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

I am a Living Human being, I have rights under USC 1681, Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish the account on my Credit Report. 


this collection account is - BXXXX XXXX XXXX XXXX
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX INNOVIS XXXX XXXX XXXX XXXX XXXX XXXX  all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of 2022, I received a settlement letter to pay the past due amount of {$250.00} to close the account. I called the company in XXXX to request a pay to remove collection agreement, the representative agreed. I made the payment in XXXX of 2022. A month later I checked my report and noticed that the debt is still showing with a balance of {$250.00} and it says " charged off as bad debt '' " profit and loss write off ''.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my auto loan lender mis disclosed my down payment and is charging interest based on an inflated Amount Financed, violating 15 USC 1638 ( a ) ( 2 ), 15 USC 1638 ( a ) ( 7 ), 15 USC 1605, 15 USC 1026.4 ( Regulation Z ), and potentially 16 CFR 433.2, 15 USC 1662, 15 USC 1602, and 15 USC 1603. My Retail Installment Contract, signed XX/XX/XXXX, with XXXX XXXX XXXX XXXX ( assigned to XXXX XXXX XXXX ), states in the Truth-in-Lending Disclosure a down payment of {$500.00}, finance charge of {$2600.00}, Amount Financed of {$8400.00}, Total of Payments of {$11000.00} ( 48 monthly payments of {$230.00} starting XX/XX/XXXX ), and APR of 13.89 %. 
On XX/XX/XXXX, I paid {$2500.00} as a down payment ( I have a receipt from XXXX XXXX XXXX XXXX ), not {$500.00} as disclosed. Since then, Ive paid an additional {$4700.00} through monthly payments as of XX/XX/XXXX ( approximately 20 payments of {$230.00} ), totaling {$7200.00}. The contracts {$500.00} down payment disclosure is incorrectmy {$2500.00} payment should reduce the Amount Financed to {$6400.00} ( {$8400.00} - {$2000.00} ), lowering the interest owed. Instead, XXXX is charging interest on {$8400.00}, inflating the finance charge beyond whats fair. My {$230.00} payments include {$2600.00} in interest, but with the correct Amount Financed, interest should be lower ( e.g., ~ {$2000.00} at 13.89 % over 48 months ).

This violates : 15 USC 1638 ( a ) ( 2 ) & ( a ) ( 7 ) : TILA requires accurate disclosure of the Amount Financed and down payment. Misstating {$500.00} instead of {$2500.00} inflates the loan and interest.

15 USC 1605 ( a ) & 1026.4 : The finance charge is overstated due to the incorrect Amount Financed, misrepresenting the cost of credit.

16 CFR 433.2 : XXXX must honor defenses against XXXX XXXX XXXX mis disclosure.

15 USC 1662 : If advertised terms omitted this discrepancy, its misleading ( suspected ).

15 USC 1602/1603 : This consumer loan isnt exempt ; TILA applies, and violations suggest illegality.

My {$7200.00} paid exceeds the adjusted principal of {$6400.00}, yet XXXX demands {$11000.00}. These violations render the contract illegal due to fraudulent misrepresentation. Im attaching my contract, receipt, and payment records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this XXXX XXXX XXXX and it has negatively effected my credit score i want this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have bought and sold cryptocurrencies through Coinbase for over a year. I often noticed that the portfolio total value that they reported for a given moment, was often {$2000.00} below what their own prices were listed at. I complained three times and their response was always the same -- '' After reviewing your case, we've alerted a specialist to address your issue properly. We're currently receiving a high number of requests so reviews may take longer than usual. We understand the importance of this issue, and our team is working hard to get to your case. We will update you as soon as we can. '' Each time, months passed and they never got back to me. On XX/XX/2021, I sold the three cryptocurrencies that I owned, and after they sent me an e-mail receipt that included the deductions for their commissions, the total amount I received from Coinbase was over {$2000.00} less than what the cryptos were selling for at that moment, and they did not change considerably during the rest of that day. I have the details of what I sold on XX/XX/2021, how much the coins were worth at that moment, and how much I received from Coinbase. Obviously, the fact that each time I contacted Coinbase they admitted that they were receiving a " high number of requests '' is a good indicator that many others were also complaining about their shady dealings. XXXX 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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Debt collection

Recently I reviewed on of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have noticed a social security number that is not mine. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and social security number, telephone number updated and remove any other names, addresses and social security number, telephone numbers that does not belong to me. If the account can not be verified, your company must delete the account from my credit report. If you can not show proof that you have verified this debt and continue to list these items on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2011, I filed for a chapter XXXX bankruptcy protection. Included in the bankruptcy was an account from a dental office. The office notified me of the unpaid account and I told them that I had unfortunately filed for a chapter XXXX bankruptcy protection and that the account was included. They ended up selling the account to a collection agency. I told the agency that the account was included in a bankruptcy protection. 

