23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have contacted GM Financial twice a week since XX/XX/XXXX pertaining to the return of an unpaid check from my credit union to purchase the vehicle. I unfortunately did not follow the stipulations of the loan, pre-approved checks can not be written to a lender. I need to purchase a vehicle and settle my account with GM Financial. I can not receive another check from my credit union until they have possession of the original check, a Legal Copy 21 of the check ( that can be retrieved from their bank, no photocopy ), or a statement from them confirming they will not try to resubmit the check. I have signed a letter of indemnity for the check on behalf of XXXX, but that is not sufficient to clear the matter. GM Financial is responding like my request is absurd. They are claiming to no longer have the check, the check was shredded, we never send return checks to customers, we are on a new system and the old system will have your request, no one has access to the old system, there is no phone number for the accounting dept., my request must be directed to their legal dept., legal dept. does not have a phone number ( fax only ). I was told to email and fax their resolution department. The resolution department emailed me requesting to call for further assistance. I called and was told the same thing again. I was told to fax their legal department. I am still waiting.
Product: Debt collection

A company unknown to me placed a medical collection on my credit report. I am not a resident in the state of the medical center. I have not traveled to the state where the medical center is located. I am employed in my state of residence and carry medical insurance through my employer. I do not have family in the state where this medical center is located. I do not suspect fraud, rather I suspect this is an administrative error where my SS # is being reported to in error. I contacted the agency on my credit bureau report. Unfortunately, they were not able to assist me as they do NOT have an account in their office with my name. I was told due to privacy laws they could not disclose information about any debt. I offered my social security number to which they advised my name is not in their system and they could not speak to me. This debt does not belong to me. Please perform a thorough investigation to determine the same.
Product: Credit reporting or other personal consumer reports

I want you to remove the unnecessary inquiry from my loan report as soon as possible. To make it easy, I have put together an article to support this complaint. Please investigate this issue as soon as possible.
Product: Checking or savings account

I was trying to use the XXXX app to withdraw some money from my next check but my PNC bank account stopped allowing access to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I would like to say there has been a violation of 15 U.S code 1681 section 602 states " I have the right to privacy '', 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. 15 U.S code 1666b states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ''. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.
Product: Credit reporting or other personal consumer reports

TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i To Whom It May Concern, I am formally disputing the following accounts listed on my credit report due to several inaccuracies. As per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. Furthermore, under 15 U.S.C. 1681i, inaccurate or unverifiable information must be corrected or deleted within 30 to 45 days of a dispute. 

The accounts I am disputing are as follows : 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 XXXXXXXX The information reported on these accounts contains several discrepancies that violate my rights under the FCRA XXXX I request that each of these accounts be verified for 100 % accuracy across all three credit reporting agencies or immediately removed from my credit report if the information can not be verified. 

If this matter is not resolved within the 30 to 45-day timeframe, I will have no choice but to proceed with legal action to seek damages of {$1000.00} per inaccuracy, as permitted under the FCRA. 

Please provide me with the results of your investigation in writing, along with an updated credit report reflecting the necessary corrections or deletions. If you require any additional information from me, please let me know immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Rented house via XXXX using Citi card. House presented numerous health and safety concerns ( DEFECTIVE SERVICE ), including descriptions that were fraudulent misrepresentations in listing ( e.g. non-smoking ). XXXX instructed us to leave the house, which we did at earliest opportunity. XXXX made multiple representations of refund and other support. Phone records and other documentation are available confirming these representations. But XXXX did not issue a full refund. Citi charge card refuses to reverse charge for this defective service/fraudulent misrepresentation, despite extensive evidence presented including phone recording and internal notes provided by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the fraudulent account XXXX Account # : XXXX as I have no knowledge of this account due to the XXXX  data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers of this information.
Product: Debt collection

My identity was stolen back in 2016 someone used my identity to seek medical attention amongst other things, I have been dealing with this for some time now I have contacted XXXX XXXX XXXX XXXX to inform them that this was not my doing, but nothing has been done about it now they have sent the debt to A collection agency ( XXXX ) I  have also contacted them to let them know that the debt id fraudulent, no one seems to care as a result this debt has been placed in collections and is reporting on my Equifax credit repot, I have also contacted Equifax and let them know the debt is fraudulent and that the two accounts should be taken from my report immediately. I have filed police reports and have any information needed to validate that fraud has taken place. The debt is stems from two accounts Account # XXXX amount XXXX and Account # XXXX amount XXXX.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and saw an auto loan and a XXXX XXXXXXXX account that isnt mine. 
This auto loan company is in Texas and I have never lived in Texas in my life. My father stays in Texas and we have the same name. 
And I can send my drivers license to confirm my address
Product: Credit reporting or other personal consumer reports

This morning, I was devastated to find erroneous entries on my credit report for no apparent reason. I followed my usual routine of checking my credit, only to encounter sudden inconsistencies. Refreshing the page didnt resolve the issue, leaving the false accounts intact. Due to this upsetting situation, I implore you to meticulously examine the documents I've provided to prevent this from happening in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening im currently being violated by Transunion! Im demanding the description of reinvestigation procedure. they have violated my rights under 15 usc 1681 1. 15 usc 1681 ( a ) ( 1 ) 2. USC 1681 ( a ) ( 2 ) 3. 15 USC 1681a ( 3 ) 4. 15 USC 1681a ( 4 ) 5. 15 USC 1681b ( 2 ) please help me make sure im getting a just and fair reinvestigation into my concerns! please remind them they have 15 days! thank you or shall permanently remove these accounts!
Product: Credit card

NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL, I HERE ON BEHLAF OF PRINCIPAL ACCEPT ALL TITTLES, EQUITY AND RIGHTS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CHASE BANK HAS DISCRIMINATED AGAINST ME BY DENYING ME A RIGHT TO CREDIT UNDER THE EQUAL CREDIT OPPORTUNITY ACT WHICH CLEARLY STATES IT SHALL BE UNLAWFUL TO DENY A CONSUMER CREDIT ON THE FACT THEY HAVE EXERCISED A RIGHT. NOTICE CONGRESS UNDER 15 USC 1602 STATES CREDIT IS A RIGHT GRANTED MEANING IT IS ALIENABLE RIGHT. NOTICE IT IS FACT I HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CHASE WHERE A FINANCE CHARGE WAS CONDUCTED AND A SECURITY WAS GIVEN TO CHASE IN EXCHANGE FOR CREDITS BEING EXTENDED BACK TO ME. NOTICE IT IS FACT CHASE HAS ACQUIRED MY ORIGINAL CREDIT CARD DEFINED UNDER 15 USC 1602 VIA A CREDIT APPLICATION AND HAD A OBLIGATION UNDER THE FEDERAL RESERVE ACT 16 TO EXCHANGED THAT INSTRUMENT VALUE FOR VALUE AND RETURN TO ME MY CREDITS. NOTICE IT IS FACT CHASE HAS ACQUIRED MY CREDIT CARD ( ssn ) AND HAS NOT EXTENDED ME MY OWN CREDITS AS THE ORIGINAL CREDITOR DEFINED UNDER 15 USC 1691a. CHASE HAS DISCRIMINATED AGAINST ME DENYING ME A RIGHT WHERE I RECEIVE NO BENEFIT WHILE OBTAINING MY CREDIT CARD NOW IN VIOLATION UNDER 15 USC 1644 AND 18 USC 242 AND 241. NOTICE IT IS FACT CHASE HAS ALSO FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND HAS FAILED TO DISCLOSE ME MY RIGHT TO RECIND MY APPLICATION 3 DAYS AFTER APPLICATION. SINCE CHASE HAS VIOLATED ME WHILE OBTAINING MY SECURITY, CHASE HAS NOW COMMITTED A VIOLATION UNDER THE SECURITY EXCHANGE ACT OF 1934 AND I WILL BE FORCED TO FILE A IRS FORM 3949a AND 211 AGAINST CITI FOR AUDIT. I HERBY EXERCISE MY RIGHT TO RECIND AND DEMAND MY ORIGINAL APPLICATION BE RETURNED AND ALL NEGATIVE REMARKS REMOVED FROM MY CREDIT REPORT IMMIDIATELY.
Product: Credit reporting or other personal consumer reports

*** THIS IS NOT A DUPLICATE COMPLAINT!!! THIS IS A DIFFERENT MATTER from XXXX!!!! 

To : Discover Financial Services-Date of inquiry : XX/XX/XXXX Attn : CFO XXXX READS WAY XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX. XXXX. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer 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 XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with Discover Financial Services. Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) with Discover Financial Services for review or collection. 

Pursuant to XXXX XXXX. XXXX ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, 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 as a result of your violation for {$1000.00} pursuant to FCRA XXXX ( a ) ( XXXX ) ( B ) [ XXXX U.S.C. XXXX ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( FCRA ). XXXX : XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I the consumer sent out a letter via USPS certified mail with tracking to EQUIFAX, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. EQUIFAX was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from EQUIFAX on XX/XX/2021. The letter that consumer XXXX XXXX XXXX has was a letter stating that EQUIFAX updated the account ( s ) and verified items belong to " YOU ''. There was two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that EQUIFAX Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts EQIFAX posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that EQUIFAX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for EQUIFAX to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. EQUIFAX failure to positively verify these correctly under the FCRA, unverified accounts must be removed/deleted and if EQUIFAX is unable to provide me a copy of verifiable proof, EQUIFAX must remove/delete the accounts XXXX XXXX and XXXX XXXX.
Product: Debt collection

This is a medical co-payment that was paid from 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a potential victim of the Equifax data breach per their website, www.equifaxsecurity2017.com. Equifax has mishandled my personal and credit information, such as my name, social security number, address, birthdate, etc., which puts me at risk for identity theft for the rest of my life as the details released are specific to me and used by every creditor to verify identity and creditworthiness.
Equifax did not act fast enough and waited multiple months to report this data breach, nor did they proactively notify impacted parties, and have stated they do not intend to notify all parties impacted. They are also attempting to capitalize on their own data breach by signing up parties impacted by their negligence up for their ID protection services.
Equifax 's terms and conditions on their ID product is also defrauding individuals by buring language in these conditions that waive the impacted party 's ability to sue Equifax in what appears to be a situation of criminal negligence and fraudulent behavior, especially as evidenced by three Equifax executives selling their stock for millions of dollars immediately after the data breach was discovered, but before it was publicly announced.
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Debt collection

In the past 8 months, my account with Home Depot Citibank has been under a fraud investigation. I am at a loss of what to do as the claim has been denied and I was assured several times by your employees that this would be resolved. 
My first notification that I had ANY balance on my card after XX/XX/XXXX was on XX/XX/XXXX, when I received a phone call stating that my account was past due. I opened the account so that I could start a new business in XX/XX/XXXX, then I put the card away because the renovation was finished around XX/XX/XXXX. The gentleman on the phone instructed me to make a credit card fraud claim so I did. I waited until XX/XX/XXXX and never knew what happened but I did start to receive statements that said I had a negative balance. Then in XX/XX/XXXX, I received a bill again for over {$8000.00} in charges. I was very confused as I thought the matter had been resolved. I believe that because I had set up automated payments from my old bank account and had opened a new bank account in XX/XX/XXXX, that I didnt see that these payments were going through. I simply left a few hundred dollars in the account just in case but I did not close this account until XX/XX/XXXX. This is why I received the call about a late payment on XX/XX/XXXX. 
I spoke with someone again from the fraud department and he asked me submit more information, which I faxed on XX/XX/XXXX. I received several phone calls trying to collect payment and was told not to make a payment if I did not make the purchases. Now I have my account over due by more than 90 days and it is showing up on my credit report. 
I did not ever file a police report because I live in XXXX and the police have better things to do although I have tried. 
On XX/XX/XXXX after sending this letter to Citibank Executive Response Unit, they confirm that indeed I did not make these charges yet they refuse to resolve this matter as fraud unless I file a police report. 

If I remember correctly, my credit limit with them was {$5000.00} and someone charged over {$8000.00}. 
They also knew during the investigation that someone else had been using my card as well as making payments and never told me that they knew that information until now. 

The communication with Citibank fraud has been awful until I starting talking with XXXX XXXX on XX/XX/XXXX. 

Every time I received a phone call about making a payment because I was late, I was advised not to make the payment unless these were my charges. So now, I am over 90 days past due and I owe a bunch of late fees as well as a dip in my credit report of over 80 points.
Product: Checking or savings account

I never asked the bank to change my address or make changes to my account, yet someone named XXXX keeps calling me from a Regions Bank location that is unknown and keeps asking for copies of bills.
Product: Credit reporting or other personal consumer reports

I received a STALL letter from Experian today XX/XX/year> citing that they received a dispute from someone other than me knowing I sent them my drivers license/ bill showing address/ XXXX from the company at large and a copy of their violations cited on my report. I only have XXXX address. My old addresses should be deleted. This is a violation of my rights per : 15 U.S. Code 16810 - Civil liability for negligent noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1691e - Civil liability They need to comply with my deletions post investigation of the XXXX immediately. The XXXX is furnished from XXXX XXXX or XXXX.