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

I moved from a house where I lived on XX/XX/year>. On XX/XX/year> I paid my last bill to the utility, XXXX. My service was turned off on the XXXX of XXXX. I was told I had paid the balance owed. It was not until XXXX, 2024 when XXXX at LJ Ross called me and stated that I owed a bill. I said that I did not owe the bill. XXXX suggested I call XXXX. I called XXXX at XXXX 's suggestion and told a representative at XXXX that I had paid my final bill on XXXX. I specifically said to the XXXX representative I did not owe the bill because I was told by XXXX that the XXXX bill would be my final bill. It was not until I received the call from LJ Ross that I was I told I had an outstanding bill. I then asked to speak with the credit department at XXXX and was told that they do not have a credit department. I spoke with a supervisor - XXXX - XXXX XXXX and she said that the XXXX representative should have been better trained about stating that I had paid the final bill. She said that she could not and XXXX could not do anything about the attempt of LJ Ross to collect the debt for XXXX because the collection matter was sent to LJ Ross. She did not offer to do any investigation. I see that the debt now appears as a collection on my credit reports. I have never received a bill from XXXX after I paid the final bill so I have no knowledge of what that bill is for. I was not requesting a transfer of service, I terminated service on XX/XX/year> and have no need for utility service with XXXX. XXXX at XXXX told me that they tried to reach out to me and had no further address for me but because I was terminating service, there was no need for me to provide an address.
Product: Debt collection

During the first of XXXX XXXX  we tried to buy a car to replace the one we lost in hurricane Ian. The dealership informed us that due to my poor credit score we could not borrow the money. My credit score has been consistently in the 800+ range so this was a shock to me. I found out that in XXXX of XXXX someone borrowed money from Affirm and bought five airline tickets from XXXX and flew five people between XXXX and XXXX, XXXX. The amount they borrowed in my name was {$690.00} from what I can gather. One of the people listed on the itinerary used my name. We did not have any knowledge of this. XXXX said an email was sent to me but I do not have any record of receiving one. I contacted Afirm and explained this. They said they would investigate it. Affirm latter told me that they investigated and that they believe that I did it. 

This is impossible due to the fact that my wife and I were in the United States at this time. In the end of XXXX XXXX  my wife and I drove to Florida to deal with the house we lost during hurricane Ian. We arrived in Florida during the first week of XXXX and remained their until we drove back to Michigan at the end of XX/XX/. I have phone records from XXXX verifying this. I also have witnesses that can verify this also. 

I have made several calls to Affirm to get this resolved. Most of the time I am unable to understand what they are saying due to their strong accent. I keep getting told it will be taken care of but nothing has. Affirm as now turned this over to a collection agency called XXXX. I need someone that can help me get this resolved please. I have been told that this will negatively affect my credit for seven years. Please advise me on what I should do.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

We have contacted SPS and tried to work out something on out loan and they are not willing to help us. We feel that that they are using predatory lending practices to try to force us out of our home. 

On XX/XX/XXXX, I was laid off and reached out to them to get help under their unemployment plan that they offer. They denied us and sent us a repayment plan instead. It was for {$3100.00}. 

Also, they sent us a foreclosure notice and referred us to an attorney. I thought under the new stimulus package that President5 Biden signed, that all foreclosures were stopped until XX/XX/XXXX. They are violating this that was enacted by our president. I called them about this and they offered no answer or even discussed this. 

I had also asked about a forbearance plan and they denied this as well. 

We also asked about a new loan modification and they denied this as well. 

We sent them a payment on XX/XX/XXXX and they sent it back to us. 

We are trying to get this settled. 

We have not contacted an attorney yet. I wanted to see if there was one that was recommended. 

No matter what we do, they are denying everything and we feel we need some help as well as maybe an attorney.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Account Number : XXXX VIN Number : XXXX I am filing a complaint against American Honda Finance Corporation and Honda Financial Services due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX and XXXX. Honda stated that they would allow me to defer payments due to the nationwide crisis during that time ( COVID XXXX ), and promised to continue reporting my account as current to the consumer reporting agencies ( CRAs ), however, Honda reported my account as delinquent during the deferral period which is in violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of 2010 ( CFPA ). These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith p
ursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Ford Motor credit and have sent them documentation to show that I was not the one that opened this account. They have refused to assist me and getting this matter resolved. Ive sent them all documents that they requested. I even called and was told that a letter was sent to me requesting additional information but they sent it to the fraud address.
Product: Credit reporting or other personal consumer reports

*Company name CITI CARDS CBNA did a soft pull on my credit report on XXXX I did not initiate any transaction or relationship with CITI CARDS CBNA that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. CITI CARDS CBNA willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. 

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Product: Debt collection

I received a letter from Portfolio Recovery Associates LLC today on XXXX XXXX XXXX about a debt they purchased in XXXX. I paid the amount owed back in XXXX to clear the debt. The other problem is that had I not paid the debt is that the statute of limitations ran out in XXXX. 
They state in the letter " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency. '' If I receive another letter from them can I take them to court?
Product: Credit reporting

In XXXX I called and canceled an internet account with XXXX. Later in XXXX, during a military background check for security clearance, I was made aware that I had an adverse account with XXXX on my credit report. I called XXXX immediately and was told I never paid a " final bill '' after the account closure, and I explained I was never made aware of a final bill ; during the account closure, the agent on the phone did not say I had a final bill, I never got a mail letter, an e-mail, or a phone call, but that I was willing to pay it off, it was only {$120.00}. The agent said the adverse account would be removed from my credit report. 
In XXXX as I 'm trying to purchase a home through XXXX, I was informed that the same adverse account was still on all XXXX credit agencies, so instead of calling XXXX this time, I called the agencies and disputed the item ; the item was deleted from XXXX and XXXX, however, upon investigation from Transunion, XXXX denied to have the item removed, so I was told by the reporting agency to call XXXX myself and dispute it directly with them. 
After weeks of trying to reach someone that could help me with the issue, I was told that they ( XXXX XXXX have nothing to do with it and that TransUnion never contacted them, but even if they ( TransUnion ) did, XXXX can do nothing about it, which contradicts what I was informed by the TransUnion personnel who assisted me with the investigation. 
This negative item is on my credit report, and I had nothing to do with it considering XXXX made a mistake by not informing/contacting me of a final bill of only {$120.00}. It has been hurting my credit score and for that reason I am not being able to use my Veteran 's benefits to purchase a home. 
TransUnion had me contacting XXXX and XXXX do n't want to have anything to do with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  XX/XX/2021, the credit inquiries are all fraudulent, unauthorized, and not my credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease & Desist : Selling my Personal consumer information to a Debt collector without my written permission is violation of my rights. Please clear my consumer file due inaccuracies on my report that have no been verified. Also provide me with free report. 
In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 
This complaint is due to the XXXX XXXX XXXX with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of XXXX XXXX XXXX ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned XXXX XXXX XXXX XXXX without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. 
Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After carefully examining my consumer report, I noticed a credit card account that I did not apply for. It is completely fraudulent. I believe my identity was stolen in a data breach. My consumer reports dates this account back to XXXX of XXXX. The data happened in XXXX. 
Capital One.
Product: Debt collection

XXXX XXXX XXXX are collecting an alleged debt for Capital One Bank and continue to contact me at my place of employment ( also a law office ), leaving recorded messages, voice mails on my employer 's phone and it is an automated call. I have written, faxed and e-mailed XXXX XXXX, provided them videos of the recorded calls and voice mails, and photographs of the caller I.D . at the law office where I work together with an Exhibit listing the dates and times of the ongoing calls and they still will not discontinue the calls. I have been verbally warned by my employer not to continue receiving " personal '' calls at the office and am in fear of losing my job!! 

Because I can not seem to get anywhere with XXXX XXXX directly, this is my next line of action. 

I have also provided XXXX XXXX with an Affidavit showing that the Capital One card for which they are trying to collect was never in my possession and was likely stolen along with my vehicle a couple of years ago as that was around the same time that whoever stole the car also started using the credit card. I have disputed owing the debt but doing so is like talking to a brick wall. They do not seem to " follow the rules '' when it comes to debt collection practices.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it I found a few items on the report that are inaccurate. The accounts in question are listed below XXXX XXXX XXXX XXXX XXXX XXXX  Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Payday loan, title loan, or personal loan

XX/XX/2023 {>= $1,000,000} received adverse action letter. i responded back in red ink. i also noted to them that my application was a security collateral / interest from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have the right to credit. This is my security collateral i want to utilize. 
If i cant use my security this is security fraud. if i am declined where is my security interest? 
If i continuously declined i am suppose to get line of credit for the amount applied. 
I do not accept this offer. 

I responded with affidavit fact stating that they failed to follow federal laws .Their policy states they participate in federal equal credit opportunity act. They havent provided enough evidence on their decision. This is discrimination. I have the capacity to enter into a binding contract. i also stated that my application was rejected by either a general manger or system they have in place and that i demand a manual review or evidence that they have the authority according to Federal Laws and Regulations to deny me the right to credit or extend credit. The applications ask me question about my employment, my age ( DOB ), race, etc .... i have my rights according to Consumer Credit Act that prohibits creditors from denying any right, benefit, or privilege. I also told them don not ignore this notice they have 5 days to respond back certified mail if they do not respond their silence is validation the claim of discrimination against me Done in Good Faith ucc1-308 without prejudice all rights reserved by : XXXX, XXXX for XXXX XXXX XXXX ( without recourse ) they responded that they would continue with their decision of denying me an extension of my credit. 


XXXX
Product: Checking or savings account

Unauthorized charge on my account for XXXX on XX/XX/year>. Spoke to my bank to dispute it and after presenting documentation they explained to me on XX/XX/year> that they understand I was not the one who made the charge but they could not refund me for it and theres nothing I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX am XXXX XXXX account was open fraudulently. I am not aware of this account and it now has an outstanding balance of {$560.00}. It has effected me with an derogatory mark on my credit report. I reached out to XXXX XXXX and they can not locate the account and is forwarded over to a collection company I C SYSTEM on XX/XX/XXXX.
Product: Mortgage

This is the third or fourth time they are saying that I didn't purchase a XXXX  insurance although I did that two months ago. On top of that they are trying to sell me their own XXXX  insurance coverage. My repeated complaints and contacts are falling in XXXX  ear.
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Accounts Due to Identity Theft and XXXX XXXX  Dear Experian, I am writing to formally dispute several accounts on my credit report that I did not open or authorize. As a victim of XXXX XXXX my identity was compromised, and these accounts were fraudulently opened by my XXXX. Under the Fair Credit Reporting Act ( FCRA ), particularly sections XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX, I am requesting the immediate removal of these accounts from my credit report. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX  XXXX Account number : XXXX XXXX. XXXX XXXXXXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account number : XXXX Section XXXX of the FCRA allows for the blocking of information resulting from identity theft, and section XXXX provides the right to dispute inaccurate information. Additionally, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX of information resulting from identity XXXXXXXX XXXX ( a ) Block XXXX  Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of XXXX ( XXXX ) appropriate proof of the identity of the consumer XXXX XXXX ( XXXX ) a copy of an identity theft report XXXX XXXX ( XXXX ) the identification of such information by the consumer ; and XXXX  ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I request that my credit report reflect only my current legal name and address : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX SSN : XXXX XXXX This name and address have been legally changed and approved by the courts for my safety. Please remove all other names, addresses, and phone numbers that were used by my XXXX. 

I have attached supporting documentation to verify my claims, including a copy of the court order for my name change and any other relevant documents. 

Please conduct a thorough investigation of these accounts, and I request that you send me written confirmation of your findings and the actions taken. 

Thank you for your prompt attention to this matter. I look forward to your swift response so that I can begin to rebuild my credit and life. 

Sincerely, XXXX XXXX