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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX / ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX  / ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX / ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Dispute Regarding Inaccurate Information on Consumer Reports Dear Sir/Madam, I am writing to dispute certain information contained in my consumer reports, as furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian. I believe that the information on my reports is inaccurate and is negatively impacting my creditworthiness. This letter serves as a formal notice of dispute and a request for investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I have enclosed copies of my consumer reports from each of the aforementioned credit reporting agencies for your reference. The inaccuracies I wish to dispute are attached addressing each CRA I hereby request that XXXX, XXXX, and Experian conduct a thorough investigation into the disputed information. As per the FCRA, I expect a reasonable investigation to be carried out, with a response provided to me within 30 days of receipt of this letter. I kindly request that all three credit reporting agencies work together to ensure the accuracy of my consumer reports. 
Additionally, I request that XXXX, XXXX, and Experian provide me with written notifications of the investigation results and any corrections made to my consumer reports. If any changes are made, I further request that updated and accurate consumer reports be furnished to me without delay. 
In accordance with my rights under the FCRA, I also request that XXXX, XXXX, and Experian provide me with free copies of my consumer reports within 15 days of the completion of the investigation, if changes are made. 
Furthermore, I request that all three credit reporting agencies implement reasonable procedures to prevent the re-reporting of the disputed information in the future. 
Please note that this dispute pertains solely to the inaccurate information described above. I am not disputing any other information contained in my consumer reports at this time. 
I appreciate your attention to this matter and your adherence to the provisions of the FCRA. Please provide me with written confirmation of receipt of this notice within 10 days of receipt. I trust that XXXX, XXXX, and Experian will handle this dispute and investigation with the utmost professionalism and resolve it in a timely manner. 
Thank you for your prompt assistance in resolving this dispute. 
Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information was presented to my credit account. XXXX XXXX XXXX And XXXX both filed a dispute to the servicing party known as Mr. Cooper, Who has put the wrong information on my account damaging my credit score.
Product: Credit reporting or other personal consumer reports

1099 REQUESTED WITH NO RESPONSE. BILL CAN NOT BE PAID. MEDICALLY UNABLE. 

ACCOUNT NUMBERS DONT EVEN MATCH AND INFO IS INCORRECT. 
\ 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, have been a victim of identity due to the Louisiana Global DMV DATA BREECH ; all of my information, such as my social, phone number, and date of birth, has been exposed, and more. As a result, I have been a victim of identity theft, and after reviewing my most recent credit report, there are two inquiries on my report that I have no knowledge of, nor do I have an account with these companies. These two inquiries I have listed below are a result of identity theft. 

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

I have informed TransUnion of the inaccurate info being reported on my Credit. I have sent out dispute letters. I have the right for my Credit Report to reflect the facts. I have never given my permission to anyone to XXXX these accounts. 

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

Dear Credit Bureau, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

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

Please note that I am the author of this complaint and all attachments.

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit reporting or other personal consumer reports

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before I see litigation for defamation of character. ) XXXX XXXX XXXX balance {$5800.00}. ( please remove these inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loans are now with Navient. They will not offer me any different repayment options other than the standard repayment. I also do not have any options for deferment or refinancing.
Product: Payday loan, title loan, or personal loan

I got a loan for {$500.00} in late XXXX with http : XXXX The owner only let me spend {$250.00} and told me that I would still have to pay the full amount. 
After returning merchandise after being told I was told I couldnt end lease because he would have to send merchandise back that hes already sold. 
Im expected to pay {$500.00} plus another {$500.00} if I dont pay by the end of XXXX. I never even received {$500.00} and after telling the company I was told to sue the owner instead of them handling the issue. 
The owner texted me saying I need to stop calling because hes not canceling my lease. My credit has been hit twice, Acima is saying theyve never had this problem so Im assuming theyre taking it lightly that not only my credit is being ruined but Im also being scammed! I have an overdue balance on merchandise I NEVER RECEIVED BACK & the merchant never even gave me a receipt. I was told I dont need it to cancel the lease or do a return both sites are a scam
Product: Debt collection