I have been trying to dispute it with all three credit bureaus since the inception of the bankruptcy but they keep telling me that the account was accurately reported on my credit. 

The account is now past the statute of limitations, ( four years ) according to the California law. I asked the credit bureaus to remove the account as it is too old to be on my credit file, they did not. Instead, they allowed the collection agency to continue reporting old outdated and bankrupt account to continue causing damages to my credit.
Product: Checking or savings account

I just want to see if they charged me unnecessary overdraft fees
Product: Credit card

My Right to Reject Arbitration ; Arbitration Rejection Notices sent to American Express via Certified Mail with Return Receipt ( XXXX of them now!! ) and another sent via First-Class Mail ( XXXX total ). First one sent XXXX XXXX, XXXX and delivered XXXX XXXX, XXXX and up to now XXXX XXXX, XXXX there has not been a single confirmation letter/letter sent back concerning all XXXX letters!! Called American Express over XXXX times regarding why I have n't received my confirmation letters and the first XXXX reps. told me it was processed on XXXX XXXX, XXXX and on it 's way to me in the mail. The XXXX time I 've called and asked to speak to supervisors they all can not find any record of my right to reject Arbitration, Arbitration Rejection Notices even in the system when the first XXXX reps. could!!!! Some of the rest of the calls I was treated with disrespect and some employees left me on hold or transferred me to a automated recording and completely wasted my time disregarding me as a consumer! American Express to date ( XXXX XXXX, XXXX ) has not written back or called back concerning my letters or returned my many calls/voicemails and have not sent me any confirmation letters regarding My Right to Reject Arbitration/Arbitration Rejection Notices and they show no interest in getting the issue resolved and show no interest in sending me all the confirmation letters that they owe me. I believe American Express is willfully violating our agreement ( s ) and my right ( s ) by refusing to provide confirmation letters ( which are to me and all consumers for the matter, written proof that they received my/our letters and state that they 've updated my card member agreement ( s ) to reflect my/our Right to reject arbitration for my account ( s ) ) to me so if anything were to every happen like for example my card number was stolen they ca n't claim they never received my Certified Letters and " force '' me to arbitrate any disputes when in fact I have proof/evidence that I did my part per the card member agreement ( s ) and sent them not just XXXX, but XXXX letters, XXXX of which are Certified Mail with Return Receipt ALL DELIVERED to American Express and signed for! How can consumers trust such a company that from the beginning have illegal business practices??! Please investigate and take action against illegal and corrupt conduct from companies like this! BAN " FORCED/BINDING/MANDATORY '' Arbitration from ALL contracts, regardless of nature, whether it be consumer, employment, loans of any sort, etc.. BAN ALL AND INVALIDATE CURRENT CONTRACTS AND AGREEMENTS THAT RELATE TO CONSUMERS regarding FORCED/BINDING/MANDATORY! 
Also, please look into my current issue concerning American Express and their illegal business practices! 
Thanks in advance to the people and consumers just like me in the Consumer Financial Protection Bureau who band together for OUR rights!
Product: Credit reporting or other personal consumer reports

Account is paid off and is showing closed and it's affecting my credit score I would like it be deleted off my account immediately off all credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please explain how you're reporting this account as reported on XX/XX/22, you are " re-aging '' this account and that is illegal. Please delete it from my report.
Product: Student loan

This past month I noticed that my credit score had decreased significantly via XXXX XXXX   ( it was XXXX in XXXX and is now XXXX. I looked into this further today via my credit report and saw that I had a private loan from XXXX XXXX that was past due. 

