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

On XX/XX/year>, I request my free Annual Credit report at Annualcreditreport.com and provided a copy of my drivers license and proof of address. Transunion and XXXX both provided me with copies of my credit report, but XXXX has refused to provide me with a copy stating the company couldn't locate a credit file with the identification number that was provided. Initially, Transunion refused to provide me with a copy on XX/XX/year>, and accused me of using a credit repair company, although I provided a copy of my drivers license and proof of address. I will attach copies of those stall letter to this complaint. Lastly, I disputed the accounts with XXXX XXXX and XXXX XXXX. Neither collection agencies have provided me with documentation proving that they have the legal right to collect from me. I'm requesting a reinvestigation. Both creditors have violated the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax Information Services, LLC concerning their reporting of unverified, unauthorized, and inaccurate information on my credit report. While I appreciate Equifax 's cooperation in updating incorrect information such as names and addresses, I believe that Equifax is still in violation of the Fair Credit Reporting Act ( FCRA ) by reporting unverified and unauthorized information. 

My complaints against Equifax are as follows : Reporting Unverified Information : Equifax has reported information on my credit report that has not been verified by me, including accounts from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not validated or given permission for Equifax to include this information on my report. The unauthorized inclusion of such information goes against the FCRA, which stipulates that consumer reporting agencies can only report information with the consent of the consumer. 

Violation of My Right to Control My Credit Report : My rights as a consumer include having control over the information on my credit report. By including unauthorized information, Equifax is infringing on my ability to maintain accurate and truthful credit information. 

I kindly request that Equifax addresses these issues by ensuring that they only report verified and authorized information in accordance with the law. I also request that Equifax removes the unauthorized and unverified information from my credit report immediately and remains vigilant in complying with the FCRA and related consumer protection laws. 

In support of my complaint, I cite the relevant legal provisions and a court case : FCRA Section 1681b ( f ) outlines the responsibilities of consumer reporting agencies regarding the use and reporting of consumer information. 

The case of Smith v. Equifax Information Services LLC, 2017 WL 2832941 ( S.D. Fla. 2017 ), emphasizes the importance of accurate credit reporting and the responsibility of credit reporting agencies to ensure that information is both accurate and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX, we traded in a vehicle that had been financed with NC SECU. Despite that, they reported our loan as delinquent from XXXXXX/XX/XXXX, before they finally updated our account to report as closed and paid off. However, when they did close the account out, they left the delinquency listings on my credit report from XXXX, which are not accurate. As a result, my credit score is now nearly 50-60 points lower than it should be because of their error. We have asked SECU to correct this error on a number of occassions, but they continue to report that our loan was late at the end of our term, despite the fact that we were no longer in possession of the vehicle.
Product: Checking or savings account

I discovered inaccurate, misleading, or incomplete information in my Early Warning report. I have requested a copy of my XXXX report and they have failed to release this information to me. The information being reported by XXXX and Early Warning is inaccurate and misleading and because of this potential lenders were making credit decisions and their willingness to extend credit. I am asking that XXXX send me a copy of my report and any inaccurate information is removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX.
Product: Debt collection

I am a victim of identity theft.

In accordance with the FCRA, EVERYTHING to be 100 % accurate. Exeter Finance stated my accounts was properly investigated but it can not be possible if the Exeter account IS NOT MINE. The addresses and phone numbers associated with the Exeter account does not & has NEVER belonged to me.

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. I have repeatedly requested a TRANSPARENT THOROUGH INVESTIGATION along with Exeter 's METHOD OF VERIFICATION. The item in question is inaccurate and represents a very serious reporting error.

I am exercising my rights AGAIN under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, Exeter Finance should provide ALL the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable EXETER FINANCE sent a letter in response to a previous complaint with the Consumer Finance Protection Bureau # XXXX. Documents attached to the complaint included my previous adresses and other supporting documents that demonstrates that I have been a victim of identity theft multiple times in the past XXXX  years. 

The letter was dated XX/XX/2024. 
The letter states " we received subsequent correspondence from you ... .... '' and " your renewed complaint provided no new information '' - completely contradicting themselves. Which one is it??

Instead of investigating, Exeter Finance is collecting information.

Exeter Finance has NEVER provided a method of their " thorough investigation " as requested. They have willfully violated my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : 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 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX XXXX Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949XXXX : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Dear LVNV Funding LLC I am writing to formally request validation of an alleged debt listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information regarding this debt. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, please provide documentation that verifies my responsibility for this debt. 

I request that you send me copies of all relevant documents via email. Should you be unable to validate this debt within 30 days, I request that the account be removed from my credit report. 

Thank you for your prompt attention to this matter ; for verification purposes I have included a copy of my passport. 

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

In XXXX, and XX/XX/XXXX someone opened two fraudulent Credit Card accounts in my name with XXXX XXXX XXXX. In XX/XX/XXXX someone opened two fraudulent accounts with XXXX card and XXXX. I've tried disputing this matter with XXXX, XXXX and Equifax. They haven't blocked the fraudulent accounts in accordance with the FCRA Section 605B. 
1. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX 2. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 3. The following account is not mine XXXX Card Account Number : XXXX 4. The following account is not mine XXXX Card Account Number : XXXX 5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 6. The following account is not mine XXXX /XXXX /XXXX  Account Number : XXXX
Product: Credit card or prepaid card

Macy 's enrolled me in a Credit Protection program with a monthly fee of {$99.00} on XXXX XXXX, XXXX, when I applied for the card. This was done without my knowledge or known consent. There was no discussion obvious explanation of this benefit and therefore I could not agree to this additional charge. This charge has been applied to my account since this date. I am a XXXX  and would not agree to an additional XXXX XXXX  monthly charge if Macy 's had been forthcoming with this service and not sneak it in without customer knowledge. I was a regular customer of Macy 's and was aware of their high interest rate, so I did not question the monthly bill and paid the minimum amount. I became aware of this fee after carefully reviewing my statements and canceled this program on XX/XX/XXXX. I filed a complaint with Macy 's and their response is attached below. I did not use this program at all in the 12 years it has been charged to my account because I was not aware of it. So, they did not " protect '' me from anything nor was the service used or provided. Macy 's hides behind the statement that I could have just called and dropped the service withing 90 days- but I never signed up for it to begin with- they signed me up for the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current credit report from your bureau, I came across the disputed items, and I don't think they are 100 % correct. Please investigate and correct the unlawful behavior immediately. 
Below are the list of the Items : XXXX XXXX XXXX XXXX XXXXXXXX ***** Opened XX/XX/XXXX Balance {$1700.00} ) This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
( XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX {$0.00} ) Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. 
( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$3400.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

Subsequently, I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 

I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 
Requested Actions : I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. 
Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers.

Communication I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 
Compensation Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I started receiving letters in the mail in XXXX from Jefferson Capital, a debt collection agency, claiming that I owed {$1200.00} from a XXXX account. I have never had a XXXX account, so I ignored it assuming it was just a scam. I later find that this debt is showing up on my XXXXredit score. Great. 
I recently disputed the debt through XXXX, and the dispute results come back that the debt is " Verified As Accurate '' so completely useless.
Product: Credit card or prepaid card

I have an extreamely low balance with this card. Due to issue with thier website a payment was missed and the card proceeded to charge me a late fee which was nearly 50 % of the balance. I requested a waiver, the company responded with several non sensical questions about my balance and posting date when they have access to when and why the late fee was charged and there was no other charges in 2 billing cycles. I responsed to customer service with the requested information. I then made a payment minus the late fee charged. The company then charged another late fee the next billing cycle on top of the late fee already inccued. So now my balance consist entirely of late fees with no purchase balance. This is an unfair practice and keeps consumers in debt by chargeing exorbit fees on top of fee balances
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts that appear on my credit report are not mine, check them out Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
1. Identity Theft CB/ANNTYLR Account Number : XXXX This is not mine. 

2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

3. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not updated information on old auto loan debt on credit report showing up as XXXX, I no longer have the auto loan on the XXXX XXXX XXXX is full paid off to Wells Fargo bank yet it shows old debt owed. Effecting my credit when it is in fact incorrect. I opened a dispute yet the dispute was closed & claimed incorrect which is false and ignorant because no information was collected from me to confirm the car or the bank, etc. I will be filling information and complaints directly to the source if this does not get fixed immediately.
Product: Mortgage

I have been trying to refinance through XXXX Mortgage, my mortgage is with PHH. Account numberXXXX, it was originally through Ocwen. I have never been late on a payment, and I am being charged fees that I should not have to pay. We have requested a payment history from the beginning of the loan and all I get are letters stating it will take 30 more days, in the mean time I was unable to close on my new mortgage, because they are taking so long with the payment history and the lender won't accept the loan with these fees. 
I have 3 or 4 letters from PHH all saying they have 30 days to respond. They are the reason my my locked in rate will be different and will not be able to close.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX AND XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX  AND XXXX XXXX  XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Debt collection

it been 7 years now since my bankruptcy chapter XXXX. discharged. its on my pubic record showing on my 3 credit  reports. filing date XXXX. reference # XXXX. us bkpt ct fl XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I received a HELOC - Home Equity Line of Credit from TD Bank for {$41000.00}. I applied for XXXX relief to stop payments without fees and/or penalty. After the XXXX period expired I received a loan modification that reflected a balance of approximately {$47000.00} and a new interest rate of 9.5 %. I was completed taken aback by this excess fees, interest rate and penalties. I have requested that TD Bank honor the original interest rate and remove all additional, interest, fees, and penalties. It took TD bank to finally approve the loan modification after over a year of going back and forth about processes and supporting documents, in which I sent several times before TD Bank acknowledged receiving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explanation of item being disputed : XXXX XXXX XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX has listed that I am Derogatory as of XX/XX/XXXX on XXXX  YET Experian and XXXX  both show paid and current but have different close dates and years, as seen above. XXXX XXXX also failed to delete this file from my repost as agreed upon in XXXX. Being that this information provided by XXXX XXXX is inaccurate I want to request that this file be deleted for my report.