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

I am writing to inform you that I am a victim of a data breach, and as a result, the following accounts and inquiries were opened or made fraudulently in my name. I am requesting the immediate blocking and deletion of these accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$2300.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Student loan

My husband and I had a loan consolidation in XXXX. Our loan was totally XXXX with a XXXX balance by XXXX 's long term & permanent XXXX discharge in XXXX. We finalized the 3 year monitoring in XXXX. However, I was taking care of a teenager and my XXXX XXXX father at that time. My husband received a student loan bill that was transferred from XXXX to AES for {$21000.00} in XXXX. XXXX years later we didn't know loan was paid off, so my husband, ( XXXX XXXX ) and I kept paying monthly payments to AES because were receiving an automatic monthly bank drafts from our checking in XXXX for the amount of XXXX to XXXX. Our loan was a fixed rate of 4.625 % and AES change from fixed rate to a variable rate without our consent. AES continued to bill us for the same balance as the original XXXX loan borrowed in XXXX and then it was paid in full in XXXX. We continue to pay AES XXXX from XXXX to present. The loan is currently in forbearance due to not owing this XXXX and we hope this loan will be resolved as soon as possible. I have all the credit reports, bank statement payments, original consolidation from XXXX, to XXXX estimated payoff letter of XXXX, XXXX XXXX. NO PROMISSORY NOTE of either reports, both my husband and I have a XXXX balance with XXXX XXXX. We are owed approximately XXXX in OVER PAYMENTS because we had automatic draft and assumed it was not paid off in XXXX AES XXXX states we still owe XXXX + XXXX in interest with it being in XXXX months forbearance due to a variable interest rate unbeknownst to us that AES XXXX to a variable rate, owing MORE than he originally borrowed in XXXX. This entire loan including the XXXX was paid in full in from XXXX to XXXX. How in the world could my husband owe MORE THAN the original loan borrowed from XXXX XXXX, XXXX years later!!.? Please contact me ( XXXX ) XXXX or the above email address. Thank you for your time and assistance. XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing collection, unknown payment status, closed. I am unaware of collection, unknown payment status, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my credit report correctly reflects payments made on time for each month within my credit file, TransUnion continues to report a negative payment status and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative payment status and negative worst delinquency information that continue to be reported by TransUnion are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I noticed accounts from XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX were on my file. I have not extended credit to any of these places. This is identity theft. I filed a report and notified the credit bureaus and the secondary reporting agencies. From what I understand, the consumer reporting agencies and secondary agencies must remove these accounts within 4 days. It has been more than 4 business days. Also I know that no account can be put on my credit report without my written permission. I didnt give written permission. I require that these accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX Balance XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX  XXXX Balance : {$1400.00} XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX  XXXX Balance : {$6500.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

XXXX Became aware of credit card opened fraudulently in my name using a stolen social security number. XXXX Bank of America ( XXXX ) - Account closed. Told investigation would take place and I'd be contacted XXXX Called to check status, talked to XXXX and then XXXX told I would not be made aware of any resulting information from internal investigation. Asked about getting copy of fraudulent application per FCRA. Told I'd be sent paperwork to complete to request this and would need to fax/mail back. 
XXXX Called to check status. Talked to XXXX. Told that XXXX never sent me any of the paperwork but it would now be sent. 
XXXX I completed required paperwork and mailed back to Bank of America XXXX 
XXXX Called to check status. Talked to XXXX. Status still listed as Processed. She emailed the person responsible to get status. 
XXXX Called to check status. Talked to XXXX. After being on hold for most of the XXXX min call, XXXX hung up. Called back. Talked to XXXX. XXXX indicated that nothing has been done with my request since the paperwork was sent out to me in XXXX That is the last update to my case file.
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 XXXX XXXX XXXX. Act Name : XXXX Act Name : XXXX XXXX XXXX XXXX Name : Self, Act Name : XXXX XXXX, Act Name : XXXX XXXX  XXXX XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate.. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights, Inquiries : XXXX XXXX, XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX has not been able to verify this account and the credit bureaus XXXX and Transunion are refusing to remove the account from my credit report I have written them multiple times and they have not responded
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't receive credit card loans because of credit Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed off several letters disputing all of the inaccurate information that continues to be reported to my credit report and is seriously affecting my profile. I have sent dispute letters to all XXXX XXXX  and TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have yet to receive any investigation results or correspondence to show that the errors on my report have been deleted or at least a status of the reinvestigation I requested. The specific accounts in total error that I disputed and that should have been deleted from my credit reports months ago are : the 3 inaccurate late payments on XXXX XXXX XXXX XXXX. The erroneous late payments are being reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the dates are inconsistent across each credit bureau. I have requested a reinvestigation and proof of how this information was verified with the original creditor and have received no results or proof of verification. This is unacceptable. The other erroneous accounts on my reports that I disputed are with XXXXXXXX  for a {$0.00} balance, XXXX XXXX {$0.00} balance, XXXX XXXX XXXX XXXX collection with balance of {$2200.00} lease is inaccurate. XXXX collection account with a balance of {$250.00}. XXXX XXXX account reporting inaccurate and inconsistent high credit limits across each credit bureau. XXXX XXXX XXXX collection with reporting balance of {$130.00} is inaccurate. And XXXX XXXX XXXX XXXX collection showing a date of last payment as XX/XX/XXXX is also inaccurate. 

