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

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX and Equifax, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate 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

I was manipulated out of {$100.00} through a fake XXXX email and believing that I was working with XXXX, not a scammer. 

Date : XX/XX/2022 I received a scam email from an individual posing as XXXX customer service via email. The individual pretended to send me money for a purchase and {$100.00} extra to upgrade my account to a XXXX business account for purchases. 

Scammer proceeded to send an email impersonating XXXX with branded logos used as his profile emblem and in the email address itself. The email directed me to send {$100.00} through XXXX Chase in order for my payment to be released. I was told to send money to account : XXXX XXXX XXXX Transaction XXXX The email utilized XXXX XXXX logo and XXXX in its email name and was very convincing in appearing to be a legitimate customer service email from XXXX XXXX 

After the scammer was sent {$100.00} directly out of my checking account, he proceeded to harass and call me for hours demanding I send him another {$500.00} in order for XXXX to release his supposed funds. 

After realizing that the entire transaction was a scam, I quickly called Chase to open up claim # XXXX to stop payment on the pending transaction. 
I saw that the transaction was pending to an account also from Chase. Chase failed to stop the pending payment allowed the criminal to keep my money. 

Date : XX/XX/2022 Was denied the {$100.00} credit because Chase claimed I allowed for the payment to happen. However it was the fake email from XXXX that Chase did nothing to close down the scammer 's bank account or return my money. 

I was manipulated out of {$100.00} through the fake XXXX email and believed that I was working with XXXX.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 
XXXX XXXX XXXX, has violated my rights. 


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

in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXXXXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX  date of inquiry ( XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under consumer law Titled 15 U.S. Code 1681b - Permissible purposes of consumer reports In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

15 U.S. Code 1692c - Communication in connection with debt collection. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : These negative item does not meet the XXXX reporting requirements. I do not recognize how and why it is reporting delete immediately. 

therefore these following account fall under these parameters of consumer law XXXX management acct # XXXX Receivables performance acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX and Experian CRAS. On XX/XX/2020, I mailed XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Keeps call 7 times a day. Also early in the mornings and on Sundays and wo n't let up. 


AMAZON
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to remedy the situation but would not help correct these fraudulent and inaccurate accounts. 

XXXXXXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX communications XXXX ) XXXX XXXX XXXX XXXX  ( original creditor XXXX XXXX ) XXXX XXXX ( XXXX x reserve at XXXX XXXX ) XXXX XXXX ( original XXXX XXXX XXXX  ) XXXX
Product: Checking or savings account

Some one gained access to my prepaid bank off America account and spent XXXX $ I filed a claim at the begging of last year I was told I would recieve provisional credits nothing ever happend my claim was closed. Then I received and email saying they wanted to re open my claims, Still have not received the funds stolen from my account. I am the victim here I would like my money to be put back into my account in a timely manner my claim numbers are # XXXX XXXX # XXXX XXXX Bank of America phone number is XXXX Please help me
Product: Vehicle loan or lease

My leased XXXX XXXXXXXX XXXX was damaged while parked at my apartment building on XX/XX/XXXX. The damage estimate is about {$10000.00}. 
The person responsible reported the damage to his insurance company. My lease expired XXXX weeks later, on XX/XX/XXXX. 
It took XXXX weeks for the insurance company to approve the claim and another XXXX weeks to get it into a body shop affiliated with the closest Genesis dealer.

The car has been there for about a month waiting for parts needed to complete the repairs.

Genesis Cars can not source the parts needed and they are on back order with no estimate for when they will be shipped to the body shop. It is possible it could take several weeks, or months to get the parts needed. 
Genesis Finance is threatening me with a collection action unless I extend the lease term and continue making monthly payments of {$580.00} since I am late in returning the car. I have spent weeks giving it my best efforts to resolve this but have no control over this process. 
The third option is that I have the car sent to the Genesis dealer nearby with the repairs incomplete and they will assess me the costs of the remaining repairs. 
Either scenario will either cost me hundreds, or potentially thousands of dollars, or damage my XXXX credit score. I've asked the case manager at Genesis to intervene and explain the situation to Genesis Finance. They refused, saying the XXXX are totally separate entities and they would have no way to help. 
The case number assigned for this by Genesis Cars is XXXX. 
I did not damage my car and have no control over when Genesis Cars might find the parts needed to complete the repairs. Genesis Finance continues to hold me responsible for both. 
My car is at the XXXX XXXX XXXX XXXX in XXXX TN. XXXX is handling the repairs and can be reached at XXXX. 
Please let me know what more I can tell you about my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I added a new car lease On the same day, Experian lowered my credit score by XXXX points. There was no new derogatory information added to my account. My score has consistently been from XXXX to XXXX for the past 18 months. I have spoken to Experian several times and they will give no explanation for the large decrease. 

I have filed a complaint with the XXXX XXXX XXXX  however, they have not responded to my complaint. 

I want Experian to restore my credit score immediately.
Product: Debt collection

To Whom It May Concern, I am submitting this formal complaint and request for investigation regarding ongoing violations of my consumer rights by Jefferson Capital. I am disputing all debts you claim I owe and am revoking any consent for you to contact me via call, text, or email. Jefferson Capital has failed to adhere to specific consumer protection regulations, and I believe my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are being violated.

In accordance with the following laws, Jefferson Capital has not met the legal standards for communication and debt validation : 1. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) You have failed to accurately disclose all information about the debt you are attempting to collect, which affects my ability to fully understand and assess this debt.

2. 12 CFR 1006.34 ( b ) ( 5 ) You did not provide me with clear information about my rights to dispute the debt, as required under this regulation. 
3. 12 CFR 1006.34 ( d ) The required disclosures have not been provided within the necessary timeframe, preventing me from making informed decisions regarding the alleged debt.

4. 15 U.S.C. 1681s-2 ( 7 ) ( A ) Your continued reporting of this debt without substantiation and in violation of these regulations is materially damaging my credit report.

In addition to disputing this debt and revoking all forms of communication, I am formally requesting : Debt Validation Verification of the validity of this debt as required under the FDCPA. 
Purchase Agreement Proof of the original purchase agreement between the original creditor and Jefferson Capital that demonstrates your authority to collect on this debt.

Licensing and Bonding Documentation Proof that Jefferson Capital is licensed and bonded to operate within my state.

This situation has caused me considerable distress, and I respectfully request that you provide the requested information in compliance with federal regulations.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute an account on my credit report with the three credit bureaus. XXXX XXXX /XXXX. The account has been included in my bankruptcy. I want it added on as it should be there. I already sent letters to all the credit bureaus on XX/XX/XXXX and I still have not received any paperwork. 

Please have them send me something saying they've fixed this and placed it in a bankruptcy status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # has violated my rights .

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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

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

School balance was turned over to a collection agency. The agency was never in contact with me and the debt was paid to the school directly, who provided me with a receipt. The collection agency refuses to remove the collection from my credit reports even though the debt was not paid to them.
Product: Credit reporting

XXXX XXXX was included in bankruptcy and discharged it was listed as in collectionsI disputed it and they correct it then a month later it comes back as in collections open with a balance causeing a XXXX point drop in my fico score. 
I have disputed this XXXX times with them and it gets corrected then goes back to being reported wrongI want this account deleted as it appears eith they or kay continues to do me harm by doing this
Product: Credit reporting or other personal consumer reports

I submitted 5 disputes of XXXX $ XXXX, XXXX XXXX  and XXXX XXXX since last year and they still will not remove the account. They are not even investigating. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported, as their presence constitutes a direct violation of the FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ). It is imperative that these accounts and information are promptly removed from my consumer report to rectify the violation of these laws. I urge you to take immediate action and eliminate these items without delay.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the inaccurate information that continues to be reported on my credit report, despite my previous dispute attempts. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incorrect, and it is your legal obligation to respond within 30 days to my disputes. Regrettably, your agency has failed to respond not once, but twice, to my previous disputes. 
My previous dispute letters outlined the specific inaccuracies on my credit report and requested that you investigate and rectify them. To my astonishment, I have received no response, acknowledgment, or action from your bureau regarding these disputes. 
I want to draw your attention to the provisions of 15 U.S.C. 1681i Paragraph ( 5 ), which clearly states that if any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that information. It is disheartening that your agency has not adhered to this legal requirement. 
I insist on the immediate removal of the inaccurate information from my credit report, as mandated by the FCRA. The inaccurate information in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX - the information that you are reporting is not accurate- you have failed to investigate my inital requests- you have failed to respond to my inital requests This information needs to be DELETED immediately Failure to promptly rectify this situation will leave me with no choice but to pursue legal remedies and file a formal complaint with the appropriate regulatory authorities. I am prepared to take any necessary action to ensure that my rights under the FCRA are upheld and that my credit report accurately reflects my financial history. 
I expect a written response from your bureau within 15 days of receiving this letter, confirming the removal of the disputed inaccuracies. It is your legal responsibility to promptly address this matter and comply with the FCRA. 
I trust that you will take this matter seriously and resolve it promptly to avoid any further legal actions. 

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

I didnt authorize these transactions they are a result of fraud Im asking the creditors to remove ( 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 ) These are not authorized by me. Please remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$630.00} ; XXXX  XXXX Balance : {$4800.00} XXXX XXXX  XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

on several occasions my account would be frozen due to fraudulent activity. i was never able to agree or deny the transactions online. 

had to call on 3 separate occasions to get my contact information updated & was told it could take up to a month but that the request was submitted ( never was ). never received my pin for my savings account card. due to contact information not being updated. was not able to access my money in my account for over two weeks at one point. would continuously let the same companys charge account