23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The following account is hurting my credit rating, credit standing, and credit capacity TD BANK USA/TARGETCRED [ Account # XXXX ]. Pursuant to section 623 ( b ) ( 1 ) ( E ) ( ii ) I am demanding that this agency removes this account from all of my consumer reports as it is inaccurate, incomplete, and/or unverifiable. This account was removed from a consumer reporting agency because it did not comply with the FCRA therefore as a supporting documentation, your agency now has a reasonable cause to believe that the furnished information is inaccurate and must be permanently removed from my consumer reports.
Product: Money transfer, virtual currency, or money service

I had a listing up on XXXX XXXX for a fish tank and a lady messaged me on XX/XX/2022 at around XXXX saying she wanted to buy it. It was {$20.00} and she said that she wanted to use XXXX, which I agreed to since I used it before and had no problems with it. I got an email saying that it was put on hold because she sent it with a business account and I had a personal account so it asked her to send {$250.00} to meet the requirement. I haven't used XXXX much so I thought that it was true and went with it. She sent me the money and afterwards, XXXX emailed me again to refund the money to her. I did and sent her {$250.00}. I got a 3rd email saying that I had to pay a {$300.00} fee and that's when I got suspicious and confronted the lady. She blocked me so I have no way to get her to send me the money and Chase said that they can't because I authorized the payment ( which, I didn't. I tried to send another message saying no but it did nothing. )
Product: Credit reporting or other personal consumer reports

Hello, I hope this message finds you well. I need to bring to your attention an issue that has caused me significant distress. Ive been a victim of identity theft - my information was used fraudulently, and as a result, an unauthorized item has appeared on my credit report. I have no connection to this account, and its presence is both unwarranted and deeply troubling. Following Experian 's advice, I promptly filed a report with the FTC and provided all necessary documentation to resolve this matter. However, despite these efforts, the fraudulent item still remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company failed to respond to issue in previous complaint : XXXX. 

Incorrectly reporting conflicting information. The loan can not be late in XXXX when it was paid and closed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX Credit Report is has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Capital One Account # XXXX... have violated my rights according to 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. 

Capital One Account # XXXX ... charge off late status and all of its dates are incorrect. I have attempted several times to get this fraudulent, inaccurate account removed and to avoid my rights they say its a duplicate request. No it is not! It is a valid request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times to fix this issue and to no avail, nothing happens. I will disclose the last letter that was sent 11 days ago to the credit bureaus because the letter that was sent in XXXX as well as my cfpb complaint fell on deaf ears. Also, please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion have reported a 30-day late payment indicator on my credit report with the creditor, ( XXXX XXXX XXXX ) , which is incorrect and is currently showing on my credit report. The two accounts from this creditor that I am referring to is the account balance of : {$34000.00} and {$110000.00}, which the account was opened XX/XX/2021, and XXXX XXXX. I have never paid 30-days late and when I contacted XXXX XXXX XXXX XXXX, they said that their system is not showing it and that I am current and they did not report that 30-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, XXXX and TransUnion and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are 6 counterfeit note report for each individual debt Please send to agency listed on each counterfeit note report.

Debt has already been paid in full Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name?

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract.

# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX account holder 100 % payment History and my accounts ws closed and reported and charged off after I reported fraud claims..
Product: Debt collection

Last XXXX I get a call about a debt on a credit card. I told them I didnt make those charges but they kept telling me they were gon na sue and it was going against me. That it would follow me and when I got a job they would garnish my wages. I paid 2300.00 but that wasnt good enough, they then served me from my local sheriff dept. I have since then set up payment arrangements because I dont want to go to court. But again this is a bit my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a complaint with the federal Trade Commission over a issue that has been on going since XX/XX/2018 I need my credit report update properly for the third time with all 3 credit bureaus XXXX XXXX, Equifax, and XXXX. Please see attached complaint.
Product: Credit card or prepaid card

I had an Old Navy credit card since XX/XX/XXXX. As ofXX/XX/XXXX, my account was closed. I had 2 times of being 30 days late ; XX/XX/XXXX and XX/XX/XXXX. I decided to pay the balance in full in XX/XX/XXXX/XXXX of XXXX. After paying the card off, they closed my account with no reason why. 

As for Synchrony Bank, they have had more negative impact on my credit and my credit score more so than any one company. THey are forever checking my credit and decreasing my credit limits which in turn reduces my credit and shows that I am over the limit. That is causing a negative impact on my score.
Product: Credit card

XXXX XXXX furnished a transaction as Late to { { XXXX, XXXX, XXXX } pick which CRA the late payment is on } }. 

My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report 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.
Product: Vehicle loan or lease

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Fraudulent Activity by Mercedes-Benz Dealership Dear Sir/Madam , I am writing to file a formal complaint against a Mercedes-Benz dealership regarding fraudulent activity in connection with my recent vehicle purchase. Below are the details of the issue : 1. Fraudulent Signing of Documents : The dealership signed my name on documents without my authorization or consent, binding me to terms that I did not agree to. These documents significantly inflated the purchase price of the vehicle and resulted in an unfavorable and unexpected interest rate. 
2. Attempts to Resolve : I have made multiple attempts over the past year to resolve this issue directly with the dealership, but my concerns have been ignored, and no action has been taken to rectify the matter.

