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

On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.
Product: Vehicle loan or lease

I provided proof all payments were made on time they ignored it. 
I was in the process of buying my XXXX lease when they locked me out of my online account and refused to answer my phone calls.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. 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. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been used without my authorization to open or access these accounts. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts to Block and Delete XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX- Amounts : {$670.00}, {$520.00} XXXX. XXXX XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX- Amounts : {$520.00}, {$670.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$700.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX-XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX
Product: Credit card

Paypal Credit representative claimed to give me the phone number to the fraud department, yet she gave me the incorrect number. She then claimed to have transferred me to the correct department, yet she dropped the call. 
I had some issues with my password not being correct, so I had to reset it, yet the representative refused to give me the correct information. 
XXXX, possibly XXXX ( only guess ) representative.
Product: Money transfer, virtual currency, or money service

I use Zelle frequently and have encountered issues and have tried figuring out ways to get the money back. I believe my financial institution and zelle have failed to investigate my claims adequately. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on these accounts. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please repair and update these accounts immediately.
Product: Credit card or prepaid card

Merchant : XXXX XXXX XXXX XXXX  CA {$190.00} on XX/XX/ I have disputed this transaction, recently, Citi bank sent me an email said that they have completed this dispute, because of " We did not receive proof that you did not receive the merchandise. '' It ' s not the consumer 's duty to prove I did not receive the merchandise. It's the merchant 's duty to prove that they have sent me the merchandise. This dispute should be reverse onus. It needs to shifts the burden of proof. 
I never received anything and didn't see any shipping update from the merchant for 3 months.
Product: Credit reporting or other personal consumer reports

I would like for them to cancel my account. I asked for access to this account, because my phone number has changed, since I last used it. It has now been over 3 weeks. I sent both my i.s., and passport ( very unusual process ) via their private portal over 4 times!!! They said, that they couldn't read it. I asked for a supervisor, another 2 days wait... uploaded them again, & the same thing! I was actually initially alerted to the fact that I had even still had this a count, because I received an email, where someone else requested my password for it. My phone had been recently hacked... so I was anxious to get back in, in order to check for possible identity theft. These people have now left my account open for weeks, contributing to that same illegal process. I am livid. In fact, they are asking for very sensitive information, which I believe to be illegal, for a non-governmental agency. These peoole themselves could actually steal my, & any other customer 's information, under the guise of 'our safety '. I felt so uncomfortable sending it once, much less over 4 times! I even tried contacting them from my verified XXXX XXXX, & they referred me back to their customer service, where I've been going back & forth for weeks already. What! These people should not have access to i.d . ( front/back ), passport, & social security card ... etc., as they require ... to change a ph. Number! If it's illegal for all other non- governmental agencies, it should be illegal for them as well. Banks aren't even allowed all of that information. PLEASE... PLEASE, have other customers beware. This appears to be an illegal scam. It needs regulation. And, I want my acct. permanently deleted. Although, I'm sure that they have actively participated in identity theft by now. I need account deletion, confirmation, & an identity theft note on my account. They are lucky, that I do not sue them.
Product: Student loan

According to Wells Fargo EFS, I opened a loan with them sometime between XX/XX/XXXX and XX/XX/XXXX for tuition at XXXX XXXX University in XXXX, Ca. I did attend that school but I have no recollection of signing a loan with Wells Fargo. I have contacted them on several occasions requesting that they provide me with some form of proof that I initiated a loan with them, which they have not done to date. It appears that Wells Fargo is claiming that I owe them money, even though they are unable ( or unwilling ) to provide any proof that I have taken out a loan with them.
Product: Debt collection

I received a letter in the mail on XX/XX/2021 from General Revenue Corporation. This was the first letter ever sent to me from this corporation. It was dated XX/XX/2021, and in the letter, it stated unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. It also stated that if I did notify the office, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification.
Product: Credit reporting or other personal consumer reports

CFPB This is new information to provide that the charge off recorded was applied after the settlement agreements. 
Subject : Submission of Additional Documents for Pending Complaint Regarding XXXX and XXXX Accounts I am writing to submit additional documents related to my pending complaint regarding inaccuracies on my credit report for the following accounts : XXXX XXXX Account XXXX Account These accounts are inaccurately reported as charge-offs. Both accounts were settled, and the balances reflected are erroneous. Despite numerous attempts to resolve this issue, I have received responses from your organization that lack proper investigation and fail to address the specific facts of my case. 

Details of the Complaint : XXXXXXXX XXXX : Agreed to a settlement on XX/XX/year>, the same day the charge-off was incorrectly applied. 
This reflects negligence in accurately recording the settlement, as the account balance was resolved per the agreement. 

XXXX Account : Settled for a negotiated amount ; however, the charge-off status and balance have not been corrected to reflect the settled status. 
Concerns About Investigation Process : Your prior responses appear to rely on automated scripts or boilerplate language, failing to address the specifics of my complaint or the documents I have provided. Such actions not only fail to meet the requirements of the Fair Credit Reporting Act ( FCRA ), but they also demonstrate a lack of due diligence in investigating disputes. 

Legal Grounds for My Request : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are obligated to ensure maximum accuracy in consumer credit files. 
15 U.S.C. 1681i ( a ) : Credit bureaus must conduct a reasonable reinvestigation of disputed information when notified of inaccuracies. 
15 U.S.C. 1681s-2 ( a ) : Furnishers of information must report accurate data and correct any known inaccuracies. 
The inadequate responses I have received indicate a violation of these obligations, as the inaccurate information remains uncorrected despite clear evidence and multiple submissions.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and noticed that was not reporting accurately. i have 8 late payments on an account that was fact paid on time.The customer reporting agencies ' have need to report all information with complete accuracy. The account has not been late on payments i have attached a copy of my report to this complaint on the following dates XXXX i`m now requesting you investigate and provide verifiable proof with records showing that i had late payments, If this information can not be verified i demand these payments be updated to paid on time immediately. thank u your understanding and prompt action
Product: Debt collection

Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as XXXX XXXX XXXX, XXXX. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by XXXX XXXX XXXX XXXX XXXX. 
2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update.

3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case Comenity Capital Bank did no such transfer, nor was I ever given any such proof.

4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal.

6 ) This collection is illegal, and Comenity Capital Bank is in violation of my rights under the Fair Debt Collection Practices Act.

7 ) My file must be purged and all personal information must be deleted, along with Comenity Capital Bank recalling this debt information immediately.

8 ) Any and all references to this account must be deleted on all credit bureaus.

9 ) Comenity Capital Bank must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently. 
XXXX XXXX XXXX XXXX XXXX has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of XXXX XXXX XXXX XXXX XXXX. Examples of common complaints against XXXX include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against XXXX XXXX XXXX illustrate these types of alleged violations. 
Consumer alleges attempts to collect a debt not owed XXXX XXXX XXXX said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX
Product: Credit card

I had a CareCredit card which was only able to be used where CareCredit was accepted. They arbitrarily upgraded me to a CareCredit mastercard ( replacing my old card ) and started charging interest on purchases from day one - no 30 day grace period. I was not given an option to stick with the old card and I was not notified of the interest policy. They would not refund the interest charged.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and as a result, these accounts and inquiries were fraudulently opened in my name. I am requesting that they be removed in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1600.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$1100.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Case Number : XXXX o Date Filed : XX/XX/XXXX o Amount : {$0.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX o Date of XXXX : XX/XX/XXXX
Product: Credit reporting

XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I filed a dispute with Chime Bank on Monday XX/XX/2020 regarding a credit not posted from a merchant that promised me a refund and even provided me with a refund confirmation number, which I forwarded to the bank. I was asked to submit a written statement about the dispute, which I provided to the bank on XX/XX/2020. At that time, I was advised my claim was eligible for a provisional credit under Regulation E and that it would be posted to my account by Wednesday XX/XX/2020. On Monday XX/XX/2020, my dispute was erroneously changed to " service not received '' and I was then advised my claim was no longer eligible for provisional credit. I immediately contacted Chime Bank to discuss this issue. I was told that it was escalated and they acknowledged the dispute type was changed back to credit not posted. I did not see the provisional credit applied to my account today so I contacted the bank. They advised me that " the time resets '' when a dispute type is changed, and that my claim is now again eligible for a provisional credit which I can expect to be posted by XX/XX/2020. I then asked to speak to a supervisor. After spending an hour and a half on hold, XXXX, the " supervisor in charge '' of the dispute department was extremely rude to me. He told me that I was not going to be receiving a provisional credit at all, and then hung up on me. I contacted the bank again and at this point no representative is helping me. I have sent numerous emails to XXXX and XXXX which have also gone unanswered. I have great concerns with the conduct of Chime Bank, as well as their mishandling of disputes. The dispute process is critical and consumers are typically reporting a dispute on their worst day. To have my dispute totally mishandled and be forced to wait an additional 2 weeks, making it almost 30 days before I am receiving a provisional credit is disgusting. Please help me fix this. It is crystal clear they are refusing to abide by Regulation E and are making their own rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting * of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence!

Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for reinvestigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.
Product: Credit card

Made my credit card on time payment. My account was still closed after making the payment for none payment. Reached out to the company multiple times.
Product: Debt collection

This complaint is in reference to the Exeter Finance Account Number : XXXX entry which is being reflected on my XXXX and XXXX  credit report. I have contacted Exeter Finance several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of this listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediately deleted from my credit file.
Product: Credit reporting

I paid my balance in full to reflect on my credit report through ADS XXXX XXXX XXXX , XXXX XXXXthe original creditor was XXXX XXXX orignal creditor acct # XXXX, when I went to apply for a home loan the mortgage company pulled my credit and it does not show as being paid in full and still shows a monthly payment and shows as delinquet and was not deleted as promised by the creditor upon payment. XXXX has already deleted this off of my credit report and I would like to request that XXXX and Transunion does the same.