23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My vehicle leased with GM financial was totaled on XXXX/XXXX/15. After working with other parties ' insurance company, a payoff amount was established and a request for title began XXXX/XXXX/15 with GM financial. As of today, no copy of the title has been released so that the insurance company can send check to GM Financial. I have personally pursued this issue with the title dept, total loss, and collection depts in order to have this issue rectified with no resolve. In the meantime, the insurance company is waiting on a title, and I am being pursued for payment -- I am being called everyday to submit payment for a vehicle that GM Financial knows has been totalled.
Product: Mortgage

Servicer working on short sale is using fraudulent evaluations. 
When dispute is forwarded with clear and convincing support for lower values, they fail to cooperate. 
This property is facing foreclosure and they will wind up taking the property back at a foreclosure sale. 
They have not communicated with us and have failed to cooperate in an honest and sincere way.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

Account Name : 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 XXXXXX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account # 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 a account without my written instructions. 

XXXX XXXX  ..Acc # XXXXXXXX XXXX XXXX XXXX ..Acc # XXXX XXXX XXXXXXXX XXXX.Acc # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice some inquiries on my report that I did not authorize. Here are the list of inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XXXX XXXX, 2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Product: Credit reporting or other personal consumer reports

I made several complaints and the company 's came back and affirmed them. And they are still on my credit report. I'm currently still homeless and unable to get a house. These were all fraud and I have a police report. And all they still refuse to remove these things off of my credit report
Product: Credit reporting or other personal consumer reports

I have previously sent multiple letters XXXX XXXX XXXX requesting validation and verification of a bankruptcy  on my report. According to 15 USC 1681 accuracy and fairness of credit reporting! Consumer reporting agencies adopt reasonable procedures, for meeting the needs of commerce for consumer, credit personnel, insurance, and other information in a manner which is fair and equitable to the consumer with regards to confidentiality accuracy, relevancy and proper utilization of such information in accordance with the requirements of that chapter. Also, transaction and experiences between a consumer and a person making the report shall not be reported. Any payment history, ultilization, history, status, remarks, limit and balance are all part of transaction and experiences so it should be deleted per federal definition of consumer report! 
I have yet to receive any validation or verification of this bankruptcy. I have personally contacted the us bankruptcy court and they DO NOT report to any credit reporting agencies. Per 15 USC 1692j it is unlawful to design, compile and furnish. Any form knowing that such form would be used to create the false belief in a consumer, that a person other than the creditor of such consumer, is participating in the collection of or in an attempt to collect a debt such, consumer allegedly owes such creditor. When in fact such person is not participating. Consumer reporting agencies must delete inaccurate, incomplete or unverifiable information.
Product: Payday loan, title loan, personal loan, or advance loan

Spot a loan is suppose to be short time repayment plan, I barrowed {$400.00} they set me up to {$73.00} every week until the {$400.00} Loan was repaid, They are not taking out the payment when its due and I'm getting emails saying thank you for your payment. But I'm also getting emails saying they are adding more payments on to my payment. I'm suppose to have it paid off in XX/XX/XXXX. But every time they miss taking a payment I'm getting emails staying they are adding more payments to my contract. I have been making weekly payments of {$73.00} since XXXX. I did not agree to all these other payments they are adding on to this contract. Now they have me paying them off XXXX these XXXX/XXXX these are payments she shouldn't been add to my account... I'm refusing to pay them after XX/XX/XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX The information is below Just a friendly reminder Hi XXXX XXXX, On XX/XX/XXXX, XXXX  will withdraw a payment of {$73.00} from your bank account via XXXX ending in XXXX Payment Breakdown Total Payment Amount {$73.00} Principal {$2.00} Interest {$71.00} If you miss a payment, you will pay more interest on your loan over time as interest is charged daily against your unpaid principal balance. You will receive a separate email regarding your payment schedule. 

Please let us know if you have any questions or concerns or, need to make arrangements regarding your next payment. As a reminder, we require a two business day notice to make changes to your payment due dates. 

Our hours of operation are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX You can email us directly at XXXX. For immediate service, please feel free to call us at XXXX. 

IMPORTANT : As part of our commitment to providing you with an improved user experience, XXXX  recently launched a new online account access portal. To ensure the security and continued access of your account, we kindly ask you to reset your password. Your old password is not valid on the new portal. The new portal offers enhanced features to streamline your loan management experience. 


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

I know 15 USC 1611 XXXX Trans Union and XXXX is criminal obligated. They are officially obligated by the XXXX management of money changes as per 15 USC 16 1640 for more. They are in risk of each other about FDCPA in XXXX XXXX XXXX. I requested that they eliminate XXXX 15USC 1692 It is likewise publicizing to certain installments which is not allowed. I am requesting that you remove these transactions immediately because it is infringement of my ability t S a government product purchase protected purchases under the title 15 USC 41 concerning record recorded on underneath a customer. I am requesting cancellation of these records under the consumer protection bureau, state attorney, Federal trade commission State Attorney General Us Senate federal deposit insurance corporation reserve system insurance Federal Trade Commission state attorney generall XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - 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. 



Closed Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

On XX/XX/year>, I had my first call with Sunrise Credit Services regarding a debt they were attempting to collect. I requested validation of the debt, including proof of the original creditor, the amount owed, and documentation verifying that the debt belonged to me, as required by the Fair Debt Collection Practices Act ( FDCPA ). During the call, they provided an account number for the original debt, but neither this account number nor my personal information could validate the debt. Sunrise Credit Services also claimed they didnt have the means to email me the information at that moment but assured me that someone would follow up with an email. However, I never heard from them again. 

