit score, obtained from Equifax, suddenly dropped from XXXX to XXXX on XXXX XXXX. I immediately went to XXXX to get a free copy of my Equifax credit report, but the several questions it asked online to verify my identity often didn't apply or applied to periods so far back I could not recall answers with certainty. It asked for a mobile phone number and tried to send me a text. Problem : I don't text and the only phone I use is a lined telephone, which is the phone number I entered! I became especially concerned because XXXX Equifax online questions inquired about an auto lease. I NEVER had an auto lease in my life! I called Equifax and went through a long automated system before I finally got to an agent who started to ask me personal questions to verify my identity -- only to turn me over to another automated system that had me evaluate the agent. 

Thus, my problem was never resolved and I fear somebody might have stolen my identity!!!!!!!!!!!!!!!! 

If my identity hasn't been stolen, the only credit changes I made in the last year are XXXX ) I forgot I had an alert on my credit file due to prior breaches and tried to open a XXXXXXXX XXXX credit card in XXXX to take advantage of a discount on a single item -- only to receive an adverse action letter due to my credit alert. I still received the discount. XXXX ) My husband and I stopped using our XXXX credit card when it changed banks. XXXX ) I opened a XXXX credit card account -- for the sole purpose of taking advantage of a 30 % or so discount on a single purchase around XXXX. I never even activated that account! 

Certainly those changes don't seem to merit a near XXXX drop in a credit score!!!!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 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/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I have become XXXX and I needed them to change my due date from the XXXX of the month to the XXXX of the month to keep from reoccurring late fees every month because I'm on a fixed income.
Product: Vehicle loan or lease

I requested an auto-loan directly to Bank Of America XXXX BOA gave me a code to go to XXXX  and get the car. I went and got the car with the approval code. After I got the car i received an email from BOA stating the loan is denied, at the same time the car was defective, so I returned the car to XXXX within the allowed period to return a vehicle which is 30 days. XXXX accepted the car back and we signed a return agreement to be a flat cancel. At this point, I believe BOA have not sent the money to XXXX since they told me by email I was denied. Later when I tried to buy another car, this loan that was denied shows in my credit report as if they approved it, XXXX never sent the money back to them until I realized it is on my credit report and called XXXX and BOA to get this resolved, It should have been a Flat cancel on date XX/XX/. Purchase date was XX/XX/. On date XX/XX/XXXX  I received the email from BOA stating Loan Denied. I had no idea the loan was open until I saw my credit report. 
After I complaint with XXXX and Bank of America it took more than one month for BOA to receive the money from XXXX and close the account. 
Auto-loan account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later i have not received a response stating the status of my investigation. I feel like i am being taking advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 40days therefore they should be deleted promptly. I demand these accounts to be deleted immediately or i will file for litigation due to the stress you caused me. In addition, my information was also impacted by the equifax data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX5 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity Theft, exposed in the Equifax Databreach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information in a consumer 's credit report that is a result of identity theft once the appropriate documentation is provided. Additionally, I am aware of the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, which addresses violations of consumer protection laws, further underscoring the need for strict adherence to FCRA provisions in safeguarding consumer rights.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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.
Product: Vehicle loan or lease

I paid {$1000.00} extra on my down payment to lower my monthly, and there were no changes made. 
The service station does not handle recalls from the manufacturer and the manufacturer is far more shady than they are. 
When I call to get resolutions I am talked into circles and nothing is ever completed.
Product: Credit card or prepaid card

I have had a credit card XXXX with Citi ( originally AT & T ) for many years. I always pay with automatic payments. Recenltly I changed banks for payment services. I entered the new bank name, routing number, and account number into the Citi site on a timely basis. However, I received a penalty of {$28.00} for, supposedly not paying the card. I checked the website again, and everything was in order. There was no indication Citi had the wrong bank information. Nevertheless there was a penalty. I contacted Customer Service. After extended discussion, I was told it was a " computer glitch '' on their end and they corrected it and appologized. I was assured the {$28.00} penalty would be removed. 

XXXX : It just seems to be technical glitch, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : yes it does XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : We have taken care of this for you. 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : So I am current now? 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Yes XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : No penalties or changes in my interest rate? 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Not at all However, the {$28.00} fee was not removed. I contacted City again, and City was simply not responsive at all. No one responded to my questions. I gave up and tabled the matter for a few weeks. 

Today ( XX/XX/2019 ) I received an email claiming my latest payment was not made. I contacted Customer service and messaged " XXXX '', and she said my automatic payment was cancelled. No explanation. I am certain I did not cancel it. On the contrary, as explained above, last month I spent inordinate time making sure the auto-pay was working. Citi is behaving irresponsibly with my account. XXXX offered no help with the problem and refused to transfer me to a supervisor. I gave up, called XXXX and spoke to XXXX XXXX, who offered no explanation. However, XXXX XXXX acknowledged that I had set up automatic payment, but It was later cancelled by the bank with no reason given. XXXX XXXX assured me that the payment would now be processed, that auto-pay is reinstated, and there is no penalty. Naturally I am skeptical.
Product: Debt collection

I got a debt medical collection on my credit report now from XXXX had a car accident in XXXX  and we never recieved bill of this amount. My lawyer paid every single bill I had. I did not recieved any bill of this amont ever and I called the collection to send me detailed bill, they never sent me. My lawyer paid of around {$37.00} other medical bills.
Product: Checking or savings account

Chase bank did not put properly stop payment and I was charged wrongfully
Product: Credit reporting or other personal consumer reports

XXXX This company Fcator Trust-Consumer Inquiries has violated the FDCPA by providing information to an untold number of people or companies without my permission. They also have violated the Privacy Act by being allowed to use my personal information and research my private information while not being an official form of government to which has the right to use or research my information, without my permission. They were recently asked to provide personal information on myself and my history to another company by the name of XXXX XXXX XXXX XXXX XXXX XXXX I have at no time authorized anyone at Factor Trust to investigate me, my personal information or even use my information for any reason. They are not authorized by law to use anyone 's personal information for any reason.
Product: Mortgage

Transfer2 XXXX Although the CFPB solicits comments from the public, beware of retaliation if you submit a comment about a questionable action of the Union Bank.They will retaliate by refusing to credit one of your payments, hide the money or chop it up into several pieces. And hide the pieces in unauthorized accounts, that they have opened in your own name. And follow up with harassing calls threatening your account for fictitious charges.If you ask them to verify, explain and document the charge they can not do so, it is simply a ploy to intimidate you for stepping out of line. They simply repeat the allegations while removing any record of payments. While the Union Bank interferes with the work of the CFPB, which can not function without the cooperation of the public it will do nothing to protect your First Amendment rights or its own mandate. The Bank, a  foreign entity, will harass and penalize Americans who respond to the CFPB in the exercise of their First Amendment Rights by merely describing an negative experience seeking help, as it is mandated to do by Congress. The Bank will interfere with the functioning of the CFPB until it is no longer able to respond or assist. In fact, it may cost you money to respond to the CFPB as the Union Bank will levy ; fines against your account while the CFPB is left helpless.
Product: Credit reporting

I obtained a single-use security freeze lift PIN from Experian and provided it to XXXX during a credit limit increase process. XXXX told me the PIN would not work for them to obtain access to my credit report. I then paid {$10.00} to temporarily lift the security freeze from my credit report. XXXX says they still can not view my credit report. The freeze is in place as a result of the Federal OPM data breach. How do I obtain credit if Experian will not honor what is published on their web site?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a credit repair agency. I am writing this today insisting that the following unauthorized information on my credit file is deleted. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. There are fraudulent accounts and derogatory remarks being reported on my file that need to be removed. I would appreciate it if the items I have listed below are removed as soon as possible. This fraudulent activity is hindering my family and I to live a decent life. 




THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( XXXX XXXX FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 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 items 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: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my credit report that is being reported inaccurately. XXXX XXXX XXXX is being reported by all three bureaus inaccurately. Its being reported as charged off and paid monthly at the same time and a few other things. I have attached a copy of my report. This information is inaccurate and its really hindering me. Due to the false information being reported I want this collection removed from all three reports immediately. I also want all three bureaus to provide me with full details and signed documents with my signature on them. If this information is not provided I demand that all three bureaus remove this collection from my report. I have tried to resolve this matter plenty of times and the next step is to proceed with litigation due to the hardship that this matter has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : 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

I initiated a dispute on XX/XX/2021, regarding incorrect items listed on my credit report. It has been in excess of 30 days and I still have not received any response regarding that dispute.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

XXXX XXXX XXXX transfer my home Loan to other entity that is part of the same XXXX XXXX XXXX too. And, the name OF THE NEW COMPANY MANAGEMENT MY HOME LOAN is S.P.S : Select Portfolio Servicing , INC . 

I paid in advance the home insurance of XXXX : I did the payment in XXXX XX/XX/XXXX : {$1200.00} to cover XXXX full home insurance year. I wait for the insurance refund and finally with the last four monthly loan payments, I wrote to S.P.S REQUESTING FOR MY REFUND OF $ XXXX, AND STILL WITHOUT RECEIVED MY REFUND. 

I send the refund requested via certified mails : XX/XX/XXXX : Certified mail # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX In addition in the tax information they report the payment of that amount, also the insurance company of the home : XXXX XXXX XXXX send me and sent it to S.P.S THE RECEIVED WHEN I did the payment. 

I have been waiting more than a year, and S.P.S STILL WITHOUT SEND ME THE REFUND.
Product: Credit card

Three credit cards ( Capital One, XXXX XXXX XXXX XXXXXXXX XXXX ) were opened under my name without my authorization or consent. I have disputed these charges with each of the companies and the credit bureaus. I am a XXXX widowed woman on a limited income. I can not afford to accrue credit card debt, nor do I have access to how to apply for a credit card ( My son is helping me type this dispute ). I do not own a computer nor can I navigate through a smartphone to apply for credit on my own. I did not open these accounts and I will dispute them with all three credit bureaus every month if I have to. I have a lot of health problems and all of this makes my conditions worse. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, My name is XXXX XXXX XXXX, I was checking my credit report and I realize there is an error with my address, please update my correct information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX