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

Someone opened this Self Lender account fraudulently in my name in an attempt to steal my identity and use my credit. I never opened this account and I have no knowledge of who did. This account is a result of stolen identity and needs to be closed and removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my account every month using the companies website and i always get notified that the billing has gone thru, however, a couple times i was notified 30 days later that the billing didn't go thru and that a 30 day late pay was added to my credit report. I have tried to correct the issue with the company and the credit bureaus but have had no success. It is damaging my credit score and i'm not able to get the best interest rates by no fault of my own.
Product: Credit card

I told them to close my account on XX/XX/2024 I own them XXXX dollars they closed ny account but said I own them XXXX dollars I need it remove from my credit report
Product: Debt collection

Consumer Financial Protection Bureau Subject : Dispute of Collection Account Due to Harassment and Identity Theft To Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report, which is held by Midland Credit Management. I believe this account is a result of identity theft, and furthermore, I am experiencing harassment from the collection agency. 

Below are the details of the collection account : - **Creditor : ** Midland Credit Management XXXX **Balance : ** {$550.00} - **Date Reported : ** XX/XX/year> - **Status : ** Needs Attention - **Remarks : ** Account information disputed by consumer I am a victim of identity theft, and I have already taken steps to report the fraudulent activity to the relevant authorities. Additionally, I have informed Midland Credit Management of the identity theft and have requested verification of the debt, but the harassment persists. 

The constant attempts to collect on this debt are causing me significant distress and XXXX. I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Midland Credit Management for their harassment tactics. 

Furthermore, I request that the collection account be thoroughly investigated and removed from my credit report, as it is a result of identity theft and is causing further harm to my financial well-being. 

I have enclosed copies of the relevant documents supporting my claim, including evidence of the identity theft and documentation of the harassment from Midland Credit Management. 

I appreciate your attention to this matter and request a prompt resolution. Please inform me of any steps I need to take to assist in the investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card

I have had issues with my account balances with Bank Of America related to issues of reported Identity theft. This has caused my balances to be improperly doubled and as a result the accounts I possess are locked out. 
Attempts to contact Bank of America in writing to resolve this issue are fruitless and I would like this office to assist me in getting my accounts unlocked =and corrected so I can restart my business life over again
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  aNd XXXX are again reporting that Toyota motor credit Corp. has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. XXXX XXXX and XXXX  are either culpable negligent in carrying this listing or are being intentionally vindictive. As for Toyota credit Corp, s actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently Toyota recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. Toyota had known that the difference in the lease tit claimed 1 had been, in fact, paid XXXX by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. Toyota isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, Toyota gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof toyota, with the the virtual assistance of XXXX and XXXX ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.
Product: Debt collection

My friend, is deceased now. During XXXX, he was in several hospitals. He was severely XXXX  and ended up dying of a XXXX XXXX and XXXX XXXX. 

During his illness, I was the emergency contact for the doctors and nurses and I monitored his health care as best as I could. Somehow... .some person put my name down as the Guarantor! Never in a million years would I agree to pay for someone's hospital or medical bills!! It's truly a mistake made by XXXX Billing department. XXXX and I were married from XXXX to XXXX. We remained friends ever since that time. 

On Tuesday, XX/XX/XXXX, I was contacted by a debt collector who wanted payment for a date of service of XX/XX/XXXX for my ex-husband. They said my name was down as Guarantor and I explained to her that that is simply not true. She then told me to contact the hospital. 
I then called the billing department and spoke to a woman who confirmed that I was listed as the guarantor but said there was nothing she could do about it and that I needed to send an email to XXXX. Five days later I received a standard form letter along with a paragraph that asks me to send them a divorce decree. I am not spending money to send away for a divorce decree. NONE OF THIS IS MY FAULT AND I AM NOT THE GUARANTOR.. This is someone's mistake. Some lazy person who didn't bother to research the account. They just plucked my name from the emergency contact list and began to harass me.
Product: Checking or savings account

Had Solar Panels put on my house a year ago and the company went out of business leave me to pay over {$60000.00} for a system that is still not up & running can I please get some help to fix their wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD AN OUTSTANDING BALANCE OF XXXX ON A XXXX XXXX CREDIT CARD.

I HAVE PAID OFF ANY REMAINING BALANCE, IN ONE FELL SWOOP. THUS, SHOULD MY SCORE NOT GO UP BY, AT LEAST, 34 POINTS? ( CREDIT SCORE IS BY DIVISIBLES OF 5. $ XXXX= 1 POINT. ) PLUS, AN ADDITIONAL AMOUNT.

