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

I am writing to formally dispute and request correction of multiple inaccuracies on my credit report that are negatively impacting my creditworthiness and financial standing. The inaccurate information includes incorrect addresses, charge-offs, a repossession, and unauthorized inquiries, which I believe have been reported in error. 

Here are the details of the inaccuracies I am disputing : 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 
I have attached copies of my credit reports from 3 Credit Bureaus to this letter, highlighting the inaccuracies I am disputing.

I wish to emphasize that these inaccuracies are damaging my financial reputation and are not a true reflection of my credit history. I have never lived at the addresses listed, nor have I ever authorized or consented to the inquiries from the entities mentioned above. Additionally, I dispute the charge-off and repossession claims as I have made efforts to resolve these issues and have documentation to support my claims.

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to provide me with the results of your investigation. Therefore, I kindly request that you : *Conduct a comprehensive investigation into the accuracy of the addresses, charge-off, repossession, and unauthorized inquiries on my credit report.

*Contact the respective creditors and entities responsible for the inaccuracies to verify the information.

*Correct the erroneous information on my credit report to accurately reflect my true credit history.

*Provide me with a written response outlining the results of your investigation.

I am fully aware of the importance of maintaining an accurate credit report and I am committed to resolving these issues promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments to be reported on my credit report. I further remind you that you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. I will seek damages from your company for violating my consumer rights under Fair Credit Reporting Act if permitted.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am disputing unauthorized credit inquiries and inaccurate accounts appearing on my TransUnion credit report. Under FCRA 611, I request their immediate removal. 

Unauthorized Hard Inquiries The following inquiries were made on my credit report without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Accounts That Do Not Belong to Me The following accounts have been fraudulently opened or incorrectly reported and must be removed : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX A Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account NumberXXXX Account Type Charge Card Date OpenedXX/XX/XXXX Status Account : charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXX After multiple disputes for over 6 months with this company they still have failed to validate this account. I still have not gotten any response in writing or by phone. I even contacted this company to try to settle the debt even though its not mine just to get it off of my credit report. This is negatively impacting my credit which is stopping me to live a quality life.
Product: Payday loan, title loan, or personal loan

I've registered for an account online and successfully registered auto pay with them. They can't confirm the account details I used to schedule their autopayments - they say that the first payment scheduled was denied. Their online portal contains significant issues. If I attempted to register a bank account for payment, I receive registration errors. Their auto-pay service windows tells me my next scheduled payment is for XXXX/XXXX/XXXX I attempted a payment to bring the account current but the payment was immediately returned ( I can not verify what account numbers they are using because they say they can not access them but I verified them multiple times before submitting ). Their system is not reliably scheduling payment or executing payments to the account I requested to pay from. I have checked with my banking institution and they say they haven't received any payment request from Citizen 's One. They didn't notify me that my payment failed and it doesn't reflect in their online portal. I have spoken with them and am attempting to bring my account current but my biggest issue is that they are now going to report delinquent marks on my credit report for a failure of their payment services. When I spoke to them, I learned that their website doesn't successfully work with the browser I was using, XXXX however there is no messaging anywhere indicating that.
Product: Consumer Loan

It is my belief that Kia Motors Finance ( " KMF '' ), a division of Hyundai Capital America ( " HCA '' ) engaged in illegal, high risk predatory lending behavior regarding my lease of a XXXX Kia Sorrento. This is a separate concern from my complaint regarding credit reporting and notices. 

When I initially leased the vehicle my credit profile was highly overextended with all my accounts having balances at or near their limit and with multiple credit cards having been opened and used to their limit within the previous XXXX day period. I also had one vehicle already financed that was not to be traded or resolved as part of the financing. I believe this alone indicated an exceedingly high risk lending situation. 

Despite my young age, a plummeting credit profile, and having another vehicle financed outside of the purchase, KMF indicated approval for the lease. 

Believing purchasing was not a good idea I reiterated to the dealership to share with KMF my employment situation. I indicated I recently had my employment terminated with XXXX XXXX XXXX and that I may or may not be rehired into my position. The dealership advised they shared this information with KMF and that they felt based on my employment history that I could afford the lease and would likely find another job if needed. 

Despite KMF having immediate knowledge that I was largely unemployed they approved the lease and added a clause waiving the need to verify my employment and income. I believe this waiver was added so they could avoid having to decline the lease. I believe this is a case of predatory lending as KMF had knowledge that I could not afford the vehicle and knew I did not have a worthy credit profile but proceeded with financing, regardless. The lease went through underwriting without any agents of KMF seeking to verify income, employment, available cash balances or my previous earnings. I was only required to sign the documentation and provide a government issued identification card. 

