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

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX is reporting inaccurate information on my XXXX and TransUnion report. XXXX is reporting payment history for only XXXX months and the rest is unavailable history. TransUnion is reporting no history at all. They also are reporting to different names on my credit report. XXXX is showing XXXX XXXX XXXX and TransUnion is just reporting as XXXX. That extends the statute of limitations and it's a misrepresentation of my credit reports worthiness. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. 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. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and associates says I owe {$1300.00} dollars to them but I do not owe them anything. They have been sending me letters an I dont know why. They say the account was opened on XXXX XXXX but I defer.
Product: Credit card or prepaid card

Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX Subject : Inoperative Alarm w/ over 20 messages from ( XXXX ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You Are Dissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms.  XXXX XXXX XXXX ( XXXX ). My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. On XX/XX/XXXX the front door had set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX to XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate removal of the following information that has resulted from identity theft : Account : XXXX XXXX XXXX XXXX Account Number : XXXX Relevant Provisions of FCRA 605B Under the FCRA, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft. Specifically : 1. Timely Action Required : According to FCRA 605B ( a ), Experian must block the disputed information no later than four business days after receiving the following : Proof of my identity.

A copy of my identity theft report.

Identification of the fraudulent information. 

A statement from me asserting that the information is not the result of any transaction I authorized. 



XXXX. Notification Obligation : As required by FCRA 605B ( b ), Experian must promptly notify the furnishers of the information about the identity theft claim, the requested block, and the effective dates of the block. 


XXXX. Limits on Declining or Rescinding the Block : Experian may only decline or rescind a block under very specific circumstances, as outlined in FCRA 605B ( c ). Any decision to decline or rescind a block must be accompanied by prompt notification to me, including an explanation as required by FCRA 1681i ( a ) ( 5 ) ( B ).

Action Requested I demand the following actions : XXXX. Immediate removal of the fraudulent account identified above. 


XXXX. Notification to all furnishers of the fraudulent nature of the account. 


XXXX. Written confirmation within 30 days that the disputed information has been removed or blocked, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 



Next Steps Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory agencies. Additionally, I reserve the right to seek legal counsel to pursue remedies under federal law, including damages for violations of the FCRA and any other applicable statutes. 

Thank you for your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -US DEPT ED 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To : Consumer Finance Fr : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX Re : Complaint : CO : Corporate Headquarters. LoanCare LLC, XXXX XXXX XXXX. XXXX  XXXX, VA XXXX ( XXXX ) XXXX In XX/XX/XXXX I was billed twice for my XX/XX/XXXX mortgage payment. Spoke to numerous customer service repressive since XX/XX/XXXX whom all promised to resolve the matter. Request were made and submission of prove payment submitted, via canceled checks for last several month attached, still no action has been made to rectify this matter. After several months working with multiple representatives in XX/XX/XXXX the LoanCare reported my name to major credit bureaus for late payment destroying my credit report. Since transfer of mortgage I have been attempting to rectify the amount my monthly payment from {$1700.00} to approximately {$1400.00}, according to the stipulation mortgage prior to the transfer of my mortgage which should be monthly my payment.
Product: Checking or savings account

ALL BANKS DENYS ME SAID HAD BANK BEFORE AND I DIDN'T HAVE THOSES BANKS
Product: Checking or savings account

On XX/XX/XXXX my checking account got charged 30 dollars than another charge on XX/XX/XXXX for XXXX dollars and XXXX dollars total amount taken out from my checking account was XXXX dollars. I got denied a claim for unauthorized charges from chase I had to provide different documents to proof I was scammed I send more documents with chase because they denied the claim and then I called XXXX XXXX I had to make several calls to talk with the merchant as the fist time they told me to call back in a few days I tried to explained to the supervisor from XXXX XXXX of the issue he was very rude then again I called once more told them I never received the 30 dollar service and the minutes are still there to check it's not until I tell them the minutes are still there they tell me I use the service and that they can only refund 30.00 dollars I felt scammed by XXXX XXXX I was unaware of the rates of the service they charged me because it was a different service the agent from XXXX XXXX  who charged me XXXX dollars did not tell me I will get my 5 free minutes first or the rates of the person she chose for me without asking me I also called chase on week XX/XX/XXXX to get my debt card cancelled they told me they can't do that because I'm a new client and to go to the branch so I no longer feel secure or protected by chase as a customer.
Product: Debt collection

I'm a victim of identity theft for to many years and I have to many collections in my credit report that doesn't belong to me. I'm only live in Pennsylvania and there's accounts from others states that appears in my credit report and differents address that I didn't even know. Can somebody PLEASE HELP ME?? This is ruin my credit and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting information to the credit bureau that is not mine Ive looked up the company they are not contracted in California they have no contact number and the address is a non existing empty land mark
Product: Debt collection

Equifax failed to respond to my dispute letter dated XX/XX/year> ( Dispute ID : XXXX ), within the legally required 30-day period mandated under the Fair Credit Reporting Act ( FCRA ). I requested verification of several inaccuracies, including late payments, unauthorized hard inquiries, incorrect charge-off statuses, and unvalidated debts. My follow-up letter dated XX/XX/year>, emphasized Equifax 's legal obligations under FCRA Sections 607 ( b ), 609 ( a ), and 611 ( a ). Despite this, Equifax only responded through the CFPB portal on XX/XX/year>, far beyond the mandated timeframe. Equifax 's failure to meet its obligations and reliance on delayed, incomplete communication constitutes a clear FCRA violation. I seek immediate deletion of all unverifiable accounts and items.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : ( ASSOCIATED XXXX OF TX XXXX. XXXX, XXXX ) ( SUN XXXX XXXX XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ) 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Vehicle loan or lease

**Statement of Potential Consumer Law Violations** After reviewing the auto loan contract provided by Foursight Capital I believe there are several provisions that may violate state and federal consumer protection laws, as outlined below : 1. **Excessive Finance Charges** : The finance charge in the contract appears to be disproportionately high compared to the value of the vehicle. Under the Truth in Lending Act ( TILA ), lenders are required to clearly disclose all costs associated with financing. If these charges are not properly justified or disclosed, this could constitute a violation of TILA.