I ALSO HAVE AN XXXX  OPEN BUT THIS SHOWS NOWHERE ON MY CREDIT REPORT.

I HAVE NEVER EVER BEEN LATE WITH A PAYMENT FOR ANY CHARGE CARD. EVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. 3 Credit Bureaus are reporting me late. There was definitely an error on their part. I was never 150 days late in XX/XX/2017.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX  , 2017, I went  to  the Western Union l ocated on  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  to send a money transfer in the amount of  XXXX    XXXX   or {$7600.00} to my bank account in  XXXX ,  XXXX . It has been three months and I still have not received any information. I have called every day since sending the money and I have been told that the matter would be escalated to the direct to bank department and that I would receive a call back and no one has ever called. Today I called several different numbers and they informed me that it was deposited into the wrong account and could not be retrieved. Basically, they are refusing to refund me the money or attempt to collect the money to the account that it was deposited to.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
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. 

XXXX  XXXX : # XXXX XXXX, XXXX XXXX : # XXXX XXXX, XXXX : XXXX XXXX, XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX has violated my rights.

15 U.S.C 1681 sction 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

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC1681 Section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This company is attempting to collect funds from me over a debt that is not mine. I have never signed a contract with this company and have never heard of them. They are reporting to the credit bureaus a collection in the amount of {$3600.00} that was opened XX/XX/2017. This is NOT my debt and this collection is causing a huge impact on my credit score/file.
Product: Credit card or prepaid card

On XX/XX/2022 I got paid my monthly check of XXXX I went to town to buy what I could afford for the month and pay bills I ended up losing my wallet I went home went to bed by morning still no signs of finding my wallet so I called the ace elit card automated system to check bal and cancel my card well there had been XXXX $ dollars spent from my card and but was still pending I called emedietly to figure out the what was going on the there had been money spent on there I did not do of a western union of sorts to a foreign country they told me at net spent I had to call back the next day of XX/XX/2022 because that it was still pending in so thats what I did they filed the dispute but told me I had 10 days to mail them a typed or written letter to dispute the unautherized transaction on my Card well I did exactly what they asked of me and they told me that I did not send them the typed letter they asked for with in 10 days witch I mostsertantly did on XX/XX//2022 is the date they told me to write the letter in 10 days so they can temporarily pay my funds back to me until the most wait of 90 for them to investigate my case and I'm now sitting in the hole XXXX dollars and they claim by mail Ed letter saying I did not compli with in the 10 day mark and I have a email poof that I did XXXXomplie just yesterday I got the letter in the mail XX/XX/ 2022 I emailed them back sending pics of my inbox sent out box and what I got in the mail they replied stating that that dispute was not from card holder well I'm pretty sure I am the card holder and I'm positive that was my email they got that from but it wasn't the card holder that sent it?????
Product: Payday loan, title loan, or personal loan

On XX/XX/2018- I was loaned {$800.00} via online by Amplify Funding. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 778.88 % - a significantly higher interest rate
Product: Debt collection

this company cannit show any proper debt validation for me to be correct in paying anything based on policy of the fcra
Product: Debt collection

Identity was stolen and used to turn on electricity in my name through XXXX. I faxed necessary documents to XXXX also explained the situation. XXXX has put bill in collections and is still reporting to credit bureaus that I owe {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had signed up for Experian in XXXX and was being charged {$5.00} a month. I checked by account recently and over the last two months, I had been automatically upgrade to an Experian IdentityWorks Plus account without being notified before. My bank account was subsequently charged roughly {$20.00} per month. 

I have never signed up for Experian IdentityWorks Plus and never knew about it. On my " My Membership '' page on the Experian website, it still shows my price as $ XXXX/month. When I spoke to call center representative, they said that my Experian page was probably not updated ( meaning that there is a discrepancy between what I'm being told and what I've paid over the last two months ). Furthermore, I have been a member since XXXX, paying {$5.00} per month, but she said I had a promotional offer that ended in XX/XX/XXXX. However, on my account, it says I had a promotional offer for {$5.00} off for 3 months only. So, there is also another discrepancy there. 

In short, they have automatically signed me up for a more expensive service without notifying me. They only refunded my one month of the Experian IdentityWorks Plus though they charged me for two and said they could not refund the other month.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy 15 U.S.C 1681 section 604 A Secion 2 : It also states a consumer reporting agency can not furnish a account without my writte instructions.

