23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

This is update on my ongoing /pending complaint on XX/XX/2021 at XXXXXXXX XXXX - I received a voice message from Ally Executive Customer Relation DeptXXXX  XXXX stating to return her call at XXXX. Call back at XXXX & specifically ask for her. Rep will IM or email to her. 
XX/XX/2021 at XXXX I attempted to return her call and informed Rep about the message left. Spoke with XXXX # XXXX MsXXXX XXXX she transferred to me Different dept. Spoke with XXXX XXXX # DMQ- She transferred to me again & then got disconnected. In otherward, I have not been able to speak with the person who called me.
Product: Debt collection

Credit Acceptance Corp. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am filing a formal dispute regarding inaccurate information reported on my credit file concerning late payments for account # XXXX. Despite multiple attempts to resolve this issue ( letters sent on XX/XX/XXXX and XX/XX/XXXX ), no corrective action has been taken. 
The reported XXXX late payment for XX/XX/XXXX is inaccurate. I have verified with my records and provided supporting evidence showing payments were made on time, and yet this error persists. 
Details of the Account : Account Number : XXXX High Balance : {$420.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Credit XXXX XXXX {$3500.00} FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are obligated to ensure the accuracy of information. This has not been upheld. Additionally, 15 U.S. Code 1666b requires creditors to send statements at least 21 days prior to the due date, which has been violated as evidenced by the late reporting. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The incorrect reporting of a late payment has harmed my creditworthiness and caused undue stress. 
Desired Resolution : Immediate removal of the inaccurate XXXX late payment notation for XX/XX/XXXX. 
Written confirmation of the correction within XXXX business days. 
Please consider this letter as formal notice under the FCRA and provide the requested corrections promptly. If this issue remains unresolved, I am prepared to escalate the matter, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute several violations of consumer protection laws, as well as to share a deeply personal story that underscores the emotional and practical impact these violations have had on my life. I trust that the Consumer Financial Protection Bureau ( CFPB ) will take this matter seriously and enforce the necessary legal actions to rectify these issues.

As a diligent and responsible consumer, I have taken great care to maintain accurate and truthful financial records. However, I have encountered numerous discrepancies on my credit report that are not only in violation of federal laws but have also adversely affected my financial stability and overall well-being. 

Violations : Inaccurate Personal Information : PREVIOUS ADDRESS : XXXXXXXX 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 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 Personal Story : The inaccurate XXXX on my credit report has caused me profound distress and financial hardships. This situation has affected my ability to secure favorable interest rates on loans, obtain housing, and even pursue job opportunities. One particularly distressing incident involved my inability to secure a mortgage for a home my family had been dreaming of. Due to the erroneous data on my credit report, we lost out on a chance to provide stability and security for our children. This emotional turmoil has taken a toll on my mental well-being and has strained my relationships as well.

Request : I urge the CFPB to enforce the relevant consumer protection laws and ensure that my rights are upheld. In light of the violations mentioned above, I request that the creditors immediately remove the unverified accounts from my credit report and provide written confirmation of their compliance within 30 days of receiving this letter. Additionally, I request a free copy of my updated credit report once the corrections are made.

I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at [ Your Email Address ] or [ Your Phone Number ] if you require any further information or documentation to proceed with this dispute. 

Thank you for your prompt assistance in resolving this distressing situation. 

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

To whom it may concer this letter is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do.the following accounts on my credit report which are reporting illegal. 
XXXX XXXX XXXX account # XXXX latepayment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXXlate Payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment.
Product: Credit reporting, credit repair services, 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. 

Account name : ( XXXX ) # XXXX, Account name : ( XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ) # XXXX, Account name : ( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) # XXXX, Account name : ( XXXX XXXX XXXX XXXX ) # XXXX, Account name : ( XXXX  ) # XXXX, Account name : ( XXXX ) # XXXX, Account name : ( XXXX ) # XXXX has violated my rights XXXX 

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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights : XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/2019 15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I contacted the company twice and requested validation of this debt along with several other items that can provide me proof that this debt owed is mine. I've yet to get a response from this company and it's been well past 30 days.
Product: Student loan

The U.S. Department of Education is reporting several accounts amongst various credit reporting agencies that are having a negative effect upon my credit score. I have knowledge that the alleged debt was already settled and/or paid-in-full at the time the respective promissory note was signed. In addition to being the only party that did not provide value and consideration, the U.S. Department of Education, committed fraud by failing to disclose that the aforementioned promissory note that the U.S. Department of Education received for deposit a sum of money. The U.S. Department of Education also failed to disclose the bookkeeping records and/or ledger that demonstrates that they took something of value from their assets to conduct the transaction as an even exchange. 

