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

This is in continuation from the response from Veros Credit of my original complaint at the beginning of XX/XX/XXXX. Once again, the information that theyre responding to is not addressing my complaint, they continuously try to validate information when that is clearly not what XXXX asking nor complaining about. First of all they are indicating is a is a so-called XXXX XXXX XXXX XXXX However, last year Veros Credit responded And said that I purchased a XXXX XXXX XXXX Not to mention that you dont have your information correct because you received your information from XXXX  XXXX XXXX without my permission. 

My complaint once again according to your response on XX/XX/XXXX, that you claim that I went into a retail sales contract with the company by the name of XXXX XXXX XXXX. But somehow, you ( Veros ) received my information In which I had no recollection of nor gave permission to do so and you created an account for me Using my personal information like my Social Security number without my permission. This is literally identity theft. You are directly violating XXXX XXXX code XXXX a, b and XXXX XXXX code XXXX Which protects consumers for companies like yourself that access a consumers information without their written consent or verbal consent. Once again, this is identity theft. 

To make this clear, my complaint is that you have stolen my identity and reported my personal information to the XXXX credit bureaus Written or verbal permission. This is a direct violation of consumer law. So my complaint is have you stolen my identity and given it to another company to report negative information on my personal credit reporting report? This is my issue. I dont need you to validate any information with any payments as that is not my issue with your company or my complaint with your company. I have a right to privacy, and you have violated by giving other companies or persons my personal information without my permission. 

For the last time I strongly advise you to take the correct steps to remove this information from your records and contact any other company, including the credit bureau and XXXX XXXX XXXX and make them aware that this is a violation to XXXX of these companies remove this negative reporting information from my report Immediately. If you avoid our specific complaints this time, we would have to move further with legal action as you continuously and voluntarily refuse to add to consumer law specifically the ones quoted above.
Product: Credit reporting

just a quick note I 'm not talking about them the creditors I 'm talking about you! Send me the information that I asked you for Months ago. seems like you do not have it. the way you been dragging your feet! Please send the documents to me..
Product: Debt collection

Poster in my report XX/XX/year> taken out by fraud I have no knowledge of this account and have supplied bounce AI with sufficient evidence of this. They have concluded their investigation and have agreed to delete this from all three credit bureaus. Please see attached email confirmation. Please delete this misinformation immediatly.
Product: Credit reporting or other personal consumer reports

FRAUD!!!!!! already made complaints with the CFPB and Attorney Generals office On the date of XX/XX/year> car was bought 1. Truth in Lending Act ( TILA ) Purpose : TILA is designed to promote the informed use of consumer credit by requiring disclosures about terms and costs. 
Violations : Failure to provide clear and accurate information about loan terms, including any arbitration clauses, can constitute a violation of TILA. 
Enforcement : The Consumer Financial Protection Bureau ( CFPB ) enforces TILA, and consumers can also seek damages for violations. 

2. Unfair and Deceptive Acts and Practices ( UDAP ) Laws Purpose : These state laws prohibit businesses from engaging in unfair or deceptive acts or practices. 
Violations : Misrepresenting the terms of a loan agreement, hiding critical clauses, or failing to inform consumers of their rights can be considered deceptive practices. 
Enforcement : State Attorneys General and consumer protection agencies typically enforce UDAP laws. Consumers may also be able to bring private lawsuits under these statutes.

3. Federal Trade Commission Act ( FTC Act ) Purpose : The FTC Act prohibits unfair or deceptive acts or practices in commerce.

Violations : Misleading consumers about the terms of a loan agreement or failing to disclose important information like arbitration clauses can be seen as deceptive practices under the FTC Act.

Enforcement : The Federal Trade Commission ( FTC ) enforces this act, and consumers can file complaints with the FTC.

4. Fair Credit Reporting Act ( FCRA ) Purpose : The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 
Violations : If the failure to disclose the arbitration clause leads to incorrect or fraudulent information being reported to consumer reporting agencies, this can be a violation of the FCRA. 
Enforcement : The FTC and CFPB enforce the FCRA, and consumers have the right to dispute inaccurate information and seek damages for violations. 

5. Contract Law Principles Misrepresentation : Under contract law, a contract can be voided if one party misrepresents a material fact that the other party relies on when entering into the contract.

Unconscionability : If a contract or clause is extremely unfair or oppressive to one party, it may be deemed unconscionable and unenforceable.

Failure of Consideration : If a party does not receive the agreed-upon terms or benefits of the contract, they may claim the contract is void due to failure of consideration. 

Legal Actions and Remedies : Damages : Consumers can seek monetary compensation for any actual damages incurred due to the fraud or misrepresentation. 
Rescission : Consumers may be able to rescind ( cancel ) the contract if it was entered into based on fraud or misrepresentation.

Corrective Actions : Regulatory bodies can impose fines, require corrective measures, or take other enforcement actions against the offending companies.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States of executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally. these misstatements are punishable as perjury under 18 I.S.C 1621 This collection found within My credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts All is being investigated by the FTC
Product: Debt collection

I am writing to dispute a collection, MRS BPO LLC for {$81.00} on XXXX I have never heard of this company or spoken to them. 

The company that I did speak to about this debt was back in XXXX XXXX XXXX The company was XXXX XXXX XXXX XXXX said the debt was from XXXX XXXX 

I communicated with XXXX XXXX XXXX XXXX XXXX XXXX asking them to verify the debt and provide proof of any monies owed by way of a statement or unpaid bill. I contacted XXXX twice after the initial discussion as follow up but never received the information requested. 

The next time I saw the debt was today on my credit report under the name of MRS BPO LLC. I have not received any verification or documented proof that this is a debt I am contractually and legally responsible to pay. In fact, I have every reason to believe it is not. 

I am disputing this debt. Further, If XXXX can not provide contractual and legal proof of this debt, I am requesting that this derogatory item be immediately removed from my credit report.
Product: Payday loan, title loan, or personal loan

I have submitted payment coupons to this company and they refused my tender of payment. This is for American First Finance and they have also taken unauthorized payments out of my personal bank account. My personal account was added because it was required to finance the furniture that purchased that day but I did not authorize that payment should be removed from my personal account. The payment was removed from my account in XXXX and XXXX XXXX XXXX and they keep sending e-mails to me and calling me to make a payment even though they took the payment without my knowledge. I have sent them a cease and desist order to not contact me via phone or e-mail, only by letter but they have not respected my wishes. Also, the overall amount was just under {$2000.00} but the recent bill that I received said a little over {$5000.00} was owed to them.
Product: Consumer Loan

Santander Consumer U.S.A. repossessed my car due to non-payment. That is not the issue. They have my home phone number, as well as my cell phone number, to reach me. They have contacted my parents, who were not on the loan and were not listed as references on any of my paperwork for the car loan. They told my mother that my car was repossessed and that they are attempting to reach me to pay off the balance of the loan. They never had my permission to tell my parents about anything concerning my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX and on XX/XX/XXXX TransUnion reported that i had a missed payment from XXXX XXXX XXXX  Which caused me to lose XXXX points. XXXX XXXXXXXX XXXX has sent the proof that i never received any late payment but its still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/XXXX and noticed there were Hard inquiries that don't have permisible purpose to be on there. These Hard inquiries are hurting me in getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under15 USC 1681b. The Hard inquiries that are in question are the following : 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 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

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

Changes were made to my account to were I could not leave link it and have not received a notice of this change, very inconvenient
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 SageStream , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer report agencies need to report all information with complete accuracy. This account has not been late this account was switch to a business account on XXXX this account is reporting a late payment/collection on XXXX Im now requesting you to investigate and provide verifiable proof with records showing that I had late payment. If this information can not be verified I demand these payments to be updated to pay on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 i sent a letter to Equifax asking for any and all documentation that they have verying these accounts are actually mine.also with the i sent a photocopy of my Driver 's License, Social Security Card and address.only for Equifax to reply back saying that they can not find a credit file with the identification information that i sent.these are the accounts listed.and they also asked me to send a copy of my driver 's license and social security card. 