15 U.S.C 166b A Creditor May not treat a payment on credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account on my report stayed longer than 7 years and still getting reported. Disputed some things but keep getting denied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to dispute the inaccurate information regarding my account with Ally Financial, which is reported as open since XX/XX/XXXX, and closed on XX/XX/XXXX. The account details indicate that my last payment was made on XX/XX/XXXX, and I have zero instances of being late, which is incorrect. 

Furthermore, it is reported as charged off, but I have not received a 1099, and I believe this reporting is misleading and inaccurate. I kindly request that you investigate this matter and correct any inaccuracies in my report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have been struggling to survive like many Americans. With inflation, the cost of living, food, medical expenses - I have very little to nothing on a quite frequent basis. My personal checking at Wells Fargo was just closed d/t approximately- {$210.00} balance. Meanwhile, they send me a notice that they have collected upwards of {$1500.00} in overdraft fees from me this year alone. To know they have taken away more than what I make in a weeks ' time is beyond hard to overcome. They have constantly left me to suffer, my car nearly getting repossessed, me nearly becoming homeless all on account of their fees. I have called them crying and begging for some of the money back, even enough to just break-even but they constantly decline. I am absolutely outranged that my account has been closed over money to me that should be there. They imposed these fees sometimes XXXX per day of {$35.00} - for someone with my salary and needs there is no way to overcome that setback. To know that they closed my account for so little money, after taking so much of my hard-earned money was extremely disheartening. I even explained how I live XXXX states away from the closest branch/ATM to deposit cash into and still not a single person cared. I can not physically drive to XXXX XXXX from XXXX just to deposit money I hardly have, into an account that does not respect me and continues to drive fees at me. I nearly lost it all in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize nor initiate any inquries made by GUESS WHO? XXXX  XXXX XXXX Inquiries : XXXX  XXXX XXXX XXXX I did not Initiate or authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

IF YOU COME TO THE CONCLUSION THAT I SUBMITTED AN APPLICATION VIA ONLINE please provide THE IP ADDRESS AND THE WEBSITE I USED TO SUBMIT THE APPLICATION. 

In the absence of any such documentation bearing my signature, IP ADDRESS AND WEBSITE USED TO SUBMIT APPLICATION I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number ANDSEND ME A COMPLETE UPDATED CREDIT REPORT AFTER DELETIING THE INACCURATE UNAUTHORIZED INFORMATION Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX
Product: Credit reporting or other personal consumer reports

I have a XXXX  Reporting on my Credit Report that is reporting inaccuracies, The XXXX  that was filed is incorrect and the Dates is incorrect, And the status of it is incorrect. I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The XXXX  is Ref # XXXX
Product: Credit reporting or other personal consumer reports

I recently sent you a request to reinvestigate the information previously disputed. Please review my prior correspondence, I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Federal Trade Commission, and my state attorney general. Remove this incorrect information. The consumer reporting agencies need to report all information with complete accuracy, this account was not late. I requested proof of the previous investigation, I requested records, of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late, I asked if they can not provide me with information within 15/days paid never late and requested updated copy of my credit report. As of today, no documentation has been provided. Account number XXXX Please updated my name correctly to XXXX XXXX XXXX XXXX XXXX XXXX is incorrect. 

PLEASE UPDATE CORRECT AS CURRENT XXXX  XXXX XX/XX/XXXX STATE I WAS 30 DAYS LATE BUT CURRENT FOR XXXX AND XXXX XX/XX/XXXX AND XX/XX/XXXX STATE 30 DAYS WHICH IS INCORRECT PLEASE UPDATE CORRECTLY XX/XX/XXXX stated 30 days and XXXX XXXX XXXX XXXX XXXX XXXX days which is incorrect- can't be 30 days late each month please update ad current. XXXX XXXX stated 30 days late, while XXXX and XXXX are current-Which is incorrect please update correctly as current. XXXX XXXX stated 30 days and XXXX are each 30 days late and XXXX and XXXX are current - Please update correctly XXXX XXXX stated 30 days late - while XXXX and XXXX are current -please update correctly XXXX XXXX stated 30 days late and XX/XX/XXXX, and XXXX Need updated as current as stated 30 days which is incorrect. XXXX and XX/XX/XXXX stated 60 days late which is incorrect, I show paid on time.