Ultimately as a result of KMF providing me a lease they knew I could not afford the lease quickly fell into default ruining my credit profile. This lease was predatory in nature and the type of behavior seen here is unethical and illegal. I volunteered the vehicle back to KMF in good faith. 

After the vehicle was in the possession of KMF, the errors and violations continued which are discussed in a separate filing. If KMF had followed normal lending practices this would have been avoided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and equifax show an outrageous number of credit inquiries on my account. For instance, I did not authorize most of these as follows : XXXX- yes for credit Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX- not authorized Inquiry : XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX again it was a soft inquiry they said Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX just inquired not authorized Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX definately not authorized just inquired Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX definately not autherized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX definately not authorized Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX says its a soft inquiry Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  authorized Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX- no not authorized Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX- not aware of what this is for Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX don't even know what this is for Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX authorized Inquiry : XXXX. XXXX, XXXX When someone asks you if they can run your credit you assume it's one  time not 7 times. This needs to be disclosed upfront and with whom they are running it with because they ruined what I worked so hard for. In addition, there are inquiries on here like XXXX XXXX XXXX XXXX that had no business running my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Bank account or service

Over the weekend of XXXX XXXX my bank accounts XXXX at USAA bank was liquidated of {$70000.00} in Florida without my authorization. I reported the unauthorized withdrawals on XXXX XXXX. I was notified that my account would be credited back within XXXX5 business days but this has not occurred as of the date of this complaint. I need to pay bills but USAA has not even given me an update and the investigator has not contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED A COPY OF MY CREDIT REPORT AND FOUND A FRAUDULENT CAR LOAN IN MY XXXX REPORT. I HAVE NEVER HAD ACCOUNT WITH CARMAX. I AM A VICTIM OF IDENTITY THEFT. THIS ACCOUNT IS A FRAUDULENT ACCOUNT. XXXX CREDIT REPORTING AGENCY DELETED THE CARMAX ACCOUNT AS OF XX/XX/2019. IN SPITE OF THAT, XXXX REINSERTED THIS FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT AND MY CREDIT HISTORY WAS DAMAGED.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I took out a loan through XXXX  for {$600.00} I have since made 7 payments of {$110.00}. My remaining balance is {$750.00} because the APR being charged is 490.00 % With the money I have already paid out I have already paid over {$600.00} in fees alone
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

2. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

5. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX.

6. XXXX XXXX XXXX  Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

7. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX

8. XXXX XXXX - Account # XXXX XXXX  Reported Identity Theft ) - Fraudulently Opened on XXXX

9. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XXXX ( Reported Identity Theft ) 3. XXXX  on XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XXXX  ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XXXX ( Reported Identity Theft ) 6. XXXX on XXXX ( Reported Identity Theft ) 7. XXXX  on XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX XXXX on XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XXXX ( Reported Identity Theft ) 10. XXXX XXXX  on XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XXXXReported Identity Theft ) 12. XXXX XXXX XXXX on XXXX ( Reported Identity Theft ) 13. XXXX on XXXX  ( Reported Identity Theft ) 14. XXXX XXXX on XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of XXXX breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of XXXX breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX  so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that XXXX is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with XXXX and the glitch with Transunion Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after XXXX Transunion and XXXX re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account numbers XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened Credit Card Account opened at XXXX XXXX XXXX  in the amount of {$1200.00} on XX/XX/XXXX under the account number ( XXXX ), Auto Loan Account opened at XXXX XXXX XXXX in the amount of {$17000.00} on XX/XX/XXXX under the account number ( XXXX ). 
XXXX  XXXX XXXX XXXX XXXX account opened in the amount of {$810.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX account opened in the amount of {$610.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX  account opened in the amount of {$670.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX account opened in the amount of {$1000.00} on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX account opened in the amount of {$1100.00} on XX/XX/XXXX under the account number ( XXXX ) HARD INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INCORRECT NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX COLORADO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX INCORRECT PHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$43000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX TX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered inaccuracies on my credit report. I disputed the accuracy of XXXX XXXX on my Credit report. the series of disputes went as followed i recently sent a letter on XX/XX/18 disputing this account they signed for the letter on XX/XX/18 which they marked disputed and verified i then sent another letter asking to provide me with proof of how the account was verified and present a contract bearing my signature, which they failed to do so. This is my last attempt to clear this matter up before we take the matter to small claims court and sue for {$1000.00} per violation .Please remove XXXX XXXX from my credit report as it continues to promote negative / inaccuracies on the credit file you hold in my name
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 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.