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

I have a debt originally from XXXX from XXXX that is currently being reporting as the date of delinquency XX/XX/XXXX. The collection has been resold a few times and this creditor just put the date the last creditor bought the debt on as the date of delinquency, illegally reaging the debt. I have disputed it to the credit bureaus with them just returning the same information and XXXX and XXXX just saying its valid. I would like it removed from both credit reports.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am reaching out to express deep concern about a significant error that XXXX XXXX  has reported on my credit report. This error pertains to a 30-day late payment from XX/XX/XXXX, which is not due to any oversight on my part, but rather a XXXXXXXX XXXX Error . Reference number pertaining to the error was provided ( # XXXX ) to XXXXXXXX XXXX however I feel an investigation was not even done. The email was sent XX/XX/XXXX in the evening while XXXX XXXX  was closed, and I received a denial XX/XX/XXXX XXXX. I do not feel this was sufficient time for XXXXXXXX XXXX to honestly review my issue pertaining to the XXXX XXXX  reference number provided. I feel that I received a generic denial response to my dispute. This error is causing substantial disruption as it is preventing the approval of my necessary SBA loan. I plan to use this loan to open a primary care provider office, and this unwarranted negative mark on my credit report is causing considerable delays in this process. Despite previous attempt to correct this issue with XXXXXXXX XXXX, the problem remains unresolved. Given the urgency of the situation and the potential impact on my business plans, I am compelled to ask for your assistance. According to the guidelines provided by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), I am officially disputing this inaccurate information. I kindly request its immediate correction or removal from my credit report. I am confident that you will handle this matter with the urgency it warrants and I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
Product: Debt collection

Was a subject of identity theft in XXXX Credit report has a debt of XXXX from quality recovery service I had reported my identity stolen in XXXX hey
Product: Credit reporting or other personal consumer reports

I am having problems trying to sign onto my established account at TransUnion. And the customer service ( telephone ) is problematic - It asks too much personal information, and it is serviced by people outside of the United States of America - such as XXXX XXXX. This is dangerous. 

I want my information immediately removed from their records. I am also following up with my representatives.
Product: Vehicle loan or lease

My husband and I purchased a XXXX XXXX XXXX on XXXX XXXX,2015. After a closer review of our documents we have determined that we was charged for Vehicle Service Contract. We have a copy of the contract with our loan documents but we did not sign this contract and it was added in with our loan with Well Fargo Dealer Services. The total amount added to our contract was {$3300.00}. We never agreed to this service, and feel like the loan company was deceitful in adding it to our loan.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXXXX/XX/XXXX XXXX on my transunion report. I sent a validation letter and didnt getting anything confirming that it was me. I would like this account deleted. It does against the FCRA because they didnt verify the debt. I will attach what was send for validation.
Product: Credit reporting or other personal consumer reports

Hello, I DIsputed fraudulent inquiries with credit bureaus TransUnion And XXXX  and attached all required forms for dispute, i received letter at home saying that they dont believe that dispute opened by me, i called multiple times and verified that the dispute were opened by me and they didnt remove it. Please request them to remove this fraudulent inquiries
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is
unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Aurora Loan Services abusive loan servicing practices. In XX/XX/XXXXthey held XXXX plus in their restricted account and refused to release it to us. They placed forced insurance on our account in XX/XX/XXXX and refused to take it off after we notified them we had insurance creating shortages in our escrow account. 
In XX/XX/XXXX they closed XXXX XXXX and forded all other periodic statements to a fictitious address of XXXX XXXX XXXX. 
In XX/XX/XXXX were notified we by their attorney XXXX XXXX our loan was in default by 39 days, we immediately contacted them and was told we had XXXX in a suspense account and we need to send about XXXX to cure the default, which we did, they refused the money and said its in their attorneys hand. 
We have been fighting since and have requested documentation from them of our servicing of our loan until now, they have refused to give them to us. 
They have denied Loan Modifications, They have forwarded Fraudulent Documents in the Courts. 
They have refused to work out anything with us.
Product: Debt collection

FFAM Account # XXXX Claimed amount : XXXX Notice came on XX/XX/XXXX. 

FFAM claims I owe debt to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX. I initiated a charge back against XXXX for renting a poor quality vehicle in early XX/XX/XXXX. Apparently XXXX turned the charge back over this debt collection agency. I have contacted XXXX but have not heard back. I am disputing the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent Equifax a certified letter ( XXXX ) which they received on XX/XX/2023. This letter notified them that they are violating the Fair Credit Reporting Act by including information in my report which is inaccurate. This information includes addresses which are not deliverable to me by USPS. As of today 's date, XX/XX/2023 the inaccurate information has not been removed from my credit report, nor has the other personal information been changed as requested. I even submitted a copy of my driver 's license and bank statement.
Product: Credit reporting

I recently checked my credit report and found an account that was not my account. Upon further investigation of the matter I found that someone used my information without my consent, knowledge or authorization. I reported the incident to the FTC, local law enforcement and other agencies to protect my identity. I filled out documents required of me by law and sent the information to the consumer reporting agencies. I sent everything that I was given including report numbers and followed the instructions of the FTC. Transunion sent me a letter back with a Transunion Identity Theft Victim Assistance Affidavit requiring me to fill it out. Transunion additionally claims that the information that I sent in was missing essential personal identifiable information which is not true. I can submit the information sent to Transunion to prove that every aspect of the documents were filled out and a copy of my DL and SS card was sent. According to the FTC and the FCRA I am not required to fill out the companies form. I sent in a filled out FTC Affidavit with an FTC complaint, a report number, my DL and SS card which was required of me by law. The following account is not my account and I request that it be removed. 
XXXX XXXX XXXXis not my account.. Please remove this account from my credit profile.
Product: Checking or savings account

XX/XX/2020. Remaining balance {$430.00}. Wvery time I would call Chime the automatic voice response would tell me my account was closed and hang up. I found an email, emailed them got a reply with nothing but articles. Not being direst as to why my account was closed. Was about to reach a rep through a friend calling and they still were unable to tell me directly why my account was closed now I am out of {$430.00}, with bills that are due and kids to take care of. Every dine I had was in my Chime account, now I don't have access to any of my money that I work for. Highly XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX unauthorized credit inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Consumer Relations Department Consumer Disputes XXXX  XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are reporting inquiries that I do not recognize and did not authorize. These inquiries are causing me damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Claimant originally agreed to purchase from XXXX XXXX XXXX XXXX. This Company is their debt collector. Claimant changed her mind because the company was never accessible within the time i purchased and the next day to schedule another vacation. i could not reach their office number so i texted instead and they returned the message claiming my notice to cancel was received. this company is a scam! also they charged a down payment of XXXX whic is in direct violation of 12 CFR 1026.4 not cash comparables in a consumer credit transaction. they also NEVER gave the disclosures on my right to rescind this retail installment contract
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed some inquiries on my report, and I received an illegal computerized letter dated XX/XX/2021, from the credit bureau in which they stated, 1 ) an explanation of what an inquiry was, 2 ) told me they MAY investigate and 3 ) if they chose to investigate, they listed the investigation procedure then proceeded to tell me to contact the publishing company.

According to the law and my request, my letter to them asked them to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform.

I asked the credit bureau for proof of such information being verified and validated as something I did, since they were opting to publish the information on the platform. I didn't ask them for information on what an inquiry is or how an investigation is contacted but for them to investigate the inquiries and delete the information if they couldnt furnish accurate proof, I initiated them or show me proof of their findings to be able to report such inaccurate information as accurate. 

Because they did not do that what is required by law, they are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

These inquiries need to be removed as they have NOT been verified or validated as being accurate.
Product: Payday loan, title loan, or personal loan

I received an " Adverse Action '' notification from a company LendingUSA affiIiated with XXXX XXXX XXXX. I have never heard of these companies but they took an application in my name and pulled credit. I never gave this company my personal information and I never gave them authorization to pull credit. 
The letter states that I was denied a loan but i never applied for a loan with this company. The people who work at this company will not give me any information, they are rude, condescending and one person ( XXXX XXXX ) hung up on me. Teh other person is the fraud department, XXXX XXXX would not provide any information to me and told me to file a report if I wanted to.
Product: Debt collection

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. 
XXXX  Account # Account number 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 reporting

I have XXXX items on my credit report that I had nothing to do with : XXXX, XXXX. 
I only owe XXXX hospital bill from : XXXX XXXX I 've attached my current license and XXXX additional forms of identity verification ( birth certificate, social security card )
Product: Debt collection

I have cleared/paid off a collection account with Cavalry SPV I, LLC ( a debt collection agency ) for a credit card account originally with XXXX. This payment became official on XX/XX/2021. 

I have been told by Cavalry SPV I, LLC that this collection account is eligible to be removed from my credit reports with XXXX, XXXX  and XXXX. I would like that done immediately since the debt has been paid.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Transunion Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, transunion has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Transunion failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : XXXX  o Account Number:XXXX Present below the inaccurate information persistently affecting my credit report.
Product: Credit reporting or other personal consumer reports

I went to file a dispute due to someone using my identity and Trans Union keeps telling me they are going to fix it. However 5 months later they have not done anything I have called mutilp multiple times and I keep getting told that it's either a website issue or it will be escalated to another department as of today five months later nothing has been done I just spoke to the rep XXXX. and she said that there is an error on my account however this should've been taken care of five months ago
Product: Debt collection

XXXX is saying that i owe them for an account. I have never had an account with them. I have asked them for proof of an existing account and i have never recieved one. This is affecting my credit rating. On XX/XX/2018 i  spoke with a rep. for them gave him my last name and last for of my SS and he could not find a account.
Product: Credit card

I am filing this complaint against Capital One for reporting inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve these inaccuracies directly with Capital One, the information regarding several accounts remains incorrect. 

Details of the Dispute : Account Numbers : XXXX, XXXX, XXXX Issue : These accounts are inaccurately reported as charge-offs with balances of {$250.00}, {$8000.00}, and {$9100.00}, respectively. This information is incorrect. 
Requested Resolution : I request that the CFPB investigate Capital Ones failure to provide accurate and verifiable information regarding these accounts. I ask that Capital One be required to correct or remove the inaccurate information from my credit report in compliance with the FCRA. 

Supporting Documents : I have attached a copy of my dispute letter sent to Capital One, detailing the inaccuracies and requesting correction. 

Conclusion : Capital Ones failure to address these inaccuracies has negatively impacted my creditworthiness. I seek the CFPBs assistance in resolving this matter promptly. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX