23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted today XX/XX/XXXX about a payday loan taken out in my name on XX/XX/XXXX that I never signed for nor did I have any knowledge about. I have never done business with Check N Go, and have received notice that they intend to sue me for three times the amount of the debt they claim I owe them. It is my belief that someone used my information for the purpose of obtaining this loan for themselves as I have not even had a bank account for nearly 6 years.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX  ) 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 or other personal consumer reports

These names are not correct on my credit report. 

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

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXXXXXX emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$33000.00}, {$7500.00}, {$3900.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit card

My TRUIST credit card ending in XXXX was cancelledDue To Fraud More Than 2 Months Ago.ToId I would Receive New one. Never Did! Talked With Fraud Dept.And Disputed Numerous Charges ... Told {$900.00} To Be Removed From Bill AndFurther fnvestigation Of Charges Underway.Received Repeated Notices of Late Payment Due.Went To Local Branch More Than Once.They AIso Spoke To Fraud Dept.I Was Given Assurances ThatAdjusted/Corrected Bill And New Card Woutd Be Sent.Never Received Replacement Card.Did Not Receive Adjusted Bill! Received Bills Via Email Re : Original Card Ending XXXX & Cards Ending XXXX & XXXX which I Never Received.Spoke To Fraud Dept. Again & Agasin! Received Letters Stating $ XXXXPlus Late Charges & Interest Due = BOGUS! Closed Account! Cancelled Credit Card ( s ) .Sent Letters To TRUIST President, Executive In Charge Of Consumer Relations, Credit Card Srvices , & Corporate Headquarters : No Reply! 
I Will Not Pay! 
FRAUD! 
!! 
I've Had Enough Of TRUIST BAD Business!!! 
Sincerely, XXXX XXXX, XXXX SS # 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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Your records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have one inaccurate account on my credit that doesnt belong to me. Company called XXXX XXXX XXXX for {$68.00}. Look to be from a XXXX XXXX which I know I have never used. If you could please remove this.
Product: Debt collection

Jefferson Capital claims I owe {$5200.00} for default on a XXXX XXXX account. I do not have, nor have I ever had a XXXX XXXX account. This debt is obviously not mine but is affecting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XX/XX/year> Consumer Financial Protection Bureau Office of Consumer Complaints XXXX XXXX XXXX XXXX XXXX DC XXXX **Subject : Urgent Formal Complaint Against Experian Information SolutiXXXX XXXXXXXX To Whom It May Concern, I am compelled to submit an urgent formal complaint against Experian Information Solutions Inc. due to their blatant failure to accurately report my credit information and their grossly inadequate handling of my disputes. Given the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), it is painfully clear that Experian continues to violate consumer rights and the Fair Credit Reporting Act ( FCRA ) with impunity.

Despite providing comprehensive documentation proving that my rent is paid and current, Experian has stubbornly refused to correct my credit report, which erroneously shows my account as " closed. '' This distortion is not just a minor inconvenience ; it has severely damaged my creditworthiness, jeopardizing my access to credit, employment, and housing. 

Moreover, I am appalled to report that my XXXX XXXX XXXX account, which has been paid in full, closed, and never late, has been deleted from my credit report. This reckless action has further shortened my credit history and is indicative of Experian 's ongoing negligence. Attached is a letter from XXXX XXXX confirming that Experian is responsible for this erroneous reporting. The CFPB 's lawsuit highlights serious concerns about Experian 's failure to " reasonably reinvestigate '' consumer disputes and their pattern of conducting superficial investigations. My experience aligns precisely with these claims, as my attempts to provide evidence have been met with dismissive, unhelpful responses. Their lack of transparency and refusal to forward relevant information to furnishers is unacceptable and must be addressed. 

I demand that the CFPB take immediate and decisive action against Experian to hold them accountable for their blatant disregard for consumer protections. It is imperative that they are compelled to comply with the FCRA and overhaul their dispute resolution processes to prevent further harm to consumers like myself. 

Thank you for your urgent attention to this matter. I expect a prompt response regarding the actions that will be taken to address my complaint against Experian and to ensure they are held accountable for their egregious practices. 

Sincerely, CFPB HERES AN Attached letter FROM XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter XXXX, XXXX and EQUIFAX in regards to these accounts on XXXX, XXXX, XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2021. I have not received a report and XXXX, XXXX and EQUIFAX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act the following creditors have been violating my rights. 

1. MIDLAND CREDIT MANAGEM # XXXX / {$1400.00} 2. XXXX XXXX XXXX # XXXX / {$630.00} XXXX. XXXX XXXX XXXX # XXXX / {$940.00} 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: Mortgage

I have a VA backed mortgage from Wells Fargo since 2005 and have never been late nor missed a payment. Every year I have to fight with Wells Fargo to pay the homeowners insurance and property taxes in a timely manner from the escrow account. After repeatedly calling Wells Fargo over the past three weeks trying to get them to pay the homeowners insurance which was due XX/XX/XXXX, Wells Fargo continues to refuse to pay the insurance! Despite my already having paid Wells Fargo the full amount plus of the home owners insurance premium which Wells Fargo holds in the escrow account, today, XX/XX/XXXX, I had to pay the insurance company the full amount myself because Wells Fargo has still not paid it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them.
Product: Student loan

On XXXX XXXX, XXXX, I XXXX " Navient phone number '', wanting to contact the company to change my address and have something mailed. I chose the first option that XXXX provided. When visiting XXXX once more ( after my situation was said and done ), this same phone number was not an option at all. It had completely disappeared from XXXX. I called the phone number and was connected to XXXX XXXX, who works for XXXX XXXX XXXX, which is located in XXXX XXXX, California. XXXX 's e-mail address is XXXXXXXXXXXX. XXXX 's phone number is XXXX ext. XXXX. She told me she could not change my address or mail something to my home because she works in a different department. She did however tell me I was eligible to be apart of a program that would help lower my monthly payment. She informed me that Navient was going through a lawsuit and over-charging us customers. She said I would pay a little bit more for the first 2 months and once those were paid for, my monthly payment would lower. She said that would happen for a few months. After a year, my monthly payment would be even lower ; this would happen for another year until my student loans are paid off. I decided to register/apply. I had given this woman all of my information ( even though she stated she works in a different department, she said it was still within Navient ) : addresses, social security number and bank information. I had to create a XXXX XXXX XXXX XXXX. I had to E-sign a few different documents. All of this happened over the span of 2 days. On XXXX XXXX, XXXX, I was told by XXXX that {$270.00} would be taken out of my checking account for the month of XXXX. My money was taken out the very next day on XXXX XXXX, XXXX. On my account summary, it shows up as XXXX XXXX XXXX FL and gives this phone number : XXXX. I called the phone number but was only greeted with a voicemail asking me to leave a message. I also attempted to contact XXXX. My attempts have not been successful ; it seems I am being ignored. Unfortunately, I will not be able to have my money refunded. However, I took the proper steps to protect myself. I contacted my bank and they cancelled my debit card. They will also keep an eye out for XXXX XXXX and will stop them from stealing more money. I checked my credit to make sure nothing has been done using my identity. I also put a security freeze on credit reports.
Product: Checking or savings account

Claim ID : XXXX Dispute Type : Pay Friends - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$2000.00} I was robbed by a group of guys walking to the atm they took my phone and transferred XXXX to themselves I never transferred money on chime before peer to peer and I had them since XXXX. After everything happened I went to the police station. I made a police report and called chime and made a dispute online. The next day they denied the dispute and said it was no error. I asked for the reason and paper work. That said it would be 10 days to recieve the paper work. I never received A response. 
This is the police report I made right after the incident. After 8 years of being with them I never not once made a peer to peer transaction. I was robbed and reported it immediately to chime and the police. After 8 years I only had one other dispute that too 3 months just for them to tell me know after getting scammed by a company that never sent out my items. The was for XXXX And I would like that reinvested too.
Product: Credit card or prepaid card

Just before midnight on XX/XX/XXXX, a balance inquiry and a subsequent withdrawal were made from my B of A Prepaid account that I did not make. I was told by a B of A claims representative that the inquiry was made at a branch in XXXX XXXX, CA and the withdrawal for {$1000.00} was made at a branch on XXXX XXXX  XXXX in XXXX XXXX, CA. Additionally, just after midnight another withdrawal for {$400.00} was made. I have always been in possession of my atm card and the PIN is NOT written anywhere nor do I share it with anyone. 

I learned of the fraudulent activity via email stating that my balance was low at about XXXX on XX/XX/XXXX, and I immediately filed a claim/dispute with B of A. The very next day my claim/dispute was closed. They stated that there was no fraudulent activity occurring. That same day, XX/XX/XXXX, my prepaid account was frozen by B of A ( or EDD, they both point the finger at the other ) and for the next month and a half B of A refused to reopen my claim nor would they discuss any of the documentation or information that they used to come to their decision. 

Finally, in the middle of XXXX I was able to reopen my claim which again was denied immediately. The first time my claim was denied in XXXX, as well as when it was denied in XXXX, I requested documentation stating the reasons they came to their conclusion. Both times my request was denied. 

After my claim was denied for a second time in XXXX, I called the claims department to reopen my claim. I was on the phone with the representative for quite a while and was told my claim would be reopened again however, when I called for a status update on XX/XX/XXXX, I was told that they did not re-open my claim. During that phone conversation I was also informed that I should've filed a police report. I had asked about that previously and was told it wasn't necessary. So, I filed a police report and requested that my claim be reopened, and again was told that it would be. Now, on XX/XX/XXXX, I called for another update and was AGAIN told that they FAILED to reopen my claim. I have requested my claim to be reopened and for a third time requested copies of any documentation that they used to support their decision. in addition, all of my requests to speak to the Investigations Department have been denied.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these from my report as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/2018 I have been working on my credit. One card reposted that I spent XXXX bucks on my credit card and my credit report plummeted down by 20 pts then on TransUnion I have a decrease in my personal loan you guys have me set at a decrease 30 pts I dont how you are operating as I am trying to go up your are brining me down I think that way to low to bring some one down too can you please review the system and adjust my report accordingly
Product: Vehicle loan or lease

I was buying the car the car was suppose to be shipped to me it has been over 2 months bill has occurred and still havent received car dealer became unresponsive after the check has cleared so Im stuck with no car And loan in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 I tried to open a checking account at XXXX XXXXXXXX XXXX. This request was denied and a few days later I was told they base their decision on information obtained from Early Warning Services. I looked them up on the internet, completed the request for a consumer report and uploaded the request to their website per the website instructions. This was completed on XX/XX/2020. After repeated emails asking them for the status of the request I have not received a response and have not received the report. They were supposed to send the report within 15 days as required by the FCRA. It has now been almost 45 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 Section 602A. 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 Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT