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

My ex fiance went behind my back and took out {$300.00} through XXXX XXXX on my bank which I personally did not have that money in the first place I have no idea how it came out only to find out today that on the 9th my dispute that I started on the XXXX XXXX XXXX when I finally figured out how to get this stuff taken care of was denied because the fact that I've used cash several times in the past however if you look at my thing I have never spent more than 50 to {$80.00} at a time except for one steering XXXX when I was buying everyone XXXX presents, and apparently they said that I told them that it was not a fraud through text but most likely that means if they did text me I have a feeling with the way my ex is he probably saw the text on my phone and replied and deleted it when I was asleep because this did happen when I was asleep in the first place because I would never have let him overdraw my account and I need to finish the dispute in order to finish my identity theft report because my ex had stolen my bank information, my state ID my social security card, birth certificate, stuff like that nature of my son 's, and a lot more and I'm trying to get it taken care of but I can't whenever they are not willing to speak with me about it even though I filed a police report and everything just because of something that was out of my control and I want it fixed now because it's been 4 months and I'm not going to let him hang over my head and I'm not going to let him get away with doing this stuff because I'm tired of it, I'm tired of hearing people come to me about the things he said and did with me and after me and even before me and of him still harassing me even though I have a no contact order on him and there's nothing that can be done it seems like or at least nobody wants to do anything to actually help me at this point he has caused me to lose my son have issues getting a job be homeless and so much more and it's emotionally and at this point even physically texting because I am literally worrying myself sick with all of this stuff and I want action.
Product: Vehicle loan or lease

Lease statred on XX/XX/2021 and after talking to Tesla, we were told we can return the lease early and will have certain charges waived along with last 3 payments waived too, if we pick/ buy another tesla. We have been trying to speak to someone in their leasing team for last 2 weeks through associate XXXX XXXX and she had advised the final amounts ( only for excess mileage driven ) that we will need to pay will be in the return section in the Tesla app. However per contract we are obligated to only pay {$0.00} / mile of excess mileage which is at XXXX miles on the car. We are allowed XXXX  niles for the 3 year term of the lease. Therefore per contract it should be under {$5000.00} to pay, whereas the app shows a balance due of {$10000.00} approx. and no one is responding and able to explain on how the charges are calculated on the lease return.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and bankruptcy records have been added to my credit file. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and records be blocked and deleted from my credit report. 
The following fraudulent bankruptcy records and accounts have been identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized, and I ask that you delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX These inquires are fraudulent and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Shortly after acquiring our mortgage account in XX/XX/2019, NationStar/Mr. Cooper started calling me via telephone and having their representatives visit our home regarding our mortgage account prior to XXXX and after XXXX on any given day Sunday through Saturday. For several months, I repeatedly asked NationStar/Mr. Cooper to stop the telephone calls and home visits. Around XX/XX/2019, NationStar/Mr. Cooper stopped calling me, but the home visits from their representatives continued, and they stopped providing us monthly mortgage statements. Around the same time, NationStar/Mr. Cooper continued their attempts to collect debt not owed through their representatives, they began negatively reporting mortgage information and mortgage payments, they began making false statements and false representations in attempts to collect wrong mortgage payments, they increased our mortgage monthly payments, they began sharing improper information regarding our mortgage account, they threatened to contact local court officials in our state to share information with them that would force us into an unagreed upon settlement agreement ; wherein, we ( and all our heirs ) would be prohibited now and forever from filing claims and making complaints against NationStar/Mr. Cooper and any other names under which they " do business as '' to any state/federal agencies or otherwise ; thereby, disclosing what has and is happening to us. They have also threatened to initiate foreclosure proceedings, to seize our property, and personally sue us in further attempts to collect un-owed debt they have created as debt through their inappropriate and unlawful loan servicing practices and to further damage us through negative credit reporting unless we pay the ever-increasing debt they request to be paid. To support their efforts in the aforementioned, NationStar/Mr. Cooper has utilized a check one-time payment for multiple unauthorized electronic payment processing ( ACH check payment, electronic payment, and autopay charge ) within the same month with created a overdraft of our bank account by several thousands of dollars ; at which time NationStar/Mr. Cooper placed a " dishonored check fee '' and insufficient fees/charges on our mortgage account. A payment intended for one month was unauthorizedly processed multiple times. NationStar/Mr. Cooper deliberately provides multiple incorrect mailing addresses for sending monthly mortgage payments and when mortgage payments are mailed, NationStar/Mr. Cooper is deliberately holding payments days/weeks after receipt ; all for the purpose of delaying payment credits to our mortgage account so that late fees, and other charges can be charged to our mortgage account. Those fees and charges accrue interests daily and accrue compounded interest every 30 days. The loan servicing practices of NationStar/Mr. Cooper has and continues to create debt that would otherwise not exist. To date, NationStar/Mr. Cooper is requesting approximately {$10000.00} in un-owed debt.
Product: Debt collection

LVNV Funding LLC is currently trying to operate outside of their jurisdiction and attempting to get a payment from me for a debt that is not my own. They have provided any correct information and are illegally handling the situation.
Product: Checking or savings account

I lost my debit card I locked it maby I'll find it I thought I did when went to cancel it I got a notification it was unlocked and a email say your welcome from boa so they unlock my account which stress me out then they accuse me of fraud then they verbally tell me my account is closes immediately do diposit money or anything cancel XXXX days later I get letter your account closed..a month or so go buy then I get letter saying ur account is overdrawn fix it ..account need your attention.. this has been embarrassing an stressful now I have a Fraud alert on my profile. And makes things complicated I'm a single dad with bi XXXX children my life is hard enough.
Product: Debt collection

On XX/XX/2023, I found a mistake in my credit reports. I noticed an account listed under Caine & Weiner # XXXX, which I did not recognize. I requested validation of this debt on XX/XX/2023, but I did not receive any correspondence to validate this debt as requested. I made a second attempt on XX/XX/2023, by writing another letter requesting validation of the debt, but there was still no response to my request. Upon reviewing my credit report on XX/XX/XXXX, this account is now reporting without the creditor validating that this account belongs to me. I do not believe this account belongs to me, and I also do not believe that the creditor has authorization to access the account or attempt to collect on the account. This account is negatively affecting me, and I request that it be removed from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is true and correct.
Product: Credit card or prepaid card

I recently checked my credit score/report and noticed an open account from synchrony/ pay pal ( sync/ppc ) with a total amount of XXXX dollars. This is not my account. I called the company and filed for fraud/resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account below 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 instruction. 