I have reached out to U.S. Department of Education several times previously for debt validation as documented in the following Case Law studies ; -XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX P. XXXX XXXX ( XXXX ) XXXX  XXXXXXXX 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 the Federal Rules of Evidence, Rule 1002 ; an original document/writing/recording is required to prove it's content.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Dept Of EdXXXX XXXX XXXX XXXX XXXX Dept Of Ed/XXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX Dept Of Ed/XXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/
Product: Checking or savings account

I recieved a letter from JP Morgan Chase about a pension I have with them. In order to withdraw funds, which I need during hardship caused by COVID-19, the letter instructs I must call HR or login using my Chase employee ID and password. I have not worked at Chase for over 3 years, therefore I am locked out of their system. When I called the HR number provided it says they are closed and only respond via email. Their response via email was to login with my Chase ID, which I already advised in my email I do not have access to. I was then instructed to call the help desk to see if they are able to unlock my account. I was on hold for 7 hours and then the call disconnected. I have called department after department and I am advised the same thing, I must call HR to access my pension. However, HR is closed and is not responding to my email. I need to withdraw money from my pension but have no way to access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXBalance : {$11000.00} XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information with MID MICH and XXXX for 3 months regarding accounts that are not mine. 

Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXXXXXX XXXX Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B says we have to get rid of incorrect accounts from my credit report. Can you see if the papers say this? Some accounts listed are wrong about things like the amounts and dates.
Product: Credit reporting or other personal consumer reports

loan was sold then JPMCB HL says balloon payment on credit report Account number XXXX Account type Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Open. Balloon payment of {$20.00}, XXXX due XXXX XXXX then i got this and don't no why because i never ask JPMCB XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called for my XXXX XXXX XXXX credit card for adding my spouse as authorized user. I also asked them to increase my credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my spouse 's credit profile or SSN? 
Called XXXX XXXX today morning. When wanted to talk to the supervisor, the call was deliberately dropped.
Product: Checking or savings account

On XX/XX/XXXX, I started a dispute on a payment in my Sofi checking account. The details of the payment are : Merchant Name : XXXX XXXX Transaction Date : XX/XX/XXXX Total Amount : {$4300.00} Disputed Amount : {$4300.00} Claim Date : XX/XX/XXXX The dispute was regarding a coffee machine that I had returned as I had some issues with it. The payment was processed through XXXX, which had set up the return process. I noted to Sofi that XXXX was unable to find a resolution to the issue and that I had not received the refund for the item. I provided Sofi with the initial order information, XXXX claim information, the XXXX return label from XXXX XXXX XXXX XXXX XXXXXXXX dropoff receipt, and the proof of delivery of the coffee machine by XXXX to XXXX XXXX XXXX. XXXX months later, Sofi took until XX/XX/XXXX to tell me that " no error has occurred, and as a result, your claim has been denied ''. They took no action with XXXX to locate the package and did not provide me with any further information when I reached out.
Product: Vehicle loan or lease

I asked for a deferred payment, they allowed me to defer XXXX payments.I explained I was having financial Hardship due to XXXX  issues and they werent very helpful. I also asked to have my contract sent over to me so i can see what other options i had, and still havent received any contract. Talked to few people and they said for me to compare contracts because of dealerships are being called out for fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus and have explained to them numerous of times that I am a victim of identity theft. I supposed to have a fraud protection on my account but someone is still trying to use my Information and has gotten credit cards and revolving credit in my name. I never opened a kikoff account on XXXX XXXX or XXXX XXXX, I never opened a self account on XXXX XXXX, I never went to the hospital on XXXX XXXX or XXXX XXXX. I have health insurance that pays for my bills. I also did not authorized these inquires : XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I went through XXXX XXXX to see about refinancing my auto loan. When I asked to see what kind of loan I might be able to get I was contacted by several agencies. I ended up speaking with the first one that contacted me and they advised me they would do a soft credit inquiry. I agreed to it, however, I got a hit on my XXXX  Credit report from a company I hadn't even spoken with. They pulled my credit report which lowered my score without my consent. Below is their information. 

Alert Date XX/XX/2019 Source XXXX  Company RATEGENIUS/XXXX XXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX I didn't give consent to have my credit pulled and after speaking with XXXX XXXX they agreed that this wasn't a practice that they approved of and opened a Complaint Case : XXXX Against them. I was told by XXXX  that I needed to call the RateGenius back and ask them to remove the inquiry, however they claim that XXXX XXXX allows them to pull people 's credit. Even if that's the case they refused to call XXXX  to remove the inquiry after I made it clear that I wasn't going to business with them.