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

Ive recently checked my consumer credit file and noticed an account by the name of XXXX Account # XXXX is reporting without my consent. I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREEDNEVER LATE. 

15 U.S.C 1681C-2 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 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a request for validation with Portfolio recovery, send by certified mail, return receipt requested, letter was delivered. 
This is around mid XX/XX/2022. 
I did not get validation data. 
I also have send letters to all XXXX credit bureaus, certified and return receipt. 
requesting verification. 
I did get answers from all XXXX within 30 days. 
They verified and all was correct according to them
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX 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 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.
Product: Debt collection

I sent 3 certified letters and the company has violated and failed too : Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 


This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting or other personal consumer reports

FRAUDULENT INQURIES 1. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : COMENITYCAPITAL/XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : COMENITY BANK/EXPRES Inquiry Type : Hard FRAUDULENT COLLECTIONS 1 : Collections date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Collections : unrecognized
Product: Vehicle loan or lease

I got an alert from XXXX XXXX today that my credit score had dropped 109 points because XXXX XXXX had reported that I was 30 days late with a payment and owed {$630.00}. They have been reporting every month that I was on time and now this. I have been paying in this loan since XXXX  and the only time I had a problem was in XXXX. My car was repossed, but I paid to get it back and have been on time since then. They only paid {$170.00} to have my car picked up and I paid them over {$500.00} to get it back, plus they were trying to collect another {$950.00} from me. Now they are claiming that in XXXX of XXXX my payment was returned and it wasn't replaced. That isn't true plus I asked them why they are waiting 27 months to report a problem. I asked them why they had not contacted me about this. I was told " we don't have to ''. I am sick of this company 's harassment and attitude. I only have XXXX payments, out of XXXX, left and they are trying to cause problems for me. I live in Social Security and can't pay more than my payment amount, pkus, they are doing this during the XXXX pandemic. They have to be stopped. I am trying desperately to keep this car, between, taxes, insurance and my payment it takes a lot of my available money.
Product: Credit reporting or other personal consumer reports

MY NAME XXXX XXXX XXXX DOB XXXX SS # XXXX XXXX XXXX Todays date XX/XX/2024 Looking my credit profile recently noticed a fraudulent credit card ACCOUNT NAME XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) I ASK FOR A VALID INVESTIGATION AND DELETION OF THIS ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL Thank you
Product: Credit reporting or other personal consumer reports

My credit was destroyed by identity theft and I have done nothing but suffer from having poor credit I have complained multiple times and disputed many accounts that were opened in my name I filed XXXX XXXX bankruptcy in XXXX and the problem im having is I never opened new accounts my info was compromised and the credit bureaus have done nothing to fix this I have not applied for no new accounts and they will not fix the issue Im tired of disputing info when they were all aware of the identity fraud this has been going on for almost 2 years and Im tired of trying to fix this I need help to correct these errors
Product: Money transfer, virtual currency, or money service

I received an ad on XXXX about automated blinds. I inquired, and XXXX XXXX XXXX called and came to quote in person. At that time the representative prepared an invoice and requested {$1600.00} as a deposit which was paid via XXXX. The remaining {$400.00} was to be paid upon completion. Initial scheduled date was XX/XX/XXXX, but nobody showed up. In the afternoon a received a call claiming the warehouse got flooded that's why they did not show. Rescheduled for Monday XX/XX/XXXX, nobody showed up and no reply to my text inquiring about it on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I attempted another contact, was told coming on XX/XX/XXXX, another no show. On XXXX attempted contact requesting a refund. The business replied that they'd drop off the check. No check was ever delivered nor electronic transfer. XX/XX/XXXX another contact was attempted with no resolution nor refund. Several other attempts were made to the business with no response. 

I bank with XXXX XXXX  XXXX who investigated the claim but were unable to resolve since the business banks with Wells Fargo. 

They go by Next day blinds and shades but the registered name of the business is XXXX XXXX XXXX. There are multiple businesses under the owners. The owner is a convicted felon and there are numerous complaints and lawsuits for theft and fraud including healthcare fraud.
Product: Debt collection

I was served by certified mail, a Court Summons by NATIONAL ACCOUNT SYSTEMS OF OMAHA LLC, assignor of XXXX XXXX, in the State of Nebraska ( XXXX XXXX ). I am a resident of California ( XXXX XXXX XXXX ). The pursuit to collect an alleged debt in the amount of {$27.00}, XXXX has not been verified by the NATIONAL ACCOUNT SYSTEMS OF OMAHA , LLC. I would like to request validation. Validation of aggregated value of account, forward floor agreements, bill of sale, original documentation etc. Also, I have filed a complaint with XXXX XXXX XXXX XXXX Attorney General 's office because NATIONAL ACCOUNT SYSYTEMS OF OMAHA LLC is in violation of consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  to the following Accounts # On XXXX 1.XXXX  XXXX XXXXXXXX XXXX # XXXX, TransUnion 2. XXXX acct # shows 2 late payments 3. XXXX XXXX shows 3 late payment 4. XXXX XXXX shows 2 late payments 5 XXXX shows 2 late payments. 
According to the the below statues my rights have been violated. Under the following : 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Each of the XXXX major credit bureaus are in direct violation of their reporting. 
I request that these be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. This information is damaging my consumer report and causing me to be denied credit. There are several addresses on my consumer report that DO NOT belong to me. I have requested that the reporting agencies remove this inaccurate information and they have failed to comply. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that 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 regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Vehicle loan or lease

Dear CFPB, I hope this message finds you well. My name is XXXX XXXX XXXX, and I am writing to formally lodge a complaint regarding the handling of a dispute I filed with Experian and to request the removal of inaccurate information from my credit report. 

The disputed account is with XXXX XXXX XXXX, listed with a balance of {$19000.00} and a date opened on XX/XX/XXXX ( Account # XXXX ). I have repeatedly informed XXXX XXXX XXXX that this debt does not belong to me and have requested the original contract with my signature for the car loan. However, they have failed to provide this documentation. 

I filed a dispute with Experian on XX/XX/XXXX, regarding this incorrect information ( Dispute Report Number : XXXX ). However, within XXXX hours, I received an email from Experian stating that the investigation had been completed. I find this timeline concerning as no thorough investigation could have been conducted in such a short period. I believe Experian did not perform a proper investigation on my behalf, as the dispute was resolved in less than XXXX hours without a full review of my case. 

As a result of this inaccurate information on my credit report, I have been unable to secure a job with XXXX XXXX, a XXXX with XXXX. This has caused significant personal and professional hardship. 

Therefore, I am requesting that Experian remove this incorrect information from my credit profile immediately. I believe that the account in question does not belong to me, and I have made this clear to both XXXX XXXX XXXX and Experian multiple times. 

Please confirm receipt of this email and inform me of the next steps in addressing my complaint. I trust Experian will take the necessary steps to rectify this situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I have attached the police report and the credit report showing the disputed the item at XXXX time and put it back on my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$1000.00} XXXX XXXX  XXXX BALANCED {$2500.00} XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Student loan

Hello, I borrowed money to fund my college and law school education ( XXXX, XXXX ). Between XXXX and present ( XXXX XXXX ), except for about 7 months, I have worked in public service. My employers have been local government departments or 501 ( c ) ( 3 ) non-profits.

Under PSLF, I am eligible for loan forgiveness. I need 120 payments to qualify. Between XX/XX/XXXX and now, the eligible period, I have made approximately 176 payments, all on time. 

I consolidated eligible loans summer XXXX. I applied for forgiveness in XX/XX/XXXX. To date, MOHELA has acknowledged that I have XXXX qualifying payments based on the employment verification forms I submitted to MOHELA. As of XX/XX/XXXX, I am still waiting for the forms to be processed to reflect a count of greater than 120 and have my loans forgiven.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX Balance : {$34000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX XXXX, 2017 Equifax security breach and my credit information has been access without my consent.
Product: Credit card

Discover promised a 10 % cashback on up to {$10000.00} worth of in store XXXX purchases. 
I made those purchases, but I am receiving a email accusing me of spending on non qualified gift cards. ( As a side note, they added that clause after the promo was out ... ) 1 Its my privacy, they have no business what I purchase2 Just because I bought expensive XXXX products, does n't mean it 's a gift card. 
I have a friend who bought a XXXX at XXXX, its a high dollar amount, so they accused him of a gift card purchase. 
Not right. Intrusion of privacy. And just bad for a credit card company who we trust with so much information, to demand even more information, and to lie about their public promos. 

I want my 10 % cashback, and I want it doubled at years end just like their promo says!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account, I never consented in this account being opened nor it being reported to and credit reporting agency. I have no knowledge of this account
Product: Credit reporting 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. I asked Experian, XXXX and XXXX to reinvestigate to accounts listed below : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Account # XXXX 4. XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't in compliance with metro 2 credit reporting.
Product: Credit card or prepaid card

I applied for a XXXX XXXX XXXX XXXX credit card via a banner ad while booking a XXXX XXXX flight. The banner advertised a {$300.00} statement credit and XXXX miles. After receiving my card, I did not see any information of this offer and called Chase to clarify. I called to clarify the terms of my minimum purchase requirements to get this statement credig. I am disappointed to learn that this is not an offer advertised that they would match. Their offer with my credit card is for XXXX miles and no statement credit.
Product: Mortgage

I was on forbearance due to sickness directly related to Covid and I was unable to work. My mortgage was sold twice while I was in the hospital. I was told I would have multiple options once I came out of forbearance. However, the new mortgage company is demanding that I pay the entirety of a little over {$14000.00} in XXXX lump sum or I would have a foreclosure. I have lived in my home for ~ 10 years. They lied about what my options are and I cant have my son and I be homeless. I have all the medical documentation showing the reason for my unemployment and why I needed forbearance.