I disputed this before with no results. This is in regards to the collector trying to collect for old carpet, and other things with no proof. We left the XXXX after XXXX  months DUE to unsafe living conditions, such as XXXX XXXX XXXX XXXX 

This was XX/XX/XXXX, we left XX/XX/XXXX, we were not evicted! He called calls and sent letters, and now he keeps charging interest seems like every XXXX weeks. He has provided no proof of damages, or anything I asked for. I have letters that I sent to the landlord about the living conditions. 
There is nothing in the lease that says interest. 
you can XXXX XXXX XXXX XXXX/ XXXX, LA and see all the reviews. Charging over XXXX dollars in interest I also had a XXXX in the pool at the apt due to lack of sleep and stress and was sent to the hospital unresponsive. have medical report
Product: Checking or savings account

Approximately on or near the XX/XX/XXXXXXXX after attempting to retrieve funds from my saving 's which is transfered from my Direct Deposit Checking Acct. by a payee each week to my saving 's acct. for which I am Dependant upon to receive monies for my personal needs I found My account had been Shut Down without Informing Me of such Changes which caused me to not be able to put gas in my Vehicle and it was after bank hours @ an ATM and I'm XXXX and I am unable to walk but for short distance 's at any given time and by me not being properly Informed of the closure that led to my pain & suffering by walking and making my way to a phone to get assistance it cause me a Major in crease in my other health issues as the weather was quite severely cold ended in my going to a hospital later that evening and 2 other visit 's as a result when my car ran out of Gas and for reason 's I later was informed had to do with a joke I had made while making arrangement 's for a direct payment for a credit card drawn from another bank they seemed unable to make arrangements to assist me with that should not have been a problem.. Also you may note I had a US Bank XXXX XXXX card with them and I had unauthorized charge 's made to it and had to replace the Card and when I needed to use it, I went to activate my new card I was informed much to my surprise as the service rep. said I had closed my XXXX Acct also. and I had not and again was Dependant on it's use of funds.. That were once Again not available to me by the said act 's of bank employee 's as a form of Harassment to Further the Harm to myself by their malicious action 's and personal Attach on me done willfully and with Full Intent quite Knownly for me now to tell the Joke and why I had said it ( I handed a unused XXXX to the teller and said " Have a Nice Day XXXX Someone.. Like you are doing to me! '' and as they took it from my hand I said " It's a Prop but if you'd like I Can fill that for you while I'm at it.. then at least we both could be Happy '' and Smiled and walk out of the bank with my Friend XXXX who heard and witnessed all the event 's I have mentioned and came out of pocket for the last Meal I was purchasing with my unactivated XX/XX/XXXX that I was denied to Validate on XX/XX/2018 with an available Balance of over {$750.00} I had to leave my New Cell Phone to cover the remaining {$10.00} owed needless to say I'm a XX/XX/XXXXand a Public Figure and it was quite embarrassing and the stress it caused was putting my life at Risk for how upsetting it was too me.. Very Uncalled for and I will be bringing Civil Charge 's also in this Matter if Criminal Charge 's are Not Filed here or Resolved to my Satisfaction.. for their misuse of Power
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an inquiry on my credit report from Citi Bank/XXXX  that I did not authorize. I have reached out to Citi/Bank XXXX  several times to resolve the issue and get the inquiry removed but they will not respond.
Product: Debt collection

On XX/XX/2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XX/XX/2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO! 

I received a letter from XXXX stating this account was bought by XXXX, whom I have never heard of or received any correspondence from. I will definitely be forwarding this complaint to the Georgia Attorney General as this seems fraudulent and scandalous.
Product: Checking or savings account

CITIBANK occupied my money unreasonable almost 1 year, and not plan back to me. 
Request : Return back all my money ASAP, Already occupied almost 1 year, and contribute me lost a lot. Stop Discrimination against XXXX XXXX XXXX XXXX XXXX Was told will return in 60 days, but a long time still not return, after many time try they told will not return. 
I have a citibank account, citi closed last year, and told will return my money back after 60 days, but not return to me a long time, we we called customer support and visited the branch office many times, even branch confirmed the money belong to me, but they still refuse return to me, just because I am XXXX XXXX XXXX XXXX XXXX 
have over $ XXXX from my another bank to citibank, citi refuse back to us. 
have over $ XXXX XXXX XXXX XXXX citibank refuse back to me, I run a XXXX XXXX, and have state license and city registered since 2018, has all government required documents. In USA most 1099 TAX form worker and schedule c sole proprietorship business under personal name do business use person name, why a XXXX  women been discrimination against and can't. why occupied all my money. 
I visited branch, the teller try help us call customer a few time, each time over 40 mins, still can't resolve this problem, I call customer support by myself, they only answer account closed and nothing and refuse find a translator.
Product: Credit card or prepaid card

I was reviewing my credit card statements for the year closely and noticed that I have been charged interest 6 times in XXXX when my balance was not paid in full only twice. When I called Capital One to discuss this with them, they told me that it takes two full months of the balance being paid in full before they stop charging interest. 

She explained it to me like this : If in XXXX, I owe {$500.00} and pay off {$400.00} carrying {$100.00} over to the next cycle where I incur {$300.00} more plus a {$10.00} interest fee for XXXX but pay in full the now balance of {$410.00}, I will also carry an interest charge to the next month. She told me it takes two months in a row of paid-in-full payments to cancel out interest charges. This sounds to me like double-cycle billing, a practice that was outlawed with the Credit Card Accountability, Responsibility and Disclosure Act of 2009. 15 U.S.C. 1637 ( j ) ( " Except as provided in paragraph ( 2 ), a creditor may not impose any finance charge on a credit card account under an open-end consumer credit plan as a result of the loss of any time period provided by the creditor within which the obligor may repay any portion of the credit extended without incurring a finance charge, with respect to ( A ) any balances for days in billing cycles that precede the most recent billing cycle ; or ( B ) any balances or portions thereof in the current billing cycle that were repaid within such time period.

( 2 ) ExceptionsParagraph ( 1 ) does not apply to ( A ) any adjustment to a finance charge as a result of the resolution of a dispute ; or ( B ) any adjustment to a finance charge as a result of the return of a payment for insufficient funds. ) Since my payments are not a result of any adjustments to finances charges from insufficient funds or arising following a dispute, the practice of charging me interest twice on the same money violates this law and I would like my money refunded, their practices investigated, and this behavior to be stopped going forward. 

Thank you for your time.
Product: Debt collection

Called this company several times I dont have any debt in Arizona when I currently live in XXXX its say a debt owed XX/XX/XXXX but it was published in XXXX almost 4 years later to ask for a debt? I have no idea who this company is and why they this put on my report
Product: Debt collection

I went to a XXXX XXXX to buy a car. I came to find out the salesperson used deceptive and fraudulent tactics to obtain the sell which caused personal and credit damages to me. I do n't have the means to pursue them finically so I have never filed anything against them. 

I was initially denied the car because of my credit, even with my mother cosigning. The following day the salesperson called me said he found a way to get me approved. So I went to the dealership to sign the papers and drive off in my car. When I got my first bill for the car the statement it was far from what I and the sale person agreed upon. I took a look at the papers they gave me and my personal info was incorrect and the price was incorrect. I came to find out the salesperson change letters around in my name and added false info to me and my mother applicant to get me approved. I called the finical company and told them the situation. I asked to return the car but the operator could n't give me a straight answer on how the process worked. I got frustrated and hung up and called to get another operator, I told the operator the same situation and that I could n't afford the car and the information was false. I would just like to return the car to the dealership, the person threating that I would still have to pay for the balance left of the car even tho I did n't make one payment and the sale person add fraudulent information to my application. After not paying a payment on the car eventually, the repo person came and pick the car up. I thought the situation was taken care because I did n't hear from them after they came and got the car. I recently notice info on my credit as well they have taken legal action against my mother.
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. pnc bank XXXX XXXX infiniti fin svcs # XXXX U.S.C 1681 section 602 A. States I have the right to privacy.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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXXr Account # XXXX, # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, # XXXX XXXXXXXX XXXXXXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX The referenced accounts above have 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 : States that a consumer reporting agency can not furnish a account without my written instruction.