I called XXXX XXXX and learned that my loan went from from XXXX XXXX ( servicer ; XXXX ) to Key Bank ( lender ; XXXX ) to collections. The initial person I spoke with from XXXX XXXX said it was over 120 past due ( started in XX/XX/2019 ). He said I could call Key Bank and it would either be handled as a rehabilitated loan or as a default ( paid off so that it no longer affects my credit ). 

Then I called Key Bank and they said I could pay the full balance ( {$21000.00} ) or {$14000.00} as a settlement, or that I could make monthly payments until I could pay off the balance. I told the represenatative I did not have the money to do this and inquired about other options and he said there was nothing they could do. 

I then called back to inquire about the forebearance/deferment status of my loan considering I had just XXXX  as a XXXX XXXX XXXX XXXX in XX/XX/2019. The woman told me to call back XXXX XXXX to ask these questions. 

I called XXXX XXXX and spoke with XXXX who looked into this to tell me that the XXXX XXXX  was not updated by my school ( XXXX University ) about my student status ( forebearance/deferrment as I was a XXXX XXXX XXXX until end of XX/XX/2019 ) until XXXX ( a month after graduation ). 

XXXX XXXX is going to contact Keybank to see if the loan can be reinstated and backdated ( loan and credit ). They told me to check back in 1 to 2 weeks. 

I feel this is unfair as I didnt receive any letters or call notifications ( my parents contact address and phone was in their records ). In addition, my school didnt update the XXXX XXXX regarding my status and in XXXX ( when the loan was expected to start receiving payments from me ) I was defending my XXXX dissertation.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX {$410.00} Account Name : XXXX Account Number : XXXX {$520.00} Account Name : XXXX XXXX Account Number : XXXX {$570.00} and list of Inquiries. 


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 or other personal consumer reports

SUBJECT : FORMAL DISPUTE REGARDING INACCURATE INFORMATION ON MY CREDIT REPORT I AM WRITING TO FORMALLY DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT THAT I BELIEVE IS HARMING MY FINANCIAL WELLBEING. I AM AWARE OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND REQUIRED A THOROUGH INVESTIGATION INTO THESE INACCURACIES, AS REQUIRED BY THE FEDERAL LAW RECENTLY, THE CONSUMER FINANCIAL PROTECTION BUREAU FILED A LAWSUIT AGAINST EXPERIAN FOR ITS FAILURE TO PROPERLY INVESTIGATE CONSUMER DISPUTES, CITING SHAM INVESTIGATIONS AND OTHER UNLAWFUL PRACTICES. THESE PRACTICES, AS OUTLINED BY THE CFPB, INCLUDE : CONDUCTING INADEQUATE INVESTIGATION THAT FAIL TO ADDRESS CONSUMER DISPUTE PROPERLY. 
REINSERTING PREVIOUS DISPUTED AND INACCURATE INFORMATION WITHOUT EXPLANATION FAILING TO NOTIFY CONSUMERS ABOUT INVESTIGATION RESULTS EFFECTIVELY THESE ALLEGATIONS HIGHLIGHT SYSTEMIC ISSUES THAT DIRECTLY UNDERMINE CONSUMER PROTECTIONS AND PERPETUATE THE INCLUSION OF INACCURATE INFORMATION ON CREDIT REPORT. I BELIEVE MY DISPUTE MAY BE MISHANDLED IN SIMILAR MANNER
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this follow-up CFPB Complaint to request the removal and deletion of the fraudulent inquiries from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any inquiries that resulted from the fraudulent activity. Therefore, I request that Experian remove the disputed inquiries from my Credit File as soon as possible : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed inquiries belong to me, I request that they send me copies of documenst supporting such claims. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed inquiries from my Credit File.
Product: Checking or savings account

After having a substantial relationship with Citibank, I get a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Product: Credit card or prepaid card

Chime Bank stole almost {$4000.00} from me. They put a false deposit into my account. And they closed my account due to that. now I had a dispute with them they approved their false deposit and still said I don't get a refund now they have done this to thousands of customers if you want I'll screenshot all the complaints this is getting ridiculous nobody will help me or other customer can't find anybody to help us we need help this bank is robbing people left and right this is wrong especially in the time of pandemic we need your help!! Now this time if you can not reach me by phone please email me don't just closed my case