23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I contacted U.S. Bank to payoff my vehicle close to lease end and I submitted all requested documentation on XX/XX/2020 ( documents were overnighted to the Bank ). After multiple calls with the Bank, they stated the account was paid-off on XX/XX/2020 and the title would take about 5 business days to be released and sent to me. Today XX/XX/2020 they are changing the story telling me the title will take another 10-15 days to be processed and sent to me. I clearly stated I was in a time crunch and provided a cashiers check so that the process would move along faster. Additionally, I requested an overnight of the title with my own XXXX  account and none of this helped. 

Every single time I contact the Bank, all representatives have different answers. Completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inquiries and accounts that I do not recognize or have reason to believe might be fraudulent. I would like to request that these items be investigated and removed from my credit report immediately. 

Firstly, I do not recall authorizing the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX on XX/XX/XXXX. Since these inquiries might be fraudulent, I am requesting their immediate removal from my credit report. 

Secondly, I can not recognize the account from XXXX XXXX XXXX ( account number : XXXX ) and would like to request that this account be deleted from my credit report. 

Finally, I have concerns about the legitimacy of the accounts from XXXX XXXX XXXX ( account number : XXXX ), XXXX  XXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), and XXXX XXXX XXXX ( account number : XXXX ). Either clarify the information related to these accounts or delete them from my credit report immediately. 

I believe that these negative items are impacting my credit score and ability to obtain credit in the future. I am committed to improving my credit score and being responsible with my finances, and I believe that removing these negative items will help me achieve this goal.

Thank you for your time and consideration in this matter. I look forward to hearing from you soon. 

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

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$4800.00}
Product: Debt collection

over the last week I paid in full any debt that appeared on all three bureaus. I cant upload documents. I called XXXX and he told me what to do but its incorrect. I have lived in only 2 states XXXX XXXX and XXXX  for past 8 years. I am back in XXXX. I have 21 pages to give to them so they can start from the beginning with my current address.

I need them to start the process by getting my current address correct
Product: Credit card or prepaid card

I am writing this letter about my synchrony bank amazon credit card, This is my third letter on amazon credit card in regards to dispute charges and balances not corresponding with available credit on my statements also charges not recognized. 
I called several time to amazon and synchrony bank but no one can not give me a positive answer on what is going, although the balances on the account is not matching the available credit. Checking the previous months to now the balances and credit available is not right on the account including purchases and payments made. I have tried in many ways to resolved this matter with them but everyone I spoke to give me a different answer. I would like to have an investigation done and also matter need to be justified accordingly. Thank you .XXXX  XXXX
Product: Credit card

I am in the process of making complaints through other agencies because they ignored recommendations from your company. This is my second complaint. 
As indicated in my previous complaint, I requested a balance transfer of about {$12000.00}. The company granted about XXXX of the amount. Then proceeded to apply it as if I had agreed to that amount. I did not. As a matter of fact, I never called to accept the credit card sent with that amount on the the card. Because of identity theft, The company would not know if the correct person received it unless I called from a number on application. Also, a company sends balance transfer checks so they the customer can call to know when to send payment in to determine the billing date. I never gave permission for any transaction to occur between myself, Bank of America, and XXXX XXXX. The solution is for Bank of America to reverse the charges and send the {$4000.00} plus back to XXXX card. Otherwise, this is blatant credit fraud. I will not submit to a payment that I didn't ask for nor did I approve. Please do what is necessary to fix this problem. I am sure this unlawful practice have been done to others. Thank you for your assistance. Hopefully, you will prevent this from happening to others.
Product: Prepaid card

cash app has prevented me from unlocking my card and wont allow me to unlock it with my pin number they asked me for id verification of address I have had the account for four years and now they need verification of ID i send in my DL they wont unlock the card until I recieve an email back from them with no provided timeline meanwhile I need to use the funds on the card that came from my paycheck the card has been locked for 3 days, I asked to speak to a manager and they said managers only reply in emails no provided timeline for that either
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was suppose to be a pre approval but it was a hard inquiry. 
Transunion has a hard inquiry on my credit report. There shouldnt be a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an old account appearing on my credit file with XXXX from XX/XX/2013and now this account appears as a new account with some company named XXXX  showing opened this year just a few months ago. It's re-aging an item that is hitting my scores hard.
Product: Credit reporting or other personal consumer reports

Personal Information was leaked in Data Breach an I have unknow inquires on my credit unknown resources and I contacted them and They gave ma a time frame and Did Nothing. This has cause my credit to drop Drastically. XXXX XXXXXXXX Credit as well XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute to all 3 bureaus for XXXX information them that XXXX was in litigation and was deemed a predatory lender with proof of this information. Also I previously sent a dispute showing how they are reporting different last active dates with all 3 bureaus and have re-aged this debt which a major violation and they refuse to remove this erroneous and inaccurate information. According to the FCRA the bureaus are required to report accurate information on my credit report and they still refuse to do so for XXXX  if needed I will file a civil suit with a Consumer attorney because I am being treated unfairly as a consumer with your reporting. Please remove this account permanently from my report. Attached please find my previous dispute along with proof of the litigation from XXXX. I have also attached my Driver 's License as well as my utility bill for proof of identity. Please consider this my written authorization. 

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

I am interested in processing disputes on my credit report with Equifax to remove an delete all inaccurate information that is hurting my credit report. looking over my file its alot that needs to be corrected. delete all invalid information to correct my credit report 100 % asap.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I sent dispute letter to Americollect to dispute the collection on my credit report.. I request proof of debt, the date of the alleged XXXX service, and proof of my singature and etc. Americollect did not respond to the letter by 30days to respond by. By not respond they should took thid item off my credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle many of times and reporting discrepancies, my finical institute and Zelle failed to intestate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicated that Zelle has not only neglected to protect me and consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scammers. This lack of associability and transparency us unacceptable and raises serious concerns about consumers safety.
Product: Payday loan, title loan, or personal loan

I went into my local Check into Cash on XX/XX/19 to pay back an existing payday loan and re-loan for the same amount as I have done in the past every 2 weeks. Each time I go they force me to sign paperwork stating I agree to have check into cash run my credit to see if I am eligible for additional products they may offer. Each time I tell them that I do not want additional products and services they offer and that I just want to continue with the existing payday loan they tell me I can not re-loan unless I sign that line, removing my ability to opt out. The company has posted 4 hard inquiries on my credit report for no reason and will not give an explaination as to why the inquiries are necessary. The hard inquiries are hurting my credit report and effecting my credit rebuilding process negatively. I am not applying for additional services nor have I inquired about them but instead am being forced to have hard inquiries posted to my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I was approached by XXXX men when I was walking in a park ( XXXX XXXX XXXX XXXX, XXXX, IL ). They asked me to donate {$5.00} to their group, and I said okay. They insisted that they didn't want cash though because of COVID. I said okay and opened my Chase application on my phone to donate {$5.00} to them using XXXX on the Chase application. One of them took my phone to " put in their phone number ''. However, what he actually did was transfer {$2000.00} to himself. Afterwards, he deleted my Chase app, gave my phone back to me, and they went away. 

I immediately went to the police station after this happened and filed a report. I also called Chase and XXXX to report this unauthorized transaction. Both Chase and XXXX insist that the other company or the police is responsible for this case. I have filed a claim to Chase and they have done nothing but redirect me and file the information I've been giving them incorrectly. A couple of weeks ago, they turned down my case and said there was nothing they could do because it was an authorized transaction. 

I have a police report showing that this was a crime and not an authorized transaction. I also have never sent such a large amount of money at a time to anyone from my bank account. I don't have any digital or banking history with the person who stole my money.
Product: Debt collection

i am not liable for this debt with XXXX XXXX XXXX. i do not have a contract with NCA. they did not provide me with the orignal contract as i requested. they are also reporting this account incorrectly. this collection account is reporting not only as open but also shows a past due balance of {$920.00} according to the FCRA i have the right to an accurate credit report. please remove this account immediately from my credit report. please provide me a copy of my new credit report reflecting this account removed upon completion sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Debt collection

Bonneville Collection Debt Agency called me and my husband repeatedly for about a month now. Harassing with 4 to 5 calls each a day. However today on XX/XX/2021 they called my mother and my husbands mother-in-law over {$300.00} that was owed. My mother immediately called me concerned. They should not be reaching out to my husband 's mother-in-law on his debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX THERE IS A CHARGE OF {$1800.00} BY XXXX XXXX XXXX XXXX XXXX. 
I SAW THIS ON MY CREDIT REPORT IN COLLECTION. FOR XXXX BANK. 
ICALLED XXXX BANK THEY HAVE NO KNOWLEDGE OF THIS ACCOUNT, NOR OF THIS XXXX XXXX XXXX XXXX XXXX. I HAVE PROTESTED THIS XXXX TIMES TRYING TO GET THIS OFF MY CREDIT REPORT AND THEY STILL HAVE THIS ON ME. THEY SAY IT IS MY ACCOUNT.BUT THEY SEND ME NO PAPER WORK OR PROOF OF THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

I don't understand if those items were disputed and deleted from my credit report why they're still showing on my credit report as a negative item, this is really unfair to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of them is showing as negative on my credit report which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 
in accordance with the fair credit reporting ( XXXX XXXX XXXX  ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 6802 - Obligations with respect to disclosures of personal information ( i have a right to privacy ) 15 U.S.C 168` Section 604. Permissible purposes of consumer reports In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other inaccurate information and account number there's no real investigation ever conducted!! under FCRA section 611 ( a ) ( 6 ) & ( 7 ) i request you to give me full METHOD OF VERIFICATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a settlement agreement with Best Egg. And that is to pay them XXXX in 24 months 23 payments of XXXX a month and final payment of XXXX. That equals XXXX. Now best egg is saying I have a past due amount, and that is showing my last 15 payments to be late, and now my credit is junk. I have an email from Best Egg explaining are agreement. All my payments have been on time from date on agreement XX/XX/XXXX to my last payment date of XX/XX/XXXX. Also they have the wrong balance due amount and the length of agreement it is 24 months not 36 months
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX XXXX  violated my rights. 
15 U.S.C 1681 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
Product: Debt collection

I found several incorrect and fraudulent accounts on my most recent credit report that were added without my awareness.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to remove false derogatory information from my credit report. They say that they investigated the issue but as far as I can tell, their investigation lacks any credibility. Apparently they just take the word of anyone who says they are owed money and damages my credit report without having a serious dispute process. I have the right to see the proof of debt and demand that this be provided me. I have a right to a serious dispute process and that my side be taken into account. This was not done. It should be illegal for TransUnion to cause me this harm and refuse to correct it. I need to see all documentation that was provided to them as part of what they claim is their investigative process. I must be able to dispute the false information. They have no proof of a legitimate failure on my part to pay a legal debt, since I do not owe any money that is being claimed and they have no proof ( not unfounded comments ) to the contrary. Attached please find documentation I sent TransUnion and which they have failed to act upon.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} DPT EDXXXX XXXX Balance Owed : {$4200.00} DPT EDXXXX XXXX Balance Owed : {$6300.00} DPT EDXXXX XXXX Balance Owed : {$3200.00} DPT EDXXXX XXXX Balance Owed : {$3500.00} DPT EDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX CARD XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XX/XX/2023.
Product: Debt collection

I am not sure what happened, my mother gave my personal information to a man months ago, who opened different accounts that were not me. I have filed a police report and am trying to dispute the charges from several companies.
Product: Debt collection

After reviewing my credit report I found many inaccuracies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. 
According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX | XX/XX/year>, XXXX XXXX XXXX : Account number : XXXX, and XXXX XXXX XXXX : Account number : XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.