23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FAIR CREDIT REPORTING ACT accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have come back verified. How is this true when there are inaccuracies on my report. I demand to see full method of verification according to the FCRA. Pursuant to 15 U.S.C 1681 section 602A states I have the right to privacy. Pursuant to 15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my account without my written instructions. Also, I demand compensation of damages for each violation of {$1000.00} according to the FCRA 623 ( a ) ( 3 ) my disputes are not posted on any of the accounts in question on my report. See screen shots in the attachment. The above mentioned accounts are to be deleted from my credit report ( not updated ) as soon as you see this message. Thank you and have a happy rest of the year!
Product: Credit reporting or other personal consumer reports

I seen accounts on my credit profile and it is a violation of my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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.days I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpos
e {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

My credit report shows a late payment on XX/XX/XXXX, which is inaccurate. On XX/XX/XXXX, I sent a dispute letter to the AAFES Exchange program disputing the negative mark on my report and requesting an investigation and verification that my payment was indeed late. 

As a result of this dispute, I request edthe following actions from the credit bureaus : XXXX. Investigate the reported late payments XXXX. Remove the negative late payment entries from my credit report if they are not proven to be accurate after your investigation. 
XXXX. Provide written confirmation that the inaccurate information has been corrected and removed from my credit file. 
Please provide me with the results of your investigation within 30 days as required by law. Should you require any additional information or documentation to proceed with this dispute, please notify me promptly. 
I expect a full and prompt resolution of this matter in compliance with the relevant consumer protection laws. 

I furthermore request to be provided specific proof that these alleged late payments were in fact late. I requested to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that they must verify these items with accuracy within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have been a victim of Identity theft and have fraudulent/unauthorized accounts showing up on my consumer report that originated from identity theft. I do not have any knowledge of these accounts and my information apparently was in the XXXX data breach. I have been reaching out trying to get this cleared up but haven't made any progress, when talking to the companies and the consumer reporting agencies. 15 usc 1681c-2 states that consumer reporting agencies must block and remove accounts related to identity theft, I have included FTC reports showing the accounts originated from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late sending my payemnts to ..I wonder why Transunion report it as late when in fact payments were sent before the due date..They wont give me  concrete reason as to why they wont fix this..CFPB please step up and fix XXXX XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Debt collection

Firstly, I would like to submit a complaint towards XXXXXXXX XXXX XXXX for selling my information to a third party company, Express recovery services, without my knowledge and Authorization. This can surely be classified as identity theft. 

I received a mail on XX/XX/2022 from Express Recovery Services, A Debt collection Agency at the amount of {$220.00} without explanation or reason. 
A breakdown Stating ; Client name : XXXX XXXX XXXX, amount owing {$210.00}, interest {$9.00}. 
XXXX XXXX XXXX is our electric company. I say 'Our ' because I share a house with three other females and we all pay utilities under one account number. The account was under my name up until XX/XX/XXXX. I was leaving the country for a few months, so it was only smart to switch the account over to one of the other roommates name, in order to avoid any mishaps. All bills prior to this were paid and paid on time. XXXX XXXX XXXX can testify this. I was not aware of any other payments due, because it would've carried over to the name on the account after me. 
I made a call to XXXX XXXX XXXX to inquire about the situation and gain some clarification as to why I had a collection report on my credit. They explained that there was a closing cost/bill which was unpaid. I explained to them that the account was never closed, and its still active till this day, it just got switched over to a different name because I was leaving the country and won't have had access to make payments. 
I tried to come up with a way to resolve the situation by making any payment claimed to them directly, to avoid further deterioration towards my credit, but i was turned down. The representative let me know there was nothing she could do and the only thing to do was to call the debt collector and make the payment. 
This has caused extreme damages to my credit score and has put me at high risk of not being able to obtain any future assets which has caused me mental anguish. 
Lastly, I would like to add that I do not owe Express Recovery Services any debts or payments because I didn't not sign nor have any contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting on my credit inaccurate information. They are reporting my balance is {$23000.00}, when in fact my balance is {$22000.00}. They are also reporting I have two missed/late payments, this is inaccurate and the dates are XX/XX/2019 and XX/XX/2019. 

