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

The following account is being fraudulently reported on my credit report : JP MORGAN CHASE AUTO FINANCE # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have previously contacted JP MORGAN CHASE AUTO FINANCE and XXXX, XXXX, and XXXX Credit Bureaus of this inaccuracy and have not gotten a resolution. I have never requested or obtained credit from JP MORGAN CHASE AUTO FINANCE, I am not liable for any debt to JP MORGAN CHASE AUTO FINANCE or any factoring company. The account holder responsible for this debt is XXXX XXXX XXXX ( SS # XXXX ), who is my ex-spouse. Please assist me with getting this fraudulent account deleted from my credit report.
Product: Payday loan, title loan, or personal loan

I took out a loan with XXXX XXXX XXXX  in XX/XX/XXXX. I have always made my payments. I lost my job recently. In XX/XX/XXXX, i receive a text saying they were going to issue a warrant for my arrest because i had not made my payment. At this time, im not past due. It matured XX/XX/XXXX. Well, XXXX   said i could not extend the lian and i had to pay up, or go to jail and taking truck. I didnt have enough money and im still trying ti come up with my pay off which is {$1400.00} give or take. My loan has bot reduced at all in the past two years of payments. Also, i was looking at the contract and it is illegal. It states the percentage is 12.5 and annual percentage rate is 152.08 % APR. That is over the mandated 12.5 % enforced by Ga. law. Georgia law states there is a cap on all pawn transactions in the state of Ga., not to exceed 12.5 % after the third extention. That is 12.6 % according to my calculations. Also, the threats with warrants, i do believe is illegal. They have strong armed me and have taken my vehicle and selling it because i xant pay what they say is due. I dont know what to do and i feel violated. The contract is not legal in the state of Georgia and i would think that makes my pawn transaction null and void according to Ga. law and they forfeit any interest due and have to give me my title, correct?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX and their continued inaccurate reporting of my account, which has negatively affected my credit report with Equifax, XXXX, and XXXX. The inconsistent handling of this account by XXXX XXXX, combined with their ongoing computer errors, has led to considerable confusion and financial harm. I request your assistance in ensuring that this inaccurate information is removed from all three credit bureaus as soon as possible. 

Account Details : Issuer : XXXX XXXX Account Open Date : XX/XX/XXXX Reported Balance : {$670.00} Delinquency Reported : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Account Status : Closed Issue Summary : XXXX. Fraudulent Charges Dispute : In XX/XX/XXXX, I reported to XXXX XXXX that there were charges on this account that were not mine. XXXX XXXX initially investigated and removed these fraudulent charges from my account. 


XXXX. Reintroduction of Fraudulent Charges : However, in XX/XX/XXXX, XXXX XXXX informed me that due to a computer error, the previously removed charges were re-added to my account. This error reintroduced charges that had already been identified as fraudulent, leading to further financial impact on my account and credit. 


XXXX. Confusing Communication from XXXX XXXX : On XX/XX/XXXX, XXXX XXXX sent me a letter acknowledging a computer error and stated they would fix the issue with my account points. However, this response did not clarify or resolve the fraudulent charges issue. Subsequently, they stated that the computer error would not actually fix anything related to the charges or my account status, which has left me completely unclear on their intentions. 


4. Incorrect Reporting to Credit Bureaus : As a result of these errors, my account continues to be reported as delinquent as of XX/XX/XXXX, despite being closed and initially charged off on XX/XX/XXXX. This inaccurate information appears on my reports with Equifax, XXXX, and XXXX, further damaging my credit profile. 



Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation. 

Resolution Requested : Immediate removal of the inaccurate information regarding this XXXX XXXX account from all three credit bureaus. 

XXXX that the balance of {$670.00} and any delinquency status related to this account be corrected to reflect the correct history and closure date of XX/XX/XXXX. 

Clarification and correction from XXXX XXXX regarding their computer error and reintroduction of fraudulent charges, as well as their acknowledgment of the errors they have made in handling my account. 


This issue has caused me significant financial and personal stress, and I am urgently seeking assistance to ensure that my credit report is accurate. I appreciate the CFPBs help in bringing this matter to a fair and swift resolution. 

Thank you for your attention to this complaint. 

Sincerely,
Product: Credit card or prepaid card

This account was not mine I explained this and they closed it but are still reporting a balance with the fraudulent charges
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

The reason for my dispute is that there are multiple discrepancies still showing even after filing my ID theft report. Remove the following immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, PHONE # XXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX ; XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; XXXX Opened XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; XXXX XXXX XXXX, XXXX ; EQUIFAX MORTGAGE SER XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; XXXX XXXX Opened XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX ; EQUIFAX MORTGAGE SERVICE 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized inquiry on my credit report as a victim of a data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I ask that you block and delete the following inquiry from my credit file : Unauthorized Inquiry to be Deleted : XXXX XXXX XXXX Inquiry Date : XX/XX/2023
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

Portfolio Recovery Associates, LLC has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. Portfolio Recovery Associates, LLC are in violation of 15 USC 1692.
Product: Money transfer, virtual currency, or money service

On XXXX I received a wire transfer from XXXX XXXX XXXX and Chase stated they received it on XXXX it was confirmed by Chase. Chase then put a fraud alert on the transaction. I found out about it from the person who sent the money from XXXX XXXX XXXX as they were contacted by the fraud department at there Bank and told what was going on, once everything was verified XXXX XXXX advised Chase there was no fraud and Chase has refused to release the wire transfer. This feels like I'm being discriminated against. I was assured the funds would be available by XXXX XXXX XXXX XXXX XXXX  and the funds still haven't been released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX
Product: Credit reporting 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 XXXXXXXX XXXX : Act. # XXXX, XXXX XXXX XXXX : Act. # XXXX, XXXX XXXX XXXX XXXX : Act # XXXX, XXXXXXXX XXXX XXXX : Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Act. # XXXX, XXXX XXXX  : Act. # XXXX, XXXX : Act. # 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple collections being reported to my credit file. A couple from XXXX XXXX XXXX and a couple from XXXX and XXXX. These collection are paid. I never received my 30 day right to dispute and wasn't even aware of these collections on my credit file until i had my credit pulled recently. I have filed multiple complaints and disputes with them directly and they are not responding to my disputes. I have sent in disputes to XXXX XXXX and, TransUnion with no response. This is absolutely ridiculous. I don't understand how they can add these collections to my credit file without advising and then refuse to remove or even respond to my disputes. I have made SEVERAL attempts to contact all parties involved to try and get my credit into better standings and have not received a response. I am very upset and i need these collections removed from my credit file ASAP. They have violated my rights and refuse to respond to me.
Product: Student loan

18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS Federal fraud law is defined under 18 U.S.C. 10011 as knowingly and intentionally doing any of the following : Falsifying, concealing, or covering up by any trick, scheme, or device a material fact ; Making any materially false, fictitious, or fraudulent statement or representation ; I never asked for a release authorization form, I never signed a release authorization form, Nelnet never sent me a release authorization form, I never completed a release authorization form there fore Nelnet never received a release authorization form from me. 


( XXXX ) To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX WHAT! 

I never asked for or signed a release of authorization form. 

A release of authorization form for what? 

I have no idea what you talking about! 

Is this NELNET continuing commit more fraud? 


-- -- -Original Message -- -- - From : XXXX To : XXXX XXXX Sent : Fri, XX/XX/2022 XXXX XXXX  Subject : Re : Release of Authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX I never asked for or signed a release of authorization form. 

A release of authorization form for what? 

I have no idea what you talking about! 

Is this NELNET continuing to committing more fraud? 






-- -- -Original Message -- -- - From : Nelnet XXXX XXXX XXXX To : XXXX XXXX Sent : Fri, XX/XX/2022 XXXX XXXX  Subject : Re : Release of Authorization Untitled Dear XXXX XXXX Thank you for contacting Nelnet XXXX 
We have received your release of authorization form, and added XXXX XXXX to your account. If you do not wish to have this person or entity listed as someone Nelnet is able to discuss account specific information with, please contact us as soon as possible. 
Were here for you when you need us. If you have any questions, please call us at XXXX or visit Nelnet.com. 

Sincerely, XXXX XXXX. 
Nelnet XXXX # XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX I had overseas health insurance ( I am a US citizen and was living in XXXX and they had very comprehensive travel insurance ) which paid in full the XXXX XXXX Emergency Physician, but it did take a bit for the hospital to negotiate with them. I handled the situation with AR Resources ( XXXX XXXX XXXX XXXX ) several years ago. Obviously, from my credit report their fees from 2019 were dropped. Suddenly, out of nowhere, these fees once again popped up but, this time, with a double entry and new minor fee. In fact, the lower fee of {$86.00} never existed. The {$930.00} fee is also a double entry. This is obviously an attempt to get me to pay as the way the entries are logged in they create multiple dings to my credit report.
Product: Debt collection

In reviewing my credit report on XXXX there is a collection account I do not recognize aXXXX XXXX XXXX XXXX XXXX in the amount of {$3900.00}. According to FCRA and FDCPA, debt collectors are required to send written notice before attempting to collect or report alleged debts. XXXX has violated my rights by not allowing me the 30 day " Right to Dispute ''. Additionally, this collection account is reporting as " Past Due '' which is also a violation of the FCRA and FDCPA. I am demanding the removal of this account from report.
Product: Credit reporting or other personal consumer reports

Ive noticed that this tradeline is not reported with the maximum possible accuracy, and this is a violation of my rights.
Product: Checking or savings account

USAA informed me that temp credits would reverse. I contacted USAA representative on 2 separate occasions to express that not only did I not understand the decision but also that the notice was short and would cause financial hardship. I was told that this would not be the case and said credits would not reverse pending further investigation. They reversed and resulted in my needing outside funding for day to day expenses as I was traveling at the time without funds.
Product: Consumer Loan

I co-signed for a lease jeep for my granddaughter and it was fine, now I get a letter saying Ally wo n't be the financial party and she has already taken possession of the vehical and and set up direct auto pay from her checking account. I have tried to get ahold of the credit reporting services and can not talk to them. I am in dispute for my credit because things are on there that should not be and I want to know why.
Product: Credit card or prepaid card

Zebit XXXX is fraud, they say all credit welcome, they lie, do not lie about anyone with all credit, I tried to purchase something for XXXX and they turned me down or say the credit spending limit is too high, they need to be investigated for false advertising and lying on their website all credit welcome they should accept my approval I am willing the pay the down payment, do not false advertise on something that is not true they do not even have a contact email they are credit PROFILING and it should stop
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX in the amount of {$450.00} and I mailed it to the Ally Payment Processing Center for my XX/XX/XXXX car payment. Then later in XXXX I was contacted by Ally Financial informing me that I was late in making my XXXX payment, and that I am incurring daily late charges. 

On XX/XX/XXXX, I called Ally four times to try and straighten this out, only to be repeatedly told by the customer service agent that my XXXX payment is delinquent and would I like to make that payment now? On one conversation I was put on hold and after 50 minutes with the agent not returning to the phone call I hung up and tried calling back again. 

I am writing to dispute the false record of my being delinquent on my payments and to complain about the horrible customer service. A XXXX XXXX XXXX XXXX, no. XXXX was mailed to Ally on XX/XX/XXXX and the money order was cashed by Ally on XX/XX/XXXX. I have mailed a letter of complaint including a copy of the XXXX and XXXX money order payment receipts. I have also now paid to Ally another XXXX payment of {$160.00} which includes the XXXX payment plus interest. Starting with my first auto payment I have been paying extra money on the loan thus my XXXX payment was actually reduced to {$160.00}, but as stated earlier I had sent them {$450.00} on XX/XX/XXXX. I made this additional {$160.00} payment so that they do not report to the credit bureaus that I am delinquent. I have now paid Ally {$610.00} for the month of XXXX and as of XX/XX/XXXX another payment is due.
Product: Credit reporting

on XX/XX/XXXX I submitted a complaint/dispute ( Case # XXXX ) regarding a hard hit inquiry on my Transunion report from XXXX XXXX on XX/XX/XXXX. Transunion never responded to my dispute and therefor is in extreme violation of the Fair Reporting Act time requirements. Therefor Transunion needs to remove this disputed hard hit inquiry from my credit report immediately.