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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via electronic transfer, and through an intermediary named XXXX in the total amount of XXXX USD utilizing CitiBank services. 
This letter shall thrust into the spotlight, inter alia, the increasingly important role financial institutions play in the fight against financial crime and fraud, and the pressing need for higher levels of supervision and vigilance within the organization. 
Heres an indisputable fact : had CitiBank looked at the wider circumstances surrounding the above referenced transaction ( s ), this illicit transfer of wealth could have been prevented. 
Executing transactions without proper authority is not only a severe regulatory offense but also an irresponsible and reckless disregard of the customers financial safety. 
Against this background, and without derogating any of my rights, I hereby hold CitiBank liable for financial and emotional harm as well as XXXX problems relating to this victimization and demand that CitiBank reimburse my account in full within XXXX  days from the date of this letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The banks sent the statements to the wrong address. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to inform you that I was the victim of identity theft. I researched how to remove the fraudulent items on my report and found that I need to visit the Federal Trade Commission or https : //www.ftc.gov to file an identity theft report. Per FCRA section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Please see below for the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX  Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies shall remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft not later than four business days after receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX
Product: Credit reporting or other personal consumer reports

I

n accordance with the FCRA this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Debt collection

On XXXX XXXX, 2015 my aunt ( XXXX ) had a follow-up appointment with her XXXX. She had been hospitalized and was currently in a XXXX. The XXXX wanted a XXXX. He faxed an order to the hospital office which was just next door and indeed walked us out to the front of the building and directed us to where we were to go. We went and had it done. XXXX and her supplementary insurance initially paid for it but then withdrew the payments because they said that she should have had the XXXX at the XXXX. Medicare told me verbally that she was not liable for the payment.The physician had received documentation from the rehab so he knew where she was staying. Now the hospital is sending her ongoing letters and indeed a Final notice demanding payment as well as threatening to turn it over to a collection agency and listing it as a bad debt which will be detrimental to her credit rating. I feel the XXXX and those with XXXX are targeted as more likely to comply. I am her power of attorney and we are not going to pay for the mistake of others. To make matters worse, on XXXX XXXX the XXXX was repeated at the rehab because the Physician notes were unclear. My aunt should not have to pay for the mistakes of the professionals.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case. 
TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate. Specific discrepancies include : Late payments incorrectly reported for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Dates of delinquency that do not align with the accounts actual payment history. 
Reporting errors inconsistent with records from other credit bureaus. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies.

I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I have a number of accounts that I have asked to be verified as well as the method of verification under FCRA Section 611 and none of the accounts have been verified. I have also contacted the creditors to send me a CONTRACT AGREEMENT WITH MY SIGNATURE ON IT STATING I AGREED TO PAY FOR ANY DEBT THAT I INCURRED AND HAVE NOT RECEIVED NOTHING. E-Oscar is not a form of a verification method. No third party information is correct especially with NO SIGNED CONTRACT. Also there is a bankruptcy that has not been verified this I know for a fact also because the court house do not verify on the phone nor do the courts report bankruptcies to third party companies. These accounts need to be removed immediately due to none verification/validation. 

ACCOUNTS : XXXX ; XXXX credit card ; XXXX ; XXXX ; XXXX ; XXXX. XXXX bank accounts : XXXX, XXXX, XXXX, XXXX, XXXX. XXXX ( two cards ), XXXX, XXXX, and XXXX. 
All these accounts need to be removed. The bankruptcy needs to be removed also,
Product: Student loan

I set up auto payments with Nelnet starting in XX/XX/XXXX, however, I noticed in XXXX of XXXX my loan repayment date kept getting deferred to a later date by Nelnet so auto payments would never begin. I was told because it was in administrative forbearance was the reason for the changing date. I requested both in XXXX and XX/XX/XXXX to move to standard repayment with no success. Which prevented me from getting a loan with XXXX because it was in admin forbearance. Then the federal government could not move forward with SAVE plan thus Nelnet put me into deferment which I did not request because I'm in school. I spoke with XXXX account representative of Nelnet today on XX/XX/XXXX and opted to pay XXXX of XXXX loans ( the in school loan of {$6000.00} ) because XXXX explained she could not put this into standard repayment because I'm in school. I was told will take XXXX to XXXX business days to resolve the other XXXX loans moving them from deferment to repayment, but they can't and won't send me any acknowledgement confirming a change is forth coming via their portal. This company is intentionally impacting borrowers causing students, people, to accrue capitalized interest so that the company can make more money. When I was with Great Lakes, I was able to make payments the entire time towards my balance without issue during the period where no interest was accruing. This should be illegal. Borrowers irrespective of government policies should be able to have auto payments set up and elect to be in standard repayment plan status.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

This complaint is toward Monterey Collections. I would like to state that I have never signed a contract with them nor have I ever requested to deal or communicate with them. Their communications to me have been extremely harassing, stating that they will obtain a judgment in 30 days and telling me to " govern myself accordingly ''. The calls I've received from them are from their " lawyer '' asking for money. The number they call from is XXXX. I have contacted the original creditor for years regarding the cancellation of my account being that they pushed this contract on me with extremely high pressure and being riddled with lies about the contract. This contract was a complete misrepresentation to me just to take my money, while also increasing the amount I have to pay each year. I have also expressed to them that I have been extremely sick, going into the emergency room several times at XXXX. I am continuously ignored, dismissed, harassed, and never once assisted in the resolution I am seeking. Now after years, they bring on the idea of putting a judgment on me? They misrepresented this entire contract, never provided assistance, and now want to place a judgment and destroy my credit. This is baffling! At this point, I am demanding that my report be cleared with anything from this company and that they remove me from their files and cancel all.
Product: Checking or savings account

I believe my Checking Account was hacked and someone changed my payment on my credit card and made a payment that was sent to an account at XXXX XXXX of {$2800.00} which was not mine. My XXXX XXXX card has a XXXX balance, so I know I didn`t do it! XXXX XXXX will not give me any information on the account it was sent to because it wasn`t mine. So PNC didn`t find it necessary to reimburse me so I`m out {$2800.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX**** Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been fighting with Commonwealth Financial systems in XXXX Pennsylvania for the past 2 months to get them to send the assignment of debt letter per Florida statute 559 .27 and they have yet to send said assignment of debt letter that gives me the 30-day mandated dispute of validity. I have asked for them to remove all trade lines from all credit bureaus and while they have told me that this was done I still see their tradeline on my XXXX credit bureau.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
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
Product: Money transfer, virtual currency, or money service

The company has denied my disputes for unauthorized transactions made on my debit card. This is completely inconsistent with how the credit card team handles disputes. Multiple transaction disputes have been denied that were legitimate. My account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three agencies are tortiously interfering with my financial matters. 

I have requested corrections via CFPB and directly to XXXX ; Experian and XXXX All three refuse to send me hard copies of my reports, and Electronic access to them. 

Further, there are significant life safety issues which have been over proven to all three, that they refuse to comply with, leaving me at high risk of serious injury or death. 

Additionally, they all refuse to Add legittimate credit Records, and bluntly admit that their business model is for the benefit of " XXXX XXXX lendors '' and not consumers '' I am absolutely furious. 

Even just this morning, I received an email from Experian advising that a dispute was ready to View, but when I logged in to their link, they refuse to give me access and demand the very same ID documenti I have sent them no less than XXXX times. 

Your lack of authority over them and their XXXX defiance is infuriating. 

I demand the above be rectified immediately and punitive action to be taken. I am spending similar communications to the FTC ; DOJ and AG XXXX XXXX Office directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that Experian has included accounts on my consumer report that resulted from an alleged identity theft. The accounts contain information that is not related to any transactions made by me, and I did not benefit from them. To address this issue, I sent Experian written correspondence that included proof of my identity, an identity theft report, identification of the inaccurate information, and a statement as required by law. Experian is required to block and delete the accounts within four business days of receiving my notice.
Product: Credit reporting or other personal consumer reports

I sent letters back in XXXX to all credit bureaus to validate and remove inaccuracies and nothing was done. 

XX/XX/2023 and it cost me {$27.00}
Product: Credit reporting

On XXXX XXXX 2016 XXXX took a fraudulent application for credit and ran it anyway through the transunion bureau. Transunion had a credit freeze due to fraud on the account but permitted this to go through anyway. I called today to dispute this and was told that it was not transunion problem, but if i paid them money they would put a lock on my account. also transunion also stated that even though they placed a freeze on my account there was no phone number listed on it. needless to say, i have a hard inquiry that should not be there, transunion tells me that i should call XXXX XXXX ( but the number that is listed on the credit report does not work and when you XXXX the number you need an account number ) so there is no way for me to get in touch with the company. when i told this to the rep they became loud and yelled at me, they told me that it is my problem and that i should dispute this elsewhere since its not their problem
Product: Credit reporting or other personal consumer reports

**NOTICE : SERVICE OF PROCESS / LAST OPPORTUNITY TO CURE** On XX/XX/year>, XXXX XXXX wrongfully and intentionally denied my Regulation V request to block adverse information resulting from XXXX XXXX, alleging that Experian did not receive the required Victims Determination documentation. This allegation is false, as the required documentation was submitted both as an attachment to the initial CFPB complaint and via Notary Presentment through USPS Certified Mail. 

XXXX is avoiding providing written confirmation that she is rejecting the certification, instead falsely claiming that it was never received. This appears to be a deliberate attempt to circumvent Regulation V, which strictly prohibits Experian and other CRAs from validating victims ' determination documentation. 

XXXX, on behalf of Experian, is engaging in deceptive and unfair business practices, which has led to the filing of a claim in XXXX XXXX XXXX for damages caused by her willful noncompliance. This is Experian 's final opportunity to comply with the law amicably. Failure to do so will result in the continuation of legal action and the public disclosure of these wrongful practices.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report. 15 USC 1681b
Product: Debt collection

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.