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

I am a victim of identity theft and a fraudulent car loan was opened in my name to obtain credit!!!! The account is not mine and needs to be cleared out and removed from my credit report and Honda system
Product: Credit reporting, credit repair services, or other personal consumer reports

Harris & Harris LTD is claiming I owe them and I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello good afternoon i went to a car dealership and they ran my credit and afterwards i had 25 hard inquires on my credit and i tried to get them removed but they are still on my credit these are the the companies capital one capital one auto finance 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 XXXX
Product: Mortgage

The mortgage promised it was a soft pull but they have partnered with this CREDCO to to do a hard pull on my credit.
Product: Credit reporting 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 XXXXXX/XX/XXXX
Product: Debt collection

This collection agent continues to call even though whoever they are trying to contact does not live here. I have called the company and was told they would stop calling. They call every single day!!!!! I cant get them to stop. The agency is Client Services Inc and the number they want me to call is XXXX. That is where I called and told them to stop calling as the person they are trying to reach does not live here. They have called at least daily for a week since I told them to stop.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

Ally Bank, depending on who answers the phone, tells me one thing when trying to make payment arrangements but then change it once I fulfill the arrangements. The calls are recorded so I would like to have them reviewed with the double talk and misinformation yet again. 

on XX/XX/XXXX I spoke with XXXX XXXX to create the arrangement. 
on XX/XX/XXXX I spoke with XXXX XXXX who told me the last agent I spoke with regarding the arrangement I made over the phone was not going to be fulfilled. That I had to make {$1300.00} payment in 10 days to then get an arrangement for extension. 

My daughter is also listed as the primary on the account when she should not have been. I have been fighting this for over a year now. The dealer lied to me saying that my daughter was only needed for credit score purposes only not to purchase the vehicle. She had NO job, NO license and still doesn't so in no way should she have been listed as the primary on the vehicle. The vehicle has NEVER been registered in her name. I want her removed completely from the account.
Product: Credit card

On XX/XX/XXXX, I was charged the wrong amount by XXXX. I disputed this amount by XX/XX/XXXX with Chase NA. My billing cycle ends XXXX XXXX, this means that by FTC Disputing Credit Card Charges, that this must have been resolved by XXXX XXXX billing statement or 90 days whichever comes first. I did not hear back from Chase Bank NA until XX/XX/XXXX, beyond this period and it was not resolved until XX/XX/XXXX when XXXX gave a small refund. 

Chase Bank NA was informed when asked if my dispute was now resolved, that they did not resolve this within 90 days or XXXX billing cycles and could not collect the XXXX {$50.00} of the amount disputed. On XXXX XXXX, Chase went ahead and rebilled the entire amount of {$70.00} even though they should not have been able to collect the XXXX {$50.00}.
Product: Debt collection

In XXXX, Credit Acceptance used XXXX XXXX to be repossessed my personal vehicle after ..... 
XXXX. Not Validating Debt pursuant 15 USC 1692G 2. Not responding to affidavits that addressed clear violations to Truth in Lending, found in documentary evidence/contract.

3.Pretending to be lawyer and debt collector via correspondence. Violating 15 USC 1692e.

4.Refusing my right to rescind this transaction, pursuant 15 USC 1635 Right of recission as to certain transaction.

5. Not disclosing to me of my right to rescind this transaction.

6. Making me pay to retrieve my personal items once my vehicle was repossessed.

7. Claiming they could reinstate the contract after I had to pay to retrieve my personnel items during repossession. The very same act CFPB found XXXX guilty of and punished for. 
8. Violated 15 USC 1666b Timing of Payments 9. Violated 15 USC 1666a Regulation of credit reports 10. Violated 15 USC 1605 Determination of a finance charge
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX F Hard Inquiries XXXX I did not authorize this inquiry XXXX XXXX XXXX XXXX Hard Inquiries XXXX I did not authorize this inquiry XXXX XXXX XXXX XXXX  Hard Inquiries XXXX I did not authorize this inquiry XXXX XXXX  Hard Inquiries XXXX I did not authorize this inquiry I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 
Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes.

Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. 
Removal or correction of the inaccurate information. 
An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX. misapplied a payment in XX/XX/2018. I was told they would correct in one billing cycle. It has been three billing cycles. I have spoken with several people who assured me that this would have no negative affect on my credit file. They reported it as late for more than 2 months, they have sent me two collection letters, and the worst is that my credit scores have dropped more than 60 points.
Product: Debt collection

This is a follow up of closed complaint # XXXX Company CCI/Contract Callers Inc. is in clear violation of the FDCPA/FCRA/TILA Laws. From there previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth mailed certified on XX/XX/2021, received, and signed for on XX/XX/2021 was ignored. 

The Law States the Following : An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert . Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

I have requested an investigation on XX/XX/XXXX in regards to my account with XXXX XXXX Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs Transunion XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. 


According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Equifax and XXXX are consumer reporting agencies and I am the consumer. 


I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and the consumer reporting agencies XXXX, Equifax, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, to furnish anything in regard to these accounts, whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may also 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. '' These accounts are adverse items, and they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services in regard to these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCSECU reported 44 charge offs on my credit seriously damaging it. The account is delinquency is 4 years old and randomly showed up again on my credit as multiple late payments over the limit and charge offs after the account was written off again after 4 years.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
EQUIFAX MTG XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX calls me every day from many differences numbers telling me they are going to sue me for debt. I 'm tired of being harassed I lost my job I have no way to pay it right now.
Product: Debt collection

Collection Agency RECEIVABLE MGMT SVCS LLC Original Creditor Name XXXX XXXX XXXX I cancelled my car insurance with XXXX  because I had gotten insured by XXXX. My account was a XXXX balance and provided a screen shot of the balance to XXXX  when I cancelled the account, then they came back said the account had a balance which they could not justify How they reach that amount, so I still paid the balance. Paid {$100.00} dollars- It turns out that after they said it was removed from their collections department they still are reporting as XX/XX/2020 to XXXX  completely erroneous information on my credit file. This company needs to be stopped, so many complaints and abuse towards the consumer.
Product: Credit reporting or other personal consumer reports

Dear Navy Federal Credit Union, Per the FCRA as a federally protected consumer, I am now exercising to my right to opt-out of the sharing of my nonpublic personal information with any nonaffiliated third party immediately and indefinitely ( XXXX, XXXX, XXXX XX/XX/XXXXXXXX, XXXX warning services ), as allowed under the provisions of the Gramm-Leach-Bailey Act., and 16 CFR 313.7 I am exercising my right to opt-out of any such disclosures. Please be advised the ability to opt-out applies to your company according to 16 CFR 433.3 and 16 CFR 433.2. 

Please ensure that my decision to opt-out is reflected in your records, and kindly confirm in writing that my preference has been noted and will be respected. If there are any specific forms or procedures required to complete this opt-out request, kindly provide them, and I will promptly fulfill the necessary requirements. I value the services provided by Navy Federal Credit Union and trust that my privacy preferences will be respected. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian and XXXX credit report show that they are using a 3rd party XXXX  XXXX to verify a bankruptcy on my credit report. This is a violation of the fair Credit report act. There are errors in this report. I have contacted the courts ( letter attached ). They have not verified any of this information with Experian or XXXX. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies.
Product: Money transfer, virtual currency, or money service

I am filing a claim against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My elderly XXXX had a Citi XXXX card. She wanted to collect XXXX XXXX as points with large purchases. I moved to help prepare and continue caregiving for her. I used the card, letting her know, for my moving and storage costs. I paid a portion of the bill and she then asked me to start to pay her directly because she is in dispute with Citi. Instead, Citi keeps reporting this card on my account. I have written XXXX letters, responded to a request via handwritten form mailed as well as have called, with my mother in the room. I've called several times. The XXXX XXXX says my name is not associated with the account. The account shows up on ALL my Credit Reports. I am trying to buy a Home as I am a student and need stability. This is preventing me from using XXXX XXXX assistance programs and has forced me to miss out on home purchasing while the interest rates were lower. My credit was stellar prior to this. This is an act beyond norm as I have also been harassed and investigated, without reason, by them. They are interested in taking over my mother 's assets as well. All of it is unfair, unjust and I've tolerated enough. The Citi Legal Dispute team for Credit Issues located in XXXX XXXX has not responded nor have the individuals. My Credit report was just run again today and still shows the issue. They confirmed removal in XXXX, XXXX and XXXX of 2022. I checked again and a mortgage lender tried and found issues still. By XX/XX/2022 the issue still existed and I wrote a follow up letter. My credit score has gone down another XXXX points since. This is such a blatant attempt to try to put stress on an already stressed family dealing with illness, loss, elder care issues and racism. Please assist. 

Thanks! S.I.R.
Product: Credit reporting

I have submitted several letters with return receipts disputing the information that TransUnion is reporting on behalf of XXXX. I have also requested written verification of my signature and/or what methods were used to verify the information. The law requires the Bureaus to be able to back up what they are reporting or delete the information entirely. Likewise I have sent several letters to the creditor : XXXX not only disputing the information but also requesting written verification of the information that TransUnion is currently reporting. I have return receipts for all letters sent to both companies. Both companies have failed to mark the report of their information as being disputed. Both companies have failed to provide me written verification and therefore I am requesting there information that they are currently reporting for XXXX be permanently deleted as this has created hardship for me in securing a home loan.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXXXXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX XXXX {$3300.00} XXXX XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$390.00} XXXX  XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$610.00}
Product: Credit reporting or other personal consumer reports

Incorrect address reporting on my Experian credit report!