Despite never receiving the requested documentation, on XX/XX/year>, they filed the debt on my credit report without informing me. I also contacted the original creditor directly, but they couldnt locate any records of this debt or account. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable debts, and credit reporting agencies are required to report only accurate information. Sunrise Credit Services inability to provide proper validation violates both the FDCPA and FCRA. I request that this debt be removed from my credit report until proper validation can be provided.
Product: Credit reporting or other personal consumer reports

I am disappointed with XXXX but I am trying to keep up with media that I am able. According to an FTC email or on the website I received from the FTC they are being taken to court for adding incorrect information affecting several people However I just received a letter that reads that I am to notify all XXXX credit bureaus that there was yet again a medical cyber attack which involved myself and personal information such as social security numbers id etc and to notify medical XXXX reporting bureaus banks etc and given XXXX which I dont have much results with for years. However I received this in the mail today. So I am requesting again that especially XXXX does take note of this again. One more cyber attack on medical facilities and I was one listed.
Product: Credit reporting or other personal consumer reports

I was completely taken aback to find inaccurate accounts on my credit report tonight, and I have no explanation for how this happened. I review my credit report often, and this time, there were discrepancies that just appeared suddenly. I tried refreshing the page, hoping it was a mistake, but nothing changed. These wrong accounts are still there, and now I just want the documents I provided to be looked over carefully so I can put this issue behind me for good.
Product: Bank account or service

my bank is in the habit of going back in time and retro actively changing the order in witch money moves in and out of my checking account, so that they can charge me an over draft fee i would like this false system of charging the customer to stop. And i want my {$36.00} put back in my account today!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following repossession in my credit file. The items I dispute are also encircled on the attached copy of the report I received. 
My credit report and score falsely sanction me for a vehicle repossession that is inaccurate. The vehicle listed as repossessed under my name on my credit report was in the state of theft and not in my possession as you will see on the attached Theft Report. The car was stolen on XX/XX/XXXX and not in my possession. 
My Credit Score suffered immensely as did my financial future. I can not refinance, nor open a credit card account, buy a house, buy a car after mine was stolen, rent an apartment. My insurances went up, my checking and savings bank of 14 years, XXXX  XXXX XXXX closed my accounts. 
XXXX XXXX XXXX repossessed XXXX XXXX XXXX XXXX XXXX that is registered in my name, wrongfully so as I was never in default as you will see in the attached financial statement from XXXX XXXX XXXX XXXX XXXX ). XXXX  extra contractually repossessed the vehicle and impounded it to a lot where it was repossessed. 
It was not in my possession on XX/XX/XXXX. 
This credit report and forever stamped repossession is inaccurate. I am requesting that the item be deleted. 

I called the credit bureaus and no help. I called and called XXXX and they were going to auction my car they had NO EXPLANATION AS TO WHY IS WAS REPOSSESSED. Nothing in the contract. I still paid to get it back reinstated account and they still reported repo. Please help XXXX XXXX XXXX are conducting bad business, unlawful repo, destroying my life, mental health. When I did nothing and my car was stolen.
Product: Debt collection

the card was opened fruaditly I contact the credit Breau, and they state is a valid debit and it is not i have asked several times for the debt to be removed or validated and they have no complied.
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of XXXX and XXXX that affects every aspect of my daily life. The XXXX  impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from XXXX. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.
Product: Credit reporting or other personal consumer reports

This is a follow up. It's been 30 days and still no result. Under federal law, you have 30 days to complete your reinvestigation. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I, ( XXXX XXXX ) placed an online investigation concerning an identity error on my credit report. All three reporting agencies stated that my alias name was XXXX XXXX. XXXX XXXX is my spouse of 39 years. I requested that this error be removed. My spouse and I have a freeze on our credit to prevent identity theft. 
On XX/XX/XXXX we tried to unfreeze our credit with all three agencies. XXXX and XXXX allowed the request. 
I had to place a call to Transunion because the request was not permitted and my account was locked. I explained to the Transunion rep the situation. He would not listen and continued to tell me the problem with the reporting error. The etiquette of the Transunion representative was unbelievable. I was told that I could not ask any questions and to basically shut up and listen. He stated that we would not be able to unfreeze our credit until the investigation was complete. He stated that he could not tell us how long it would take, and the call ended with his obnoxious behavior. We have not received an update from Transunion. We have a business proposition that is very important. Transunion has not given us an update on the status of my credit report and has continued to hold the account frozen after we have made the request to unfreeze the account.
Product: Credit card

Edward Jones XXXX billed my account for {$440.00} on XXXX XXXX, 2016. This charge referenced my dispute with a scammer who XXXX my computer and charged {$440.00} to repair it. They did not. I questioned the charge and received a credit on XXXX XXXX. The Edward Jones Cardmember Service Department reversed its decision on XXXX XXXX. I have written and placed numerous calls to Edward Jones to remedy the problem. They now say they can not initiate an investigation because I questioned the charge after " the 60-day protection period. ''
Product: Debt collection

NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE REPEATED OFFENDER AFFIANT : XXXX XXXX XXXX XXXX 
XX/XX/year> DEFENDANT : CREDIT CONTROL LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ALLEGED ORIGINAL CREDITOR : XXXX XXXX  XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : [ XXXX ] ALLEGED DEBT AMOUNT OR BALANCE XXXX 
CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEAR : CREDIT CONTROL SERVICES INC -BULK DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692D [ I NEVER gave your company consent to use this account XXXX XXXX XXXX IN XXXX ] EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR CFPB WILL SUE CREDIT CONTROL SERVICES LLC XXXX, YOU HAVE 3 DAYS TO DAYS TO DELETE IN RECEIPT AFFIANT XXXX XXXX XXXX XXXX Living woman far from being dead Beneficiary OF XXXX XXXX XXXX not TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAY WITH MY PERSON