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

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

This is my 5th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}.
Product: Credit card

XXXX XXXX. XXXX was informed of suspected fraud re my Capital One XXXX ( Visa Signature ) card. When fraud was confirmed, my card was deactivated and I was told its replacement was being sent " XXXX-Day Priority ( USPS ). 
XXXX XXXX. still no card even tho ' UISPS tracking site said " delivered '' ( to the wrong end XXXX! ). 
XXXX XXXX, no card. I called Cap. One and info 'd them re USPS " delivered ''. Their representative assured me it WOULD arrive " tomorrow or Friday at the latest ''. 
XXXX XXXX, no card. I spoke w/ a supervisor who was befuddled and connected me w/ his superior. She said the card was lost, they had canceled it and that they would send me ANOTHER ( XXXX ) card via USPS XXXX-Day Priority. 
IF I get the card this time, it will have been at least eleven days. 
Already some of my credit card auto-pay companies have been denied payment and my previously " excellent '' credit rating is in decline ( a VERY big issue since even XXXX ca n't get credit reports corrected and numbers restored ). Additionally, I can not do business online and I must carry large sums of cash to cover the daily expenses that had been covered by my Cap.One card. 
" What 's in YOUR wallet? '' the ads ask ; " NOTHING! '' is my reply.
Product: Debt collection

I called to setup payment and during the process I was asked few questions about address, card information and phone number. In addition to that the rep started asking for current employer and other details which I was not comfortable to answer. I declined it, and I told him I wonder why you need all other information and is it a standard practice. I was told yes, and I asked can you please share your compliance / data collection policy for my reference. The rep immediately told me he will transfer to someone in the compliance department. I asked for the same and expressed stating that it is not required to ask these questions. She told me immediately that you wanted a " free service '' sir and so you do not want to give information. This was an accusation and told her we changed our homes and somehow it bill got slipped off. This is the reason why I called to pay it off and i am glad you have called to resolve this. She continued to act rude and make statements which I never experienced before. This is unacceptable for any consumer to get treated like this. It is a simple question and she could have answered. Now, I would like to see their data collection policy which she declined to share. Please bar these types of companies. Her name XXXX XXXX.
Product: Vehicle loan or lease

I purchased the used vehicle model 2023 ( XXXX XXXX Used model of 2023 ) on XX/XX/2023 at XXXX XXXX XXXX dealership XXXX Texas. My drive out vehicle Price is {$12000.00} which dealership and i agreed upon. after Signing the contract with in 3 hours, when i was reviewing the paper work, I figured it out that there are three adds on added on top of drive out value that total becomes {$18000.00}, I immediately with in 3 hours of purchase sent an email to finance manager, finance director, and told them about this error but they did not responded to me then, I went in person to the XXXX XXXX XXXX dealership at XXXX Texas, on XX/XX/2023 for refund/cancellation processing request after purchasing of the used Vehicle ( XXXX XXXX  2023 Model with VIN XXXX ) After three hours of the wait time on XX/XX/2023 until the closing time of the dealership, Finance Director and General Sales manager told me that the first two protection coverages ( as Mentioned below ) customer can cancel by himself/herself and third protection product called XXXX XXXX XXXX or XXXX product which is for three years of protection that cost {$1800.00} is nonrefundable on my purchase of used Vehicle which I never informed that it is nonrefundable nor I wished to buy any of these protection services or any product on my used vehicle in this difficult economic times. I told to the salesperson before purchasing and during the negotiating the price of the vehicle that I am looking to buy the drive out value, which is {$12000.00}, but the finance team somehow managed to add {$18000.00}, which is beyond my capacity to pay this loan amount and my lender is Nissan Motors Corp and they loaned me on XXXX APR which is quite high based on my credit history and reputation. 

when I felt that the General Manager and his Finance team is not willing to respond to me to my repeated request and queries of reversing the adds on transactions, i reached to Nissan Motor Corp and reached to their Nissan consumer affairs section to resolve this issue or notify them about car dealership not willing to resolve additional adds on issue on top of drive out value. they have given me the case # XXXX, and they did talk to the car dealership and told me that the dealership finance director is trying to reach me on phone to offer something to resolve the issue ( the Finance team is offering to 2 oil change which i refused ). However, the Nissan consumer affair, told me that there is nothing much they can do since all the dealership is independently owned. 

Please see below the following warranties/products are requested for refunds and cancellation. the first two the vendor is saying it can take up to 4 5 days to cancel ( they don't tell why they take so long to cancel ). 

a- vehicle service contract- {$3600.00} XXXX XXXX XXXX -- - {$1200.00}. 
XXXX XXXX XXXX XXXX XXXX -- {$1800.00} ( it is a used vehicle and did not include in the purchased price. ) Now i have made multiple request to XXXX of the dealership about reversing the finance amount but he keeps saying that he is aware and not forgot the matter ( but in realty he did not take any concrete action ).
Product: Credit reporting or other personal consumer reports

I am filling FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I would like to complain about the numerous phone calls from different numbers, at all times of the day. Including nonstop emails. In addition, I am even disputing the amount that they are saying I owe. I feel that I was taken advantage of, I signed my loan back in XXXX. I NEVER even completed the quarter. The college was FOR-PROFIT. Now my credit score is suffering. 

These people are harassing me, and trying to make me pay a debt that is way more than the initial amount, and for classes I never even finished. This is abuse! 

As of XX/XX/XXXX, my credit score has been damaged by this loan company. 
As of XX/XX/XXXX, I have blocked all of the numbers they have contacted me from. 

As of XX/XX/XXXX, I am looking to pursue legal action to protect myself from further damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont understand why I see these accounts on my credit report. I have no idea where is came from. Im shocked! What should I do with them? Why you put this information on my name
Product: Credit reporting or other personal consumer reports

I have previously disputed inaccurate information on my Credit Report with Experian and XXXX XXXX XXXX XXXX Last Month I filed a compliant with CFPB against, XXXX and the 3 credit bureau 's. 
In my compliant, I addressed the fact my credit reports indicated I had made late payments to XXXX XXXX XXXX XXXX. 
XXXX acknowledged I had made NO late payments. I had received updated Credit Reports, but not from Experian, so on XX/XX/2023 I went into my online Experian account to see what updates they had made on my Credit Report. Experian did make update and added into the Status " Never Late '', but above that in Bold Red Writing it reads " Potentially Negative ''. 
On my online account in Experian, they provided me a report # and Phone # if I wanted to discuss things further. On XX/XX/2023, I called and provide the report # and was transferred to the dispute dept. The person I spoke with had no record that I filed a compliant with CFPB, I asked how/why they would have updated my credit report, she replied they received something from XXXX and they contacted them directly. I said, if you updated my account to read Never late, why would the statement Potentially Negative show in Red on my Credit Report, and I also asked why on my Experian Online Account it still shows Late Payments of XXXX days & XXXX + days and in another area it shows Serious delinquency? She wasn't able to answer these questions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trying to collect on a debt I did not initiate or create.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX KS XXXX XX/XX/2022 Re : Account Number XXXX
Product: Checking or savings account

On XX/XX/XXXX my Chime checking account was unexpectedly closed after receiving an ACH direct deposit for $ XXXX for my husband and my XXXX joint amended tax return after waiting over 10 months for the IRS to audit and processor our return. I immediately contacted Chime to find out why a hold was put on account. They informed me I needed to send several documents to verify my identity. After sending all documents requested, including the 2 letters from the IRS one in my name and one in my husbands name, stating the amount we were to receive for our amended return. XX/XX/XXXX I received an email from Chime informing me they have decided to close my account, no reason why was given. After reading Chime 's terms/conditions when an account is closed they have 14 business days to send remaining funds to address on file. It is now XX/XX/XXXX I still have not received my check for the remaining $ XXXX that was in my accout. I've called every day spending countless hours trying to find out where my check is. Only to be hung up on repeatedly, transfered over and over, put on hold for 10-15min over and over, as well as having to give my personal info and explanation of my issue to each agent I was transfered too. On XX/XX/XXXX, I was told by a Supervisor at Chime that they were very sorry for what was happening and she didn't know why my account was closed after providing all documentation requested or why access to my funds was taken away after 2 days of being able to access. She would personally garantee that my closure check would be expedited and sent on XXXX XXXX. It is XX/XX/XXXX I still haven't received my check and noone can give me answers. My husband our 3 kids and I have been put into a major financial hardship over this, we have been with out power for over a month, we have fallen behind on our bills and for what reasoning did they have to close my account after giving me access to our money for 2 days then ripping it away. We want our remaing balance asap!
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX XXXX XXXX ( Review Attached Documents ) Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 ( AN ( 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. 