2. **Unclear Arbitration Clause** : The arbitration provision in the contract may limit my ability to pursue legal recourse through the courts, which raises concerns about unconscionability. Arbitration clauses must be fair and transparent, and this provision seems to favor the lender disproportionately, limiting my rights as a consumer.

3. **Potential Late Fee Violations** : If late fees in this contract exceed the legal limit of 5 % of the overdue payment allowed under Georgia law , it may constitute a violation of state usury or consumer protection laws. The contract should clearly disclose any penalties and ensure they are reasonable and lawful.

4. **Prepayment Penalties** : The inclusion of a penalty for paying off the loan early, if present, would be in violation of Georgia law , which generally prohibits such penalties on consumer loans.

5. **Overvaluation of the Vehicle** : The loan amount appears to be significantly higher than the actual market value of the vehicle. This could be a case of misrepresentation or predatory lending practices, especially if negative equity from a previous loan was rolled into the current contract without proper disclosure.

6. **Unclear and Confusing Terms** : Several sections of the contract contain language that is vague and difficult to understand, particularly in regard to the finance charge and arbitration terms. Contracts must use clear and understandable language to ensure the consumer is fully aware of their obligations and rights.

Based on the above issues, I believe this contract may not comply with applicable consumer protection laws and warrants further investigation. I am prepared to pursue all available remedies to address these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX  on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX because they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX  XXXX has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XX/XX/XXXXhas failed to want to take this off of my report and says it should appear as two accounts and says that it's XX/XX/XXXX's fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter
Product: Debt collection

So there is a item on my report that I disputed numerous times over the past XXXX or more years. Each time they came back and statd that the debt is valid. However it is not mine. SO when I did some reasearch they stated that it was a employee debt from the postal service or something. However I am a nurse and have never worked at the post office. After XXXX years I figured it would be just better to let it fall off in time as disputing and sending certified letter did nothing. No one ever sent anything to me despite multiple letters sent to them certified requesting this information. But however this year i relaized that this derogatory item was going to prevent me from buying a home so perhaps if I asked them to settle the debt it would be over finally and it was worth a small amount of money to me personally to see it finally gone. So I contacted complete credit solutions directly not via the credit bureaus. I came to an agreement to settle the account the first offer letter they sent me proved that this was not my account as it had an address for me in XXXX. which to me was proof that it was not my account. I have never even driven through michigan much less lived at this address. They told me that that was the address they were given from the original creditor. WHo I also attempted to dispute the debt with. 
I have copies of all of this communication ( for the record ) SO I paid the XXXX. THey said it would slot my account for deletiong and to check my credit in XXXX month. I did that and all they did was deduct the XXXX from the amount due and it was not paid at all!!! much less deleted. 
THen to make it worse I had to fight through their phone email and being transferred to XXXX people over XXXX hours to find the person that made the offer to me and he remembered our conversation and said that it was thier mistake and he would escalate it to be deleted. This still also has not occurred. I find it infuriating that I paid money on an account that want even mine in the first place but then to have them not do as they promised made it worse. I have copies of all the communication as I had a similar instance of another company that said they would delete it in a settlement and also just now lists it as paid settlement not deleted as promised this is why I asked for it in writing this time. Please help me get this removed as I am trying to close on a home and it is a bi problem to my account score
Product: Checking or savings account

To whom it may concern, My name is XXXX XXXX XXXX. I've tried to resolve this issue a numerous amount of times. In XX/XX/2018, I open a new checking account with Bank of America. My information was stolen at some point ever. I never used the account, never had direct deposits or checks. A month later a fraudulent transaction was done and the account was closed shortly after. It states that it was a deposit of {$1500.00} on XX/XX/2018 and then the account was closed, I tried to resolve the issue after gaining knowledge of the fraudulent activity and was told my a Bank of America representative that " it was too late to report it '' and that it would be reported on my consumer report for the next couple of years. This has negatively impacted my consumer report and has hindered me from opening up a bank account which is essential to an adult 's life. I just recently tried to open an account and was told that this was reported to XXXX XXXX XXXX so now I am trying to take the proper steps to clear up the issue. If they can check IP addresses, cameras or whatever to prove my innocence. I am a XXXX XXXX and would never commit checking fraud. Please contact me with any resolution, questions, or concerns. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX credit cards reporting on my account that I never applied for and thus must have been opened fraudulently. 

It is said to have been opened on XX/XX/2014 with a balance of {$3500.00}
Product: Credit card or prepaid card

I have noticed a late fee on my Capital One credit card account and I have contacted Capital One to waive the fee due to Covid-19 and being unemployed. I called on XX/XX/2021 for a late fee applied on the payment due of XX/XX/XXXX, XXXX have spoken to several Customer Services including the Supervisor and they were very unhelpful.. I am currently unemployed due to Covid-19 and the benefits have been delayed therefore, I was not able to pay on time the credit card. 
All the Customer Services including their Supervisors are ignoring the pandemic situation which created difficult times especially for the unemployed people. I felt like it's my fault that I am unemployed ... There're no sympathy on their side ... It is totally a poor customer service..
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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.