XXXX XXXX XXXX Paid in Settlement ( closed ) XXXX XXXX XXXX XXXX** Late payment ( s ) ( closed ) I have asked the credit bureau of a thorough investigation of my credit profile and they did however they only validate that an account was once open. My initial complaint is not to validate an account, however, to question the thoroughness of the investigation and also i still found improper inaccuracies upon their initial response. The improper accounts use are as follows : XXXX XXXX XXXX Paid in Settlement ( closed ) XXXX XXXX XXXXXXXX XXXX Late payment ( s ) ( closed )
Product: Credit reporting, credit repair services, 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 Account Number:XXXX Account name : XXXX XXXX XXXX  Account Number:XXXX  Account name : XXXX  Account Number:XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

I have requested documentation of an alleged account in question that is being reported inaccurate and incomplete to the consumer agencies. on XX/XX/2022 I requested that they provide actual proof of account XXXX from bank of america along with any IRS profit and loss write off form 1099c. Have not heard, back from XXXX XXXX at Bank of america. 
this is a violation under FCRA law : Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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 168b permissible purposes of consumer reports. 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. 

has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [XX/XX/XXXX] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Several accounts listed exhibit inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX  XXXX XXXX XXXX  Open date : XX/XX/XXXX Routing # XXXX Account # XXXX XXXX  XXXX XXXX Open date : XX/XX/XXXX Routing # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Routing # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Routing # XXXX Account # XXXX XXXX XXXX  XXXX XXXX Open date ; XX/XX/XXXX Routing # XXXX Account # XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report.
Product: Credit reporting or other personal consumer reports

Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** To Whom It May Concern, I am writing to demand the immediate deletion of my credit account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit reports maintained by XXXX XXXX TransUnion XXXX and XXXX XXXX The inaccuracies present in these reports constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require credit reporting agencies to maintain accurate information and promptly correct errors. XXXX XXXX XXXX Inconsistencies Identified : 1. **Account Status** : - The account status is reported as **Indeterminate** across all three bureaus, leaving ambiguity that is unacceptable and violates FCRA 607.

2. **Payment Status** : - There is no payment history reported by TransUnion, while XXXX and XXXX show conflicting statuses. This lack of consistency not only violates FCRA requirements but also misrepresents my creditworthiness. 

3. **Last Reported Dates** : - The **last reported date** does not align with my records, creating further inaccuracies that compromise the integrity of my credit profile.

4. **General Reporting Issues** : - The overall lack of clarity and accuracy in reporting raises significant concerns about the reliability of the information provided by these bureaus.

I am also aware of the recent data breach that has compromised sensitive consumer data within these credit reporting agencies. Under U.S. Code 1030, organizations must implement adequate measures to protect consumer data. This breach further exacerbates my concerns about the accuracy and security of the information being reported. 

Given these violations, I demand the immediate removal of the XXXX XXXX account from my credit report. Failure to rectify these issues within the legally mandated time frame will compel me to pursue further legal actions, including seeking damages for the harm caused by these inaccuracies. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your immediate attention to this matter.
Product: Debt collection

I am a victim of fraudulent charges. I tried to fix this problem with JP Morgan Chase Bank on XX/XX/XXXX. I sent them a formal request for removal of fraudulent items that were found on my credit report, which they disregarded and didnt act to remove the accounts. This is a violation of the California Credit Reporting Act and the FCRA. I've done the hard work, checking accounts against records and this accounts are fraudulent. So I want those items to be removed/blocked from my credit reports. Please help me to solve this issue. The accounts I am writing to you about is listed below : 1 ) Chase ac # XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off. 

2 ) Chase ac # XXXX, Date open : XX/XX/XXXX, acc closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off. 

3 ) Chase ac # XXXX, XXXXcc open : XX/XX/XXXX, acc closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off.
Product: Money transfer, virtual currency, or money service

I been with Chime a few years. I transferred money from my XXXX checking account into my chime account my chime account was locked after the transfers which was 2 transfer of XXXX each which totalled XXXX the account was locked with XXXX in it. The money came from a settlement from a work XXXX  which was transferred so I could save some which the judge told me to for additional XXXX  treatment and I also added some for travel. Called to fix the issue which I've been giving the run around and asked to send in all these documents to who knows who vital information I did this for 5 days straight the same information was sent to an email address they provided. No communication from chime the coustmer service representative read from a script you can't talk to any up line they give you the same number which everyone reads the same script and can't tell you anything about the investigation nothing. You are unable to see anything in your account because they disable your account online. This company need to be restructured and policies re written.
Product: Checking or savings account

Every time a deposit would go into my account navy Federal credit union would take it stating it was for fees owed to the bank this went on the whole time I had the account open even canceled our cards thinking it was the card some one got the bank stated that our cards was hacked we opened the account on XXXX XX/XX/year> sent to a collection agency for the amount of {$890.00}