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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 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 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
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and dissatisfaction with the multiple attempts made to remove fraudulent items from my credit file. Despite repeated efforts, the fraudulent information persists, and I am left with unresolved issues that are negatively impacting my creditworthiness. 

I discovered unauthorized and fraudulent entries on my credit report. These items are damaging my credit score and have the potential to affect my financial well-being. I promptly reported the fraudulent activities to your company and have made several attempts to rectify the situation. Unfortunately, the issue remains unresolved, and the fraudulent items persist on my credit file.

Despite these multiple efforts, the fraudulent items continue to tarnish my credit history. This situation has caused me significant stress and anxiety, and I believe it is imperative for your company to take immediate and effective action to rectify this matter. 

I request a thorough investigation into the fraudulent entries on my credit file and a prompt removal of the inaccurate information. Additionally, I would appreciate regular updates on the progress made towards resolving this issue. 

If this matter is not rectified satisfactorily within the exact timeframe from the date of this letter, I may have no choice but to seek legal counsel and escalate this complaint to the appropriate regulatory authorities. 

I trust that your company takes matters of credit reporting accuracy seriously and is committed to ensuring the integrity of individuals ' credit files. I expect a swift and satisfactory resolution to this matter and appreciate your prompt attention to the concerns raised in this complaint. I am asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had originally purchased a set of bar chairs for my kitchen from XXXX ( Creditor : XXXX XXXX ). At the time of purchase I was told that they only had one in stock but that they could sell me the showroom model as well. Once both were delievered I realized the chairs were different and did not match. Naturally, I called and had one of them returned with the expectation of ordering another of the same type. This is where the problem started. It was after the return of the chair that XXXX failed to credit my account for the chair I had sent back. After many attempts to get the credit they refused. As a result I did not pay them for the chair as I had no intention of paying for something I did not have in my possession. After futher disputes they agreed to credit the account, however, they subsequently sent off the interest earned to a collection agency PORTOFILIO RECOVERY ASSOCIATES without my knowledge. It was my impression that if the account was credited that in of itself meant the creditor acknowledged the debt was not mine and as a result any interest acrued was not mine either. I was wrong, I started to receive debt collection phone calls from PORTFOLIO RECOVERY ASSOCIATES and in order to rid myself of the debt ( under {$1000.00} ) and reduce its effect on my credit I opted to pay it off completely. Nevertheless, I am not satisfied and would like this rectified.
Product: Mortgage

I can not get Mr. Cooper the service agent for my loan to make any sense as to why they insist on forced placed insurance when I have sent over and they acknowledge receiving proof of insurance. I keep getting the run around.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has me added to her XXXX XXXX  credit card and I want to be removed off it as an authorized user.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXXXXXX XXXX XXXXXXXX : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit reports issued by XXXX, XXXX, and XXXX. Upon reviewing my reports, I noticed a significant error related to my APPLE CARD/GS BANK USA account ( Account Number ending in XXXX ). 
Specific Inaccuracy : The report indicates that the account was charged off with a past due amount of {$12000.00} as of XX/XX/XXXX and a balance of {$12000.00} updated as of XX/XX/XXXX. However, there is a clear inconsistency in the payment history section : 1. The payment history shows multiple charge-offs ( CO ) reported consecutively for several months in XXXX and XXXX. According to the Fair Credit Reporting Act ( FCRA ), a charge-off can only be reported once and should not appear as a recurring event. Reporting a charge-off for multiple months is factually incorrect. 
2. Additionally, the payment history reflects late payments ( 60, 90, 120, 150 days past due ) leading up to the charge-off, but continues to report charge-offs ( CO ) for multiple months after the initial charge-off date. If the account was charged off, it should not report additional charge-offs in subsequent months. 
3. The status was last updated in XX/XX/XXXX, yet the charge-off entries continue into XXXX and XXXX, suggesting potential backdating or duplicate reporting. This discrepancy violates the accurate reporting standards under the FCRA. 
Requested Actions : 1. Reinvestigate this account information with APPLE CARD/GS BANK USA to verify its accuracy. 
2. Correct the status of the account by removing the repeated charge-off entries and the inaccurate late payments if they are indeed errors, or provide supporting documentation validating the reported information.

3. Update my credit reports accordingly and send me corrected copies. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the inaccurate information for your reference and request that XXXX and XXXX also verify the accuracy of this account. 
I would appreciate your prompt attention to this matter and a response within 30 days of receiving this letter. Should you need any further information to complete the investigation, please contact me directly at the phone number or email listed above. 
Thank you for addressing this issue promptly. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

Financed a car on XX/XX/2020 the loan is for XXXX the interest rate is 22.99 % this loan is financed through a corporation called XXXX XXXX. As per Florida Law unless the loan is through a bank or N.A. The interest rate is capped at 18 % clearly 22.99 is over that cap, and almost to the predatory rate that is deemed a misdemeanor by the state of Florida. During my car buying experience I was asked for a down payment of XXXX when I went to sign for the car and additional XXXX $ was then asked for on the down payment.
Product: Debt collection

I call equifax to explain XXXX XXXX XXXX fraudulent account. Amount {$140.00}. I ask them proof of this debt ... I file with FTC
Product: Student loan

I have told every Navient purpose I talk to to not call me. Despite this, they continue to harass me by ignoring my requests and calling me multiple times a day and hanging up. For instance : XXXX XXXX XXXX  - 4 calls XXXX XXXX XXXX  - 4 calls XX/XX/ - 4 calls XX/XX/ - 4 calls XX/XX/ - 5 calls XXXX, XXXX XXXX  - 5 calls XXXX, XXXX XXXX  - 3 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 3 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 5 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 4 calls XXXX, XXXX XXXX  - 5 calls XXXX, XXXX XXXX  - 5 calls
Product: Credit card or prepaid card

A Citibank representative threatened to report my credit card account as delinquent because of a recent fraudulent charge that is still under investigation. 

Citibank is currently investigating a fraudulent charge on my credit card account. The card was cancelled and re-issued at the time the fraud was reported. I have the new cards, as it's been several weeks. 

The Citibank website and telephone system both report a balance ( consisting of the fraudulent charge and its associated foreign transaction fee ) and also that no payment is due. There are no other current transactions on this account besides the fraudulent one. My usual payment due date is still several days away. 

Citibank has not credited the fraudulent amount to my account, nor sent the promised letter so I can provide information for the investigation. On XX/XX/2019, I called customer service, was transferred to the Citibank Security Investigation department, and spoke to representative XXXX. 

This representative asked some questions about the fraudulent transaction, and then pressured me to make a payment on the account while the investigation was pending ( up to two billing cycles. ) I said several times that I would not make any payment because the only transaction is the fraudulent one. 

She said that if I chose not to make at least the minimum payment before my payment due date, Citibank would report my account to the credit bureaus as delinquent and ruin my credit history.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : AD ADSTRA RECOVERY Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase for furniture from bed bath and beyond on XX/XX/2022. I received the merchandise on XX/XX/XXXX. I returned the two tables and chair without even opening the box as I found a set cheaper elsewhere and dropped it off at XXXX on Tuesday XX/XX/XXXX. Tracking number XXXX which they provided me themselves. I did as they asked and the tracking never updated. Ive enquirer many times directly to the company to look into it as XXXX told me that they have to open an inquiry on the package. Nothing has been done. Ive been told by reps that I would receive a refund. Then told I wont as the item hasnt been delivered. To then being told Id hear from the warehouse team which I never did. Ive contacted them countless times and they do not help at all. Terrible customer support. I did everything on my part to return the item and now I am out of money because of it. And so I did poured with capital one and now they reversed the charge so Im XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX we entered the XXXX XXXX program. I was given a letter on XX/XX/XXXX advising that I successfully came out of the XXXX program and that ALL past-due amounts would be approved for a payment deferral where ALL those payments get put at the end of the mortgage. The letter explicitly states that XX/XX/XXXX will be the start of the monthly payments coming out of the XXXX XXXX. 

However, US Bank incorrectly reported the XX/XX/XXXX and XX/XX/XXXX as LATE to the credit bureaus even though US Bank never attempted to assess a late payment which is further evidence that they incorrectly reported this to the credit bureaus. 

I would like this to be immediately remedied by US Bank and an apology letter sent so that I have proof that this has been immediately resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I applied for a personal loan with XXXX. My application could not be approved due to " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. I have made several attempts to contact the creditor ( XXXX ) to ascertain why they were not able to verify my credit to no avail. I have called all 3 CRAs including Clarity. XXXX and XXXX were frozen several years after learning that I was a victim of Identity Theft. These agencies were reporting incorrect and, fraudulent activity on my credit file that was adversely impacting my ability to obtain new credit. I haven't heard of Clarity until now. As a result, I attempted to place a freeze and Extended Fraud Alert on my credit report with Clarity but was unsuccessful ; the system would not allow me to submit the request stating it was unable to process my request. I even called and spoke to the consumer support department to try to get this resolved over the phone but was advised that I needed to mail in a copy of my identification, SS card, utility bill, etc for verification purposes. The question is, " how can you ( Clarity ) as a reporting agency report inaccurate/fraudulent information on one 's credit report without first verifying that you are reporting to the correct person? It should not be the responsibility of the consumer to provide proof of identity ; hence, the burden should rest upon the data furnishers to provide accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting false information to the credit bureaus as been verified but the information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681n - Civil liability for willful noncompliance LII Uniform Commercial Code 9-406. DISCHARGE OF ACCOUNT DEBTOR ; NOTIFICATION OF ASSIGNMENT ; IDENTIFICATION AND PROOF OF ASSIGNMENT ; RESTRICTIONS ON ASSIGNMENT OF ACCOUNTS, XXXX XXXX, PAYMENT INTANGIBLES, AND PROMISSORY NOTES INEFFECTIVE.
Product: Debt collection

I sent out debt validation letter and letter to verify account the collection agency refused
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding a collections account that has appeared on my credit report that I am not aware of. The account in question is listed under my name and is being reported by XXXX XXXX and XXXX XXXX. 

This collections account is negatively impacting my credit score and has caused me undue stress and anxiety. I believe that this account has been reported in error and that it should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal information on my credit report is inaccurate, addresses need to be removed -15 U.S. Code 1681 section 602 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

-15 U.S. Code 1681 section 611 ( a ) ( 1 ) Reinvestigation Required -15 U.S. Code 1681 section 616. Civil liability for willful noncompliance -15 U.S. Code 1681 section 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$2500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

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

Even though I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, there still remain items that urgently need removal. Again, as a victim of fraud, I hereby request again, the deletion of remaining items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXXXXXX XXXX XXXX This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report XXXX XXXX Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity XXXX EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate the claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate tat Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

There is multiple different transactions that were not authorized by me. My card was stolen and I did notify Bank of America as soon as I saw that these transactions. Were Done.