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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 


5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 


7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 


8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 


9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 


10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

sent a letter of validation return receipt requested which they received XXXX XX/XX/22. They did not respond with all information within the 30 days allowed. therefore they must remove it from my credit report. They have instead reopened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint number XXXX. 

Thank you for providing the original contract, but the original contract does not answer nor fix the issue I complain. 

I want to make this as simple as possible to understand. 

Sun Loan Company claims On XX/XX/2019, XXXX XXXX refinanced his loan for {$480.00}. No payments were received. 

Additionally, Sun Loan Company states As to XXXX XXXX statement that XXXX XXXX reported OK on his XX/XX/2019 credit report, he would need to contact them at ( XXXX ) XXXX for clarification on what information they reported. ( Attached ) XXXX XXXX XXXX is borderline pointless. I am contacting you, the furnisher. 

In hopes you will do the right thing as I have tagged the CFPB in this stressful matter. 

Below I have attached a copy of how Sun Loan Company is reporting onto my XXXX XXXX report. The attached consumer report was mailed to my address via : The credit bureau. ( XXXX XXXX ) I have underlined the rating for XX/XX/2019. 

I want to restate that XX/XX/2019 shows a rating of OK The rating key provided by XXXX details that OK means Current, paying or paid as agreed. 

If it was true that NO payments were received, and I refinanced XX/XX/2019, then XX/XX/2019 would reflect 30 days late and not OK. Why does it show a payment made if no payments were ever made? 

I have detailed to you how this account is not accurate. 

Now, I want to remind you ( The Furnisher, SUN LOAN COMPANY ) of : Prohibition on Reporting Inaccurate Information. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.

In addition, Furnishers Duty to Investigate. If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.

Finally, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.2
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding a fraudulent collection account that has been reported on my credit file. The details of the fraudulent account are as follows : Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/year> I do not recognize this account, nor do I have any contractual agreement with either XXXX XXXX XXXX or XXXX XXXX. I have been a victim of identity theft, and this collection account was fraudulently opened in my name without my authorization. 

I am providing the following supporting documentation to substantiate my claim and request the immediate removal of this account from my Experian credit report : Affidavit of Fraud ( Attached ) FTC Identity Theft Report ( Attached ) Copy of my Government-Issued ID ( for identity verification ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I formally request that Experian block and remove this fraudulent collection account from my credit report. As required by law, credit bureaus must remove fraudulent information within four business days upon receipt of proper documentation. 

Please investigate this matter promptly and provide me with an update regarding the status of this dispute. I request written confirmation once this account has been removed.
Product: Debt collection

I did not get papers served to me in person. The process server lied and said I was avoiding service. The server taped the papers on my front door and left.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been shopping for cars for about a month and on XX/XX/2020 I was at the XXXX dealership and I found a car I liked so they ran my credit to see what my monthly payments were going to be as well as the interest rate ; however, when my credit report came back, I was told that I didn't get approved at all because there were several accounts in negative standing on my credit. I looked through my credit report and I saw many accounts on there that I never opened. The accounts are from XXXX XXXX, XXXX XXXX XXXX  & US BKPT CT CA XXXX. None of those accounts belong to me and I have never allowed anyone to open those accounts with my personal information. I did not take part in any transactions or payments made towards any of those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 5. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 6. Did not consent to unauthorized inquiry XXXX  NA Date of inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 7. Did not consent to unauthorized inquiry XXXX Date XXXX inquiry : XX/XX/XXXX As a consumer by law, this account must be deleted immediately 8. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
9. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
12. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXXPlease remove it from my credit report. 
XXXX. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
14. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
15. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
17. FDCPA Section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
18. FDCPA Section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
19. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
20. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I dem
Product: Debt collection

I recently checked my credit and discovered that this company has reported that I owe them debt. To my knowledge I have never done business with this company neither have the provided me with goods nor services.
Product: Debt collection

