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

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA XXXX  accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$700.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX 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 federally protected consumer rights to privacy and confidentiality. 
Agency : Experian Account name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies.

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX ) Called around different dealerships to see who can do out of state leases ened up leasing a XXXX Kia XXXX through XXXX XXXX XXXX Kia on XX/XX/XXXX since I was told they do out of state lease ( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX ). 

XXXX ) Was told by my sales XXXX XXXX that my perm plates would be mailed to me at my home address in XXXX XXXX 

XXXX ) XXXX Weeks before my temp plates expired, I called the dealership to see why I have not received the perm plates yet. Was told by XXXX that he check into it and to wait a bit longer. 

XXXX ) XXXX Weeks before my temps expired, I called again and this time was transferred to the XXXX XXXX. Was told that it was my responsibility to get the car registered and titled in my resident state of XXXX. 

XXXX ) I go to the XXXX  XXXX and they tell me that they can not title the car in WV without having the " owner '' of my leased vehicle fill out form XXXX. I call the dealership back and was told their title person ( one who owns the car ) can not sign out of state forms. I then asked if I could extend my temp plates and was told they could not do this. 

XXXX ) I then call Kia Finance directly and they tell me that the process to do an out of state title transfer can take XXXX days. Not wanting to pay for a rental car for this long, I ask if I bought out the leased car, how long would it take to get a title in my name. They told me 10 days for cashiers checks and 15 days for personal checks. 

XXXX ) At this point, the temp plates on the leased car had expired. So I rented a car through XXXX and went to the bank to get a cashiers check to pay off the leased car through Kia Finance. I overnight the check to them. 

XXXX ) The account updates as car Paid in Full on XX/XX/XXXX and I call Kia finance to verify that my title will be send in 10 days. and they told me I would receive it in XXXX weeks. 

XXXX ) Has been over a month, after numerous calls and have not received a bill of sales or title for the leased vehicle I bought. Was told by the Kia finance " escalation team '' that they had no way to contact the title department on their end other than emails. None of these emails they they send have been responded to and they continue to tell me to wait. Still paying for the rental car. Have asked can you at least send the bill of sales, but was told they put a request in but no answer from the title department. 

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

I XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ). 
This company has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), XXXX XXXX, ( XXXX ) contents of complaint : this has been filed to request pursuant to FCRA sec. 605B ( 15 U.S.C sec 168c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within FOUR Business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts, an auto loan through XXXX XXXX XXXX. Account Number ( XXXX ) A Credit card Acc. which has now being handled by XXXX XXXX XXXX, Account Number ( XXXX ). Another credit card acc. that is now being handled by XXXX XXXX XXXX, Account Number ( XXXX ) Credit Card acc. That is being handled by XXXX XXXX XXXX Account Number ( XXXX ) Account with XXXX XXXX XXXX, Account Number ( XXXX ) and a personal loan with acct. XXXX XXXX XXXX, Account Number ( XXXX ). XXXX XXXX XXXX, Account Number ( XXXX ) XXXX XXXX XXXX, Account Number ( XXXX ) XXXX XXXX XXXX Account Number, ( XXXX ) These accounts has resulted in several fraudulent Collections and negative accounts appearing on my XXXX credit report. I have also attached FTC REPORT ( s ) ( Identity Theft Criminal Complaint ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I do feel as if my concerns are not being addressed by Transunion which makes me feel as if I am being taken advantage of now. I do understand that by law the Transunion has 30 days to respond giving results of an investigation which gives a reason to immediately remove these items I've attached and listed because it has been well over 60 days now. I demand that we settle this promptly or I will have to file for litigation as a consumer because this has put me through stress to find out how to get a response. I realized that my information was impacted by the XXXX  XXXX and may have got into the wrong hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

