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

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
NATIONAL AUTO LENDER Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
3. Please provide a complete account history, including any charges added for collection activity. 


You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

A personal loan account ending XXXX, is reporting inaccurately on my credit report and i will like to request for all account level documentation, including the payment history, balance. agreement and every information regarding this account on my credit report. 
I have notified the credit reporting agencies and the account came back verified. This account was not properly reinvestigated and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reports on all my credit reports derogatory and invalid information for years Ive disputed this and asked for validation of debt and none ever provided by XXXX XXXX, Equifax and XXXX. Credit agency keeps saying it meets fcra requirements but will not provide me any judgements, bills, or documents proving this debt belongs to me. I am going to obviously seek legal council and seek damages.
Product: Credit card

I have XXXX AMEX credit cards. I tried to use XXXX on the XXXX of XX/XX/year>, however it was declined. I wanted to use this card to buy food before the upcoming winter weather in XXXX. 

The reason the card was declined was that on XXXX card - as direct debit was trying to be pulled on the XXXX of XXXX ( payment due date is XXXX of XXXX ) - so 10 days before the card was due- and the money from the savings account had not yet transferred to my checking. 

In addition - AMEX charged me {$29.00} for a " return payment fee '' - which I find ridiculous - as my card had to be paid on the XXXX and NOT on the XXXX. 

However, what they did then was beyond belief. They LOCKED my credit cards without telling me- and whilst the money was sent to them on the XXXX of XXXX ( and according to their information received on the XXXX of XXXX )- they did not lift the lock until I called today on the XXXX of XXXX. 

Given, my card was ALWAYS ( and still is ) in good standing, they got the money XX/XX/XXXXdays ahead of the payment due date - locking my card and preventing me to buy groceries in preparation of the winter storm is an outstanding insult- in addition to charging me a {$29.00} " return payment fee '' - when they in fact received the funds way before the due date. 

The amount of pain and emotional issues AMEX caused for no reason in unbelievable- and I therefore wanted to report this. 

NOTE - the card has been paid in full before the due date ; they locked ALL my cards and did not even unlock them once they had the funds. They took another XXXX  days AND a phone call!!! And they charged me {$29.00}! That is not how anyone should be treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit control corporation on my credit reports with several accounts With balances and its fraud I never opened these accounts .. I have contacted the company to send documents to prove it was me and to let them know this was not me and not anything was resolved.. I gave 2 accounts with XXXX balance and another with XXXX balance another for XXXX .. I need them accounts removed due to fruad
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2024 XXXX Credit Bureau. XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : 1.Credit Collections ( Original Creditor : XXXX XXXX CO ) Account # : XXXX Amount {$440.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ list any relevant documents you are including ]. 
Please ensure that these documents are taken into account during your investigation.

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Product: Debt collection

TransUnion Consumer Relations XXXX. XXXX XXXX, XXXX, PA XXXX I have contacted Transunion several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now : Alleged creditor reporting item : XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged creditor reporting item : XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX of XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, FL XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, FL XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX of XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX *Inquiry from XX/XX/XXXX *Alleged Account at issue : Reference Number XXXX Date Filed Reported on XX/XX/XXXX Classification Bankruptcy Responsibility Individual U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

BK OF AMER XXXX How can this be true when all the remarks are OK then the status is Charged-Off? This is inaccurate. Please delete this.
Product: Credit reporting or other personal consumer reports

Per cfpb complaint XXXX The account that was transferred from Marcus Goldman to XXXX XXXX XXXX XXXX was only temporarily updated as closed on XX/XX/2024 but was recently reopened on XX/XX/. I've filed XXXX disputes with XXXX, XXXX complaints with cfpb ; I've spoken to multiple XXXX and Goldman Sachs employees, including XXXX in XXXX 's credit dept, and have been told by everyone that this account will be updated and properly closed. To date, XX/XX/2024 the account is open and reporting a balance of over {$11000.00} which is NOT correct. I've been paying XXXX  monthly payments of {$390.00} but they have allowed both the Marcus Goldman and XXXX accounts to both report high balances on my XXXX credit report. As a consumer who pays my bills on time, this is affecting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX are deceitful liars. They said that they contacted the insurance company and that the insurance company said I did not have insurance that information is a total lie. I am submitting proof that the insurance company tried to get the bill of sale I also attempted to get the bill of sale for the insurance claim but XXXX never provided it. I tried numerous times to get this information from them so I could give it to the insurance company even though they were listed as the lien holder and they could have got it from the insurance company directly. This was not my responsibility. I recently disputed this with CFPB and the case was closed I have new information so please reopen it and reverse the decision.
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 XXXX # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/20 I used my kohls charge card to buy XXXX gifts for my son who is only home until XX/XX/20 for XXXX as he plays out of state hockey in Pennsylvania. On XX/XX/20 the label was created at XXXX and tracking number was supplied for XXXX ( attached is the order number tracking number ) and the last photo is of the label creation on XX/XX/20. Today is XX/XX/20 and this order has not moved at all. Hence I have contacted Kohls 6 times snd only told wAit wait wait.. nothing we can do. XX/XX/20 XXXX MT I called again only to be told a supervisor would call me back which of course never happened. So far I gave talked to two women, XXXX XXXX, XXXX, XXXX, and another man yesterday on XX/XX/XXXX. My order will NOT be here by date promised XX/XX/20. Its terrible Ive talked to so many people including supervisors and nobody cares nobody is doing anything to get this label moving through the shipping system. I spent {$55.00} plus shipping and handling to not be able to hive my son his gifts before he leaves!!!! Ive talked to many many people and when I called and told them Im wanting to talk to corporate offices of kohls thats when I was told Supervsor will call me back and of course did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas both agree this dispute is resolved and I don't owe anything, yet it still appears on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was the victim of a gunpoint robbery and was forced to give up my phone. 
My cash app account was then compromised and numerous attempts by the criminal to withdraw funds were made and some some were successful. {$580.00} was fraudulently withdrawn and upon discovery I immediately contacted cash app " support ''. 
They proceeded to blame me for being a victim of crime and decided to deny my refund claim. Cash app continues to make money per transaction ; fraudulent or not so they dont care about the end user or consumer. They need to be investigated immediately. 
In effect all of us who experienced similar issues are inadvertently helping them get unfairly enriched at our and my unfortunate expense. This is far from an isolated issue as cash apps business practices and lack of actual support resolutions makes cash app users a lucrative target for criminals who knowingly understand Cash apps consistent willful blind eye to fraudulent and criminal transactions.
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with TransUnion on XX/XX/19. XXXX received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, FNB OMAHA XXXX XXXX Opened XX/XX/2017 Balance {$3500.00}
Product: Vehicle loan or lease