XXXX XXXX {$580.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$450.00}
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX : # XXXX, XXXX  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 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 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 contacted the debt collector that was servicing the acts, I even had to pay even though I had explain my situation about a family member using my personal information. After going back and forth they made settle the account I was told they will remove it from my cred and they still affecting me although it shows the acct is clorases but keeps showing late
Product: Credit reporting or other personal consumer reports

Nothing, the inaccuracy of my identity is still being profiled on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : -, XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I paid this loan back and showed the company proof. They insist that it was paid on XXXX and returned on XX/XX/XXXX. I sent my back statements to show this being untrue. They are still harassing me and now threats to contact employer and friends. I have multiple communications with this company. They continue to harass me and threatening me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Name - XXXX, XXXX, XXXX Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX, CA XXXX Employer - XXXX XXXXXXXX Employer - XXXX
Product: Checking or savings account

I purchased the XXXX XXXX XXXX  XXXX prior to XXXX of XXXX. In which I receive a statement after XX/XX/XXXX. Since then, I have not received any information whatsoever, nor can I access it on the oriental bank application or website. After finding this statement which I totally forgot about I attempted to access the information on the website to no avail. Additionally, I tried contacting the oriental bank customer service to get information on the account. After long waits, they were unable to find any information on the account and suggested I go to the local branch where I purchased the XXXX. On XX/XX/XXXX, after spending numerous hours waiting and being attended by XXXX of the specialists, please stand over XXXX XXXX hours trying to find information on the account in which they were literally unable to access. However, they contacted the financial service and was promised I was going to receive a letter requesting access to my account. This letter was supposedly going to arrive we've been a week, which I never received. A week and a half later I went to the bank to speak with the XXXX which no longer working that branch, and of which I can not get any further information. I again waited for long periods of time and the XXXX advised me they were going to contacting me the following day. And it's it seems familiar I'm still waiting for the call. I was finally able to contact a representative on XX/XX/XXXX, from the XXXX XXXX XXXX and talked with XXXX XXXX ( XXXX ) who send me a e-mail so I could sign and return it for access. I will receive an e-mail with the access information to my account. On XX/XX/XXXX up to now receiving any other contact I contacted the customer service number ( XXXX ) XXXX, to advise them that I have yet received any contact information to access my account. At which time I talked to XXXX XXXX and emphasize me that a representative from that division would contact me. I have yet been able to receive any more information since that period of time and I send the formal letter XXXX this XXXX advising them that if I do you know the business day, I do not receive any further information I will be submitting a claim to the XXXX XXXX XXXX XXXX.
Product: Mortgage

I was excused in making payments because I signed forbearance agreement with TD Bank. 
Please Correct this inaccurate information on my credit report. 
Account name - TD BANK N.A. 
Account type - Mortgage Date opened- XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several accounts on my credit report that contain inaccurate and unverified information. As a result of these errors, my credit score has been significantly impacted, making it difficult for me to obtain financing or credit when needed. 

I have made multiple attempts to address these inaccuracies with the creditors and the credit reporting agencies, but they have failed to correct the errors. Therefore, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to help enforce my legal rights and protect my credit. 

One particular account I want to highlight is the XXXX XXXX account, which was closed in 2017. According to my credit report, it was charged off and has since been sent to a collections agency. However, to the best of my knowledge, this account was never paid late, and I have not received any notice of it being sent to collections. This reporting is completely inaccurate and is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

Another account that I dispute is the XXXX XXXX account. This account has been reported as unpaid, despite my records showing that it was paid in full and closed years ago. This incorrect reporting is damaging my credit, and I demand that you update this account and delete the inaccurate information immediately. 

In addition to these accounts, I dispute several others that I have no recollection of even belonging to me, such as the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts. I demand that you remove these frivolous accounts immediately from my credit report. 

Furthermore, there are several unauthorized inquiries on my credit report, such as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I demand that you remove these inquiries from my credit report as they have reached the statute of limitations and were not authorized by me. 

Finally, I want to share a personal story of how these inaccuracies have affected my life. Due to the inaccurate reporting on my credit report, I have been denied credit and financing opportunities that I needed to take care of my family and business. This has caused me a great deal of emotional and financial stress, and I am at my wit 's end with the constant battle to get these errors corrected. 

Therefore, I demand that you take immediate action to update and delete the inaccurate information on my credit report, specifically for the accounts mentioned above. I am prepared to pursue legal action if necessary to enforce my legal rights and protect my credit. 

Sincerely, XXXX XXXX