While inquiring about trading in my vehicle to purchase a new/used vehicle, I went to several car dealerships ( ex. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) and each dealership that I went to I explained to the sales person as well as to the finance manager that I did not want my credit ran multiple times nor to multiple banks as this would lower as well as have a bad impact on my credit score. I also explained to them how reluctant I was with signing the application because of those reasons as well and ever time they stated " oh the banks will notice that you are car shopping and if there are applications to the same bank they will only count as one if it 's within a 30 day period '' I am just now finding out that they all have provided me with inaccurate information and that if it 's more than 1 of the same inquiry to the same bank or company within 30-45 days only 1 inquiry should be showing up not 1 for every inquiry. I have notified the dealerships and the banks asking them to remove these inquiries from my credit report, however they continue to pass the buck. The credit bureaus ( XXXX and XXXX ) says they ca n't remove inquiries and to call the dealerships and dealerships say  they ca n't remove inquiries and to call the banks, the banks says they are n't the one 's who requested the inquiries call the dealerships. XXXX stated that they ca n't see that far back to pull the application from XX/XX/XXXX. XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Capital One ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX also known as XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ). I was just recently informed that XXXX XXXX ran my credit to XXXX banks which is unacceptable when I specifically asked them not to. As a individual that work hard for their money and try to have things where its feesable for my pockets, I get very upset and find it disturbing that car dealerships will lie to customers in order to benefit and get over just to make a sale. As a customer these are people that we put trust into and they have let us down. It is extremly difficult to get a new vehicle, buy a house etc. with all of those inquiries.
Product: Credit card or prepaid card

QVC was advertising a {$40.00} promotional credit which would be applied to the next purchase which I never received. i have contacted them multiple times and still have not been able to resolve this. I received the pre-approval right away and when I tried to use the card that same day it wouldn't go through. I had the QVC rep try various times and the account number would not work so they reported as lost and issued me a new one that same day and i made a purchase but never received the credit. I am seeing them continuously offering promotional statement credits of various amounts even now and have seen complaints online from others who have never received the credit either and would like to see this fixed.
Product: Checking or savings account

I called the bank 3 times : XXXX. XX/XX/XXXX : I requested closing the XXXX account ending XXXX. No funds have been received as of XX/XX/XXXX. 
XXXX. XX/XX/XXXX : a. I called the bank to ask why the balance of the immature XXXX account with maturity date XX/XX/XXXX suddenly disappeared. The balance was visible through XX/XX/XXXX. When I looked a second time that day, the balance dropped to {$0.00} b. The bank claimed that I had requested closing the account on XX/XX/XXXX. 
c. That is not true. I only requested closing the account account XXXX XXXX. XX/XX/XXXX. I called the bank again to ask why account XXXX had been closed. I spoke to XXXX who told me that I had requested the closure on XX/XX/XXXX. 
XXXX. XX/XX/XXXX : I received a check from XXXX XXXX for account XXXX with a penalty of {$540.00}
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, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} XXXX US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Student loan

What is happening with this loan is the interest rates are crazy. It's like they set students up by lending them this loan and then they are stuck paying interest only forever. I pay about 300 each month and it just goes to interest only.
Product: Student loan

XX/XX/2019 On today 's date, I received a telephone call from a XXXX  at the XXXX XXXX XXXX XXXX XXXX at XXXX, ext. XXXX. XXXX asked if I was ( stated my name ). I said yes. He advised that I was not the person that called him a few minutes ago. He inquired if I talked to him about two minutes ago. I stated no. I learned that the XXXX XXXX at XXXX attempted to get information about my loan and XXXX recognized that something was misaligned. He disconnected the call and made contact with me. During this conversation, I learned that the XXXX XXXX XXXX was NOT a part of the US Department of Education which I was lead to believe they were. I had received numerous calls from these people advising that I was a veteran and I must not let my loans default because it could be financially devastating. I end up paying these people {$720.00} to consolidate my loan which XXXX stated I did not need to. As a student and veteran, the Dept of Veteran Affairs and I could have done it myself. I want my money back and believe these people should not make nuisance calls wearing veterans or anyone down about defaulting on their loans. I believe their tactics are definitely predatory. I want to be reimbursed {$720.00}.
Product: Credit card

Back in XX/XX/XXXX, I received an email regarding my Shell gas credit card that since I haven't used in a while will be closed in XX/XX/XXXX. So I used my card on XXXX XXXX. I received another email about my account in XXXX being closed if not used. I sent a message through the Shell Credit website asking if I need to use it again or not. I went back and forth regarding my account with a representative. Not once did I request to have my account closed but the representative closed my account without my authorization. Now it has been reported to the credit agencies. I have attempted to contact Shell through their website and haven't gotten anyone to fix this issue. I called on a few occasions, keep getting the run around that it has been escalated. On XX/XX/XXXX, I allegedly spoke to a supervisor name XXXX who was very rude and informed me that a few points off my credit report won't matter. It's my credit report and it does matter to me. Especially when my account was closed without my authorization.
Product: Debt collection

I received a letter from Transworld Systems Inc. trying to collect {$56.00} from me from The City of XXXX XXXX Fire Department. I called Transworld and asked what the alleged debt was. The " customer service '' rep was extremely rude and could not even tell me why I owed the amount. I called the City of XXXX XXXX Fire Department and they said they were collecting on an amount that I already paid. No one will correct the situation even though I paid the original amount of {$24.00}. Now they are trying to collect an fabricated number that I do not owe.
Product: Debt collection

I reached out to XXXX XXXX XXXX which is currently reflecting on my credit report illegally in reference to several disputes submitted by myself as well as 3 credit reporting agencies. Turns out, that this business is really Iq Data International who I have no idea or any information about this company. Found out about them after excessive research and determination. Placed my first call today and was immediately attacked with XXXX XXXX XXXX and degrading comments about my financial wellbeing, accusing me of being someone Im far from absolutely degrading and disgusting behavior from a call center representative who lied several times and got so upset because I confronted him about it. Very unprofessional
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I received a phone call and had multiple missed calls from a phone call from a XXXX ( XXXX ) XXXX at XXXX | answered when I got the call again around XXXX and spoke to who I thought was a Chase banker reprehenSive who was stating they were calling from Chase fraud department due to non normal activity of XXXX different charges in XXXX, Texas that were trying to be made. I told them that wasn't me that i am not out of town. The person mentioned they were going to close my chase card and mailed me a new debit card and not approve the transactions ( normal banking conversation ) they then called me back to tell me the call was not successful and had to give me a temporary pin code for my new chase card that I could add to XXXXXXXX XXXX within the next 2-3 hours. We hung up and I thought my card was safe and was waiting to receive my funds back from the supposably transactions that were taking place in Texas ...... I had my XXXX boys football games at XXXX & XXXX that same day so l was a little busy with them. After the game we grab some dinner I check my account and noticed all of the withdrawals that had took place. I immediately called the bank at XXXX at XXXX ( XXXX ) XXXX and was concern on these transactions if my card was closed and a new one was on the way. The reprehensive I spoke to said they had no call record of me speaking with anyone carlier and the transactions were done with XXXX XXXX at an atm located at XXXX XXXX XXXX XXXX. I filed a claim with fraud department. Today I went into a Chase branch and spoke with a banker XXXX XXXX located at XXXX XXXX XXXX XXXX she was very helpful called the fraud department and come to find out the bank denied my claim to return my funds due to it being done with XXXX XXXX So they are trying to say it was possibly me. I contacted apple pay and they have no record of me ever adding my debit card to my XXXX XXXXXXXX. I would like the surveillance camera views and the person prosecuted.
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 XXXX, XXXX, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened XXXX with XXXX XXXX and a balance of {$1800.00}. I have never received any services of goods nor do i have a contract with this company. I don't know who they are, nor have I signed any agreement or contract. This company do NOT have a signed agreement with my signature to there company. The account needs to be deleted immediately for fraud reporting to my credit report. This collection account is inaccurate and false under 15 USC 1681s-2 ( A ) and 15 USC 1681e ( b ) they can not furnish my signed signature for any product they offer, so this account can't be verified under any federal consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was checking my credit report and found this closed account showing it is a charge off. This is incorrect as the account was fully settled in XXXX of 2018 and account was closed. You can even see this in the payment history provided by the credit reporting services. The XXXXXXXX XXXX is reporting a closed charge off account, I have sent a letter to XXXXXXXX XXXX to correct or remove from my credit report. I have still heard no information from XXXXXXXX XXXX. I want this closed account remove from my credit report This report is fraud reporting in my eyes, Please help this has been a nightmare,.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX Account XXXX and list of Inquiries 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: Debt collection

Found this information on my credit report and wrote a letter requesting a copy of the application and information to verify what this debt was for. I have not received a signed application, no ID, no billing and shipping information and anything else to validate this alleged debt belongs to me. I have written this company appearing on my credit report three times requesting information about this debt and only received a bill with a letter stating the bill with the amount on the credit report has been " verified '' and belongs to me. This is without a doubt insufficient. This company on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX. XXXX. A billing statement with no explanation of goods, services, dates of goods or services rendered is not sufficient. I have requested this information to prove this belongs to me and have repeatedly not been provided with it.