Remove Following Addresses listed that doesnt belongs to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611 . If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested an investigation into this account, due to errors on my credit report involving this account. You did not fix the errors, so on XX/XX/XXXX I requested a re-investigation into this account. After your re-investigation you still did not fix the errors in this account. On XX/XX/XXXX I asked you to show that the balance is XXXX and show paid. These were fixed. Thank you! But it is still showing charged off for multiple months. An account can only be charged off XXXX time and it was charged off in XX/XX/XXXX. Please fix this inaccuracy or delete this account.
Product: Credit reporting or other personal consumer reports

Soon checking accuracy of my credit report I noticed several accounts in collection. That where clear identity theft reached out before about situation was informed where verified by address but address tied to account has apt number attached I live in a house
Product: Debt collection

On XXXX/XXXX/16, I sent a certified letter to this company requesting for " validation '' via a document bearing my signature that I owe this debt and that it is valid. I waited 31 days, and received no response from this first letter. On XXXX/XXXX/16, i sent a second certified letter to this company asking for " validation '' via a document bearing my signature that this debt belongs to me and is valid. On XXXX/XXXX/16 they responded via a letter, but did not provide anything with my signature on it. Instead stated that I did not provide sufficient information and that I needed to send them documents. Basically giving me the runaround and not providing what I asked for in the two certified letters I sent them.
Product: Credit card or prepaid card

On XX/XX/2020, I was billed by XXXX XXXX for a premium seat, in the amount of {$450.00}. This was charged to my Capital One credit card. 

On XX/XX/2020, I paid {$450.00}. ( Since XX/XX/2020, Capital One has repeatedly credited and charged my account for the same amount. ) On XX/XX/2020, I received a refund from Capital One in the amount of {$450.00} because I did not receive the services from XXXX XXXX. XXXX XXXX cancelled the flight. 

On XX/XX/2020, I am being rebilled for {$450.00}. I owe nothing. How can Capital One charge my account for services not received??
Product: Credit reporting

Set up a automatic payment program with XXXX. Made no changes on my part. Mid stream the changed. It appears they used an outside source - caller ID not provided - first question is my full SS. Communications broke down on their change. Repeatedly told them to take payment. They did no, .have contacted bank to no avail. The impact is a XXXX point problem on my credit rating. Never changed anything on my part Same accounts to withdraw from. I seem to be caught in a procedural issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

Responding a job offer email, I interviewed with XXXX XXXX ( XXXX ) and was sent a job offer for XXXX XXXX XXXX as a XXXX XXXX employee. They even created an ID Badge for me. XXXX said they were creating at home work in the USA for the XXXX based company XXXX XXXX. They sent a check for {$3800.00} to be used to purchase company equipment & software for XXXX position. Besides asking I purchase a printer, they began to request XXXX payments sent to a Vendor at XXXX and requested XXXX Gift cars be purchased to allow them to purchase to computer tools. Bank held the deposit until XX/XX/21 and then put it through. 2 days later, my bank flagged the check they sent for {$3800.00} as a return deposit item, and is going to remove it from my account despite having approved it for deposit after a 72 hour period. Bank will not assist in preventing the funds from being withdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i
Product: Credit reporting or other personal consumer reports

Iam filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.

Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles handling of fraud cases, particularly in light of the issues highlighted by the recent CFPB lawsuit. On XX/XX/2024, I was scammed out of {$1100.00} for fake clothes through Zelle. I visited my bank in person to seek assistance, but I was simply advised to contact Zelles customer support. Despite following these instructions and reporting the fraud, I was not reimbursed, and no meaningful action was taken to resolve the issue. The CFPBs findings reveal that Zelle has failed to implement adequate consumer protections, allowing scammers to exploit the platform and leaving users vulnerable. I respectfully request a thorough review of my case, the implementation of stronger fraud prevention measures, and more transparent and effective dispute resolution policies. I look forward to your response and action on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1668B : A creditor may treat a payment on a credit card account under a open end consumer credit plan as late for an purpose
Product: Credit card

Getting email from American Express that they sent me a Card that I never applied for. Tried calling and just get their computerized system and no way to get through cancel or to see if it was fraudulent.