We leased a new XXXX XXXX in XXXX of XXXX ( XXXX model year ) through KMF ( Hyundai Motor Finance/Kia Motor Finance same company I think ) lease ended 38 months later in XXXX. Upon lease end we sent in remaining balance to purchase the car outright off lease as well as odometer disclosure to KMF. KMF cashed the check. We were under the assumption that we had the title in hand up until XX/XX/XXXX when we started thinking of selling the vehicle that we owned outright. Upon looking for the title we found we only had a copy of the title in our file. I first contacted the DMV in Wisconsin as I assumed we must have lost the original. The DMV informed me their was still an KMF lien/name on my title and they could not get me a duplicate. ( XX/XX/XXXX ) Same day called KMF and they said, yes we actually have your title but you never sent us an odometer disclosure. ( untrue, and even so don't you think they would call us since they had no problem cashing the check ) So we jumped through all the hoops to send in another odometer disclosure and waited a week. Called several times and they say they never received it. Then literally while I was on the phone calling days later the agent showed that they had received it by some miracle just as I was talking with them. Said it would take a few days to process and release the title. Waited a week and called again. They claimed it was still processing and to try again a week later. Called on XX/XX/XXXX and they said they just released it and mailed it and to give it 7 days or so since it mailed from Georgia ( no tracking of course ). They also repeated the address that they sent it to and it was correct. Called again XX/XX/XXXX and they said again that it was mailed out and there was nothing they could do. No tracking, no nothing but they could escalate my claim via an email to their title department. ( they have done this several times already ) So that has prompted me to go online and see if anyone else has had this problem. To my astonishment their are pages of claims that KMF has done this to them. Some people waiting months to get titles ( and dealing with the same smug scripted responses from the KMF call center people with no way to get anything accomplished except " we will send an email '' ) As of today XX/XX/XXXX I still don't have a title for my vehicle we paid them for almost 4 years ago. This has gotten ridiculous and now after reading the dozens of people having the same problem during the same time period I see that I will have to resort to some other way of getting what is mine in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Company Afni states I owe an alleged debt to XXXX XXXX XXXX for services I do not owe and remember getting. The company must validate the debt and attached is a letter for validation request. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practice Act ( FCDPA ) company has 30 days to validate debt. I believe this alleged debt has been sold at least one time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602A, states I have the right to privacy.

15 USC 1681 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax did not complete the investigation within the XXXX days allotted and still refuses to remove the accounts XXXX XXXX XXXX XXXX XXXX XXXX from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed a collection account on my credit and that it indicated the account was opened in XXXX of XXXX. It indicated the collection was for a balance due for car insurance via XXXX XXXX I have been insured by XXXX insurance company since XXXX when I moved to XXXX. My previous insurance company was XXXX and before that I had XXXX. Therefore it is impossible for me to have opened any account with XXXX XXXXXXXX  in XXXX It has been well over 5+ years since I had insurance via XXXX XXXXXXXX  and when I canceled the insurance and went with a different carrier, there was no balance. I requested all credit reporting agencies remove this and that request was denied. This account balance, opened date, all incorrect.
Product: Debt collection

COLLECTION NOTICE FROM : A.R.M. Solutions for the amount of {$28.00}. 

This was regarding a newspaper subscription from the XXXX XXXX newspaper that was ORIGINALLY subscribed through XXXX XXXX REWARDS program at the beginning of XXXX of XXXX for 1 YEAR ONLY. I was NEVER given any type of notice that if I didn't personally contact the XXXX XXXX after the 1 year expired, that i would be AUTOMATICALLY re -subscribed. i assumed that after the subscription ended, that i would not have to do anything if i didn't want to " RE-UP ''. I contacted the collection agency by phone on XX/XX/XXXX at Approximately XXXX Pacific time and spoke with a representative from A.R.M. and he told me that if i was to pay the {$28.00} now, that they could contact the XXXXXXXX XXXX and see if anything could be done.. 
He said that the XXXX XXXX already paid them, so why would you think they pursue this matter any further???? Sounds fishy to me!!!!