I have sent letters to the company and disputed the information numerous times.
Product: Credit reporting

I am getting a report that has told me some one has open a mortgage in my name and credit my credit score is now down I believe because of it. I have not open a mortgage loan at all.
Product: Mortgage

Wells Fargo offered me an amount much less that what I am owed, I did cash 2 checks totaling less than {$1000.00} but I feel that I am owed more, Wells Fargo used practices such as charges me for services that I did not agree to or sign for and added those additions to my monthly mortgage payment without my knowledge. I faced foreclosure because of money that was added into my monthly mortgage payment and not notifying me. my mortgage account number was # XXXX from XX/XX/XXXX- XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To Whom It May Concern, This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my consumer credit report on XX/XX/XXXX, without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618 ( a ) 3 ( 1 ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. XXXX. XXXX ). I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. To avoid any of these penalties, I demand that these inquiries be removed immediately. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to : XXXX XXXX XXXX XXXX XXXX, PA XXXX Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im not able to login to my online account with TransUnion. The message on the website says : We're unable to complete your request. TransUnion refused to provide me with access to my online account and online credit report. They blocked me from my account and online dispute submission. I called TransUnion but the customer service agents refused to help and fix the issue. This is unacceptable, discriminatory business practice from TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX  XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Debt collection

on XX/XX/2020, I sent ( LVNV FUNDING, LLC AND XXXX XXXX XXXX ) A LETTER REQUESTING FOR THE VALIDITY OF THE ALLEGED OF XXXX THAT I DO NOT OWE AND I HAVEN'T HEARD FROM THEM ABOUT THIS ITEM.I HAVE ATTACHED COPIES BELOW OF THE INFORMATION SENT.
Product: Debt collection

UNITED REVENUE CORP Account Number XXXX This company has posted collection on my credit. I have disputed them twice and they tell the credit bureau the debt is legit. AND IT IS NOT! I don't really know how to fix this problem. I do know I will nevr give a dime to someone claiming I owe them when I know I don't! 
I discovered they started reporting this since XX/XX/2014. 
Again this is not my debt!
Product: Vehicle loan or lease

I visited a XXXX dealership to finance a car. XXXX allows you to view your payments prior to final purchase. I asked my dealer several times if the price they showed me on the screen would be monthly and several times I was assured my payments would be monthly. During my welcome call I agreed to pay extra on my autopay to boost my credit and to pay the loan off faster. After making my first payment, 2 weeks later I noticed I was being charged again. I called Bridgecrest to resolve the issue and they informed me that I was set up for bi weekly payments. I told them this was a mistake and they would not budge, informing me I would have to wait 6 months to adjust my pay frequency. I asked the dealer several times about my monthly payments. MULTIPLE dealers, because I had to leave the one I went to in XXXX since they didn't have the vehicle advertised as being available, forcing me to go to another XXXX for the vehicle I ended up with. I asked the agent on the line when signing my documents if these would be monthly payments. I have reported them to the XXXX previously for this, and they refused to rectify the situation. Over 6 months have passed and I have tried to readjust my pay frequency. 6 months of barely surviving payments I never expected to keep up with every 2 weeks nor agreed to. 6 months of missing only 4 payments and being charged daily interest, so much so that I've paid back triple the missed amount and only touched the interest. In order to not have vehicle repossessed, I have paid even more every 2 weeks. What started out as a promise of $ 192* a month, became $ 244* every 2 weeks, which became $ 303* every 2 weeks. I paid off missed payments to finally readjust my payments ( which was denied ) and was told that payments are based on how often I get paid, and I would've had to pay biweekly for 6 months regardless. I've called MULTIPLE times and this was never explained. Are you telling me monthly was NEVER on the table due to my biweekly pay? This whole time I thought they were just refusing to rectify a mistake they made, but no. No, they first out lied to get me to sign up for something they knew I wouldn't be able to handle. This is predatory!
Product: Credit reporting, credit repair services, or other personal consumer reports

A JPMCB CARD ( Chase ) appears on my report for more than 150-180 past due days and they are still reporting it to the credit reporting agencies and are trying to collect interest and late fees on this account. By legal right and by the Fair Credit Reporting Act this account needs to be charge-off or delete from my credit report " WELL TO KEEP GAINING INTEREST FEES AND LATE PAYMENTS FEE THIS COMPANY IS NOT REPORTING THE ACURATE DATES TO THE CREDIT REPORTING AGENCIES ''
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE IRS CODE 1099C IS REPORTED AS INCOME THIS COMPANY IS REPORTING A CHARGE OF ON MY REPORT AND ARE STILL REQUESTING THAT I PAY THEM AND REPORTING INCOME ON MY CREDIT PLEASE REMOVE OFF OF MY CREDIT IT IS ILLEGAL TO REPORT INCOME ON MY REPORT
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS HARD INQUIRIES on my TransUnion report. 

XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023
Product: Debt collection

This company is calling my relatives and leaving messages regarding my " case '' number. I have no idea who they are, but I do know that this tactic is illegal.
Product: Debt collection

I recently had a debt with Franklin Financial. I was arranging to pay the debt and have it deleted from my credit. The representative was very rude and begin to belittle me. I am a veteran of the XXXX XXXX XXXX and this is hindering my home purchasing process. The debt has been paid in full.
Product: Credit card or prepaid card

Chase keeps blocking my transactions on my credit card without my permission. I bought something online last night from amazon, chase blocked the transaction and didnt even bother to tell me about it until 5 hours later at 4 in the morning.

I have asked them so many times to disable this feature on my credit card because of the inconvenience it imposes on me. If I need to use my card in an emergency when I go on a road trip I dont want it getting blocked. It scares me to think about how they just arbitrarily pick and choose transactions to block for no good reason. 

Chase keeos ignoring my request to disable this feature. Asked them at least 5 times. 


Chase Fraud : Did you use card ending XXXX for {$12.00} at AMZN Mktp US on XX/XX/04? Reply YES or NO. Msg & data rates may apply. 

Chase : Thanks. The transaction wasn't completed. If you want to make the purchase with this card, have the merchant reprocess the transaction. 


Ive got 4 cards with chase I want this feature disabled on all 4 of my cards the chase freedom, chase XXXX, XXXX XXXX  XXXX and XXXX  XXXX.
Product: Debt collection

STP Group ( Collections ) continues to contact my place of employement, an XXXX and his family members after being asked not to. They ( XXXX XXXX XXXX/XXXX/2015 ) disclosed false information to my XXXX family and threatened to charge them. An undisclosed individual of the company said she would call back to my office and tell my co-workers and boss I refuse to pay my bills. They will not stop calling my place of employment although they have my personal number to reach me. XXXX XXXX informed me she does not have to stop calling and will continue to do so until I pay her then hung up the phone. Furthermore, I do n't believe this company obtained my information legally and/or their claim in valid. I contacted the original company who stated I do not owe them nor was my account sold to STP Group or Collections.
Product: Consumer Loan

I bought a truck advertised at {$6400.00} on XX/XX/2015. I gave a {$1500.00} down payment which left a balance of {$4900.00}. I received the loan payments breakdown of {$350.00} per month for 37 months. That is a total of {$12000.00} plus the initial {$1500.00} deposit. So I am financing {$4900.00} to pay back {$12000.00}? Furthermore, I did not get to drive the truck until the A/C was repaired as advertised. The car is not street legal as there are broken taillights which they promised to repair and the tag lights are also inoperable. I did not receive the truck until XX/XX/2015 with the paperwork of my financing. When I told them that I did not want the truck because this was not the advertised price, they said that I would lose the deposit and I already signed all the documentation. So then, Westlake Financial called me to ask for pay stubs. I asked them if I did not cooperate, would I still get approved for the loan. They said no. Good. Now I can get my money back.Right? Wrong! I have been lied to by every single person employed at XXXX and would like to purchase the truck at the advertised price of {$6400.00}, or return my down payment. Furthermore, they asked me to lie to the finance company -- by telling me what to say to them when they ask me questions. I am suppose to meet with the Sales Manager today and am extremely nervous about the outcome.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXXXXXX XXXX XXXX on XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request and no one at any of the credit bureaus and handling my dispute requests. I am requesting that these below accounts be deleted from my credit report, especially if they are unverified and non-compliant. Thank You, XXXX XXXX - XXXXUnverified Account- Delete immediately XXXX XXXX XXXXXXXX XXXX XXXXUnverfiied Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Unverified Account- Delete immediately I am really looking for some guidance here ... The Credit bureaus are failing to respond and the CFPB is not assisting me at all here. I am trying to take care of my credit. 

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

I previously submitted complaint ID XXXX regarding fraudulent report freeze/unfreeze practices of Experian. In its response Experian said to go to www.experian.com/freeze to unfreeze ( the unwanted and fraudulant freeze they had imposed on my credit report ). On XX/XX/XXXX ( the date of the company 's response ) I opened that and was redirected to https : //www.experian.com/freeze/center.html where I selected Remove or Lift a Security Freeze, which went to https : //www.experian.com/ncaconline/removefreeze. I filled out the form but when I tried to submit it the web site reported missing previous address. The form had no fields for previous address. This form is a fake. It is designed to look like Experian is willing to lift an unwanted freeze while actually making it impossible without buying their " protection '' service.