23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed the XXXX XXXX account many times with all of the credit agencies. They have all removed it except for Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i opened a SYNC/XXXX  account. in XXXX it was closed, on XX/XX/XXXX it was removed from all credit credit bureaus, i called the bank, the bank said they have no record of my account, they ask me for my account number, i told them i only have the first six numbers or the last four numbers. they said its no good. i called the credit bureaus to ask if they can give me my account number. they the don't give full account number. 
Maybe the credit bureaus would give you the full account number .... 


the complaint is for SYNC/XXXX
Product: Credit reporting

Today, the morning of XXXX XXXX, XXXX I received a credit monitoring alert via Experian that a new collection has now hit my credit file. Upon reviewing this incident, I noticed that this is yet again another account that was apparently fraudulently opened in my name sometime in XX/XX/XXXX. The creditor is XXXX XXXX XXXX to which I have never had any type of account with them. I have been a XXXX customer since XX/XX/XXXX, had only XXXX number throughout the past decade. It is my intent to contact XXXX XXXX XXXX tomorrow morning, XXXX XXXX, when their Fraud department is in the office and also dispute this directly with them accordingly. The following information is what is currently reporting on my credit file : XXXX Original Creditor : XXXX XXXX XXXX XXXX ACCT : XXXX Open Date : XXXX XXXX, XXXX Balance : {$6500.00} I am also concerned that this account is reporting a different name/ address and any contact info other than my own. The only name that should be reporting on my credit file is : XXXX XXXX XXXX or maybe some an abbreviation of my middle name to XXXX. 

**Also, upon now reviewing a recent file # ( XXXX ) to look up this information online more accurately, it does appear that the name and address associated with this account is indeed not mine. Please dispute this information as FRAUD accordingly and have it removed as quickly as possible according to the FCRA. Thank you kindly for all of your help up to this point. I can honestly say that in my dealings with Experian over the past few months, I am certainly appreciative and humbled by your expedited help and professionalism you have exhibited to me through out this horrible ordeal. Thank you kindly and I look forward to this being resolved as well. 

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

I have disputed an authorized user, XXXX XXXX XXXX  card for several months. I disputed with Experian, XXXX, XXXX  and with XXXX XXXX. XXXX  XXXX representative " XXXX '' says there is nothing can be done. 

The problem is that I never authorized anyone to add me as an authorized user and this is FRAUD. I found out about this when I checked my credit report. I have asked that this account be removed from my credit report but none of the companies will do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/2021 regarding a Bankruptcy file that was submitted from Lexis Nexis to XXXX, XXXX, XXXX. I have not received any correspondent regarding the Method of Verification regarding Bankruptcy that was reported to the agencies. I was given Consumer Number # XXXX, Case Number # XXXX was also informed by the United States Bankruptcy XXXX XXXX XXXX do not report this information to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the help of Experian credit report agency, I submitted a dispute against XXXX XXXX and I received a notification that all the information is accurate and as a result none of the information on my credit score will be changed. Unfortunately, this account is fraudulent and was made with my consent. Someone with my personal information must of used my credentials to steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the deletion of Transworld Systems, who is reporting for XXXX XXXX XXXX, from my XXXX Credit Report in the amount of {$4700.00}. I have disputed this account several times to no avail. They continue to report it as accurate even though I have sent proof of my identity, which included a copy of my social security card so they could compare the numbers and they still say it's accurate and it is NOT. Reporting inaccurate information to someone's credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

I purchased a {$500.00} Vanilla Visa gift card from a grocery store on XX/XX/XXXX, within 24 hours, a fraudulent charge of {$440.00} was charged on the gift card. It was used in a store in another city. I called the company ( Incomm Financial Services ) on XX/XX/XXXX and got a case number : XXXX. After I submitted all the required form to XXXX I was told to wait 45-90 days. 

The only communication I received for my case so far is below on XX/XX/XXXX after I inquired about a case update on XX/XX/XXXX " Please be advised that disputes are worked in the order they are received. You should expect complete resolution within 90 days from received date ( XX/XX/XXXX ), however, most are resolved before then ''. 

They do not see to care about the inconvenience they caused to consumers. I do not believe the card packaging was tampered with when I bought it. This looks most likely as an insider job due to their failure to protect their backend system. 

It has been 2.5 months and I do not have any update on my case which is very frustrating.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to remove any incorrect accounts from my credit report. Can you check the documents? There are inaccuracies in the reporting of some accounts, including the amounts and dates.
Product: Credit reporting or other personal consumer reports

the information on the credit report was not authorized and needs to be removed. I have spoken with XXXX, XXXX and TransUnion however they are not complying with this request and failing to provide information about the information on the report. I have told them that that information was not valid on my credit report however they states that its going to stay on them. the following inquires needs to be removed from my report due to it being XXXX unauthorized. 

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

After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a XXXX representative stated was the remaining amount due. 

According to the payment history sent by XXXX on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of XXXX either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount XXXX stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via XXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that XXXX XXXX mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX  XXXX, VA. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.
Product: Debt collection

Midland claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223.

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties.

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}
Product: Vehicle loan or lease

Subject : Improper Execution and Assignment of Retail Installment Contract, Resulting in Wrongful Repossession I am filing this complaint on behalf of myself, XXXX XXXX XXXX, and the co-signer, XXXX XXXX XXXX, regarding the improper execution and assignment of our retail installment contract for the purchase of a vehicle. This complaint is being submitted in conjunction with FTC Report Number XXXX. 

