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

I submitted a dispute letter on XX/XX/XXXX, as my sixth attempt to let you know that I was the victim of identity theft, and I'm writing to contest some things that the XXXX added to my file. The things I'm disputing have nothing to do with any purchases I made or authorized that resulted in the acquisition of any products, services, or money. Please prevent any information in my credit file that was obtained through identity theft from being reported. I don't know what these things are. Additionally, I have concerns about the accuracy of the information you provided on some accounts because it has been DELETED from other bureaus, and the reported payment histories on some accounts are a mystery to me. FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items as they were the result of the identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Genesis Finance XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Lease Balance and Charges To Whom It May Concern, I am writing to formally dispute the balance that has been charged to me by Genesis Finance Company regarding a vehicle I previously leased. The vehicle in question is a XXXX Genesis XXXX, which I leased through Genesis. I was involved in an accident on XX/XX/XXXX, two and a half years into the lease, and the car was deemed a total loss. Following the accident, XXXX, my insurance company, paid Genesis in full for the vehicle. 

Immediately after this incident, I leased a XXXX Genesis XXXX. Four months after the accident, I received a bill from Genesis for {$1200.00}, which was described as charges for wear and tear on the tires of the totaled vehicle. I strongly contest this charge, as I had purchased new tires for the vehicle from Genesis only four months prior to the accident and maintained the car meticulously. There were no issues with the vehicle that would warrant such charges. 

In XXXX, I was contacted by representatives from XXXX XXXX Genesis in XXXX, FL, and was informed that my lease was ending and that I needed to return the vehicle. I asked them several times to confirm this information, and they assured me that my lease was indeed ending. Following their instructions, I returned the vehicle with low mileage and in excellent condition, which can be verified by a video I took, as well as by XXXX XXXX Genesis representatives who confirmed the cars condition upon return. 

However, three months later, I was notified by Genesis that I owe {$17000.00} for early termination of the lease. I did not terminate the lease early. I returned the vehicle because I was instructed to do so by representatives of XXXX XXXX Genesis, who informed me that my lease was ending. I complied with all their instructions in good faith and can not be held responsible for what appears to be an administrative error on the part of Genesis or XXXX XXXX Genesis. 

To summarize, I am disputing the following charges : XXXX. The {$1200.00} charge for wear and tear on the XXXX Genesis XXXX, which is unwarranted. 
XXXX. The {$17000.00} charge for early termination of the XXXX Genesis XXXX lease, which is based on inaccurate information provided to me by Genesis representatives. 

I request that you immediately remove these charges from my account and from my credit report. I have always acted in good faith and have followed all instructions given to me by Genesis and XXXX XXXX Genesis representatives. I am prepared to provide documentation, including a video of the condition of the vehicle and communications with XXXX XXXX Genesis, to support my case. 

I look forward to a prompt resolution of this matter. Please contact me at XXXX or XXXX if you require any additional information. 

Thank you for your immediate attention to this issue. 

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

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 



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: Checking or savings account

Navy Federal Credit Union is in violation of the Truth in savings Act. Deposit for benefits was pending, XXXX XXXX XXXX  The recording once accessing the account states, that " a pending deposit in the amount of XXXX XXXX XXXX XXXX is pending and will be available on XX/XX/year>, and the deposit may already be included in your current balance. On that information I made an informed decision to hold a vehicle at a car dealership which they would hold for 24 hours only, then any other interested party would be allowed to take possession of the vehicle if the deposit was not made. 
XX/XX/year>, the message still states that the funds would be made available XX/XX/year>, and the funds may already be included in the current balance. 
The staff and a supervisor stated thet that meant the funds would be deposited at midnight and available the following day, contradicting every very in the advertised message. Also, having made the funds available at midnight is not XX/XX/year>, that would ber the XXXX. 
The Act was created to avoid this exact situation, of which the credit union has no empathy, or accountability at this level.

Further the credit union denies disputes, closes them and reopens them after the merchant is advised of the illegalities they committed, and refund a portion of the deposited amount which the credit union then documents as " while investigating your dispute the company reinvestigating the entire time, and I question the knowledge and skill held by these investigator, having investigated nothing, yet funded a portion of the disputed amount. we will continue to investigate the XXXX  remaining '' Even after getting confirmation of the amount to be returned, and re-opening the claim to cover their but, their failing to investigate, drawing decisions from same bias used for " other than white '' consumers. 
They now document the issues as if they had been still under investigation, when they investigated nothing and fabricated evidence. The department should have supervisory committee intervention of which they refuse to disclose contact information, rather advise to contact the board.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

My account has been frozen for 33 days with no access to my funds because they had a security breach. I reported XXXX charges to my account that where not mine they investigated and credited my account. I have been told my account was being closed and they would send me a check for the balance in my account. I wanted to transfer some money to another account and they refused stating the check was already processed. It appears to me there are holding my money XXXX and I will not be able to pay my bills that are due on the XX/XX/year> so I will be incurring late fees and my credit will be greatly affect. I call every day and get a different story as to which department is handling the case its a big circle jerk. Please help me resolve this as soon as possible I'm sick to my stomach from this abusive lack of customer service from CREDIT KARMA. 

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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : {$4300.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2015 ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Joint Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX
Product: Debt collection

COLLECTIONS KEPT CALLING MY CELL AFTER SENDING CEASE AND DESIST. THEY CALLED XXXX TIMES IN VIOLATION OF TCPA.
Product: Credit card

Community Capital Bank, which handles credit cards for XXXX, has falsely charged me late fees and interest on a credit card charge that I paid in full on XX/XX/year> - XXXX days before the first due date on XX/XX/year>. Details : I called Comenity 's phone billing system on XX/XX/XXXX, gave my bank 's routing and account numbers and received a message that I had paid my bill in full - {$160.00}. I got a new invoice in XXXX claiming the invoice was never paid and showing late fees and interest charges of {$81.00}. Upon receiving the XXXX invoice I was shocked and l immediately called Comenity and asked about the suspicious charges. The first representative hung up on me. The second representative explained their records confirmed that I did call on XX/XX/year> to pay my bill through their phone service. She then claimed I did not give them the correct numbers -- that XXXX were missing. I'm disputing their version. They NEVER called or contacted me about the so-called " error. '' Instead, they remained silent and slapped me with all these fees. During my XX/XX/XXXX protest call to Comenity I paid my original bill {$160.00} AGAIN for the second time and even spoke to a supervisor - XXXX, # XXXX. I always pay my bills on time. Check my credit report. I'm an active, conscientious, mentally-sharp, honest XXXX old retired person and this is the first time in my life l 've ever been accused of giving incorrect routing and account numbers to any retailer or financial institution. Discover for yourself - Call me and talk to me! I'm a homeowner and active in many civic organizations. This is fraudulent. I also canceled my XXXX credit card. I filed a complaint with XXXX case # XXXX. I want Comenity to drop all late fees and interest fees. I have paid my bill in full.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found items on there to be inaccurate.

Under 15 U.S.C code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation ; promptly notify the furnished of that information that that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX SECURED CREDIT CARD- I dispute the missed payments and late payments on this account XXXX. COLLECTION ACCOUNT FROM XXXX XXXX XXXX never had a contract with this debt collector for any debt. Please provide legal proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account XXXX ACCOUNT FROM XXXX XXXX XXXX-I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Debt collection