The manager gave us a letter saying that he would not do a walk through of the apartment required by law because of complaints filed with HUD. 
Then he sent us an illegal bill charging us for new paint, carpets, tile without including the receipts ( also against the law ) Now he hired these illegal lawyers to try to collect. I have filed a small claim case against them but had it delayed because of health problems. 
I demand that XXXX return our security deposit or I will ask the judge to double the amount!
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws XXXX XXXX account included in bankruptcy reported on Experian Chapter XXXX bankruptcy filing on Experian, XXXX  and XXXX
Product: Mortgage

My mortgage payment was {$59000.00} with the payment of XX/XX/2020 the payment of XXXX went up to $ XX/XX/XXXX.No explanation from banco popular.Had a home insurance policy with segurosmultiples.This policy was canceled several times this year.My mortgage holder ( Banco popular ) never informed me that my coverage had been terminated.Had to make many calls to banco to finally be informed that my coverage was in effect until XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A credit card was opened in my name without my knowledge. Experian said they canceled it, XXXX XXXX said they canceled it and I got letters confirming all of this. It is still showing as an opened card on my account and I can not reach a human even when using there automated system for almost a half hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identify theft in XX/XX/2021. I have frozen my credit 2 years ago with all three credit bureaus, but wanted to check my credit reports due to the identity theft. I had no trouble with XXXX or XXXX, but Experian is a disaster. I have literally combed their entire website, and tried about 8 different phone numbers I found for them and tried every menu path on the phone systems. There is literally no way to speak to a person to get me logged back in, or even ask for help about the identity theft. I emailed them but they are no help. I just need someone to give me a number where I can actually talk to a person, actually, no, I don't want a number ever again, I want them to call me because every time I'm given a number, it goes to the black hole menu systems on their phones. So, I just need them to reach out to me because when I put in my birthdate and SSN to login on their website, it says the two don't match, but I know I have the right date and SSN. Have tried many times. PLEASE HELP AS I AM CONCERNED SOMEONE HAS TAKEN OVER MY EXPERIAN ACCOUNT AND EXPERIAN IS NOT HELPING RESOLVE THIS TIMELY SO I CAN STOP IDENTITY THEFT!
Product: Credit reporting

I continue to be harassed by XXXX XXXX. They are still attempting to collect a debt ( shown as open collection on my report ) despite numerous disputes. At last they sold the account to XXXX, XXXX XXXX XXXX XXXX when they/I requested information to prove the collections was legitimate the recalled the account from XXXX, XXXX et al. instead of providing proof. The account was closed by XXXX XXXX XXXX, 2006 after I paid a court mandated judgment. Somehow XXXX had reopened the account and I paid on the so called debt further due to the harassment. I have contacted XXXX both in letter and by phone, notified all credit agencies and the " collection '' still shows active on my report. Please let me know how this can be removed once and for all ... .I do not owe this debt!?
Product: Credit card or prepaid card

1.I have had Banking relationship with citi for more than 2 years till my credit card accounts were abruptly closed by Citi on XX/XX/XXXX. 
2.During the course of these 2 years I have opened 4 Citi Credit Card Accounts.I have paid balances on all my accounts in FULL and have never been a defaulter on any of these accounts.

3.Despite having a good relationship with citi, all my accounts were closed without any warning.

4.Also during this time, when the accounts were open, I have accumulated more XXXX ( {$2900.00} ) Thank you points which is also forfeited now. 
5. When my account was closed on XX/XX/XXXX-XX/XX/XXXX, I have recorded conversation with a Citi representative who assured me that I have 60 Days to use my points.

I request Citi to go back and check the conversation.

6. But then when I tried redeeming points on XX/XX/XXXX, I was told all points are forfeited.

7. Also, I have paid hefty annual fees on 3 of my credit cards XXXX - {$450.00}, XXXX- {$95.00} and XXXX- {$95.00}.

8.By Mailing a letter to Citi on XX/XX/XXXX, I requested them to re-open my accounts and if I have made any mistake, please let me know and I am ready to correct myself.ALso requested them if account opening is not an option, at least refund the fees which you have charged and my thank you points. 
9.On XX/XX/XXXX, I received a response from a Citi - XXXX XXXX from EXecutive Response UNit mentioning - - She Can not open the accounts.

- Declined to re-instate Thank you points ( XXXX points = {$2900.00} ) - Declined to Refund the Annual fees charged ( {$640.00} ) 10. Due to this sudden closure of the account I have lost almost {$3500.00} and feel cheated by Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed multiple letters disputing accounts that should not be on my credit report and they are still there! incorrectly reporting!
Product: Credit reporting or other personal consumer reports

I am writing to DISPUTE the following archives that your company supplied to one or more consumer reporting agencies.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, the sufficing adhering of Federal and state reporting laws and or shrewdness in your subservient adhering to the mandatorily adapted credit reporting industrys procedures and or processes namely the XXXX own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofcognate info that else better ensure integrity of precepts or dogmas in behest made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably law-abiding reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are lawfully common to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.
Product: Mortgage

I applied for a Home Equity Line Of Credit with Bank of America. The application went smooth, I did it over the phone with a lender. It was sent over to underwriting, I submitted all requested documents. I got an email saying the title work and appraisal had been ordered. Then I got an email back saying they required me to have {$9000.00} in a savings account to be able to be approved for the loan. This was the first time during this entire process that this requirement had been brought up. I really thought it was strange. I only have about {$4000.00} in a savings, so they said they could not move forward with the loan. Had I known this up front, I never would have applied and took the hit on my credit. Obviously, I would have known I would not be approved. But this fact was never disclosed until the end, after the app, the credit pull, the entire process. A supervisor called me after I submitted a complaint on their website about this process. Then, after that, I got a call from the appraiser to schedule an appraisal, so I did that. Thinking maybe it was back on track again. We scheduled for today at XXXX XXXX. Well, the appraiser did not show. I called and she said the bank called her and cancelled it. So, I am really not sure what is going on. I think it is unacceptable that they effectively tricked me into applying for a loan I had no way of getting. And also during the process, the person that took my application on XXXX separate phone calls remarked how young I am. Which, I am XXXX, so I don't know why. But also, how is that relevant? Is that also part of why I was declined? My age? Again, I just find it unacceptable they would not disclose the {$9000.00} requirement up front, make comments on my youth, and then conveniently find this " loophole '' to decline my application. All while still getting my information into their system and getting an application tick mark for their spreadsheets. And this stuff is all there to see in the emails I have and their recorded phone calls. I also find it unacceptable that they just so blatantly would do all this and not think a customer would take issue with the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name GROW CREDIT, INC. 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$10.00} Balance updated XX/XX/XXXX Recent payment {$10.00} as of XX/XX/XXXX Monthly payment {$10.00} Credit limit {$1800.00} Highest balance {$50.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days ND No data for this period Payment history guide 60 days past due as of XXXX XXXX  30 days past due as of XX/XX/XXXX XXXX
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. 

Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX 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 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: Vehicle loan or lease

Santander Consumer was the bank that supplied the loan for my XXXX XXXX XXXX. The vehicle was {$16000.00} at the beginning of XXXX when it was purchased. It was not explained to me that interest was going into a separate account. It was also not explained to me that there could be a GAP policy attached to my car note of {$470.00} per month. Fast forward to XXXX- they never supplied me with any information that they were in Federal Court for being a Predatory Lender. The vehicle was placed in the care of a towing company after the wheel was wobbling for a repair. The repairs totaled more than I could afford and at this point I had no choice but to contact them to give them the vehicle back voluntarily. During all of the time I owed them Santander called me almost every day and sometimes more than one time in a day. They ultimately decided to abandon the vehicle ( did not retrieve it ) and stated to me that the reason why was that it was not worth it for them but that I needed to continue to pay on a loan for the car a total of {$11000.00}. This means that over the last five years they have collected {$28000.00} approximately in nothing but interest and only {$5000.00} ( {$1000.00} per year ) towards the vehicle. Leaving me with an {$11000.00} balance to be repaid for a vehicle that was probably worth {$5000.00} or more of the {$11000.00} they stated that I owed in writing. When asked to send a communication by mail stating that they abandoned the vehicle they refused to do so. They have been calling me every day while I am working and trying to re-establish myself after the pandemic hit me financially as hard as it did. This is not right. Someone needs to do something about them. This was a flat out HOAX. Nothing they tell you is true about how the loan is repaid.