The dealership, XXXX XXXX XXXX, issued a retail installment contract and required a power of attorney ( POA ) to authorize actions related to the financing of the vehicle. The POA was notarized by an individual who was also listed as the dealerships authorized representative, creating a conflict of interest and violating notary impartiality laws under Ohio law. 

The contract was assigned to XXXX XXXX, despite the improper execution of the POA. Based on this flawed documentation, the lender wrongfully repossessed the vehicle on XX/XX/year>. Both XXXX and I suffered harm, including financial losses, emotional distress, damage to credit, etal. 

Neither XXXX nor I were properly informed of the conflict of interest, nor were we provided with full disclosure of the dealership 's actions. 

The improper assignment and repossession violate consumer protection laws, including the Truth in Lending Act ( TILA ) and Ohio 's Consumer Sales Practices Act ( CSPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently saw that I have 2 credit cards that I never applied for. I am a housewife and don't work so never had the need to check my credit but when I recently chekced after a long time thats when I found out that there are 2 credit cards whch I have no knowledge of and are unathorized acccounts which ARE NOT BY ME THEY ARE OPENED FRAUDENTLY. I AM A VICTIM OF IDENTITY THEFT AND I AM JUST FINDING OUT ABOUT IT!!. I would like to get these both unathorized fraudentlt accounts off from my credit. These 2 accounts have hurted my score alot and during these hard COVID times i can not afford to loose another chance to miss on an oppeetunity.. These cards both have balances on them that I did not authorize at all. These Both credit cards are fraudlent. Please resolve this mater as soon as spossible as ths is an urgent case. 
Following are names are of unauthorized acounts 1.XXXX  XXXX XXXX   acount ending in XXXX 2.XXXX  XXXX Credit card Thats all the info I have.
Product: Money transfer, virtual currency, or money service

I have been trying to close my account with Paypal, but because there is a dispute open, I can not close it.

Twice in the last two months I have found that Paypal has cleaned out my checking account and maxxed my credit cards, to send money to woman that I do not know nor have I authorized the transfer. They take all my money and then say they will get back to me in 10 days. I have tried to call, but the computer does not let you get through,. I have emailed and faxed Paypal, but they dont read it. I continue to get emails back from Paypal that are completely unresponsive to the issue I have raised, or they send the same one over and over so you are just going around in a circle.

In XX/XX/XXXX, they sent {$1400.00} to some woman I did not know. It was refunded back to me, however, they must not have gotten it back from the woman, because a few months later they sent a bill collector after me to repay the {$1400.00}. 
Most recently, money was transferred to another woman from my checking account and credit cards. That money was returned but they continue to show this womans name on my account under Quick Send or Top Contacts. I have contacted them to remove any unauthorized names,, but they do not listen. 
The dispute that is open is left open from XX/XX/2018. It is shown as Being Reviewed by Paypal and Under Review. This is just an oversight ; it should have been closed along time ago, but Paypal does not read my emails. 
Once they have removed this dispute, I should be able to close my account. I trust them with all my money, yet they do not listen to me. I am not interested in working with a company who does not listen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify theft and i have been trying to get inquires and other debt collections off my report for months and no luck and i continue to get credit inquires on my credit report XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX  XX/XX/18 XXXX, XXXX   XXXX  XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX  XX/XX/18 XXXX XXXX XXXX  XX/XX/18 FIFTH THIRD BANK XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18
Product: Credit card or prepaid card

A Credit card was opened in my name without me applying for it.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. None - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My husband and I signed up to be mystery shoppers. We deposited two separate checks in the amounr of $XXXX each.  The bank released the checks and funds.  This was however a scam and gift cards were purchased and redeemed by the scammer.  We are asking that USAA our bank for over 20 years to be held accountable for releasing these funds from XXXX XXXX in the form of a cashiers check.  They are not protecting us, the consumer.  The scam has been reported to local authorities and the FTC so they are managing the scam.
Product: Credit reporting or other personal consumer reports

Beginning in XX/XX/year> the account in question ( GOLDMAN SACHS AND COMPANY ) was reported 30 days late and the processing of my payment to this company was sent back in error. Causing my credit score to go down and changed my good score to fair.

As a result, the company then closed my account and I loss access to the online portal which I pay my bill on. 
I've tried to pay the bill and the company ask me to verify that the bank account is owned by or that I'm the XXXX of the account I'm paying from. During the process of trying to pay for the account that I'm owner of, another late payment has posted for XXXX.
Product: Credit card or prepaid card

I have two accounts with NetSpend ( XXXX XXXX XXXX ). I requested they close the accounts after I withdrew my entire balance from BOTH accounts in XXXX of 2021, and requested an account cancellation for both accounts at that time. I was informed I could only do so via an e-mail request, and made the appropriate request for both accounts, and have never heard back despite submitting several requests over the course of the following months. I continue to receive monthly statements despite no balance in either account and want to be sure NetSpend cancels my account. 
Account Numbers : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well it started when I asked Experian to look into my XXXX XXXX account, which was closed and had erroneous information on it. It said that the account had been sold to another lender. Well they reaged the account that has been closed since 2013, and XXXX has it not showing a closing date. I try to fix one thing and they try to get me on another.i managed by to take photos of the old Experian account before they doctored the results. XXXX has it wrong to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Cease and Desist Order Against XXXX XXXX XXXX Afni, XXXX XXXX XXXX, XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX XXXX has breached its own terms and conditions by sharing my information with non-affiliates, Afni, Inc., without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, afni, Inc., XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX