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

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit report that does not belong to me and/or is inaccurate information : Please assist me in getting these items removed : Fraud Reporting Information : XXXX XXXX XXXX XXXX XXXX - XXXX  Child Support - That is reporting incorrectly. I have contacted Child Support because XXXX  is reporting inaccurate Child Support Information. There was an overpayment where Child Support had to reimburse the money sent. XXXX  is reporting inaccurate information. 

XXXX XXXX XXXX XXXX - This is a fraud account. This account was not opened by me. Transunion is reporting fraud information and they was sent a FTC FORM. 

I have never had a XXXX XXXX XXXX account because whereI live they do not have XXXX XXXX XXXX XXXX. I have talked with XXXX XXXX XXXX Customer Service Rep and they do not see any accounts with my name on it. So Transunion and XXXX  is reporting incorrect information. 


Inquiries that was not authorized by me : XXXX XXXX XXXX 3 times
Product: Money transfer, virtual currency, or money service

I was scammed involving Cash App or XXXX XXXX. On XX/XX/year>, my phone showed me sending money to someone in amounts of {$200.00} and {$400.00} through Cash App. Right away, I told Cash App, XXXX XXXX, and my bank about it. I closed my Cash App and bank account quickly. I showed Cash App the messages to prove it wasn't me & immediately text fraud, but Cash App, XXXX, and the bank did not accept my claim. I have the cash app texts to prove. Now, I've lost {$2000.00} and need to complain officially and find out how to get my money back. I'm in college, and saving money is really hard for me. This situation is very upsetting.
Product: Credit reporting

The credit agency that has been trying to collect from me for over 6 years has stated that the debt was reported on a more current date which is a lie.
Product: Credit reporting or other personal consumer reports

XXXX lied and stated that they dont have any transcripts pertaining to their representative stating that the issue I had would not be reported to any credit bureau XXXX Upon investigating on my end I found the transcript to dispute what they are stating so now they are being dishonest so I would like to know why they werent transparent and who works in the legal department.
Product: Checking or savings account

I had a checking account with chime. I used it it to pay almost everything and also used it for direct deposit and to check deposits from my tips as I am a newspaper delivery person. It was convenient as my sleep schedule was different from normal people for delivery of papers. One day I couldn't put my checks in from my tips into my account by phone. I went crazy as I depended on this tips to provide a place to sleep at night. I was homeless at the time and living in hotel with my four children.

I tried multiple times to contact them. All I get is that they have the right to close the account and something about being a hazard or something to that effect. But I did nothing wrong. And now, I can't use any mobile cash checking because they all use the same company. It's unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax disregarded established and respected security principles in their handling and storage of my sensitive, personal data, and in doing so created a potential for risk which was not authorized by myself as a consumer in any fashion. As a result, the private, identifying information of myself and millions of other Americans has been made available without my consent, and may potentially have long-standing financial repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AND XXXX IS CURRENTLY LISTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY PERSONAL CONSUMER REPORTS. 
AS I HAVE REPORTED TO THE FEDERAL TRADE COMMISSION ID THEFT REPORT.
Product: Student loan

I have tried for several months to contact NELNET and I can never get anyone on the phone. I've tried doing auto payment and my payment keeps getting declined. I believe they want you to pay the minimum statement amount in order to keep incurring interest charges. Every time I pay more than the amount requested my payments declined. I would to get this resolved but can't get anyone on the phone. I'm thinking they are not accepting it because that minimizes the interest money they will receive. I wish I could get my student loan transferred to another company. This is so frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for the XXXX XXXX and the bank 's records ( learned through more research both parties require ). Please remove these files as they were the results of Identit Theft : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these information belong to me I will require all documentation that bears my signature ( another research item I found that requires the Credit Bureaus to verify with 100 % accuracy that each itms is 100 % true, accurate, correct, complete & VERIFIABLE ). If the Credit Reporting Agencies do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I, XXXX XXXX, went to pay my program fees and when the XXXX ran my card it was declined due to being 'locked ' by Skylight XXXX XXXX ) I therefore contacted the company to find out that more money is missing from my card. They then reinstated me a new one. Money is missing from the account. I need help resolving this issue.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPD findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. the items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete these items as soon as possible.
Product: Money transfer, virtual currency, or money service

I have made an account with Coinbase and purchased some Bitcoin. This occurred over 2 months ago. From the day I purchased it, Bitcoin have locked me out of my account preventing me from accessing my money. I have contacted the company and they closed my case after 1 month saying that theyve resolved the issue when in fact they have not.
Product: Credit card or prepaid card

This concerns an Apple Card issued by Goldman Sachs. I paid my account in full 31 days early with a debit from my bank account for {$2900.00} on XX/XX/XXXX. The money flowed out of my account that same day. As of XX/XX/XXXX, my available credit has not updated to reflect that payment. 

The card T & Cs have a nebulous " Credit Availability '' clause that is decidedly consumer unfriendly : " After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your XXXX XXXX XXXX XXXX XXXX XXXX XXXX, online at XXXX XXXXr by contacting us. '' Over XXXX people have complained about the same issue at Apple 's own discussion forums page.
Product: Vehicle loan or lease

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I notice an account in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following accounts are inaccurate XXXX, XXXX, and XXXX, they are strictly in violation of U.S Code 1601b verbatim in its entirety. Also, please investigate and provide proof if these companies submitted a XXXX, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND these accounts to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :
Product: Debt collection

I have dispute a debt with Security Cred regarding account # XXXX and told this company that this debt is no mind and ask them to send me a debt validation and a sign contract. To no avail, I haven't received any correndence. They address that they have is wrong. I received an email from them with an address that I have never lived.
Product: Debt collection

On XX/XX/2023 I sent XXXX XXXX XXXXXXXX XXXX a notice of Error and Dispute. XXXX XXXX XXXX XXXX. Recieved my notice onXX/XX/2023 according to the united states postal service. I recieved a letter back on XX/XX/2023 from Capital One Bank NA stating " we are unable to fulfill your request through written correspondance '' .... Capiatl One failed to follow the requirements in accordance with the Electronic Funds Transfer Act. They failed to RE-CREDIT my account pursuant to 15 usc 1693 ( f ) ( c ) They failed to send me the required notice of my right to request documentary evidence with the letter they sent in acknowledging my notice pursuant to 15 usc 1693f ( a ) - ( d ) " A finaincial Institution shall investigate an alleged error determining whether an error has occurred, and report or mail the results of such investigation and determination to the consumer within ten business days. Purusant to 15 U.S.C. 1693f ( a ) 1693f ( a ) - ( f ). Regulation E further mandates that the financial institution must investigate promptly. 12 C.F.R. 1005.11 ( c ) ( 1 ) ; see id. 1005.11 ( a ) - ( e ). Capital One failed to investigate the alleged error after notice was given. They stated in their correspondance that I had to contact them via telephone which is not in accordance to the law nor my written instructions. Which is a violation of the EFTA ( 15 usc 1693f ( a ) - ( f ) ) and Regulation E ( 12 cfr 1005.11 ( c ) ( 1 ). Also under the CFPA, a violation of a Federal consumer financial law, which includes enumerated consumer laws and rules thereunder, violates theCFPA. 12U.S.C.5536 ( a ) ( 1 ) ( A ) ,5481 ( 14 ). By virtue of its violations of the EFTA and Regulation E, as described above, Capital One also violated the CFPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employers : XXXX XXXX LA XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I seen an account by XXXX XXXX that is in violationof my rights also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FC

RA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation

of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) c
ivil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Vehicle loan or lease

Had our vehicle repossessed and in order for us to get it back Credit acceptance said all we have to pay for late payments and repo fees was {$650.00}. So we did on XX/XX/2023 and picked up the vehicle on XX/XX/2023. Now they are saying we owe all these of around {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX/XXXX  Date of Inquiry XX/XX/XXXX XXXX/XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5900.00}, {$2900.00}, {$3900.00}, {$16000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year pnc bank receive the money I paid when my account was Overdrawn & I have paid them to reopen my account & I had a Issue where I was robbed and my bank cards was stolen and they charge my card and I reported it stolen as I was charge for nothing but it seems thats i cant bank with them and they are impacting my credit scores, along with other fraudulent companies
Product: Vehicle loan or lease

I would like to speak to someone regarding severe auto finance fraud by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA. After 2 contracts signed ( one is not even my signature ) a interest increase from 5.99 % to 22 % and several conversations and having the sales girl XXXX come into my place of business after I told her NOT TO COME TO MY PLACE OF BUSINESS ( on the XXXX of XXXX ) to have me sign a cancellation agreement ( The bank records is a different agreement ) I had returned the XXXX XXXX XXXX truck to the dealership on XX/XX/2018 because they wanted me to sign an additional contract ( 3rd ) After returning the vehicle the finance manager had forged and altered an original document and after already charging ( 2 ) {$2000.00} payments charged an additional payment on my Visa card for {$3000.00} on the XXXX of XXXX without my permission and when I had called the bank to do a chargeback, they had submitted a contract that was a combination of the first two contracts and a 3rd contract in which I had never seen before or signed. XXXX XXXX XXXX because of the fraudulent paperwork and even after I had shown them the proof of forgery, did not refund me. I was out {$7000.00} no truck and a bill from XXXX XXXX. Since this whole situation, I have had no down payment to purchase an additional vehicle. XXXX XXXX has repossessed the vehicle from XXXX XXXX XXXX XXXX where the truck was returned to the manager ( witness was present ) on the XXXX of XXXX, 2018 my credit is now ruined so I am unable to purchase another car. I have proof of fraudulent financing to the extreme. I absolutely want to report not only the finance manager but the dealership as well.
Product: Bank account or service

Identity theft occurred : While I was in XXXX a man with a fake id and fake credit card walk into a chase bank in XXXX and withdrew {$5200.00} from one of my bank accounts. I realized this happend and went to a chase back in XXXX the next morning. At that point we filed identity theft with all XXXX credit beuros and also with Chase. The XXXX managers who were in the room with me than showed me a closed caption video of the man in XXXX withdrawing the money. Proving that not only did case not do there job in checking from proper I 'd in the XXXX branch but also showed me hard proof that indeed someone had stolen my id. They all admired worng doing and told me I would relieve the money within 30 days. Since I have learned that Chase has denied my claim and will not give the money back to me. They told me that because it was the same XXXX drivers Licence used in XXXX and XXXX that it had to be me. Also I have never been to XXXX. And chase knows that becuse they at the time were the only bank and credit card I used. And I had never booked a trip to XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX is illegally reporting Late Payments for XXXX and XXXX 2015, when the account was fully paid in XXXX of 2015.