3. Impact on Me : This fraudulent activity has caused financial hardship, as I am now burdened with an overpriced vehicle and an unfair loan agreement. Furthermore, I feel violated that my signature was misused in this way. 

I am requesting that the CFPB investigate this matter thoroughly and assist in resolving the following : Void any documents that were fraudulently signed. 
Adjust the purchase price and financing terms to reflect the fair value of the vehicle.
Product: Student loan

I submitted a payoff to Navient on the loan ending in XXXX on XX/XX/XXXX, in the amount of XXXX, resulting in an overpayment of {$57.00}. Navient held onto this money for over 2 months due to internal policy, never asking me where to send repayment, and instead decided it must be the XXXX and issued a check that was sent to the wrong address. 
Regardless of whatever their internal reasons for delay were, this - {$57.00} balance was open and active from XX/XX/XXXX until it was finally returned to me on XX/XX/XXXX. And, per our contract, 5 % interest is due on any loan amount. I hereby demand Navient pay me due interest on their borrowing of {$57.00} for me for 2 months, which with 5 % daily interest on {$57.00} over 55 days comes to about {$0.00}. 
I wouldn't be this petty if it weren't for the equal treatment I've received from this savage monstrosity of a company. I request simply what I'm owed per our signed promissory note. Please find my signed promissory notes with Navient attached.
Product: Money transfer, virtual currency, or money service

I fell victim to a multilayered scam operation orchestrated by XXXX ( XXXX XXXX ) and innocently lost {$190000.00} USD of my hard-earned life-savings. It started in XX/XX/2022 when a woman claimed to misdial a phone number asking about a client. We started talking to each about personal life and over the course of a few months she recommended cryptocurrency trading for making money through Crypto.com and XXXX. I was intrigued and unknowingly decided to put money into the XXXX  platform thinking it was a legitimate trading company. XXXX XXXX cleverly orchestrated a prevalent scheme of deception to lead me to invest significant sums while knowing that those would-be investors would ultimately lose the money, they had entrusted to it. The overall purpose of the scheme, in other words, was to target and defraud me who is inexperienced and nave in the cryptocurrency market, in pursuance of illicit wealth through various fraudulent representations. I did not know, and through the exercise of reasonable diligence could not have discovered, the fraud that was being perpetrated upon me by XXXX XXXX. Due to personal circumstances, I was particularly vulnerable during the victimization period ; I was also relatively financially illiterate and very inexperienced in the finance sector which made me a prime target for criminal enterprises in this field. To be clear, people who have been scammed such as myself, are not individuals who have made poor investment decisions. They are people who have been tricked, lied to, deceived and emotionally manipulated.
Product: Debt collection

Credit acceptance, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under XXXX XXXX credit reporting and fair debt practices act. they deliberately failing to respond to demand letter and credit letters adequately. I have been demanding proof of a debt they breach of contract. I signed the contract, XXXX XXXX ( grantor and settler ) all right reserve authorize agent, nunc pro tunc.
Product: Credit reporting or other personal consumer reports

Back in XXXX Wells Fargo handled my car loan under my maiden name XXXX XXXX XXXX. They contacted me saying my account was late however, I had paid on time every single month. I told them this was incorrect and they denied their error. So I paid it off in full and closed the account. They then added a delinquency to my credit report for months even after I closed my account out of spite. I disputed the claim. I threatened to contact the CFPB and then they then began sending me checks in XXXX for the late fees I had paid them and the incorrect interest they charged. It had been so long that even my name had changed to XXXX XXXX as I got married. Regardless of the checks they cut me, I disputed their incorrect claim in written form to XXXX, XXXX, and XXXX reporting Wells Fargo to get the error off my report. They responded to me saying Wells Fargo will not release information nor remove the ding on the credit report. 

Now years later in XXXX I still see this ding on my credit report and it's interfering with my home buying power. All other debts I've ever had have been paid on time. I am very organized and responsible in every way so that also is vouching against Well 's Fargo 's error. I keep my debt low, I don't even have a parking ticket on my record. I need Wells Fargo to remove the late payment from my credit report. I dont know where else to turn aside from legal action. Please help me.
Product: Credit reporting or other personal consumer reports

I have contacted this company about the inaccuracies found on my Experian file on XXXX, XX/XX/2024. 

XXXX XXXX XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX with a balance of {$5200.00}. 

The following account is reporting a balance of {$5200.00} which to my understanding that because this debt was charged off that it should be reporting a {$0.00} balance. This indicates inaccurate reporting. 15 USC states that I have the right to accuracy and fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance XXXXXX/XX/XXXX {$1700.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated, my rights. 
15 U.S.C 1681Section 602 A. & Section 2. 