In XX/XX/XXXX I was trying to consolidate my debt with XXXX XXXX ( COMPLAINT ID ( XXXX ) XXXX ), this company told me to stop paying my debt and not tell this company AAFES that they told me to not pay them if they contacted me. I did not pay nor was there any communications until XX/XX/XXXX setting up payment plan. During this time I was moving and did not check my email til XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX of {$200.00} vs the amount on contract. I was trying to pay in XX/XX/XXXX same amount but AAFES turned it over to collections all because they can't take electronic signature. I tried to communicate that I did not have a printer. They offered to send it via US postal service. After the debacle with email communicate and have wrong email address when I did finally speak to someone they were supposed to send it but mail and never did, they also did not work with me. In XX/XX/XXXX they started withdrawing funds from my XXXX XXXX through the Treasury department of {$100.00} until XX/XX/XXXX then {$100.00}, starting XX/XX/XXXX they also started taking {$240.00} from my Social Security XXXX. Then amounts changed on XX/XX/XXXX to {$110.00} and {$250.00}. I did a worksheet showing amount was incorrect on how much I owe. I also crossed out incorrect amounts and said I would agree to contract if total was updated and I would be willing to pay {$250.00} a month. They have disagreed on all my attempts to pay back the debt. I'm sorry they have accounting issues but I feel to have a legal binding contract the information should be correct. I am not will i ever agree to pay an amount I no longer owe. If I signed a contract with incorrect amount owed I feel they will take that money and not return over paid amount. I tried going through XXXX XXXX office to work through this yet AFFES refuses to my terms of fixing total owed. I agree with owing the debt, I disagreed with amount on contract of how much I owe, since I have been paying since XXXX of XXXX should be amount minus all payments made on contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was poor when I purchased this car. I had a XXXX that my credit had dropped due to a voluntary repo because I was sold a broken car as in they temporarily fixed so they could sell. My current issue I purchased a uses car that they told me was XXXX which I didnt know was XXXX until end of deal because the dealer was refusing to tell me how much my vehicle was. Then after signing contract the loan company by the name of verseys auto finance was who I had to deal with and all of a sudden my loan was XXXX. My biggest issue is that for the last XXXX they have been putting the loan on my credit profile then removing it. My payments arent being tracked or recorded a on time payments. They have been aware of this and keep saying they will talk to the underwriting department and they never do. Then I called the credit bureau that they report my information to and let them know this and they said to me these companys are allowed to submit and delete whatever they like for what ever the reason maybe I explained to the agent that, what was being done is abuse of my report because every time they submit the loan it may show that Im paying it down but to the Bureau it looks like a new account, so every time they submit it takes points off my credit regardless of on time payments. Im not gaining anything from the loan its super aggravating because they are doing this so that I cant refinance and pay less. I called all main sources and I have proof of whats going on all I wanted was a car but all that got me is someone abusing my credit. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I completed a FTC report and a police report, as well as I contacted the creditors. I spoke with XXXX at Experian on yesterday, XX/XX/2021 and was told they received the documentation for my dispute but was unable to process it because it did not meet there criteria. I asked what else I needed and I was told that he could not disclose to me the criteria that I was missing but only that I did not meet them. I have been getting the run around. This information was submitted in XXXX and still no updates. I asked for a supervisor and was told they would call me this morning, but no phone call as of yet. I am disgruntled about this whole situation and do not feel as if I am getting anywhere. I credit is a disaster due to this and I am a victim of Hurricane IDA. I lost everything and had no insurance but was declined by the SBA because of these negative items on my report that are not mine.
Product: Debt collection

Paid the company they will not remove them self from my credit and they still are reporting late payments
Product: Credit reporting

I recently attempted to dispute inquiries on my credit report by phone and keep getting the run-arounds. After finally reaching someone they said they can be deleted since I am a victim of identity theft but said that I had to speak to the fraud/identity theft department ... After calling I was hung up on after waiting 20 minutes on hold. 

I have attached the inquiries that I am disputing as a result of identity theft. I have also attached a copy of my police report.
Product: Credit reporting or other personal consumer reports

Hi! 

I didn't give companies permission to view my credit score. 

XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024
Product: Debt collection

TODAYS DATEXXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I am Writing to File a Formal Complaint against American Express : They have been a challenge to deal with on 3 main large scale issues : 1 ) Difficulty in getting anyone from any appropriate department to credit back a XXXX  membership fee that should have resolved after account closed shortly after opening. 
Being tossed back and forth between several different departments spending hours and days on the phone. 

2 ) Unfair and unethical practices regarding fraud disputes. Rejecting fraud claims from XXXX in XX/XX/XXXXand refusing to credit valid consumer disputes when proof was provided. Automatically charging back {$36000.00} worth of charges at once on 8 different accounts and inaccurate credit reporting showing 350 % over credit limit when the accounts were separated. Harassment and aggression from XXXX XXXX XXXX with unwillingness to work with me to resolve claims. 

3 ) Closing all accounts on no formal basis and severely decreasing my credit score with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX regarding a tradeline reporting on consumer credit report, that has a number of documented egregious errors. I have been paying on an installment loan regularly since last year ( XXXX ) and have proof of payment. However from XXXX - XXXX of this year ( XXXX ) I have an anomalous reporting of 3 back to back 120 days late for EACH month. Besides not not being late at all. the structure of the reporting is wrong for the following reasons : to be 120 days, one must first be 90 days late, to be 90 days late one first be 60 days late and to be 60 days 30 days. NONE of which are reported leading up to the first insistence of being 120 days late, further.If I have not been paying my account then subsequent to the first instance of being 120 days late, I should be 150 days next and then finally 180 days late. Understandably this reporting errors have caused great harm to my ability to secure personal AND further business funding. If we reason that if It was reported I was 30 days late at anytime in the past AND it were true in XX/XX/XXXX it  would have been now 6 months ago and my credit score would of been recovering from a single incident of only 30 days late, not an undocumented pop-up of 120 days in the middle of the rolling 6 month snapshot.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks to my life and credit health.