The number of errors on my report, in addition to inaccurate spellings and versions of my name, inaccurate addresses, and duplicate social security numbers on my report are outrageous. I have disputed all of this and I have high concerns of being at risk for identity theft with the credit bureaus not taking accountability for their reporting errors and deleting this misinformation as soon as possible. I have received no reinvestigation results or removals of the information listed above that is impacting my credit scores.
Product: Vehicle loan or lease

I am filing a formal complaint against Tesla XXXX for unreasonably delaying my Total Loss claim payment for over 3 months, which has caused my XXXX XXXX  lease account to go PAST DUE, negatively impacting my credit score. 

1. Insurance Information Insurance Company : Tesla XXXX XXXX XXXX XXXX CA agency license number XXXX. 

Policy Number : XXXX Claim Number : XXXX XXXX. Problem Summary Accident Date : XX/XX/XXXX Claim Filed Date : XX/XX/XXXX Tesla XXXX Declared Vehicle a Total Loss On : XX/XX/XXXX As of today, Tesla XXXX has still NOT processed my claim payment to Ally Financial. 
XXXX XXXX has marked my lease account as PAST DUE, negatively impacting my credit score.

I have contacted Tesla XXXX multiple times through phone and email, No response on Phone, Email only response one time, but they have not provided any updates or payments. Their failure to process my claim violates consumer protection laws requiring timely claim payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted company on numerous occasions as to the fact they are reporting 2 accounts to the credit bureaus when in fact I only have one account with them. This error STILL REMAINS on my Equifax report. 

This is fraud and libel as they are inflating my debt to income ration as wells affecting my overall credit profile which reflects negatively on my overall credit health. 
Additionally, they are not updating payment and balance information on the one REAL account. 

They had promised resolution 2 months ago and data was in fact remove from my XXXX  report but remains on Equifax
Product: Mortgage

This company has put a judgement on my property located at XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Judgement is XXXX XXXX COUNTY XXXX XXXX FOR XXXX. It have disputed this information for seven years now and have even put a case in with the state. Please have it removed from my file.
Product: Debt collection

I received a letter from Debt Collector Midland Credit Management , Inc several years ago and in response within 30 days requested validation of the debt. Midland Credit Management, INC has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until Midland Credit Management provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it violates the FDCPA and is time barred.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to correct my personal information on file with your company. 

Please correct my address to : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Please correct my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXXXXXX  My only employer is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S.P.S., and they are not reportable as per the FCRA, since they are inaccurate. I have sent this to XXXX, XXXX, and TransUnion several times and they are still reporting inaccurate addresses. 

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

I am submitting this complaint because I am very unhappy and disappointed and stressed. My husband and I are trying to buy a house to move our family into a nicer neighborhood and in the process of repairing my consumer report. I sent Experian an identity theft report thru the FTC and they are stating that the report I sent they can not accept because it wasnt from a law enforcement agency. I was reading some of the resources that the CFPB provides and it states that the report can be from a state, federal or law enforcement agency. So I am confused why Experian would see a reply like that when the FTC is a government or federal agency. In addition it is asking for additional information I had already provided. This is a very serious matter. I believe experian is giving me the run around in resolving this matter. I provided everything that was needed for a identity theft complaint or dispute. Identity theft can be committed by companies as well not just human beings or people like me. That is what I gathered from the reading material from the resources on the CFPB website. I have doing some study because we have to move out of the neighborhoos my family is in because it is dangerous. And EXPERIAN is making it difficult by not doing a proper investigation and prolonging the outcome by asking for things that have already been provide. Is this conduct violating some type of federal and/or state laws. This is very frustration aslo because their automated system gives me the run around when trying to speak to a live person. This is very stressful and the neighborhood is dangerous. I fear for my family safety. Isnt it a time limit to delete the information that came from the identity theft? I believe the resoures say it is 4 days from the time that EXPERIAN receive notice. The information is still on my consumer report. I need help with this because EXPERIAN is allowing this to ruin my consumer report and is trying to pray on my ignorance of the law by asking for information already provided. In addition I can not speak to a live person. I feel this is delibrate, it is unfair, and unamerican
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights . 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

This letter addresses a profoundly alarming incident that occurred on XX/XX/year>2024, at my residence, stemming from the unlawful, abusive, and violent actions of Chrysler Capital, its agents XXXX XXXX XXXX XXXX XXXX XXXX and its parent company, Santander Consumer USA, with ties to XXXX XXXX. The incident involved an unauthorized and illegal repossession, which escalated into criminal trespass, property damage, and physical assault. Specifically, the tow truck driver struck the corner of my home with the vehicles towing device while maneuvering, causing structural damage to the bottom corner of the house. Additionally, the driver damaged my driveway gate, breaking the hinges due to the tight clearance between the house and the fence. These damages are substantiated by the attached photographic evidence. When I confronted the individual, he continued to ignore my requests for identification and purpose. After sitting in the driver 's seat of my vehicle, he began using threatening language, yelling obscenities at me. As I stood in front of my vehicle, he discharged pepper spray directly into my face and tasered my leg, causing extreme pain and disorientation. My son, who had followed me outside, witnessed this traumatic event and began to scream. This entire ordeal was observed by neighbors and family members, who attempted to intervene on my behalf. Police arrived shortly after i called them, but the tow company ultimately removed my vehicle from my property without my consent. And I had to spend the night in jail also, the hospital and got fingerprinted for the first time because the tow truck driver lied and told the police I assaulted him so he could take my vehicle.