I have filed a report with the FTC, contacted the creditor, the credit bureau and have sent letters via mail to the credit bureau. 
I demand that this item which is incorrect, be removed immediately from my credit report as soon as possible. 
This innacurate information is preventing me from buying a home, and I need it removed as soo an possible. Company and bureau have failed to provide proof that this account belongs to me.
Product: Debt collection

XXXX has been reporting this charge off/Repossession on my Credit report since XX/XX/XXXX. I have sent XXXX several letters for verification of Debt. Last one sent on XX/XX/XXXX. The response I received stated there is no account found with the information given or my account has been found Frivolous. 

XXXX has Re-Aged this account, XXXX states this Account was opened on XX/XX/XXXX XXXX states this Account was Charged off on XX/XX/XXXX, Payment history reported by XXXX to XXXX XXXX as of XX/XX/XXXX XXXX reported Charge Off as of XX/XX/XXXX to XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX Last payment date : XX/XX/XXXX. XXXX has deleted since deleted XXXX from my credit file. 

Payment history reported by XXXX to Transunion XXXX states this Account was opened on XX/XX/XXXX Last activity : XX/XX/XXXX Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$23000.00} Payment history reported by XXXX to XXXX XXXX states this Account was opened on XX/XX/XXXX Last activity : None Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$7000.00} XXXX has continued to re-Age this account and report Major Inaccuracies. I am requesting that this account be deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX
Product: Debt collection

I reviewed my Credit report and discovered an account in collections. I only found this because I received a notice from a different debt collector for the exact amount of money. as the debt on my credit report. I had previously disputed this with 2 of the Credit Bureaus and had not been informed of the results. I was not provided with verification of how this process was completed. or given any of the information related to the unknown debt other than the debt collectors name. I attempted to file a second dispute on-line and was not allowed to do so. If i don't get the needed results by filing this complaint I may have to file a complaint on the Credit Bureau for denying me the right to dispute and not following up on my request to send documentation of the investigation to me..
Product: Credit reporting

I saw it have XXXX different issues in collections. I have no idea as to what they are from. A few months ago I had received calls from a pool supply store. I told them that I did not order anything, and did not receive any sort of billing statements. I told them who the individual was who took Mt card information and have n't heard from them since. I have tried to contact the collection company and the phone # is no longer in service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2024 TRANSWORLD SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute the validity of the collection account that your agency has placed on my consumer report. Despite my repeated requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency is concerning and calls into question the accuracy and legitimacy of the debt you are attempting to collect. 

Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my right to challenge the accuracy of the debt is a violation of federal regulations and undermines the integrity of the collection process. 

Your agency 's use of false, misleading, misrepresentation, and deceptive means in attempting to collect this debt is unacceptable and constitutes a violation of my consumer rights. Such tactics are not only unethical but also illegal, and I demand that you cease these practices immediately. 

Additionally, I assert that your agency does not have the authority to furnish any account to consumer reporting agencies without providing all required disclosures as mandated by law. Your failure to comply with the provisions outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further undermines the validity of the collection account in question. 

I must also emphasize that I have not received any correspondence from your agency regarding this matter. If you have indeed attempted to contact me via mail, I request that you provide the tracking number to verify delivery. However, please be aware that due to my current living situation, I am unable to receive mail at the address you have on file, and any communication sent to that address would not have reached me. 
Furthermore, I am formally revoking all rights of your agency to communicate with me through email, text, or calls. Any further attempts to contact me through these means will be considered harassment and will be dealt with accordingly. 

In light of these concerns, I hereby request the following : Debt validation : Provide detailed validation of the debt you are attempting to collect, including the original creditor 's name, the amount owed, and proof of my obligation to pay. 

Purchase agreement : Furnish a copy of the purchase agreement between your agency and the original creditor, demonstrating your legal right to collect this debt. 

Proof of licensure and bonding : Provide evidence that your agency is licensed and bonded to operate in accordance with state and federal regulations. 

Deletion of collection account : I demand that you immediately delete the collection account from my consumer report, as your failure to provide adequate validation and comply with relevant regulations invalidates the legitimacy of the debt. 

Failure to comply with these requests will leave me no choice but to take legal action to protect my rights. I expect a prompt response to this dispute letter and a resolution to this matter without further delay. 

Sincerely, XXXX XXXX
Product: Debt collection

I recieved a notice today that I owe Capital One Bank XXXX. The letter claims this debt is from XX/XX/XXXX. I was sent the notice by XXXX XXXX XXXX XXXX. This is alarming for numerous reasons... I dont remember this account or credit card and if it was in fact in year XXXX it would have been paid off. My ex husband paid off all my debts that year, or probably included in my bankruptcy filed back in XXXX. Regardless of the situation this is alarming in that this is an illegal debt collection because its from over 9 YEARS ago. I'm concered that this may be a scam of some sort and its very concerning. Im not sure what to do and I'm also concerned how they could have possibly got my information. My address is private and I'm in the address confidentility program.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/year> RE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 


XXXX XXXX XXXX XXXX, FL XXXX