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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XX/XX/XXXX 2. XXXX XXXX XXXX 3.XX/XX/XXXX XX/XX/XXXXE 4. XXXXXX/XX/XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XX/XX/XXXX 7. US DEPARTMENT OF EDU 8. XXXX XXXXXX/XX/XXXX XXXX 9. XXXX XXXX
Product: Payday loan, title loan, or personal loan

I NEVER GOT A LETTER ABOUT MY LOAN HOW MUCH I NEED TO PAY AND I GET A EMAIL Our Reference # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX Current Creditors Account # : XXXX Original Creditor : XXXX  , XXXX  Original Acct # XXXX Current Account Balance : {$760.00} AND I NEVER A LETTER BEFORE I DID THE LAST COMPLINT
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at around XXXXXXXX XXXX PST after checking my credit reports on XXXX I noticed that my XXXX credit score was much lower than it was at the other bureaus. I saw that it was because my credit mix was poor. Upon further investigation I noticed that my student loans which total {$110000.00} over 8 separate loans, the oldest of which is 13 years and 2 months, are not showing on the XXXX credit report. Therefore my XXXX XXXX score on XXXX is showing as XXXX whereas on XXXX it is showing as XXXX. Obviously, this is a huge discrepancy and has completely blocked my ability to apply for credit. 

At about XXXX XXXX., I called XXXX to file a dispute. They informed me that I would need to contact AidVantage, my loan servicer, as they only " report what they're given, so if nothing is showing, then it's not going to show up. '' At around XXXXXXXX XXXX., I began chatting with " XXXX '' on the AidVantage website. At first she told me to contact XXXX and file a dispute. I told her I already did that. She then told me that the " request has been submitted '' and that I'll receive a piece of mail with regard to the request in 2 to 3 days. I told them that that was unacceptable as I didn't submit any formal request and would like to at least have confirmation of what information was being sent and to whom. She told me that these requests are handled through US mail. I told her to show me the policy. She told me that she would send me an email containing the policy within 2-3 hours. I told her that an email would not be necessary and she should just send me a link to the website containing the policy. She directed me to the " Credit Reporting '' page on AidVantage 's website.

On this web page it says that " To dispute your credit report with Aidvantage, please send supporting paperwork to Aidvantage by postal mail at the address below. In some cases, we may be able to address your dispute or answers questions you may have about how to dispute your credit report with a phone call. '' However, the web page did not provide AidVantage 's phone number, so I had to go to the contact page to retrieve the phone number. XXXX When I called, a person named " XXXX '' answered. I gave her the same information as the chat agent and once again was told that I needed to contact XXXX. I gave her the same information before. She tried to get off of the phone. I told her that this is unacceptable and that I would like to talk with a supervisor. She placed me on hold for several minutes. 

Eventually, a man answered the phone but the phone cut out when he introduced his name so I do not have that. I repeated the same information and he informed me that my request was being sent to the " Credit Reporting Team '' at AidVantage. I asked to be transferred to that department. He said that the only way I could contact them was the through US Mail. He then told me that the request had been " expedited '' and that I would receive a piece of mail with the results of the " investigation '' within 24 to 48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit report and have realized that LVNV FUNDING LLC has put a collection account on my credit report and is reporting a past due balance and late payments onto my credit report. In the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. LVNV FUNDING has marked my this account as a late payment on each and every one of those months. This account can not report late payments on my credit report. Last time I checked I didn't have an established due date with this collection therefore how can there be multiple late payments. I have NEVER AGREED to pay this collection. We never signed a contract or a verbal agreement ever. If you dont have a contract or have received an application from me and have not approved me for credit you can not assign me a due date nor a late payment or a past due balance. 
This is a violation of the FAIR DEBT COLLECTIONS PRACTICE ACT- section 807 violation misleading false reporting.
Product: Prepaid card

My work XXXX  card with Capital One Financial was charged on XX/XX/year> for {$450.00} to XXXX XXXX XXXX. I received a letter they need docs to verify or my debit card will be deactivated. I did not make this charge. I filed a dispute they closed it. I called multiple times and they can not find anything for this amount under my name. I know XXXX cards were hacked and I believe that is what happened here and I can not get a resolution. My card was deactivated and I lost the remaining balance on my card to no fault of my own. I have been attempting to resolve this for the last 10 months and no one can find this charge. I could not even enroll this year and lost money due to this situation.
Product: Credit card

Subject : Request for 1099-C Form Hi, I hope this message finds you well.

I have noticed that an item has been charged off on my credit report, but I did not receive the 1099-C form for this. Could you please send me the 1099-C form at your earliest convenience?

If you have sent it to me previously when you should be, please provide proof of sending 1099-C. 

CCB/BREADCASHBACK : XXXX Thank you for your assistance.
Product: Checking or savings account

Truist bank take my paycheck that was direct deposited from my employer with out noticing me And cause me hardship while I m in training at my new job. 
I was left with nothing and I was not able To pay my car insurance and was not able To pay my car note because XXXX have have Any notice that their gon na take paycheck. 

Spoke to the supervisor XXXX And XXXX the manager Both refuse to returned my paycheck Then I just I recieved a notice that I make a payment That I never did. 
And then their took my paycheck like I make a payment. 

The supervisor told me is a bank rules. 

XXXX XXXX XXXX. XXXX
Product: Vehicle loan or lease

Formal Complaint and Request for Investigation : Unlawful Repossession by Ally Financial and XXXX XXXX  Dear CFPB I am writing to formally submit a complaint regarding the unlawful repossession of my vehicle on XX/XX/year>, by XXXX XXXX on behalf of Ally Financial. I believe this action violated my rights and was carried out in a manner that does not comply with applicable laws. 

I request restitution for the unlawful repossession and wish to retrieve my personal belongings from the vehicle today at XXXX PM. Please confirm that no additional keys will be made to avoid incurring further fees. 

Additionally, I would like to highlight that a bank wire transfer payment was made prior to the repossession. I have attached the confirmation for your reference. 

I also want to bring to your attention that XXXX XXXX has already made a key for my vehicle and charged an additional fee. XXXX, an employee at XXXX, informed me that she could not provide the amount for this fee and advised me to contact Ally Financial for that information. I believe this practice is not only unethical but also illegal, as it appears that my vehicle was repossessed without proper notice and due process. 

Furthermore, I allege that the notices sent by Ally Financial to borrowers before and after the repossession of their property did not comply with New Yorks Uniform Commercial Code requirements regarding form and content. While Ally Financial denies any liability concerning these issues in the ongoing class action lawsuit, they have agreed to a settlement, and the Court has not yet ruled in favor of either party. 

I request that the CFPB investigate this matter thoroughly, as I believe my rights as a consumer have been violated. I am prepared to provide any additional documentation or information necessary to support my claim. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

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

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name XXXXXXXX XXXX Account Number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX/DEPT OF ED Account Number : XXXX Account Name : XXXX/DEPT OF ED Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX ChexSystems, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX  ChexSystems, and XXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXXXXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, ChexSystems, and XXXX report. Specifically, I ask that : XXXX. XXXX, ChexSystems, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, ChexSystems, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, ChexSystems, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

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

I opened a credit card with American Express on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Common Pleas Court case number XXXX XXXX XXXX ). 

I also opened a credit card with XXXX XXXX XXXX on XX/XX/XXXX ( card ending in XXXX ), which went into collections and resulted in a debt collection lawsuit being filed against me in XX/XX/XXXX ( XXXX County Municipal Court case number CVF XXXX ). 

I settled both cases that year and I have since paid the debts off completely. However, American Express and XXXX XXXX XXXX both continue to report these accounts negatively. The negative reporting is driving my credit score down and I need the information to be updated with the CRAs to reflect that these disputes have been settled and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX XXXX.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being XXXX by the FTC.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name Is XXXX XXXX. I have sent numerous letters ( certified ) to Equifax Credit Reporter Agency, in regards to information ( 5 derogatory remarks ) from XXXX XXXX XXXX, that they have not " verified '' in accordance to FCRA Law through their investigative practices. I have sent 4 certified letters to Equifax about this matter They have responded each time, that their investigations of my complaints against XXXX XXXX XXXX, has been " Verified. '' In each of my response back to Equifax, I noted that " In accordance to FCRA section 609 ( a ) ( 1 ) A and section 611 ( a ) ( 1 ) A, Equifax has not supplied me with any original documentation ( including my signature ). Furthermore, under section 611 ( a ) ( 7 ) they had failed to provide me with any information regarding their verification methods. '' In my last letter dated XX/XX/2018, with regards to my pending lawsuit. It states that " Under section 611 ( 5 ) ( A ) of the FCRA regulations, Equifax has ( 15 days ) of receipt my letter, Equifax must delete any and all remarks, which could not be verified. '' Again, Equifax responded in a letter ( dated XX/XX/2018 Note : 16 days after the deadline! ) stating the XXXX XXXX remarks had been " verified. '' Included in my response was a copy of my latest XXXX   Credit Report 's investigation of the same 5 derogatory remarks by XXXX XXXX that had been " deleted '' through their investigations. Also at Equifax 's behest. I included a filed Police report of fraudulent activities against XXXX XXXX XXXX for unsubstantiated negative remarks on my credit report. This is my " Final '' attempt to resolve this issue amicably. I will seek financial relief through my retained attorney in response to their unverified methods. I want to thank you for your assistance
Product: Credit card

I received an XXXX notification that my credit score dropped XXXX points. Upon reviewing my credit report my Suncoast credit card line was being reported twice and with XXXX different balances. I submitted a dispute on XXXX and through Suncoast Credit Union. The dispute was resolved with updating XXXX of the duplicate credit lines with the updated balances but still showing XXXX credit lines. I have called Suncoast Credit Union and they cant seem to understand or figure out the issue. I only have XXXX credit line with Suncoast Credit Union ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have the XXXX XXXX XXXX trade removed from all CRAs. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.
Product: Money transfer, virtual currency, or money service

I sent someone claiming to sell puppies a deposit of {$300.00} via cashapp. The deal fell through and the person/business said they would refund my money via cashapp. I sent a request to refund my money and they never did. I reported this to cashapp via their support process which doesn't allow you to speak to someone verbally or via email. No one contacted me from cashapp. I did recieve an email stating they will work on it and i should get a response in a few days. A few days past and i received an email stating it was resolved but no one was contacted or no request for supporting documents nothing!
Product: Credit reporting or other personal consumer reports

Equifax is being compensated for the alleged debt withXXXX XXXX  XXXX XXXX the invalidated account information is parked on the report XXXX. Equifax used automated programming to override my 76 dispute 76 times in XXXX years. Equifax has mixed up my name with someone else on their website. Equifax provided misleading information about me after every investigation, the XXXX XXXX exceeded 51 days and still does not comply with validation requirements according to 15 USC 1692g. I have requested Arbitration fees to be paid by Equifax. The continued oppressive reporting of a charged off debt with a balance on as open account caused four credit denial for employment and housing purposes. However, Equifax has not excepted responsibility or provided a duty of care to delete the misleading account information as there is no proof of the data or account or the information reported for the account belongs to me or is accurate. According to Equifax they do not having any documentation or evidence they or human affirmation to validate their information.The alleged debt has not been validated as required by FTC.gov or FCRA. Equifax consumer reporting data Exceeds the statute of limitations in the state of Georgia. The alleged debt balance reporting as accurate by Equifax was deleted by the company that furnished the account.Equifax is reporting a charge off as income of {$510.00} and that violates FCRA.